davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Chase refuses to deposit money to escrow to cover projected shortages which would allow the borrow 's payment to remain the same. Instead, Chase demands the payments go up with taxes and insurance stating RESPA requires 1/12 of taxes and insurance be collected each month even if the rule, if it exists, is satisfied by sufficient escrow funding. Chase refuses to provide the law or even cite the law. Chase refuses to accommodate the needs of borrowers who try to keep their payments the same in case of hard times such as now! Borrower is not asking to lower the payment but to keep it the same by depositing to escrow more than sufficient funds to cover the projected tax and insurance increases. Chase can not justify their action if the 1/12 rule is satisfied by an adequate escrow balance, refuses to accept escrow deposits, and demands payments be increased. Also, Chase applied escrow funds to principle without authority and refuses to apply those funds as directed and refuses to return the escrow funds applied to principle. Chase 's actions are unfair and abusive.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. 

I would like to bring to your attention the following inaccuracies : Incorrect Address : The current address listed on my credit report is XXXX XXXX XXXX, XXXX, MI, XXXX. However, my correct address is XXXX XXXX XXXX, XXXX, MI, XXXX. I request that you update my address information accordingly. 

1. Ailias Name : My Alias is misspelled as XXXX, XXXX, XXXX on my credit report. The correct spelling of my name is XXXX XXXX. Please remove the alias name to accurately reflect my personal information. 

I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible. 

Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address. 
A recent utility bill displaying my correct address.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$150.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$800.00XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$660.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA (IN)

I received a letter from from First Bankcard C/O First National Bank of Omaha stating that they had decreased the credit limit on my account DURING the National COVID-19 Pandemic. The change was made prior to any communication or notice period to me. The change has negatively impacted my credit score which in turn could potentially create undue financial hardship. As a consumer, I am appalled that while other financial organizations are trying to help consumers - First Bankcard is harming its consumers. 

The letter stated that they pulled my credit report. They did not have permission to do so. The account has been paid as agreed since it was opened. Never one late payment. The account has been paid off 2-3 times during the same timeframe. All payments have been above the minimum payment. 

I believe they limited my credit line because I was not utilizing the credit. Now - because they decreased the credit line to the exact, current balance - it shows as if I am maxed out on the account when it fact, they manufactured this result.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

Date claim was originally filed : XX/XX/2020 Claim # XXXX On XX/XX/2020 I, XXXX XXXX, purchased two tickets for flight numbers : XXXX XXXX, departing XXXX XXXX on XXXX XX/XX/2020 at XXXX and connecting at XXXX or XXXX XXXX XXXX XXXX XXXX XXXX flight XXXX  XXXX on XX/XX/2020 destination, XXXX XXXX . 
I planned to return on XX/XX/2020 on spirit flight number : XXXX  XXXX ( XXXX or XXXX XXXX XXXX XXXX ) at XXXX and departing from XXXX at XXXX on Flight number XXXX XXXX arriving in XXXX XXXX XXXX XX/XX/2020 at XXXX. 
I/Account holder, XXXX declare that I was denied the benefit agreed upon by said merchant which was intended by Account holder to be in exchange for Account holders authorized payment. 
I/Account holder authorized the payment of {$450.00} contingent upon me being allowed to board the purchased spirit flights Numbers on the date and time agreed upon:1 ) XXXX  XXXX and XXXX ) XXXX  XXXX I have knowledge and believe that the Chase bank claims Investigator who biasedly determined my claim did so without proper evidence or true facts. I believe that Chase Bank is working in concert to deprive Account holder of reserved rights and money or wellbeing. 
The merchant has willfully mislead Chase Bank Investigator 's by erroneously stating that I/Account holder actually boarded said flights. 
I declare protest to the herein referenced bias unsupported theory which has been presumed as facts or truth by Chase Bank Investigator 's.

I/Account holder has/have Disputed the foregoing transaction and Chase Bank Investigator 's not only refuse to do a proper Investigation into this matter. Chase bank denied my claim based upon hearsay and or opinion and not actual material facts as required. Then after I/Account holder filed appeal, Chase Bank denied it erroneously stating that " the debt was already charged off ''. This can't be true because The funds were actually taken from Account holders Account. No charge off. 
Chase bank has a duty to act under the directive of the account holder and willfully refused to act in the interest of the account holder in this matter.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Terminate issuing incorrect information to my Credit Report and delete these accounts.
Consumer complaint received 2021-10-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I have CD accounts with them since XXXX. My account was password protect. Only bank and I knew. On XX/XX/XXXX someone withdrew {$2000.00} cash and a check for {$40000.00} from my account. I trusted the banking system and never checkout what was going on. When the CD 's matured I let it rollover. When I finally check, I notice CD 's were missing. I been to the Bank 5 times. to clear this matter. Bank manger E-mail the following : XXXX XXXX, Per our several previous conversations, we do not retain information in the branch. I relied on research department to get all the information you requested that given you answers to several of your questionable missing funds that truly is not missing. Our back office also will not have copies from more then 7 years ago, it is member/customer responsibility to maintain information as long as they wish to maintain. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX O : XXXX Ext. XXXX | C : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX PenFed.org I have proof that statement is not true. I believe it was inside job, reason password protected account. Pen fed is not returning my cancel check. I requested several times, after she said they had. Police and FTC was notify.
Consumer complaint received 2020-04-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

On or around XX/XX/XXXX I called into Quicken loans ( XXXX ) to inquire about potentially refinancing my VA mortgage. At the time, the agent who assisted was asking for details around my finances, home value and taxes. The agent also inquired about my credit situation at the time. As she was collecting my information she expressed that she needed more information, so I provided it. The information involved personal demographics and my social security number. At no time did the agent apprise me of a credit bureau inquiry and I did not think she would pull a hard inquiry. But she did. And since then it has had an undesired effect on my credit worthiness. 

Any time I have refinanced my VA mortgage, I have not had to endure a hard inquiry but have always needed to provide my social security number. 

On XX/XX/XXXX, I called Quicken Loans ( XXXX ) to request having the inquiry removed. I was followed up with on XX/XX/XXXX by XXXX XXXX, and advised that providing my social security and other information was implied consent, and the company had every right to do the inquiry - at that time. He also informed me that ( at that time ) this was an acceptable practice at the company but their policy has since changed as of XXXX of XXXX. As of then, he informed me, they must have express consent prior to pulling credit. I asked XXXX to pull the call to validate the non-authorized inquiry. However, he explained to me that there are only six months of call recordings available before they are deleted. 

I would like to have this complaint on record and request that this be further investigated since Mr. XXXX admitted to me that this has been a historical issue within his employer and its business practices and on the basis that these records are disposed of before a reasonable time frame. 

Thank you,
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RSI Enterprises, Inc. (TX)

I am choosing to settle this debt with original creditor XXXX XXXX XXXX, I know that its their obligation to assist me with this matter since they are a nonprofit organization they must help please cease and desist all collections activities and stop reporting this mess.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

XX/XX/XXXX : Paypal limits my account with a balance of {$8200.00} USD - no funds can move in or out of the account. They ask me for various documents to confirm the identity of my person and business, as well as information on some transactions which I immediately provide in full. XX/XX/XXXX : Paypal denies my documents and explanations describing the products/services and states it can not be accepted. My account remains locked and I still don't have access to my funds. I am sent the following form reply : " At this time, the limitation on your PayPal account can not be removed until the below issues are resolved.

To help us resolve this, you will need to : - Describe the products and/or services associated with your PayPal transactions. 
Please refer to : - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX In response to this, I send in the requested info again, with descriptions and links to the highest level of detail possible. I also call Paypal 's phone line asking why my responses are being denied and what I can be doing to rectify the situation. They tell me they don't have a way to contact the compliance department responsible for making the decision, and tell me the best they can do is to make an educated guess about what they might want. Upon asking for a way to reach the compliance people myself, they tell me that they do not accept customer phone calls and will only accept communication and documents uploaded directly to PayPal. 

XX/XX/XXXX : Through email, Paypal informs once again they can not accept my responses and the limitation on my account can not be removed. My account remains locked and I still don't have access to my funds. I have repeatedly offered different explanations, documents, and screenshots 4 times, yet Paypal only sends automatic robot responses saying the limitations on my account are here to stay and that my responses were not good enough with no further explanation. They are holding my funds hostage.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (OH)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.