davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I had my debit card, credit card, and cell phone stolen on XX/XX/21 in XXXX, TN. In the early morning hours, the thief attempted to use my credit card at a XXXX, but the transaction was declined because it was recognized as fraud. However, the thief was able to find my PIN number in my phone, and pulled out {$1000.00} from an ATM over 4 transactions, and then spent {$2100.00} at a XXXX over another four transactions. I reported the fraudulent transactions on XX/XX/21 as soon as I noticed the fraudulent charges. Chase has denied my fraud claim because they said that I made my PIN available to the public, even though it was obtained through theft. I spoke with several different customer representatives, and they informed me that they could not do anything about it. However, I believe that I should only be held responsible for {$50.00} since I reported the fraudulent transactions within 2 business days.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (AL)

On XXXX XXXX, I XXXX XXXX cancelled my contract with Loan Depot for a cash out refinance loan on my home that was already financed with XXXX XXXX. According to my contract, I had the rights to do so before XXXX on XX/XX/2021 based on California time zone and I did just that. I emailed my cancellation notice to XXXX XXXX XXXX XXXX. I also told Mrs. XXXX XXXX the very next day that I had cancelled and she asked me to send her a copy of my right to cancel to her email and I sent it to her. According to the contract, they supposed to have unfounded the loan which I am aware of and if I wanted to proceed with the loan I would have to start the process all over- understood. Two days after cancellation I arrived home from work and there was an XXXX package at my house with a check to send to XXXX XXXX to pay off my car in the amount of {$11000.00} but I didnt send the check off because I knew that I had cancelled my contract. Five days later I received a wire transfer to my bank account for {$19000.00}. I was ready to return the funds back but Mrs. XXXX XXXX told me to keep the funds but write a letter stating that I basically wanted to keep the loan. I had already explained to Mrs. XXXX and Mrs. XXXX my current condition and that I was thinking of doing something else with my Mortgage instead of proceeding further with the contract but in the meantime I was so unaware that they had even sent any money to XXXX XXXX to pay off my home mortgage until I received a notification and a letter from XXXX XXXX. I was told that they were going to unfund the loan and we would have to start all over but I told Mrs. XXXX that I am not going to resign or continue with the loan because I had other plans with my mortgage due to my own personal issues. I later received a text message from Mrs. XXXX basically telling me to keep the funds and told just write a letter stating that I wanted the loan because XXXX XXXX will not return their money. I dont blame XXXX XXXX because Loan Depot is aware that I cancelled my contract but I should not be held liable under no circumstances whatsoever to proceed with the contract or make any payments to a company that I cancelled to do business with. Some one at Loan Depot is to blame for this issue and all of my countless nights of not getting any sleep and adding to my XXXX  and XXXX  problems. I feel that they are trying to bully, manipulate, and scam me into signing a contract because of their screw up by not following their own Companys contract rules and procedures at Loan Depot and I am refusing to continue business with this company altogether but I am wondering how many other people have they done this too before. This is illegal and unlawful under the federal law and they should be held reliable for their actions. I can be reached at XXXX-XXXX-XXXX. Thank you so much for your assistance, time, and praying that you can help me with this situation.
Consumer complaint received 2021-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

No one is handling my dispute request ... I need for Experian to respond to my requests today. I want these negative items deleted now. 

XXXX XXXX UNVERIFIED ACCOUNT XX/XX/XXXX- XXXX UNVERIFIED ACCOUNT XX/XX/XXXXXXXX NOT MY ACCOUNT XX/XX/XXXXXXXX UNVERIFIED ACCOUNT XX/XX/XXXXXXXX MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

There are two items reporting on my credit that I need to be removed. In the month of XXXX, Account XXXX XXXX XXXX agreed to remove the XXXX XXXX and XXXX XXXX XXXX from all three credit bureaus. They have been removed from XXXX, but they have yet to be removed from Equifax and XXXX  and I need these items to be removed from all three credit bureaus in compliance with the Federal Trade Commission.
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (CA)

Chrysler Capital along with its parent company Santander, utilizes unethical if not illegal practices in the way they misrepresent the handling of unpaid fees and charges. For example whenever I called to inquire about my bill, the representative would always quote the total amount due including unpaid fees and charges. It took a long time for me to figure out that paying the quoted amount did not eliminate the unpaid fees and charges. Once I realized what they were doing, I finally called to complain that the representatives are misleading the customers by making statements as follows : the total amount due including unpaid fees and charges is $ XXXX. They explained that I would need to make a separate payment specifying that it be applied to the unpaid fees and charges. But, the representatives dont explain that technicality when misrepresenting the total amount due. 
For example, I have attached the XX/XX/XXXX & XX/XX/XXXX statements. ( I couldnt find XX/XX/XXXX statement. ) In XX/XX/XXXX, I made the full payment including unpaid fees and charges. I noticed the unpaid fees and charges carried over into the next month. I called and protested the way the payment was applied. The representative tried to convince me to not payoff the unpaid fees and charges. After speaking to a supervisor, they finally broke the payment up to make sure unpaid fees and charges were paid. I wonder how many times this happened during life of the loan. 
My loan was originated XXXX of XXXX for {$16000.00}, with the final payment scheduled for XXXX of XXXX, which is this month. However, the current balance on the loan is {$10000.00}. I received a few extensions but not {$10000.00} worth of extensions. On Tuesday XX/XX/XXXX, I spoke to XXXX ID # XXXX and asked for copies of statements from the inception of the loan to the present. I was advised that they can only provide statements for the most recent 12 months. They are able print a history of payments but not the actual statements. 
I would like for a financial forensic accounting to be done on my loan. If its found that I have been overcharged as a result of this unethical practice, I would like to be compensated for these charges.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

-XXXX  Is reporting an incorrect address that is not mine. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX -XXXX Is reporting incorrect address on my credit report -XXXX  XXXX XXXX , OH XXXX -XXXX  XXXX XXXX  , OH XXXX -XXXX  XXXX XXXX XXXX  , PA XXXX -XXXX  XXXX XXXX , OH XXXX -XXXX  XXXX XXXX XXXX , OH XXXX Transunion  - XXXX XXXX XXXX XXXX XXXX , OH XXXX -XXXX  XXXX XXXX , OH XXXX These addresses are reporting incorrectly and should be removed right away. They are causing issues with my credit report.
Consumer complaint received 2021-07-27
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: Experian Information Solutions Inc. (WI)

I've been battling with XXXX XXXX XXXX  and XXXX XXXX XXXX regarding inaccuracies pertaining to my credit report. They claim they can not remove or correct my report since they sold the account before bankruptcy discharge. However, when speaking to the entity ( XXXX XXXX ) that the account was sold to I was told since they are not the company reporting the account that it is XXXX XXXX XXXX XXXX responsibility to fix the errors or delete the account. 
Furthermore after XXXX XXXX  XXXX made reply to previous complaint they sent me an email stating they would provide me with copy of original contract which contradicts their response to the previous complaint stating they can't fix the credit report because they don't have any information. 
XXXX XXXX XXXX is blatantly violating my consumer rights, making fraudulent statements that contradict each other and violating the FCRA by refusing to delete the account within 45 days of originally disputing their reporting errors.
Consumer complaint received 2021-07-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

My mortgage company Mr. Cooper and the FHA refused to do a loan modification or partial claim due to the fact that my ex-husbands name is on the loan. I haven't seen him since XXXX, no clue where he is. I understand they have rules but I have got to believe that rules are meant to be broken or modified due to certain circumstances. I had proof that I had made all payments since XXXX. In XXXX I was out of work for 8 weeks because I'm a XXXX and business was slow when we returned. I was expected to pay the mortgage company {$8200.00} in a lump sum and pay the remainder over 3 months with my regular payments. I've lived in the house since XXXX, so I have no desire to move but the mortgage is trying to bankrupt me because of something that is out of my control. I was in a forbearance since XXXX of XXXX. If I would've known the fine print of all the rules, I wouldn't have done a forbearance at all. The forbearance did not help me at all. I also expressed my complaints to the FHA but all they said was that the mortgage company was following the rules.
Consumer complaint received 2021-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

I received a phone call on XX/XX/XXXX from a Navient agnet stating there was a payment due on my account. I used my debit card number to make the payment with the agent on XX/XX/XXXX at XXXX CST. I have continued to receive calls the next day seeking payment. The calls were received on XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

I called Navient and spoke with an agent on XX/XX/XXXX at XXXX. I was advised that he could see the payment on the account but that I would still receive calls. He advised there was no way to flag the account to prevent calls. I still continue to receive call after speaking with the agent. The most recent call was received on XX/XX/XXXX at XXXX.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account : XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX/XXXX  Date of Inquiry XX/XX/XXXX XXXX/XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TreeMac Funding Group, LLC (TX)

I received a voice mail message from a restricted phone number from XXXX XXXX, who claimed to be processing paperwork for her client. She threatened to negatively impact my employment by trying to embarrass me at my place of work by delivering her paperwork to my supervisor or a " high level member of security. '' I called the number she left on my voicemail, XXXX. I was given the case number XXXX. 

I called the number and spoke with XXXX XXXX, who said he works for a company called XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX, TX. 

After multiple XXXX searches, i couldn't find anything to verify that this company is even real. 

After telling XXXX XXXX that I would not be giving him any money, i received another call from XXXX XXXX, who was supposed to be bringing me, according to XXXX XXXX, " important paperwork '' regarding the matter. 

XXXX XXXX never showed up, so I called XXXX again and spoke to XXXX XXXX. He disconnected the call after I made it clear that I don't believe this is a real company. 

When I called back, i was immediately transferred to the " Operations Manager '' that could not provide me the name of their client or the name of the company XXXX XXXX works for. 

After I made it clear that I believe I'm being scammed, he disconnected the call. 

Further calls go to voice mail.
Consumer complaint received 2021-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Spring Equity LLC (FL)

The company Im having a issue with is Spring EQ over a Home equity line of credit. I have attempted to contact them over 6 times, I have email transcription of all the attempts made and yet no response via email or by telephone has been made to me to resolve the issue. This is is a simple as they come, you have to be a irresponsible or simply incompetent to not being able to resolve this. Upon the disbursement of funds I received 4 checks to pay off creditors, one of those checks came for the incorrect amount. This was after I sent up to date statements and even gave the information to a rep, still the check came in incorrectly. I need a check resubmitted to me for the right amount and the difference be issued to me since the new check is less than the amount originally owed. The escrow company cutting the check has heard NOTHING, Spring EQ has not responded to any of my inquiries. All I want is a correct check issued for the creditor and the difference provided to me! For a consumer to have to go through this is absolutely incredible, Im reporting this because there shouldnt be this disconnect of communication of any funds - specially when it has to do WITH MY HOME! I expect a response from some on about this issue.
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc. (MD)

on XX/XX/2021 Convergent sent me a letter saying that I owe an alleged debt of {$460.00} and I have no clue who they are, apparently it is from XXXX but again I have no clue of this alleged debt and no one let me know that my information is being passed from company to company without my consent.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XX/XX/2021, I sent my first letter to the credit bureaus. I have sent several letter since then. I have not received a response on behalf of my complaint. XXXX XXXX is inaccurately reporting on my credit file. The past due amount is incorrect, the date of last active is incorrect and the date of last payment is incorrect. This is a violation. I have been very patient and now ready to move forward with this complaint.
Consumer complaint received 2021-07-28
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: GLA Collection Company, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... GLA COLLECT ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received my unemployment benefit wire transfer to my prepaid debit card given by Bank of America. 

An ATM withdrawal was approved on XX/XX/XXXX for {$1000.00} from a Bank of America ATM. 
On XX/XX/XXXX, a withdrawal was approved for {$500.00} qt a XXXX XXXX ATM. Both taken place in XXXX, CA. 

The card is still in my possession to this day, XX/XX/XXXX. I filed a claim regarding the {$1500.00} debit from my account that I did not withdraw myself. 

Bank of America requested I do my own investigation and file a report with the XXXX XXXX Branch where the withdrawal happened. 

Yesterday XX/XX/XXXX, I received a letter that was dated XX/XX/XXXX that the matter was resolved and that they found both withdrawals valid. 

I firmly believe that Bank of America did not conduct a proper investigation. If they had actually looked into the ATM withdrawals and cameras of the ATM you would see that I was not making the withdrawal out of my account. 
Once again, I still have my original debit card that is now closed. Meaning there was a fraudulent card accepted by the ATM who had my pin number and was able to make the withdrawal. 

Due to this, I am seeing financial hardship as Bank of America has not refunded my account and yet the investigation as stated in the letter is closed.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Its extremely frustrating to find unauthorized inquiries on my credit report. I noticed them during my routine check, and its confusing since theres no reason for them to be there. I even refreshed the page thinking it was a glitch, but the issue persisted. Im asking that my documents be properly reviewed so this problem can be fully resolved and I wont have to deal with this again.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

This Account is closed and is reporting incorrectly. 

For that reason, it should be removed immediately. 

I have tried to get this account removed because it is Closed. It isreporting incorrectly across all credit reporting agencies. This violates the credit protection act and calls for removal right away. 

Reporting Balanced Updated XXXX XXXXXXXX, XXXX on XXXX & XXXX XXXX Then reporting Balance update XX/XX/XXXX on Equifax.
Consumer complaint received 2021-07-28
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: General Motors Financial Company, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX GM FINANCIAL XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.