davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (DC)

My complaint is in conjunction with a complaint filed XXXX XXXX, XXXX ( Acct # XXXX. That complaint was against the servicer XXXX XXXX XXXX XXXX ( XXXX ). After providing supportive evidence of my complaint to XXXX ombudsman office, XXXX XXXX and their attorney it has become evident they intend to do nothing about the mistakes in accounting on my loan. Prior to XXXX being the servicer JP Morgan Chase under the brand name of EMC Mortgage Corporation was the servicer and prior to Chase it was EMC. My complaint involves errors in accounting at the time when JP Morgan Chase purchased XXXX XXXX which was owner of my account. More specifically in XX/XX/XXXX. As a result of these errors which include a notice of foreclosure based on information that I was behind in my mortgage payments. After presenting evidence to XXXX from my bank statements and from the payment history supplied by Chase it became evident that gross errors were made. As a result of these errors I signed a repayment contract and later on asked for and received a modification which allowed the money allegedly owed on the foreclosure to be added to my principle. This was all done by EMC/Chase who was acting as servicer. As a result of these circuitous dealings XXXX has been charging interest on an erroneous principle. 
Since SPS is doing nothing to correct this situation I am filing a complaint against JP Morgan Chase where the problem originated. However, XXXX has perpetuated in issue. I am now in foreclosure. I have a seller for the property. I need the amount owed to reflect correct accounting. Aside from the mistakes mentioned above there was also under reporting of mortgage interest.
Consumer complaint received 2015-12-10
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

I am writing in regards to the hacking that occurred at Scottrade XXXX XXXX, Scottrade, XXXX and Scottrade Bank. 

Specifically, I seek clarification on whether my passwords were encrypted or hashed. 

Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. 

If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I am writing to formally express my dissatisfaction regarding my recent experience at XXXX XXXX XXXX during the purchase of a XXXX XXXX XXXX on XX/XX/year>. 

I worked with salesman XXXX XXXX XXXX and specifically communicated to the finance manager, XXXX, that I had pre-approval with XXXX XXXX  and wished to finance the vehicle exclusively through them. XXXX confirmed multiple times that the financing would indeed be arranged with XXXX. He also discussed various products, including gap coverage, stating that waiving it would keep my interest rate at 8.89 %. He further claimed that obtaining gap coverage could potentially reduce the rate due to XXXX being an international bank. 

To my shock, on XX/XX/XXXX, I received a call from Capital One regarding my new vehicle. I learned that the financing had been processed through Capital One, directly contradicting the assurances I received from XXXX. 

I promptly returned to the dealership seeking a resolution, but was only offered free window tintingan inadequate response given the circumstances. Furthermore, I received an email from XXXX XXXX  indicating that my loan is still pending with an approval rate of 6.14 % for {$17000.00}, which further highlights the discrepancies in the information provided by the dealership. 

I believe this situation reflects a serious misrepresentation of the financing terms, potentially aimed at maximizing profit margins at my expense. I request that you address this matter promptly and provide a satisfactory resolution. 

Thank you for your attention to this issue. I look forward to your prompt response.
Consumer complaint received 2015-12-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NC)

I have been fighting with Experian for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX XXXX XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2015-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (TX)

i have a debt with resident collect that is a valid debt but wrong dollar amount. I have called over phone and they verify the correct amount but they are refusing to send report with the correct balance to XXXX and XXXX. Experian already has it updated because they called Resident Collect and received it verbally. A epresentative of Resident collect by the name of XXXX has been very rude and straight to point by indicating pay the updated amount and we will send info over to say debt is clear however when I ask why they will not send correct amount over he also stated that " he will not give me what I want until I send them what He wants ''. He knows that I am seeking employment and the company only verifies through XXXX. I have a letter from resident collect that I am enclosing that has Acct #, Creditor that appears on all my credit reports but the letter has the updated amount while my credit reports still have the wrong amount. This has been ongoing for XXXX months. I file a dispute with credit bureau and Resident Collect keeps closing it by saying the higher amount is correct. As you can see by the letter from collection company it was updated in XXXX. On XXXX XXXX I filed a dispute with XXXX and they ( Resident Collect ) denied it and then i did one again and it was denied.They are saying that they do not report it to credit agency but the agent clearly told me to pay it and he would update my report. I have asked for Supervisor 's and he advised me he was it. I asked for the email of XXXX XXXX who is President of company and they said they would not release it to me. I even spoke with XXXX XXXX who is the director of company and he said that he ca n't help me. He says it is up to the credit bureau to update and he sees that they have updated the information so if they havent updated report its own them. When the Credit Bureau is called they keep saying it was denied and I was even advised by XXXX that the collection agency can call it in over the appropriate phone # that they have and it will be corrected but again agency is throwing the ball in the Credit Bureau 's direction this was also told to me from XXXX s well about the phone #. I am enclosing the letter from Resident Collect as well as the letter on company letterhead from the Creditor stating the dollar amount has been changed. The debt is one I owe but the amount is incorrect.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This morning, I was stunned to see incorrect accounts on my credit report. Im at a complete loss as to how this happened. I check my report regularly, but today, it was completely off with unexpected discrepancies. I refreshed the page thinking it could just be a browser error, but the wrong accounts were still there. Im pleading for the documents I submitted to be thoroughly examined so I never have to face this nightmare again.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Account # XXXX, I just recently viewed my credit report and notice that an item was turned into a charge-off. I never received a 1099 and was wondering could you please send me a 1099 for the alleged item that is reporting as a charge-off on my credit.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2016-01-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (GA)

I accepted Suntrust bank overdraft protection after reading their disclosure statement and what I needed to know about overdrafts and overdraft protection. In their statement it says : " An overdraft occurs when you do not have enough money in your account to cover a transaction, but the bank pays it as a courtesy. Suntrust can cover your overdrafts in two different ways '' : 1. We have standard overdraft practices that come with your account 2. They offer overdraft protection plans. 
It continues : " You will incur a fee of up to {$36.00} each time an overdraft is paid. '' On XXXX/XXXX/2015 my available balance was XXXX and my balance was XXXX. Since XXXX was the last business day until XXXX/XXXX/2015 all transactions made by me with my debit card would show as pending. My total charges from XXXX/XXXX/2015 thru XXXX/XXXX/2015 totaled XXXX against a balance in my account of XXXX. On the morning of XXXX/XXXX/2015 I received an e-mail from Suntrust informing me I had an available balance of XXXX. So all charges showing pending throughout the Holiday week-end would be paid with funds showing in balance of XXXX. Therefore none of those charges should have been charged an overdraft fee. 
Then at XXXX on XXXX/XXXX/2015 I was left without options and if not paid the utilities were due to be cutoff first thing Tuesday morning XXXX/XXXX/2015, so I used my debit card online and paid the utility bill. Well rather than doing what I have been told by several Suntrust employees a pending transaction amount is deducted from available funds so to pay transaction when presented by merchant. That 's not was done. They treated all transactions that were pending as if they came after the XXXX utility charge thus overdrawing the acoount and charging XXXX overdraft charges. There was never an overdrawn acccount. All charges authorized by me before XXXX were done with the available funds. Furthermore based on Suntrust documentation there was never an item presented without sufficient funds. I had the original XXXX available and when the XXXX was presented for payment on XXXX my direct deposit had posited. 
I feel Suntrust is very deceptive in its business practices. They do not adhere to their own disclosures. As a consumer how can you do business when they control your money and once seized by them it is impossible to have returned
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (LA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (DE)

I have sent 5 messages regarding my Macys Private Label Card to Citibank ( after logging into Macys.com and being redirected to their site ) asking them to lower my credit limit after an automatic credit line increase they gave me towards the end of last year. I asked them to lower the line to {$2000.00} and to not do automatic line increases. I have never received a response from them after all the secure message and tonight I called them and was on hold for over an hour before hung up. They are messing up my credit score and I want this resolved NOW. They should be fined!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-01-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime (GA)

Purchased a vehicle from Drive Time 2 years ago. I was told that they would report to the credit bureau, but they are not. Purposely try to make my payments on time, to help my credit, but they refuse to report while it is a positive credit. I do n't want to stop paying the loan, because that is when they will report the negative.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

I have called and spoken to approximately XXXX people at XXXX to dispute an account from them that is listed on my credit report through them. It states that I closed the account and it went to collections, and that I still owe {$270.00}. I have never closed my account with them, the account number listed is not even an account number that they have. They have confirmed orally to me that I do not owe them any money, and have an active open account. They will not remove it because they tell me that they did not report it. It clearly shows that XXXX reported it though.
Consumer complaint received 2016-01-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MI)

I am trying to refinace. I had a difficult time getting a payoff from seterus. They would not talk to me because i had come out of a chapter XXXX in XXXX. After sending many documents and several phone calls and a copllaint to the cfpb seterus did finally send me a payoff. However it was Over {$14000.00} what is reported on the credit report. When i contacted the loan servicer a agent told me that probably wasnt the corect payoff because they havet finished my final cure. I was transferred to a supervisor and she said she would look in to it and phone me back the next day. She never did. I then got in touch with the somone from their consumers and government affairs office. She told she would look into it and call be back the next day. She did call, she said that they had to get in touch with the company that handled my mortgage before them because they did something with a escrow account. I have not received a call back, today makes a week. 
I have already lost XXXX credit in closing cost from my refinancing company when i went oast my lock in date because seterus has not provided me with a corect payoff. 

I have been trying to get a payoff from them since XX/XX/XXXX. I need a corect payoff from this company ao i can refinance. If they say i owe more id like a account of why and when this extra debt accured.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Consumer complaint received 2024-08-16
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. (MD)

The information reporting on my credit profile is inaccurate and I would like you validate that its belongs to me per accounts below : Experian : XX/XX/XXXXXXXX XXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/year>XX/XX/XXXXXXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXXXX/XX/XXXXXXXX, XXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXX : XXXXXX/XX/XXXXXXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXX Balance : {$0.00} Account : XXXX Date Opened : XXXX XXXX, 2023
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My persistent efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries continue to have a profound negative impact on my life, causing significant emotional distress. I must emphasize that I never authorized or consented to the inclusion of this information in my file, as I have been a victim of identity theft.