davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial (GA)

WEST CREEK FINANCIAL DBA KOALAFI XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Is reporting a debt to my credit file that does not belong to me. I have never opened a loan with this bank at any point, at any time.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

Chase Processors has improperly and perhaps fraudulently removed money from my company 's checking account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We make use of a website, XXXX to sell product and provide customers a way to pay for their purchases with credit card. Chase performs the processing of the credit card transactions, for which they charge a base price of XXXX cents per transaction, or attempted transaction ( in the case where a submitted card for purchase has been denied ). On XXXX XXXX my website was, unbeknownst to me, inundated in the background by a flood of attempted credit card purchases, the vast majority of which were denied, which persisted until XX/XX/2024. A rogue operation were testing a list of stolen credit card numbers on my website without my knowledge to see which were approved and still usable, a well known type of scam that Chase should have been aware of. XXXX Attempted Transactions were Done.Two separate Withdrawals from my checking Account were Removed.On XX/XX/2024 Chase Processing deducted {$15000.00} from my account And on XX/XX/2024 Chase removed XXXX for their services for the months of XXXX XXXX XXXX. I was shocked. Historically, they have never deducted more than around {$300.00} for any month for their services. I became aware of these deductions on XX/XX/XXXX and on XX/XX/XXXX when I logged into my checking account to pay bills. I called them immediately for an explanation. They said they were charging XXXX cents per transaction for over XXXX transactions that month duration. Chase is a huge, sophisticated operation. It is impossible that their tools and systems did not immediately detect a huge spike, amounting to a MULTIPLE OF AT LEAST A THOUSAND TIMES, over what my website customarily, and historically does. Plain common sense should have recognized that there was a bad actor at work. They breached their fiduciary obligation to me in two ways. They have among their tools the means to immediately put an end to the type of fraud that was occurring, but chose to do nothing, allowing charge after charge and fee after fee to continue for almost a full month. Neither did they alert me as to what was going on. I do not think that this, at minimum gross negligence, verging on complicity was without design. It reaped for them a {$19000.00} ill-gained windfall at the expense of a customer to whom they have fiduciary responsibility. If as I suspect this conduct of theirs extends across their whole system, there have probably been XXXX XXXX XXXX pillaged by them from small businesses in the most deceitful way. Chase has Responded with crediting my account on XXXX XXXX XXXX. They are refusing to fully refund the remainder of XXXX. I request that you hold them to account.
Consumer complaint received 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC (OR)

I was scammed and sold into a predatory loan product, completely lied to about the " discount points '' being offered to me by Rocket Mortgage. I was told the discount was being offered " by the company '' when in fact it was a discount point buydown coming out of my own pocket. 

My FHA loan had reached 80 % LTV and the PMI was falling off on it's own as well. I lost equity in my home, I lost years I paid on the loan and I was sold a product that has nearly put me house poor. 

I attempted to deal with Rocket Mortgage and they basically told me that I fell for their sales pitch and too bad so sad. 

I am currently in the process of refinancing this horrible loan again just about XXXX months later simply to escape this horrible company and predatory loan.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

XX/XX/XXXX at XXXX XXXX I had a Voicemail message from phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they are trying to track me down about a legal matter that has been placed with their firm. They said they made previous calls and sent letters to no avail. 
Mention going to their website immediately at XXXX I called ( XXXX ) XXXX on XX/XX/XXXX at XXXXXXXX XXXX and was told that I signed a XXXX  Agreement for a credit card on XX/XX/XXXX with XXXX so the statute of Limitations does not apply. 
The person I spoke with said they did not have any documents or a contract she could send me and I don't either, especially from XXXX  years ago.
Consumer complaint received 2024-09-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (FL)

My student loan is being serviced by Navient. Since XXXX, when I lost my job with XXXX XXXX, I was attempting to get an Income Based Repayment plan. When I was downsized from XXXX XXXX I experienced a {$30000.00} reduction in pay. I was able to get my mortgage modified to a lower interest rate through the Making Home Affordable - Modification program. However, I repeatedly requested that Navient move me into an income based repayment plan. They would not, instead they pushed me over in a forbearance. I did not need a forbearance and was not alerted as to the exact date that the forbearance began or ended. Once I was aware that I was in a forbearance, I continuously requested a income based repayment but was told I did not qualify for one. In conclusion, the forbearance ended without my knowledge, I was not making payments because I could not ascertain the amount I needed to pay and now my credit is destroyed because the record shows I have non-payment dates on my student loan accounts. Although I have sent numerous request via the credit bureaus to remove the non-payment and slow payment credit information, Navient has not. I explained to them that I was told that I was in a forbearance and did not have to make payments. At this point I do not know what to do to get this negative information removed from my credit file. Additionally, I believe this debt should have been forgiven as part of the school loan forgiveness program. Please assist me in dealing with Navient. I am an XXXX XXXX XXXXXXXX vet and have been paying these school loans since early XXXX.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (MI)

I opened a Discover Bank Checking and Saving Account. Before my debit card had arrived and a deposit had been made they notified me they were closing the account and would not provide a reason. I continue to get communication from them wanting me to activate the debit card, asking me to make a deposit and how their service has been. I have called twice their customer service department and have inquired as to the reason and if I can re-open and the customer service representatives have no information other than the account was closed as a business decision. They should have to provide some reason for the closing. If they are using credit score then I have received non of the reg E notices regarding that.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (SC)

This letter was sent to the XXXX XXXX XXXX XXXX department on XX/XX/year>. 

" On XX/XX/year> | purchased a XXXX XXXX money order from XXXX XXXX in XXXXXX/XX/XXXX in the amount of {$340.00}. 
My intention was to submit this money order for deposit into my account with XXXX XXXX Bank. The money order was rejected by XXXX XXXX Bank as they do not accept money order deposits. 
I have been attempting to get a refund from XXXX XXXX since the date my deposit was rejected on XX/XX/year>. After submitting the required documentation showing the uncashed money order, the money order receipt, and the completed tracing/refund request, I received an email from XXXX XXXX XXXX XXXX refund request and the XXXX case number of XXXX XXXX XXXX. On XX/XX/year>, not having heard back from XXXX XXXX regarding my refund, I called customer service and spoke with XXXX. I was advised that the escalation department should send me a status in XXXX business days. I never heard back from anyone. On XX/XX/year>, I called customer service again and spoke to XXXX who informed me that the case was already in the hands of the escalation team and I should get the refund in XXXX days. As of XX/XX/year>, I have not received a refund nor an explanation why a refund has not been issued. 
On XX/XX/year>, I called again to get a status on this case and spoke to XXXX, ID # XXXX. He was more thorough than the previous agents and has again escalated this to the escalation department and forwarded a copy to his XXXX. The new case number assigned to this follow up request was XXXX XXXX XXXX. I was informed that I should get a status on this case in XXXX to 18 days. As of XX/XX/year> I have heard nothing back from XXXX XXXX and have not received a refund of the uncashed money order. ''
Consumer complaint received 2024-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION (FL)

Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable CASH transaction. The finance charge shall not include fees and amounts imposed by THIRD party closing agents. 


I was charged by the third party closing agent A cash amount which I a violation according to 15 usc 1605
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. CAPITAL ONE XXXX
Consumer complaint received 2024-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (MO)

On or within a couple of days of XX/XX/XXXX, I submitted a request for PMI cancellation to XXXX. I provided an appraisal completed through XXXX. I received the required confirmation that they received my request. I have since heard nothing. I attempted to chat with the company on XX/XX/XXXX. I chatted with XXXX XXXX around XXXX XXXX. XXXX was unable to provide me any additional information. At first I was told they would raise the PMI cancellation request for me. I told them I had already raised. They told me I needed to submit a BPO form and fee. I was never asked to provide that in connection with this cancellation request. I provided an appraisal. XXXX was then able to see I submitted the appraisal and said they would request cancellation. I said I already submitted for cancellation and was requesting to know the timeline for processing the request. They said to allow for XXXX days. It's been well beyond XXXX days. I've asked additional details and XXXX could provide no additional details other than to wait for someone to email me when it had been processed. I do understand they need time to review the documents, but I should be able to ask their company about a timeline of completion of the review and receive an answer. To delay processing because they are behind is a XXXX violation. To not be able to answer my questions about timeline of processing is not only ridiculous, but I'd argue it is also a XXXX violation. I asked XXXX to officially log a complaint and they abruptly ended the chat while I was typing stating they were ending it due to no response. I was literally responding and responding timely when they ended the chat abruptly. All I am asking is status of processing my request. If the request is going to be honored, I need to understand when PMI will be removed and should not have to pay PMI for XXXX if there is a delay due to XXXX 's understaffing. If the request is not going to be honored, then I need to understand why.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from applying for loans and getting better housing.
Consumer complaint received 2024-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

On a series of XXXX federal student loans with 2 discharge dates separated by a couple of months, I made over the 120 payments while discharge was being processed. Mohela owed me just over XXXX from making payments beyond the 120 required payments. I called multiple times to get my refund issued and they said they would send it. Now, 5 months later, they are now saying I am owed no balance as they get to keep everything paid to them up to the formal discharge processing. I then read to the agent the verbiage from Studentloan.gov verbatim, " If your qualifying payment total is at 120 or more, you can opt into forbearance and stop making payments on your loans. If you continue making payments, any overpayments will be refunded if you have no additional outstanding loans. '' Agent XXXX ( XXXX XXXX ) said I was incorrect and I would be getting none of my money back.
Consumer complaint received 2024-06-27
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. (IL)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - RXXXX XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint again to address suspicious information on my credit report. The three credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Failure to comply will result in legal action. 
XX/XX/XXXXXXXX XXXX XXXX Balance : {$440.00} XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$170.00} FXX/XX/XXXXXXXX XXXX : {$170.00}
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

My accounts with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this may concern, my name is XXXX XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I demand the removal of this incorrect information : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( XXXX ) XXXX.
Consumer complaint received 2024-06-26
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. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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/year> 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.