davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO. (OK)

Good morning. 

I would like to know who I contact to file a complaint regarding the mortgage department and their employees. 

My loan number is XXXX My FHA Case number is XXXX I was working with employees XXXXXXXX XXXX and XXXX ( XXXX ) XXXX XXXX 

The following time line of events listed are the best to my knowledge. 

On or about : XX/XX/XXXX, XXXX I was conditionally approved for a mortgage loan of {$65000.00}. 
Again on XX/XX/XXXX. 
XX/XX/year> I withdrew {$650.00} from my bank account for a cashiers check for the title company. 
XX/XX/year> Chase Bank withdrew {$500.00} from my bank account for XXXX XXXX. 
XX/XX/year> I obtained home owners insurance, as I was advised to by my team for {$3300.00}. I have since had that policy cancelled and refunded to my account. 
XX/XX/year> I was told an appraiser would be out to the XXXX property and I would receive the report after the XX/XX/XXXX holiday. 
XX/XX/year> XXXX XXXX contacted me and the discussion ended in me terminating his services and me hanging up on him. 
XX/XX/year> the Appraisal Package was uploaded to the Chase XXXX app. 
XXXX XXXX I received a letter of denial for my loan for the XXXX property. 

For XXXX months I worked with XXXX and XXXX to get all the documents they requested as well as complete actions they asked. 
I was told all the jumping through hoops was because it was an FHA loan and the only loan I qualified for. 
I am now out of pocket {$1100.00} that I could use to close on my new home on XX/XX/year>. Is Chase Bank, XXXX, or XXXX going to refund these funds to my account, since the services I paid for were never rendered? 
After my discussion with XXXX on XX/XX/XXXX, I began working with a new team. I was approved for a loan of {$90000.00}, that was not an FHA loan, as I was told that was the ONLY loan I get approval for. Kinda funny that I began with my new ( better ) team less than a month ago and I am set to close and move in less than XXXX weeks. 
I trusted MY bank to take care of me and put my children and I in our forever home. However, yall failed individually by your employees and as a whole as a banking institution. 
I truly hope the {$1100.00} is refunded to me due to the failure of your entities. 
Also, how can you deny my loan, after I was approved already and terminated my team? I have told several of my friends to not contact Chase for lending. Yall are disgracefully a disappointment. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (NJ)

My mortgage with Cross Country Mortgage is an FHA loan which includes the taxes and insurances paid through escrow. Our regular home insurance & flood insurance was due on XX/XX/XXXX. When i called to inquire as to why these payments were not made, I was told that there was no invoice from the insurance companies. Both XXXX XXXX XXXX flood assured they were sent more than once. 
This is the first time I have heard of such a request. The prior years the insurance was paid as it should be, and Cross Country is well aware of the dates the insurance expires since they have a copy of the declaration with the dates on it. 
I was assured that this was going to be handled. They paid my flood insurance, but to this date have not paid my regular home insurance. I received notice from XXXX insurance that my policy will lapse as of XXXX XXXX XXXX. My insurance companies ad informed me of a " grace period '' of up to 90 days. If Cross Country shorts say XXXX other Mortgagees at approx. {$3000.00} each, that would give them $ XXXX to play with for 3 months. I feel this need to be investigated. I had also requested that my taxes and insurances be taken out of the loan and I would pay directly myself and offer proof to them, but was denied. Obviously Cross Country is not properly servicing my loan.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (MS)

I am the author of this complaint and I have a few companies that I want to complain about. 

1. XXXX XXXX 2. I.C. SYSTEMS INC 3. MEDICAL DATA SYSTEMS These three companies has not complied with 15 USC 1692g and they are reporting to XXXX, XXXX, and XXXX inaccurately and unlawfully.
Consumer complaint received 2024-09-02
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Funds withdrawn from my paycheck are for XXXX XXXX via BANK OF AMERICA XXXX XXXX XXXX  are withheld. I have been denied reimbursement even though receipts for covered services were submitted. Bank of America wants itemized receipts which are not given when paid by credit card at the time of service. The receipts clearly show the date of service and the Physician 's name or the name of the store in the case of XXXX where COIVD tests were purchased online. 

They make it next to impossible to get reimbursed for medical related charges. They get to keep all unused funds. This is undue stress which can result in additional medical expenses. It should NOT be this difficult to get reimbursed for legitimate charges for which there are receipts. Your consideration and assistance in the matter will be greatly appreciated.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (GA)

XXXX XXXX XX/XX/year> I received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above. 
I think 30 days should be long enough for your company to complete this investigation.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TX)

In accordance with the fair credit reporting act Credit Acceptance Corporation has violated my rights under 15 U.S Code 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S Code1666b a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

Took out loan with Care Credit for XXXX XXXX on promotion. Had 1 year to pay back loan but upon loan maturation, the original loan amount was doubled and excuse given as accrued compound interest rate. Currently paying 32 % interest on original loan amount. Looks like and seems like loan snarking practices by this company. I understand that interest can go up upon the maturity date of a loan, but double compound interest on the original amount? Seems or should be illegal.
Consumer complaint received 2024-09-04
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: I.C. System, Inc. (TN)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

This is in response to complaint XXXX. The person who responded on behalf of the company provided false contact information in their letter. When I attempt to call the number theyve provided, I am transferred to a voicemail box for XXXX in disputes. I am not surprised by this, considering it tracks with the companies previous and ongoing false and fraudulent actions.
Consumer complaint received 2024-09-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PLANET HOME LENDING, LLC (NY)

I am a XXXX resident, in 2023 i obtained an FHA loan for my primary residence at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Planet Home Lending purchased my loan in 2023 and they are currently holding it. I am in the process of refinancing with a different Lender SUMA FCU and they have agreed to process a XXXX. As you know, this saves a XXXX XXXX borrower a significant amount of money in the form of a mortgage recording tax credit. Planet Home Lending is the payoff bank, they will be paid in full but they are refusing to process a XXXX, such refusal will cost me {$14000.00} in additional mortgage tax that i would not have to pay if XXXX XXXX XXXX agreed to process a XXXX. Me as Borrower relied upon this common practice in taking out the loan originally. The original lender i borrowed the funds accommodates XXXX as common practice. 
This mortgage loan is governed by XXXX XXXX law, even though Planet Home lending is a Connecticut institution. 
The routine customs and practices of lenders in New York should also be respected and followed in this case since they are doing business and hold a NY license. 
I have sent multiple emails, numerous phone calls with Planet Home Lending customer service only to receive a blank answer that they do not participate in XXXX. 
Planet Home Lending also is misleading consumers because their payoff letter specifically mentions NY XXXX but they never honor the representation made on the documentation.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXXXX XXXX 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$970.00} - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$660.00} - DATE OPENED XXXX XXXX, XXXX XXXX  XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX 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 XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX -Date opened XX/XX/XXXX - BALANCE {$380.00} XXXXXXXX XXXX XXXX XXXXXXXX -Date opened XX/XX/XXXX - BALANCE {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX -Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Date opened XXXX XXXX, XXXX - BALANCE {$990.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX SC XXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. XXXX XXXX has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION
OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING TH
E CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 
WITHOUT PREJUDICE XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a consumer. There is not a third party representing me. I have explained to TransUnion that I am not liable to pay this debt from XXXX XXXX XXXX, they inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company National Credit Adjust has failed to produce any evidence that I am the rightful owner of this debt with them. I have explained this to TransUnion as well as sent proof ( attached ) of a fraud affidavit from the FTC and a police report AND the affidavit from the FBI. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked XXXX XXXX XXXX  to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! TransUnion has received all of this information and they are knowingly still reporting that I owe this debt on my credit profile. The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. TransUnion is in violation of several FCRA laws. This is a defamation of my character and damage to my financial life. As a citizen I would expect the very least and as a veteran I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that TransUnion immediately and PERMANENTLY delete this information on this debt that I do not owe and discontinue reporting.I do not owe national credit adjust and they are in several violations of the FDCPA and TransUnion is in violation of several FCRA laws. I demand that TransUnion delete this stated fraudulent debt from my credit profile immediately.
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (WA)

We called them on XX/XX/scrub> 2024 to start a payment arrangement with them to pay off my debt. They want to settle for {$13000.00} as long as I pay 10 % of that amount and then will be paying XXXX XXXX monthly after that until the debt is settled. I was advised that they dont report to the credit bureau if I make payments which was fine with me my goal was only to pay it off. So we had that understanding so I asked for a letter of agreement on what we agreed upon the company refused to send a letter because according to this person its their company policy and they have an incident in the past that they have given letters and the people stopped paying them after they got their letter. According to him their prof is the recorded line when I called. Theyre refusing to give me that letter and I am not confident without that letter as I am scared they will turn around everything on me in the future
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (VA)

XXXX- retail XXXX - XXXX XXXX XXXX XXXX XXXX , OR XXXX XXXX ( XXXX ) XXXX was closed and reported as paid in full however its reporting as late payment to XXXX, XXXX and XXXX, which is affecting my score. I would like to bring to your attention that reporting late payments on closed or satisfied accounts violates the Fair Credit Reporting Act ( FCRA ) and the Credit Reporting Agency 's own guidelines. 

According to the FCRA, credit reporting agencies are prohibited from reporting inaccurate or incomplete information ( 15 U.S.C. 1681e ( b ) ). Additionally, the Consumer Financial Protection Bureau 's ( CFPB ) guidelines state that credit reporting agencies should not report late payments on accounts that have been paid or closed ( CFPB Bulletin 2013-09 ) .Moreover, the XXXX 2 reporting guidelines, which are widely adopted by credit reporting agencies, specify that accounts should be reported as " paid '' or " closed '' once they have been satisfied, and that late payments should not be reported after the account has been paid or closed. Please investigate this matter and correct the error as soon as possible. I would appreciate it if you could also provide me with a corrected copy of my credit report.