davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

This is a complaint against Chase Bank XXXX I purchased airline tickets from XXXX pre pandemic on my debit card. We never took the flights and XXXX gave us a refund. Chase is saying they never received the refund which was sent on XXXX. The original debit card i used was closed out and a new one was issued sometime in XXXX XXXX XXXX. I have the XXXX transaction numbers from XXXX showing that transactions. I also have receipts from XXXX showing the refund to Chase. I have been back and forth with Chase countless number of times to no vail. Just yesterday I spoke with a Chase XXXX and they said I needed to file a claim.. After all this time it is the first time chase is telling me I need a claim but it may be too late as it is longer than 2 years There are 3 different transactions for 3 separate tickets. The amount of all 3 transactions is over {$4000.00}
Consumer complaint received 2019-12-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AR)

A Written Appeal to the SPS ( Select Portfolio Servicing , Inc ), Trial Mod offered to Acc # XXXX was submitted and received several times by SPS on the following dates : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and finally XX/XX/2019. 
Included in this document is the Right to Appeal, in which an error by SPS on the Comps of the  XXXX XXXX Subdivision versus the XXXX XXXX XXXX XXXX Subdivision. There is a {$700.00} per month to {$800.00} per month increase difference in property value. That is a 45K-100K upgrade property difference between XXXX XXXX XXXX XXXX Sub division and XXXX XXXX XXXX Sub division. SPS Hardships forms were submitted on XX/XX/2019. The Trial Modification Plan amount was XXXX. The currents payment was XXXX. That was a Payment increase of {$190.00} per Month on the Loan Modification amount. The Modification is intended to help American but the payment increased. Corrected Comps and a Right to Appeal in The XXXX XXXX Subdivision and Arkansas XXXX County City Property Card for Parcel XXXX Loan # XXXX were submitted again on XX/XX/2019. The Error is Comps on a higher price Subdivision like XXXX XXXX XXXX XXXX XXXX Subdivision versus the XXXX XXXX Subdivision in which SPS took. Also enclosed is the State of Arkansas property value of XXXX XXXX XXXX XXXX Ar XXXX in the XXXX XXXX Subdivision and Comp for the  Subdivision. Consider this Right to Appeal document submitted on the XX/XX/2019. Finally income change state of Arkansas Garnishment XX/XX/2019 ( See addition forms enclosed in this Right to Appeal Document ). Also, Information concerning my mortgage insurance was submitted to you, as well as the bankruptcy Court but SPS continued to charge for Escrow ( Taxes and Insurance ) {$400.00} and now {$1100.00}. You have yet to respond in writing to our documents. This information and all documents are being forwarded to CFPB, XXXX, Ark State Regulatory Board, XXXX XXXX Ark Attorney General, HUD, and  the Federal Reserve, and Legal action pending the outcome.
Consumer complaint received 2024-03-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Onity Group Inc. (FL)

I am lodging a complaint with PHH Mortgage regarding a situation with my local housing department in XXXX. They sent a delinquent mortgage payment of {$2800.00} on XX/XX/2024, covering both XXXX and XX/XX/2024. After facing hardship and a denied modification from PHH Mortgage, I sold my home to XXXX XXXX XXXX XXXX. Despite numerous calls to PHH Mortgage, I learned on XX/XX/2024, that they received the housing department 's check. I was assured it would be applied before the payoff amount. However, more than a month later, the {$2800.00} has not been credited to my account, potentially leading to an overpayment. The lack of coherent responses from PHH staff is concerning, with conflicting information about the status of the check. Suspicions arise that PHH may have mishandled the payment. I demand clarity and a refund of any overpayment promptly. Failure to address this could result in legal action with an attorney, as PHH has not provided satisfactory explanations regarding the check.
Consumer complaint received 2024-07-13
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. (NC)

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX ( XXXX ) for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo needs to provide the following information which has been dodged for three complaint rounds to date to support their allegation that I was missing payments in the XX/XX/XXXX letter provided to CFPB. 

Provide the account ledger for my loan from XX/XX/XXXX to XX/XX/XXXX. 
Do not answer the question with a customer activity statement. 


Previous Complaint : I would like a direct answer to my question be provided by Wells Fargo which to date has been dodged for two complaint rounds. What payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? In Wells Fargo 's response to complaint # XXXX XXXX XXXX states : " You've continued to assert there was no payment delinquency. There is no evidence to support your assertion. '' Wells Fargo needs to answer my first question what payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? After the missing payments are identified, by Wells Fargo, then it will be up to Wells Fargo to provide evidence that I did not pay the missing payments. Note that the market rate value of XXXX XXXX XXXX, XXXX XXXX XXXX is valued atXXXX : {$650000.00} XXXX XXXXXXXX : as of XX/XX/XXXX. Wells Fargo stated in their response to my complaint # XXXX the following : " Regardless of whether you provide additional information, we are outside of the regulatory mandated timeframe in which we must respond. '' Is it Wells Fargo 's intention to be uncooperative within the CFPB complaint process? I have a question about the XX/XX/XXXX letter Wells Fargo inserted in their online response where it is stated " Our records indicate that your loan is in default for failure to make payments due. '' I disagree with that assertion and it is a desperate attempt by Wells Fargo to use their letter to distract from my research which proves there was no payment delinquency or justification for a payment increase. Since Wells Fargo has introduced this letter, the burden of proof of missing payments is on the bank. What payments were missing? Wells Fargo mailed me a letter dated XX/XX/XXXX which included an attached check for {$200.00}. Wells Fargo admitted an error may have occurred We apologize for any inconvenience this caused. Since Wells Fargo has admitted an " error '' had occurred '' and provided a check for financial acknowledgement, the error qualifies me under Section 28 of the Consent Order as a victim. Unfortunately, the {$200.00} check is not an acceptable amount to make me whole and will not be cashed. It is woefully inadequate to compensate me for the loss of my home which has a current market value of {$650000.00}. In addition, under Section 79 of the Consent Order, Wells Fargo agreed to help the Bureau determine the identity and location of, and the amount of harm sustained by, each Affected Consumer. Is Wells Fargo going to comply with the Consent Order and formally declare me as a victim to the CFPB Enforcement Officer?
Consumer complaint received 2024-07-13
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. (MI)

It is my sworn statement that the following account is not mine and was never originated nor authorized by me. I need this account deleted immediately due to identity theft pursuant to 15 USC 1681c-2. Also please delete fraudulent inquiries listed. 

XXXX XXXX XXXX XXXX Please see attached identity theft report.
Consumer complaint received 2024-07-13
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX  Partial Acct # XXXX ....
Consumer complaint received 2024-07-13
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXXXXXX Partial Acct XXXX XXXX
Consumer complaint received 2024-07-13
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (NJ)

On XX/XX/XXXX, I contacted Rocket Mortgage to add an additional checking account to my Mortgage Account via the Rocket Mortgage App. I was instructed what to do and followed the instructions from the Customer Service Rep. I applied the routing number and checking number and received a confirmation that my payment was accepted to support XXXX 's payment. On XX/XX/XXXX, I received an email stating that the checking number that I submitted was missing 2 digits and that Rocket Mortgage already reported my payment as being late to the 3 credit bureaus. I spoke with XXXX XXXX, Servicing Escalations Specialist o XX/XX/XXXX & XX/XX/XXXX who confirmed that the app accepted the data to include the routing and checking number, but does not recognize if missing checking account data. She confirmed that the routing number data was correct, and IF her team manually typed in the checking data incorrect on the phone, she would be able to reverse the negative credit reporting. Since it was performed by me on the Rocket App, she could not reverse the negative credit reporting. I pleaded that I have never missed a payment in over 10+ years with being a customer with Rocket Mortgage and also just refinanced in the spring of XXXX, and she could not help me. After explaining that I would be seeking counsel, she provided me with Rocket contacts to include the Qualified Written Address for Official Complaints and Subpoena Address so that my lawyer could contact them in them writing. I explained that this error which Rocket Mortgage 's System did not capture in a timely manner, reduced my credit score by XXXX points between 3 credit bureaus who have three different credit report number adjustments. With the reduction in reporting, I will not be able to refinance into a conventional mortgage as Rocket Mortgage sold me on in the Spring of XXXX when refinancing me into a second FHA mortgage in the spring of XXXX. I'm trying to get this resolved, but the error is truly on Rocket Mortgage 's end since the system should capture how many checking account digits are needed based upon the routing number submitted. If the Rocket Mortgage Customer Service team typed this data in incorrect and they could reverse the negative credit data from my reports, why can't it be reversed based upon my current circumstance which was a clerical error and the Rocket system did not produce an error message. They received both XXXX and XXXX 's payments on XXXX XXXX once this missing checking account data was corrected and all the payments are up to date. I was even skeptical when they performed the correction since I was fearful that XXXX 's payment wouldn't take and clear due to the banking data that was corrected. It was however paid and the funds for both XXXX and XXXX were accepted and cleared days after XXXX XXXX. Rocket also removed the late fee for XXXX based upon this circumstance, but would not remove the negative reporting based upon the glitch in their payment system software.
Consumer complaint received 2024-07-13
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. (FL)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2024-07-13
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. (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 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

I recently receive a XXXX XXXX XXXX XXXX Credit Card from Comenity Capital Bank, part of Bread Financial. 

Due to website issues it was approx 2 weeks after I received my card before I could register on the website. The company advised this was a known issue.

Once I was able to register and received the first statement, I tried to schedule a payment. There are 3 ways to make payment online : one time payment, automatic payment, and through their EasyPay option. Trying all of these, they all errored with " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. ".

I contacted customer service by phone when it first happened on XX/XX/2023. The agent said he hadn't heard of this issue before and said I should try again the next day. 

The issue persisted and I called again on XX/XX/2023. The agent said the website was having a number of issues and a fix would be implemented over the weekend and to try again on Monday, XX/XX/XXXX. 

The issue persisted and I called customer service again on XX/XX/2023. This time the again said it was a known issue and they plan to have the issue resolved by the first week of XXXX. 

The issue still persists as of XX/XX/2023. I have a payment due on XX/XX/XXXX. It is unclear if I'll be able to make that payment online. 

The company issued me a card knowing their website was not functional. That is irresponsible and deceptive.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported Identity theft to Bank of America commencing in XXXX. I received an award. 
However, the identity theft persisted and I reported the replacement card ( s ) to Bank of America in XXXX. I did not hear from Bank of America regarding my identity theft claim for over a year. The accounts were reported to the FTC as unauthorized accounts. The accounts were closed. Recently on XX/XX/XXXX, I received a Statement only from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX for a Bank of America card debt which is not mine. I never had an account ending in XXXX I do not have the entire account number nor have I received bills from Bank America. I sent a XXXX and XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX. USPS confirms XXXX XXXX XXXX received the Cease and Desist on XX/XX/XXXX. I stated in my Cease and Desist I never had an account with Bank of America ending in XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX of XXXX XXXX dated dated XX/XX/XXXX in violation of the Cease and Desist which threatens me with a lawsuit also a violation of credit and collections law. I wish to enforce sanctions on this scam.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CT)

Hi, Today I applied for a XXXXXXXX XXXX XXXX that advertised I was pre-approved and would be able to use a temporary card the same day with 25 % off my purchase. When I applied I could not use the temporary card that was issued. I called XXXX who told me to call Comenity Capital Bank. I called the bank today and they did not have any idea of what I was referring to, no one could help me as no one at the company had access to the temporary credit card that they themselves advertised. If you XXXX this issue youll see that this false advertising has been occurring for some years now. The bank has told me that I have to wait for my physical card. If I knew I had to wait until my physical card came in then I would have never applied. This is false advertising by definition. They knowingly falsely advertise the promise of using a temporary card instantly which is what hooks people in to apply.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I requested Experian and XXXX to properly conduct an investigation on a XXXX XXXX XXXX account reporting on my credit. Experian and XXXX are claiming that this account is Verified. This account has not been properly " verified '' without sending me a copy of my HIPAA authorization form. 

This account in question is a MEDICAL ACCOUNT, that is protected under the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account, Experian and XXXX are compliant in violating my rights and will be held accountable if legal action does persist. 

ADDITIONALLY According to Cushman v Transunion 1997, Experian and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 

XXXX XXXX XXXX has been reporting inconsistent balances across bureaus : XXXX Removed for inaccuracy EXPERIAN- XXXX {$6000.00} XXXX XXXX- {$5900.00}
Consumer complaint received 2024-07-13
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)

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 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

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.