davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX I received a letter from JPMorgan Chase Bank ( Chase ) that it decided to close my checking account. I immediately contacted Chase for an explanation. I was told it is their right to close accounts without explanation. I immediately contacted the Social Security Administration ( SSA ) to change my retirement benefit direct deposit from Chase to a different bank however that will not go into effect until XX/XX/XXXX, however since I notified the SSA prior to XXXX I was hoping the transfer would go into XX/XX/XXXX. XX/XX/XXXX I contacted the XXXX to track the funds since it did not appear in the new account as I had hoped. XX/XX/XXXX I contacted Chase to ask if it received the funds, I was told no funds were received nor pending. XX/XX/XXXX I recontacted XXXX who traced the payment and confirmed the funds were sent to and received by Chase on XX/XX/XXXX. XX/XX/XXXX XXXX recontacted Chase to be told no however after I stated XXXX traced the payment Chase miraculously located the transaction. XX/XX/XXXX I met with a Chase branch XXXX who contacted corporate at which time we were told a check was mailed to my address on XX/XX/XXXX. XX/XX/XXXX I followed up w/Chase via telephone, explained the situation, to be told the funds were " released '' and I should go to the branch to pick up a cashier 's check. I drove to the branch to be told : ( 1 ) the funds were returned to the SSA, ( 2 ) the person I met with on XX/XX/XXXX happened to be present so he took over, ( 3 ) that person contacted corporate to be told a check was mailed to my address on XX/XX/XXXX and would take XXXX to XXXX business days for receipt. I need my money now. The bank has the funds- they should immediately release the funds. I have been patiently waiting from my money that is very much needed to pay bills that are currently due. 

Chase provided false and misleading information about not only receipt of the funds, but status of the funds. I was told ( 1 ) funds weren't received, ( 2 ) then told the funds were received, ( 3 ) a check was mailed XX/XX/XXXX, ( XXXX ) then told I could go to the branch to pick up a cashier 's check, and after wasting my time and gasoline, ( XXXX ) told I could not get a cashier 's check from a closed account and that the check was mailed XX/XX/XXXX. Which is it? I now question whether the check was actually mailed on XX/XX/XXXX. I now believe Chase will wait out the XXXX - XXXX business days to actually release my funds to which it is not entitled.
Consumer complaint received 2024-03-27
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. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-03-27
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year>
Consumer complaint received 2024-03-27
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)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute XX/XX/XXXX with experian and XXXX, XXXX on some items that are showing on my credit report incorrectly. 

XXXX showing XXXX status shows open : I told them to provide me with a copy of my signed contract with this company as I have no knowledge of them or this amount and I have no open account for this amount. They responded in a few days that it meets Fcra requirements and closed my dispute. I have the right to see what this is and why its being reported this way. My guess is this was sold from an orginal creditor which i thought was against FCRA regulations, on top of it all the information is not accurate and I asked it be removed from my credit report. 

The other item was XXXX XXXX  in the amount of {$500.00} also showing opened as of XX/XX/XXXX, again no proof was provided to me, however i did get a 1099c a few years ago around this amount, and if it is the same account they its already been claimed on taxes and can not continue to ask me to repay this to a company I dont even know who they are, or if this is the same debit. This needs to be removed also from my credit report. 

Lastly is XXXX XXXX. Due to Hurricane Ian back in XX/XX/XXXX national emergency i applied for a forbearance with XXXX XXXX  they told me i didnt have to pay the mortgage for 3 months and the balance would be added to back end of my mortgage, once the forbearance was done they reniged and told me i had to pay it back. So they added to my monthly payment going foward which i have paid on time each month, so I have been current based on their agreement, yet its reporting negativly on my credit report. This needs to be update as not being current XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

To whom it may concern you're reporting XXXX XXXX XXXX account XXXX as an open account Which is not under FCRA Compliance, this is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. Thank you.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

My American Express card went to collections due to a divorce. It was charged off in XXXX of XXXX. On my credit report, American Express is reporting that it was charged off in XXXX of XXXX. This date is incorrect. XXXX of XXXX is when the account was paid off in a settlement, not charged off. I have called them multiple times, tried chatting with them online, spoke to multiple departments and filed a dispute through XXXX. They are not updating to the correct information. In addition, after my dispute they also added a charge off for the month of XXXX of XXXX on my credit report when the account previously had " no data ''. 

To be clear, the charge off occurred in XXXX of XXXX. The account was paid in a settlement in XXXX of XXXX. 

American Express will not provide me a letter confirming the date that my charge off was in XXXX of XXXX. When I talk to them every single person I spoke with confirmed the charge off date was XXXX of XXXX but it is still reported as XX/XX/XXXX on my credit report. I have said it backwards and forwards to their people but they don't listen, talk over me and are not fixing it.
Consumer complaint received 2023-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I was attempting to pay my mortgage today ( XX/XX/2023 ) through the online portal that Lakeview Loan Servicing , LLC provides but despite multiple attempts to pay through their portal ( which they suggest ) their website continues to glitch and not allow me to make my payment of {$5100.00}. I went to the help tab on their website and attempted to call during their posted business hours. Their help line was not accepting calls despite being during their business hours and it hangs up after letting the automated message tell you they are unable to help. I followed up by filling out the online form requesting information. I confirmed my account has the funds necessary to make this payment, Lakeview Loan Servicing is just not providing their customers with a working website and not making it possible to speak to a representative.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed on XX/XX/XXXX a late payment that is currently listed on my TransUnion credit report, and They updated on XX/XX/XXXX the on-time payment but never removed the derogatory mark on my credit report. The wrong information remains on my credit report and continues to negatively impact my credit score. The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX, ( being an on-time payment ). However, it is still reported as being more than 30 days late. This information is inaccurate and unfairly reflects on my creditworthiness. The continued listing of this late payment despite previous investigation suggests that Their procedures have not been adequate in this case.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I received a Notice of Insufficient funds. The statement has a right address of mine but the account information belongs to another customer " XXXX XXXX ''. I called the US bank to fix the issue but they simply asked to returned the statement. They were in no mood to investigate further if this is a systemic issue and more prevalent. 

I am worried my transaction information is accidentally being sent to other customer, just like i received the information of XXXX XXXX. 

I want Bank to make an investigation into the matter and inform me of the outcome.
Consumer complaint received 2024-03-27
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. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Upon reviewing my credit report, I have discovered instances of late payments on XXXX XXXX XXXX for the months of XX/XX/XXXX through XX/XX/XXXX. I want to emphasize that these late payment entries are inaccurate and unjustly affecting my credit score and financial standing.

First and foremost, I believe there has been a violation of the Privacy Act ( 5 U.S.C. 552a ) with respect to my credit report. I was never provided with the option to opt out of the reporting of my personal information to your agency, as required by the Privacy Act. This omission infringes upon my right to be informed and give consent regarding the collection and disclosure of my sensitive financial data.
Consumer complaint received 2023-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (FL)

Pursuing my XXXX XXXX degree at XXXX XXXX, Fl my Post 9-11 bill from my service in the XXXX XXXX ran out. I then had to use Private loans for the remaining 2 years at XXXX. During that time the service lender misrepresented the interest rate I would receive to me and my cosigner ( my grandfather ) and this was not noticed until the repayment started a few months after I graduated. I tried to speak with them several times and over many many hours to explain that I could not pay the XXXX dollars a month when I had no income coming in from my job. When I did get a job, I tried to convince them to put me into a payment plan that I could afford as I was paying federal and private and Sallie Mae continuously told me that they could not lower my payment. I then ask them to put it in deferment while I got a lawyer. I paid for a lawyer here in XXXX, Fl to negotiate with Sallie Mae. She met with me and told me that we could negotiate a settlement with Sallie Mae for over 75 % off the total loan amount. She then sent Sallie Mae a document that she was my attorney and all communications would go through her. I contact my attorney for a few years now and she says that Sallie Mae has not sent her the correct document. I call Sallie Mae and they say that they can not communicate with me or her. I am completely lost at this point and it has effected my credit for years now and I am unemployed. Is there anything you can do to help? Kindly, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant XXXX, even affecting my ability to XXXX I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY (UT)

I paid a rate lock fee of {$8500.00}. on XX/XX/XXXX. At this time we expressed concerns about interest rates and we were assured that this wouldn't be an issue because we could always move the rate lock to another property. 

As interest rates went up and the home we were building became more unaffordable we asked Wells Fargo about possible solutions to work with us. They refused to give us any options to latitude. They continued to tell us that the deal was as it is and if we wanted to cancel and forego our rate lock fee then we could. We didn't want to cancel but wanted additional solutions. The rate lock fee agreement says the fee is refundable if the loan is denied but they refused to deny the loan even as we no longer qualified for the house. 

On XX/XX/XXXX we were told that we needed to provide updated information and consent to a new credit check by XX/XX/XXXX or they would cancel the loan and not return our rate lock fee. 

I responded on XX/XX/XXXX. At such time additional information was request with a new deadline of XX/XX/XXXX to get the new information submitted. It was not explained to us at the time that not meeting this deadline would result in a cancellation from the lender and a forfeiture of the rate lock fee. We were in the process of gathering information and they cancelled our loan and their own discretion. 

Wells Fargo chose not to deny my loan but simply cancel it so they would not have to refund my rate lock fee. These actions are predatory in nature. It is not right to take money from someone, refuse to make accommodations when external factors make it so they no longer qualify, and then cancel instead of deny the loan so they can keep the rate lock fee. 

It is not legal to retain funds for services not provided. I would like my {$8500.00} returned to me immediately.
Consumer complaint received 2023-10-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (IL)

I was notified by CMG Financial on XX/XX/XXXX, regarding an escrow shortage of {$1600.00} due to a property tax increase from XXXX to XXXX. The shortage created an increase in my monthly payment from {$1500.00} to {$1900.00}. 
I replied via US Mail and CMG messaging center on XX/XX/XXXX, pointing out an obvious error in the projection due to CMG Financial using the incorrect real state tax amounts for the XXXX escrow projection. 
I sent a message follow-up on XX/XX/XXXX, asking about the status of the review of the escrow analysis. No response was received. 
On XX/XX/XXXX, I received another escrow analysis regarding a new escrow shortage of {$180.00}. 
On XX/XX/XXXX, I paid over the phone the shortage of {$180.00}. 
However, my XX/XX/XXXX payment in the amount of {$1900.00} has not changed, and according to customer service reps on XX/XX/XXXX, that payment will not change even if the escrow analysis was corrected.
Consumer complaint received 2024-06-07
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. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2023-09-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

Based on the marketing of American Express, I now have 4 Amex gift cards with {$200.00} each on them and I can not use them anywhere. AMEX is illegally keeping my money from me. They engaged in false advertising to mislead consumers into getting these cards with the promise of being able to use them universally, which is patently false. I can not find a single retailer to accept my gift cards as payment. They are universally declined. I have spent multiple hours speaking with agents on this issue and have only been told that the card can be used anywhere. Further to my dismay, I was told that the website on the back of the card provided to check your balance may or not be a fraudulent website so to not trust that either. These cards need to be discontinued as they are falsely advertised and do not function as viable commercial substance. The never-ending list of companies that will not accept these cards as payment include vital gatekeepers such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. AMEX simply gets to hold onto the funds illegally by having a product that can not be functionally used. This is totally unacceptable business practice and needs to be dealt with accordingly.
Consumer complaint received 2024-03-27
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. (NJ)

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of this receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!

PLEASE DELETE THESE ITEMS IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION under 15 U.S. code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under these following circumstances and no other : ( 2 ) In accordance with WRITTEN INSTRUCTIONS from the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is identity theft. As a consumer I am demanding the deletion of these accounts immediately!