davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WA)

Misleading Balance Transfer Offer on Chase Reserve I have used a balance transfer offer in XXXX XXXX XXXX for {$15000.00} at a 4 % fee, and was told all purchases going forward will be charged an interest unless I make a payment. 

From XXXX, I for every purchase I have paid back the usage and at times more than that the monthly purchases every month. But I am getting charged an interest. I have contacted Chase multiple times and every time they give a different reason. 

So in the month of XXXX I significantly reduced using the card and just used {$200.00} and paid back {$360.00} which is higher than the purchases and minimum balance due. Even then I was still charged a fees of {$23.00} which is almost 140 % interest rate. So, I started looking back each statements, and realized I was getting charged interest which kept on increasing even though I made full payments. This did not make sense and contacted customer care again.The customer care says there is some terms and conditions which says from the day of balance transfer to end of statement i was not allowed to make any purchases. So even if i pay the full purchases amount the bank will still keep charging me interest. 

Upon contacting customer care, I was told to pay back the whole of {$15000.00} so as to avoid interest even though I had a 0 % APR on balance transfer. Contact XXXX XXXX PST, conversation with XXXX XXXX 

Now I am a significant loss, I had to pay the high interest even though i have been paying back more than my purchases. On top I have to payback the whole of balance transfer which means the bank gets to keep the 4 % gaining profits. 

This looks like unfair interest rate being charged without any basis.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I had in my Money in my Savings .We did not know there was a Check from XXXX sent to our account.We did not even know.The Money came and went out the same day another account of Our 's than the Money from that account was gone everything in one day. 
Chase said sorry but it was not there fault. We called XXXX because it was draw under XXXX the Check made to XXXX XXXX but it was not me or my signature on the Check. 
They also refused to help us. They froze my accountswithout letting us know.They telling us it was a fake check one for {$3000.00} and one for $ XXXXobody wants to take the blame .Large amount both banks should have verified the checks called us but nobody did. We need help to get our {$5500.00} back. Is my money somebody is responsible either Chase or XXXX. I am very upset. This caused big problems between me and my Spouse. 
Please help us.
Consumer complaint received 2023-12-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank (AZ)

I sent request to validate a credit card account to XXXX XXXX XXXX for a First Progress credit card account owing {$200.00}. Have not received any validation materials itemizing what is owed on the account. Also sent letters to all three credit bureaus, XXXX, XXXX and XXXX asking that they have the account removed from my credit reports until validation can be received. They have not removed the account but just updated some minor information on the account.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Data Mortgage Inc. (NV)

The company Essex Mortgage created a subsidiary Named Data Mortgage DBA Essex Mortgage. I miss the mail notification. My payments are taken out automatically from my bank. I have nave been late on payments. My payments continue to go to the same address. They changed there address twice cause my late payment, Then they changed the amount on my mortgage payment so that when I did get new address and resubmitted payment to new address they said the would report me again for XXXX because a {$500.00} underpayment and due to they do not except partial payments. I asked them to remove the delinquent report on my credit but they refused even though I read a a law that gives home owners 60 days before they can report when such a change had been made.
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: EQUIFAX, INC. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER 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 2023-12-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: M&T BANK CORPORATION (GA)

I did not receive any disclosures on opting in or out of credit reporting at closing. I have asked for the opt-in and opt-out documents, in addition, I need a copy of the 3-day recission documentation that outlines that I had 3 days from the date signed to cancel the loan. These are all supposed to be given to be in line with Federal laws / RESPA/.

The Company repeatedly sends a copy of a Note and DEED not signed by them so there is no agreement.

I have ALL the original closing documents and there are no opt-in opt-out in regards to credit reporting and 15 USC 1666 B, states that they need my permission. RESPA, and TILA disclosures are also not in the closing documents in regards to the 3-day right to rescind. 

Do to the strain of fighting with the bank I am facing a divorce and have advised the Bank to forward all mail to XXXX XXXX XXXX XXXX GA XXXX to ensure that I receive their correspondence.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (FL)

On XXXX my monthly payment increased {$1200.00} due to increase in escrow account. I applied for a temporary loan modification and provided all requested documents. However, the proof of HOA payment was rejected ; Mr Cooper sent me a letter requesting me to contact the loan modification specialist for further assistance. That was on XX/XX/year>. Since I have called multiple times - on XX/XX/XXXX I dialed 10 times - but the automated systems didn't provide me an option to speak with an agent ; moreover, I was in touch with a refinance agent - only department with live agents. 

It is a federal law that a mortgage company must have a person assigned to speak with about my account ; it is called the contact law which Mr Cooper violated since I applied to the loan modification. 
In summary, the only live agents I am able to speak with are the ones selling refinancing loans.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (SC)

Around XXXX XXXX I opened a high yield savings account with Synchrony bank online. I have deposited XXXX in total and In the month since opening that account, I have opened another high yield savings account with another bank. I decided to start moving some of my money back to my south state checking account and my account was locked. their answer to " verify my account and Identity '' they needed to do a three party call with my bank ( XXXXXXXX XXXX XXXX ). XXXX XXXX XXXX does not do third party call verifications so Synchrony has essentially locked me out of my money with little to no recourse it seems. They had no problem opening an account and taking my money but it seems as soon as I need it or want it, they try to fight me in regaining access. And not only did they lock my account, they did it without any notification.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My account with the company and i 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 in MONTHS REPORTING LATE 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.

This company 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 2024-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (KY)

XXXX XXXX XXXX filed a lawsuit on behalf of Discover Bank back in XXXX. XXXX than failed to prosecute the lawsuit for 15 months, until they realized my address had changed. XXXX deliberately sent court notices for a summary judgement hearing to an address they knew was no longer a good address for me. They were able to get a summary judgment because I was not at the hearing. The deliberately tried to " back door '' a summary judgment by unethically, and in violation of due process, giving notice to an address they knew was no longer a good address. The court issued a judgement after the hearing back in XXXX. Four years later I became aware of the judgment. XXXX sat on the judgment, without my knowledge there was a judgment, for four years ; in hopes of someday being able to garnishes wages of accounts. Once I found out about the judgment I filed a motion to void that judgment for due process violations, etc. The court voided the judgement. However, the damages is done. Had I been aware of the judgment that XXXX unethically obtained and secretly sat on, I could have filed for bankruptcy protection over 4 years ago. Please hold XXXX responsible for the abusive and unethical collections practices.
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: EQUIFAX, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-03
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (FL)

No extra information was exchanged, I received multiple calls from different phone numbers ( the one I inputted being the most recent ) asking me about a debt I dont know anything about. I have received hundreds of calls over the last few years and have requested information from them in early XXXX  ; written statements of everything I supposedly owe, itemized out so I may be made aware. I have yet to receive any documentation from this entity and refuse to pay an sum of money until further evidence is presented. I have gone as far as telling this company to place me on their do not call list, they can not even respect my rights enough to stop their almost daily phone calls.
Consumer complaint received 2023-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

I am filing a complaint against Jefferson Capital Systems LLC for failing to validate a debt they claim I owe and for continuing to report this unverified debt to credit bureaus. 

Their reference numbers are redacted as below : XXXX XXXX On XX/XX/23, I formally disputed the alleged debt and requested permissible evidence to validate it, such as original contracts with my signature, fingerprints, or other permissible proof that the debt is owed to them. Copies of statements or bills from an alleged third party are not sufficient evidence. Jefferson Capital Systems LLC failed to provide any original documents or permissible evidence validating I owe this debt. Yet they continue to damage my credit standing by keeping these accounts on my record and reporting them to credit bureaus. This is a violation of multiple fair debt practices laws.

Despite giving them ample time after my dispute, they have taken no action to validate the debts through legal means or to retract the unverified credit reporting. This false reporting has hurt my credit reputation and caused me humiliation.

I demand Jefferson Capital Systems LLC to permanently delete these alleged debts from their records, retract any credit bureau reporting, and cease any further communications regarding these unvalidated accounts.

Please assist me in ensuring they comply within 15 days of receiving this complaint, or further legal action will be necessary. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. Consequently, I am formally asking for these accounts to be blocked and removed from my report. It is important to clarify that this request is not due to any mistake or negligence on my part, but rather because I did not explicitly authorize the inclusion of these transactions in my report.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I see that you verified the account listed below : XXXXXXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc. (IL)

Noticed a collections account listed on my credit report that is under Credit Management LP. They would not tell me who the original creditor is. They asked me to pay XXXX XXXX to get a free credit report. This makes no sense, Ive never had a legitimate business do this. They asked for my personal info but still would not give me info on who the original creditor was to this account and insisted I pay the {$1.00} fee to get access to my credit report to have this item removed and asked for my credit card information. They were unable to provide me with account information to verify this account belonged to me and I do not recognize this account. It seems to be fraud or a scam.
Consumer complaint received 2024-06-07
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)

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : 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 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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4800.00}
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX or XXXXXXXX XXXX got into my account and submitted the disputes on my account in total of XXXX company called me and told me they put funds into my account and wanted me to buy bitcoin with that money so they would give me XXXX in a personal loan for doing this for them. Also they said state of Florida seized my loan and wasn't able to get loan. I went to bank and they said I was responsible for the XXXX. I don't know how I am since loan company did the hacking
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.
Consumer complaint received 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

Please see prior complaint number XXXX. 

The companies response did not address the issue. When submitting my application for an income driven repayment plan, I was required to state my current income, which is XXXX. I was then required to advise if my spouse has income, which she does so i marked yes. Further to that, I was required to provide the proof of income associated with my spouse, as we file a joint tax return, I provided the last tax return which contained the AGI Nelnet is permitted to use to determine my repayment eligibility. 

Their response to my prior complaint was to require documentation that is not required for income driven repayment plans. They also provided conflicting information as they are requiring POI for me which does not exist.

Now, I am late on my payment due to NelNet not properly handling my IDR documentation. Nelnet should cease any negative reporting on my account and accept the tax return previously submitted to them for processing my IDR plan. I will submit this same documentation again, as I have 3 separate times at this point. But expect NelNet to take no further action against my credit or collection of any currently outstanding amount not due.