davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

My JPMorgan Chase account was new and got hacked several times. I kept getting calls from Chase asking me security questions to verify my account. On XXXX XXXX XXXX  I got a call from someone saying they were Chase and asked my the same security questions, I answered them and they said I need to wire money so they could lock down my account and the wire would be right back in my account, Stupidly I wired it. They hacked my phone and 2.5 later I called Chase to tell them to cancel the wire and I was hacked. I got an email from Chas saying if they don't here from me they would cancel the wire by XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (VA)

This complaint is in response to a previous complaint # XXXX. 

In that complaint, a US Bank representative responded with a copy of the terms of the offer which I had requested over the phone previously however had received inaccurate information based on the written screenshots now given. 

Disclosure # 1 on Page 4 of that attachment provided by the US Bank representative states " ncludes this verbiage : Your checking bonus ( " adjusted interest '' ) will be credited to your new checking account within 60 days following the end of the calendar month during which you completed all the offer requirements '' and I had a {$5000.00} Direct Deposit enter my account on XX/XX/XXXX therefore 60 days from the last day of XXXX would be XX/XX/year>. 

In the response from the US Bank rep however, he stated that the last date for the bonus per the terms was XX/XX/year> by using the 90 day qualification requirements and starting the 60 day timer after that, which is contradictory to the terms attached in this document from US Bank
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: EQUIFAX, INC. (CA)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$99.00} ; XXXX XXXX XXXX Balance : {$25000.00}.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX I # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

GAGE 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
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TX)

This grumbling to NORDSTROM/TD BANK USA was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

Last Thursday ( XX/XX/2024 ) I stopped by the ATM machine for Truist Bank located at the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, NC XXXX ) to withdraw some money. I was in the middle of selecting how much cash I wanted and it displayed a message that it was retaining my card and then another message saying it was in middle of update. I went inside the bank where the teller told me this ATM keeps cards every week and the bank does nothing about it. She told me they come on Wednesdays to service it and get the retained cards. So, I went back today ( XX/XX/2024 ) to get my card and the teller says there were no cards and she does not know where it is. On top of that the temporary card she gave me last week does not work at all. A bank with practices like this is totally unacceptable. Now I must wait for a replacement card. Truist cares nothing about quality customer support and it really shows.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (AZ)

Tried to pay off mortgage after receiving pay off quote given by Mr Cooper. Was given different amounts to pay each time. Spoke to 4 different workers who gave different stories as to why the wire transfers sent on XX/XX/XXXX {$4100.00}, XX/XX/XXXX {$2900.00}, XX/XX/XXXX {$2900.00} and XX/XX/XXXX {$2900.00} were all returned. One said the amount was wrong, another said it was being applied to the principal and not payoff amount on their side and it would not accept it as being applied incorrectly, another said she didn't see any of the wires and the last one we spoke with today said to disregard the bank name to wire to and to use the mr cooper mailing address and name as the bank name instead- but refused to put that in writing. Which is completely different from the wire instructions we received. XXXX XXXX tried to wire the payoff to Mr Cooper payoff wire instructions to XXXX XXXX but it was returned saying the bank account number was incorrect. The worker we spoke with today said the number was correct and exclusive to our home mortgage.An additional payment was accepted by the website for {$1300.00} on XX/XX/XXXX but the worker today said we are unable to make any more payments online or by phone as they have it in a payoff status and can only accept wire payments or cashier check. They refuse to provide a physical address to hand deliver a cashiers check anywhere in the United States where we can bring it in and get a receipt. After a string of errors dating back to XXXX I refuse to send in a check that can be lost, misdirected or otherwise rejected and they are saying that they can only receive wire transfers or mailed in cashiers check.
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

I have made a formal request to my mortgage company, New Rez, to remove my escrow account. The first request was made on XXXX, the second one was made on XX/XX/XXXX, the third one on XXXX, and the last one on XX/XX/XXXX. I have used the contact us tab on the company 's website and downloaded a formal letter with my original signature. I also contacted the customer service several times, and have emailed them at XXXX I have also sent it by U.S. mail on XX/XX/XXXX. 
Each time I send a communication, I get an automated letter response, that my communication was received and is being at the works. However, I have never received a concrete reply so far, and no action was done to satisfy my request. 
In the meantime, I cancelled my previous homeowner insurance policy and asked the mortgage company to not make a payment. They did so despite my request on XX/XX/XXXX, to renew the policy that was schedule to renew on XX/XX/XXXX. I have a new homeowner insurance policy with XXXX XXXX XXXX, which I pay independently. I sent the mortgage company a proof of cancelation for my previous policy with a proof of my new policy. I also sent them a proof to show that the funds they paid to the previous homeowner insurer on XX/XX/XXXX were reimbursed to them on XX/XX/XXXX. 
I requested again to delete my escrow account and pay me back all the funds they are holding. 
I spoke to a customer representative over the phone last Friday XX/XX/XXXX, and she filed a complaint and said my request will be expedited. I didn't hear anything since. 
I'm helpless- please help me.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have further been unable to get my money from merrill, i did a mobile deposit of XXXX into my account on XX/XX/2023, the check came on my middle name and last name ( XXXX XXXX ) so i signed the back with my full name XXXX XXXX XXXX, the money was paid but My account was closed as far back as XX/XX/2023, when i called for my money i was told told my check has been processed and i will get it in 7-10 days, so i waited till XX/XX/2023, i have to travel on XX/XX/2023 so i was trying to get my money my check did not come in the mail so i called Merrill and i was told by a manager that my check wasn't mailed that they sent my money back to the bank where it came from, since i didn't do anything fraudulent i pulled a call through to my bank at the other financial institution and they told me Merrill never sent them my money, that they've paid my money to merrill since XX/XX/2023, merrill cashed my check since XX/XX/2023, why is my money still with them? also after closing an account the rule states you mail a check to the last address on file, i have waited long enough and now i have my business to attend to .i have attached evidence of call to merrill XXXX and to the other financial institution and also attached the prove that my check was paid to merrill XXXX along side a copy of the legitimate check deposited into my merrill account. I NEVER DID ANYTHING FRAUDULENT. why did merrill had to lie to me that they sent my check out on XX/XX/2023? why did they have to lie when i call on XX/XX/2023 that they sent my money back to the bank it came from? why are they holding my money after closing my account? why did they violate the regulation E by holding my mobile deposit for over 30 days after getting paid for a legit check.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and fixed from erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX
Consumer complaint received 2024-01-31
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. (PA)

I found a number of mistakes on my credit report and I contacted Equifax in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-09
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. (GA)

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 2024-04-09
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 am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and formally request the immediate removal of charged-off accounts from my credit report. The presence of these accounts not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that consumer credit information reported by credit reporting agencies must be accurate, relevant, and timely. However, the charged-off accounts listed below fail to meet these standards and must be removed without delay : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. Balance : {$1800.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXX. Balance : {$1600.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. Balance : {$2400.00} ( as of XX/XX/XXXX ) Furthermore, I have never received a XXXX Form related to any of the alleged debts. It has come to my attention that these companies have utilized the debts as tax write-offs without providing proper notification, which further exacerbates the inaccuracies on my credit report. 

Per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action to enforce my rights under the FCRA. I expect your prompt attention and cooperation in resolving this matter. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

On or about XX/XX/2023 my information was used to establish several utility bills totaling about XXXX I never gave anyone permission to use my personal information this has ruined my credit that Ive worked extremely hard to build over the years my creditors are reducing my card limits due to this situation all kind of stuff is going wrong due to this mishap,
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IA)

i received my CD for closing and i have an un agreed origination fee of 3.125 % fee or {$10000.00} which was not discussed or agreed during my conversations with the loan officer. The loan officer ( nmls XXXX ), told me all borrowers have the same fee which is a complete lie. I will never do business with Quicken Mortgage.
Consumer complaint received 2024-05-21
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: LEXISNEXIS (TX)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$600.00}
Consumer complaint received 2023-11-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (CO)

I was granted a loan of XXXX on XX/XX/2023. I made a payment of XXXX on XX/XX/XXXX, then payments of XXXX on XX/XX/XXXX and XXXX. Today, I paid off the balance, and was horrified to discover that the total amount owed was almost XXXX! I don't know the exact amount, XXXX something. I believed that if I paid it off early, I would only owe the principal amount, but this was XXXX more than that. This company got rude with me when I was initially getting the loan and acted like I wasn't understanding the repayment amounts when I questioned them about how excessively high they sounded. I also was told there was no penalty for paying it off early. This is absolutely terrible and I don't know what to do.
Consumer complaint received 2023-05-03
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

My mother, XXXX XXXX XXXX XXXX ( the Borrower ) passed away in XXXX, 2023, with a reverse mortgage on her home. The lender is REVERSE MORTGAGE SOLUTIONS and the servicer that we have been dealing with is PHH MORTGAGE. We wanted to pay off the mortgage because the interest rate was high. We requested a payoff but never received it. We were able though to get the house under contract rather quickly so decided not to continue to pursue the payoff further but to instead pay the loan off at closing. The lender has been incredibly slow giving us the payoff and I and the closing law firm 's paralegals have been placing numerous calls in an effort to get the payoff. I learned on the phone today that the reason it takes them so long is that there procedure is that before giving a payoff they order an appraisal on the house -- THE COST OF WHICH IS CHARGED TO THE LOAN!!! There is not reason for an appraisal. We are asking for a payoff, not a loan write down. So, in the end we will be CHARGED OVER {$1000.00} TO RECEIVE A PAYOFF! This is unconscionable. Also, they told me that you must order a payoff for a date certain, which means to be on the safe side you must order it for at least two weeks out and overpay if the closing occurs before the date of the payoff. They then take 90 days to give you your money back! This must be illegal lender arbitrage.
Consumer complaint received 2022-11-08
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. (NY)

The following issues are incorrect : : - payment history history and amount - last reported date of activity This account has been charged off since XX/XX/2022 and XXXX  XXXX is still reporting negative items to to Experian credit report. Also, the account was charged off therefore according to the FCRA it is illegal to continue to report the following items : - Credit Usage - Balance - Past Due Amount - Credit Limit