davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (IL)

there is an account from XXXX XXXX  XXXX on my credit reports that show different account types different payments made and different date started and closed and different last reported dates I demand thats this account be deleted immediatley from all reports due to the inaqacuracies because this is having a major negative impact on my life attached are reports showing different information reporting to each separate agency
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CA)

( XXXX ) Request you to give me the EMail ID of XXXX XXXX is the CEO of RoundPoint Mortgage, so that I can write to him about the issue ( or ) Please forward my Complaint to XXXX XXXX is the CEO of RoundPoint Mortgage ( XXXX ) Issue : We are paying {$500.00} Every Month towards the Principal and we want the Amortization Statement taking into Account of {$500.00}, so that Our Maturity Period of the Loan Payment will reduce ( XXXX ) I have been following up with Roundpoint Mortage for the Past 4 Months ( XXXX ) And I have raised XXXX Complaints with CFPB. 
( XXXX ) Who will educate Roundpoint Mortgage to give Amortization Statement the way it has to be given, taking into account of Any Additional Payments towards the Principal. 
( XXXX ) Roundpoint does not understand this. 
( XXXX ) Please see their attached reply, which says to call them. But for the Past 4 Months struggling to make them understand what Amortization Statement means ( XXXX ) As a Consumer Financial Organization, CFPB, should help me in this regard and at least this time, my Request is fulfilled
Consumer complaint received 2024-07-25
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: Resurgent Capital Services L.P. (NJ)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Moreover, they didn't follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank closed all of my Credit Card accounts... XXXX were business cards and XXXX was a personal XXXX XXXX. This concern and issue is on personal Card in which I was assessed a fee, I paid a fee and the Account was closed by the Bank ( no reason given when I called to inquire ). All they said was it is Bank Policy and we can not share any additional details. 

The Bank charged a {$550.00} annual fee for this XXXX XXXX in XX/XX/2023 and XXXX months later closed this account without a reason ... and they kept the full fee! 

How is this right and legal? Open a card, charge a fee, the fee is paid in full by the customer, and then you close the account a few months later and keep the full fee. Sounds like a dishonest business model. 

Can a Bank charge and collect a credit card annual fee and then close the Account a few months later ( with no reason given aside from the fact that they can do whatever they want to ) ... and keep the full annual fee? 

This needs a CFPB review ... and JPMC Chase should be required to process at least a partial refund of card fees paid. My credit card was not delinquent, I had a XXXX balance, and my XXXX score is XXXX. And I never have had a late payment with Chase ( or anyone else ). Ever! 

I have called the Bank several times in good faith... and their team is not helpful in resolving the situation. 

Hence my turn to the CFPB process.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been a victim of having my information released to the public via the XXXX Data Breach as well as the Transunion Data Breach. As a result to this, I have a number of unauthorized accounts and inquiries listed on my credit reports that I did not consent to. They do not belong to me and I don't have any contracts with any of the companies listed. this is really hurting my chances at getting a mortgage. My reputation with the banking system is not in good standing right now because of accounts on my account that weren't authorized that need to be removed immediately. I already tried sending in my disputes more than 30 days ago, but my disputes were ignored.
Consumer complaint received 2023-12-13
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. (TN)

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. 

has violated my rights. Or a list of inquiries : 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 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have made several attempts to remove a security freeze that I initially placed with Experians Clarity Services. Clarity services has repeatidly refused to remove the security freeze even after I provided them with the current and accurate PIN that they provided to me.

Clarity Services continues to state they need me to send them a copy of my Social Security Card, wwhich is personal and confidential and they have already verified this information which enabled them to place the freeze and issue a PIN.

Claritys actions has caused numerous credit applications to be denied due to thier refusal to remove the freeze as requested.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK (NY)

In XX/XX/XXXX there was a judgement issued against me for not paying on the credit card balance. Prior to this I had reached out to the company many times to make arrangements to pay a lower amount until I was back to work. I was out of work for 4 1/2 months due to injury. The company refused to work with me and then sued me. I was never notified of the suit nor the judgement. I filed for bankruptcy in XXXX of XXXX and the card company was notified at this time of the discharge to this account. At that time there was no judgements showing as my lawyer at the time has confirmed for me. Because it was not showing, no additional paperwork was filed by my lawyer at the time of my bankruptcy. I am now trying to refinance my house and get a new title as part of my divorce requirements. The title company found that due to this suit there is a lien on my house. I reached out to Discover on XX/XX/XXXX through email as instructed. I was told it would take up to 2 weeks to have the Satisfaction of Judgement done. I have called almost every day to get an update and each time I am told there is no update, no one I can speak to such as a supervisor, and no time frame as to when this will be resolved. I reached out to the law firm who filed the suit and was told they no longer represent Discover, even though Discover has told me it is up to the law firm to file. At this point I have requested multiple call backs from a supervisor and have yet to hear from anyone and the Satisfaction of Judgement still has not been filed.
Consumer complaint received 2023-12-13
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. (DC)

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. 

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 has violated my rights. Or a list of inquiries : 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 2023-12-13
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. (MI)

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. 

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 has violated my rights. Or a list of inquiries : 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Received an alert that there may be fraud or bad information on my credit report. Attempted to file a dispute with the company.

The companies web site would not let me log on to account.

Tried to report technical problems but can't do it through the web site.

Attempted to call the company at the number provided.

Could not get past the limited computer generated options to speak to a person, report the suspicious activity, or receive technical support.

I spent over two hours trying different ways to speak to someone at this company to with no success.

This is very frustrating!!!!!!!! 
This is the worst customer service I have ever dealt with.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

On XX/XX/year> I had a XXXX deposit from our renters insurance that I am listed on. The deposit was the second deposit made from this company and the first one I spent fine with no issue. I woke up on the XXXX to my account being restricted. I called and the were extremely rude and unhelpful. They stated I violated the terms of use. And my account would be closed. I asked if I could send documents verifying the deposit or anything they said no and treated me like I was a scamming their. They said it's because the deposit is in my XXXX XXXX  name. She is the policy holder but I am listed as well in the policy. I tried letting them speak to her which they did not want to do. I called three separate times trying to rectify the situation with no help or care. And now we will be left XXXX and my account will be closed for my social security check at the beginning of the month. I asked for the transcripts or recordings of phone calls because it seemed very shady and they would not give me that either. They will not let me speak to anyone else or get any timeline they just say the decision is final. That money is from my home getting XXXX XXXX XXXX XXXX and they do not care because they act like I stole the money even though they spoke to my XXXX. They will not let me speak to the investigation team or give me any information. My XXXX has been a joint account holder before on the account too and they don't care.
Consumer complaint received 2023-12-13
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: Experian Information Solutions Inc. (TX)

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 2023-11-03
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX  fraudulent account It was removed from my credit an added back an it's affecting my credit score my score dropped XXXX points because they added a fraudulent account back to my credit after deleting it an by law this can't happen
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity theft and I have been trying to dispute accounts that are fraudulent. The disputes are not being processed correctly according to the FCRA and I am not getting copies of the verification process That I am requesting. The FTC report I filed is not being attached to my disputes.
Consumer complaint received 2024-05-24
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. (NJ)

I am writing to express my concern and dissatisfaction regarding the unresolved negative accounts on my credit report. Despite my previous communications, there has been no resolution or verification of the items in question.
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NVR INC. (NY)

I signed a contract with XXXX XXXX to purchase a house, at XXXXXXXX XXXX on XX/XX/XXXX and paid {$24000.00} deposit to their affiliate NVR mortgage. Despite sending all the documents to XXXX momentarily upon asking, even sent multiple document multiple times because XXXX claimed they lost it. 

I signed a contract with them to purchase home because my base is at XXXX XXXX and I'm an XXXX XXXX XXXX, XXXX ID XXXX. 

Upon starting at my position since XX/XX/XXXX, as of today I commute twice every week from my resident at XXXXXXXX XXXX. The process started in XXXX, XXXX, XXXX and still XXXX didn't give me a decision, neither approved, nor denied the loan. And if I want to come out of the contract they'll keep the deposit of {$24000.00}. 

From XXXXXXXX XXXX to XXXX XXXX XXXX is almost XXXX miles and I need to travel twice a week as XXXX requirement. However, it's become extremely difficult for me to commute such distance. It's risky XXXX XXXX, also draining in terms of health and finance. 

Few months ago my car stalled in the middle of highway in XXXX because it's a XXXX XXXX XXXX car. Since I'm in a house purchase contract, NVR prohibited me to get into any more debt. So I can not purchase a car either. However, it's also urgent for me to get a car at this point to commute to XXXX XXXX. 

In addition, I informed my apartment in XXXX so far XXXX times my move out date as NVR said that they'll close on XX/XX/XXXX, then XX/XX/XXXX, Then XX/XX/XXXX, then XX/XX/XXXX, then they gave XX/XX/XXXX as closing date but later on cancelled the closing date. 

Now, the locked rate expired on XX/XX/XXXX and NVR is making me pay extra money to extend the rate but I have been warning them that locked rate is expiring and they need to expedite the process. NVR have been negligent in every step, for example : XXXX loosing document that I emailed XXXX. Asking for same document multiple times XXXX. Asking about a document that has been emailed months ago XXXX emailed them a document on XX/XX/XXXX, they asked me to sign it and send back on XXXX week of XXXX, why?? 
- I asked them explanation why documents been lost, no explanation provided XXXX requested them for POC for Gov. correspondence, no reply provided NVR has everything from me as they requested since XX/XX/XXXX and still no resolution. 

I'm almost at a point of leaving my federal career if this continues because I can not afford this anymore, the commute, time, money spend, and the stress of XXXX XXXX. Working for my country has been my dream but NVR is causing trouble in a great deal.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$6700.00} ; ( Original Creditor : XXXX XXXX ). 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 receipt.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AZ)

On XX/XX/year> I was contacted by Marcus by Goldman Sachs regarding a transfer I made from my Marcus savings account to my XXXX  savings account. I authorized the transaction, but received no explanation of why I was being contacted. I made plenty of transfers in the past completely online and without need for any kind of additional verification or inconvenience, which was never explained to me. I only got a phone call for a transfer that I had made without explanation as to why I got the call. On XX/XX/year> I got an email from XXXX  saying the transaction was reversed even though I had already authorized a transaction yesterday by phone with Marcus. I then spend over 17 minutes with Marcus reverifying information I already verified the previous day and then had to verify it with three more people just to find out that I could not make the transfer to XXXX  but I could to XXXX. I asked for explanation none was given. As a result, my time was wasted by this unprofessional financial institution, I suffered loss of financial interest, and much frustration.