davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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. (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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-13
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. (MI)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (TX)

ALLY FINANCE, XXXX, XXXX Amount {$14000.00} via phone requested the following ; requested original written documentations that I gave to permit this info on my credit profile I disputed to both XXXX and XXXX 15 U.S. Code 1681 a2 specifing I did not give them permission.
Consumer complaint received 2023-09-18
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-15
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : 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, and so on.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The following companies listed below have been pulling my credit without my approval or authorization leaving me with unwanted inquiries on my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NY)

Hello Loan number with UWM XXXX I called and United Wholesale Mortgage on XX/XX/XXXX to ask why my XX/XX/XXXX mortgage state was NOT reflecting the remaining award from Gov. XXXX XXXX XXXX XXXX XXXX I was awarded. The original award was for {$9700.00} sent to UWM in XX/XX/XXXX The remaining balance is {$1300.00}. All other money was applied to the mortgage, except this remaining balance of {$1300.00}. 

My XXXX mortgage payment is XXXX so the XXXX payment should be {$1500.00}. 

The rep from UWM told me the balance was returned wired back to the state on XX/XX/XXXX. I asked why was this returned and I was told by the UWM rep - that she did not know why. I called the XXXX XXXX rep and they told me that UWM should NOT have returned the money. That the money was to be used for my mortgage and any future mortgage payments, and the XXXX an escalation has been created over 2 weeks ago. I have not heard back form the XXXX XXXX Rep. 

So I decided to follow up with the reps at UWM once again, I have called XXXX since XX/XX/XXXX. 
to no avail. All I want them to do is explain to me why the money was returned to XXXX XXXX. Since the state told me they did not request any money to be returned! 

I feel that if this was done in error it should be corrected ASAP. 

I do not want to be late on my XXXX Mortgage for XXXX. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2018-05-18
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: BARCLAYS BANK DELAWARE (AZ)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified Barclays Bank of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. An official dispute of this was mailed to Barclays Bank XX/XX/XXXX however as of this date Barclay has failed to provide an update or resolution of the investigation. This is a violation of the FCRA and my clients consumer rights.
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Midwest Credit & Collection, Inc. (IL)

This company Midwest credit & Collection has engaged in abusive, deceptive, and unfair practices that are prohibited by the FDCPA. They've reported accounts without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!
Consumer complaint received 2016-12-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CONDOR CAPITAL CORP (CT)

I took Loan out on XXXX XXXX with Condor capital to purchase a XXXX XXXX. 
It was my understanding that it was a 48-month loan, and my original Payment was {$490.00}. 
The original car was approximately {$22000.00}. I had consistently paid the {$490.00} which was approximately $ XXXX year. Earlier Last year I had a hard ship where I had missed payments, I then made payment arrangements that caused me to pay a lump sum of {$4100.00} which was supposed to be all my back payments with interest and penalties. I then went back to making monthly payments. Then I got a letter, followed by a call that the account had been transferred to XXXX XXXX, and was then said to be in arrears again. In which case I sent via XXXX XXXX {$1200.00}, thinking maybe the original issue was not totally rectified. Again went back to making monthly payments. In XXXX of this year again the company started to say I was in the arrears. However, this time I asked for a statement of account and my original contract which I have yet to receive but they came and repossessed my car XXXX/XXXX/XXXX. 
Before I pay any further I want to know that this is in fact my obligation, and I do not want it to adversely impact my credit. I also now do not have my vehicle and was told that each day they have my car I am going to incur a garage fee. 
I researched the company and see that the original company has a financial Injunction for unfair credit processes in New York. I also, believe that is why they stated they sold the contract to the second company which is now in California, but the name suggest they are clearly affiliated.
Consumer complaint received 2023-11-28
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: JPMORGAN CHASE & CO. (NJ)

-I reached out in XX/XX/XXXX to remove my escrow account, Chase responded on XX/XX/XXXX that it would be removed effective XX/XX/XXXX. 
XXXX I reached out as the escrow account was still visible. I stated I needed clarification as my next payment ( autodebit ) was due on XXXX and I needed to know what my payment would be. Chase responded saying it would be the mortgage including Escrow, but that the extra for escrow portion of my payment would be in my escrow refund check.

-I am then told in another message on the same date, that although the effective date of escrow removal is XX/XX/XXXX, it can take another 5 business days to take effect. This means it isn't really effective on XX/XX/XXXX, Chase is just pretending. 
-On XXXX, I reach out AGAIN to Chase, as they applied the escrow portion of that payment as extra principle. Chase decided on it's own, even after confirming with me it would be returned, that that the escrow closure did in fact process and that this was an extra payment. 
-Chase escalated this and then responded. They agreed to refund the extra principle payment. They then put it entirely on me, stating extra money first goes to principle. The problem is that this wasn't extra money, this was money that Chase 's own employees promised me would be refunded. Instead, I had to go through all of these extra hoops. Chase needs to be responsible for what their employees state and be truthful about how these processes work. Just because Chase is a multibillion dollar company doesn't mean that they can make up their own rules/change things at their leisure. As I have received this money back at this time, this complaint is to place this in the public record, and to ensure the CFPB has another instance of Chase just " doing whatever it wants '' in regards to consumers. Whether any laws were broken, I am not sure. However, Chase actively did not do what they said they would do in writing, and I had to spend lots of time and effort to get them to fix it. 

This is a part of the final response I received from Chase : " We apologize for any confusion and inconvenience caused by the prior communication regarding your automatic payment refund. Please be assured that we will address this matter internally. ''
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Trying for weeks to make a payment for my mortgage. No luck on hold cell phone for more than an hour the same run around. They're saying that they Ransomware breach in system .And don't have my Mortgage information to process payments. But they do say that they're not reporting 30 days late no late fees or report to the credit bureau.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

I deposited a check totaling {$8000.00} into a PNC Checking Account on XX/XX/2023. The receipt that I have from the transaction has a " Business Date '' and " Calendar Date '' of " XX/XX/2023 '', implying that I would have immediate access to the funds. I attempted to use the funds yesterday ( XX/XX/2023 ), resulting in an overdraft. PNC shows a " ledger balance '' reflecting the {$8000.00}, but the " available balance '' does not. It has been this way for XXXX business days now, and I do not know why. 

The funds have disappeared from the source account- and I'm not allowed access to them in my PNC checking account. I am trying to find time to go to a physical PNC branch, but it requires taking time off of work. I really need these funds to pay bills and it should not be permissible for PNC to hold my money like this with no warning or explanation.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I received a copy of my most recent credit report and there are inquires from several companies I did not initiate, request and/or conduct any business with these companies. XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP (IL)

I submitted a police report about an incident that happened with my debit card it has been past 10 business days I was told I was supposed to receive a provisional credit my account is currently in the negative I havent received any provisional credit and my case is still Open even though I send a replace report in every police report number to resolve the situation and I still havent received my funds
Consumer complaint received 2023-11-28
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I won my appeal recently so my Bank of America card isn't working g so I contact Bank of America, the lady I spoke to told me that my account was closed with them that I should contact XXXX, I contact XXXX and they told me the problem is with BOA, i keep going in circle with XXXX and BOA, I need your help regarding this as I'm about to be homeless.
Consumer complaint received 2023-11-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (NC)

Subject : Dispute of Inaccurate Collection Account Information Dear Sir/Madam, I am writing to dispute the accuracy of the collection account information that has been reported by XXXX XXXX  . The details of the account are as follows : Account Name : XXXX XXXX  Account Number : XXXX XXXX Reported Date : XX/XX/XXXX Current Balance : {$6100.00} Account Status : Closed Date Opened : XXXX XXXX, XXXX Last Reported : XX/XX/XXXX Payment Status : Collection Monthly Payment : {$0.00} Account Type : Other Past Due : {$0.00} Responsibility : Individual Times 30/60/90 Days Late : 0/0/0 Term Duration Months : 0 I would like to bring to your attention the following inaccuracies in the reported information : 1. The account is listed as " Closed '' on XXXX and XXXX, but it is reported as " Open '' on XXXX. This inconsistency raises concerns about the accuracy and reliability of the information provided. 

2. The reported balance of {$6100.00} is incorrect. I have never had any financial dealings with XXXX XXXX, and therefore, I dispute the validity of this debt. 

3. The payment history data is not available for payments from more than 2 years ago. This lack of information makes it difficult for me to verify the accuracy of the reported collection account. 

I request that you investigate these discrepancies and take appropriate action to rectify the inaccuracies in my credit report. As per the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and resolution to this matter within 30 days. 

Please provide me with a written confirmation of the investigation 's progress and the actions taken to correct the inaccuracies. Additionally, I request that you inform me of any changes made to my credit report as a result of this Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and resolve this dispute in a fair and timely manner. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

Began to make a mortgage payment online beginning XXXX XX/XX/2023. Unable to log on for several days straight. Finally found out XXXX 's computers are shut down due to an security problem. I called them on XXXX XX/XX/XXXX  and obtained this information. They said there is no way to make a payment with the exception of sending the payment through the USPS. I am away from my home area and have no checkbook with me and my bank has no branches here plus USPS takes weeks to deliver mail. N way to pay my monthly payment on time now. The company escalated my issue and promised a call back by XXXX XXXX  but didn't call me. I just called them again and was told to not send any payment to them as it most likely will not be processed anyway. I was told to call back next week.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (CA)

I need to resubmit this complaint to NR/SMS/XXXX. I have communicated with them about the inaccuracies on my credit report, including discrepancies in the dates of the last movement, dates opened, dates detailed, and installment status. Despite their assurance of conducting a thorough investigation, more than 30 days have passed, and upon checking my credit report, I see no changes and no corrective actions have been taken. My rights have been overlooked on multiple occasions. 
According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Part 2 stipulates that a consumer reporting agency can not furnish a report without my written instruction. To formally address this issue, I filed an FTC report with the report number XXXX.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I have been a client of Wells Fargo for 30 years. I started a business at XXXX XXXX XXXX. When I applied for and was authorized for a loan within the Covid-19 relief program for small businesses affected by Covid-19, they promised the loan yet never delivered causing substantial losses to myself and business not limited to inability to rehire employees or carry normal operations. When I asked a branch member their perspective they stated that I was not taking care of myself due to my XXXX XXXX. As a woman and a person who identifies as someone with a XXXX, this was unacceptable given they had an obligation to support small businesses. Instead, they forced me to use a high interest credit card rather than grant me the forgivable 1 % loan that I was entitled to for my business expenses. 

They have been unwilling to negotiate a reasonable resolution despite ongoing attempts.
Consumer complaint received 2017-04-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (GA)

While checking my Chase Business Account from my mobile device I notice an unauthorized check had cleared my account # XXXX for {$1200.00}. 
I called the Chase fraud line to report the fraud. The agent ask a series of questions that included looking through my check book for the check number # XXXX. 
I notice that number was towards the end of my check book and discovered XXXX checks were torn from my check book. # XXXX and # XXXX. 
I immediately placed a stop payment on the check that had not cleared my account # XXXX and closed that account and opened another account. I was given an investigation number When opening my new account I inquired about the investigation and was told it was on-going and a credit would be issued to my account after the investigation. 
Upon waiting about 10 days I received a denial to my claim in the mail. 
I did not understand what had happen therefore I spoke with the Branch manager where I opened my account. She informed me the issue had been escalated and it was denied from the executive branch. 
After exhausting all efforts to recover my money from Chase, I decided to pursue Law enforcement actions for this obvious fraud. 
I went to the Police Department to open a case. I opened the case on XX/XX/2017, case # XXXX with Investigator XXXX I called the XXXX Police department several times to check the case status, sent the investigator an email but have not been contacted at all by the investigator as of XX/XX/2017. 
I received your contact information from my local news channel. The news agent is XXXX XXXX, and he has a consumer phone number. That information lead me to the CFPB. 
A few other facts : My check book was securely positioned in my zipped computer briefcase and placed under my desk at work. I live alone, therefore no one at my home could have taken the checks. The bank ( CHASE ) claimed they denied the claim because I should have keep my checks in a lock box. I asked to see that in writing but they would not or did not have this for my viewing. I printed an image of the fraudulent check and it was clearly not my signature nor handwriting. Also I have no idea who the payee is ; seems like XXXX names on the check. The bank would not let me know the check deposit location or if it was cashed at a Chase bank.
Consumer complaint received 2023-09-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

Notice to principal in Notice To Agent and Notice to Agent is Notice to Principal Account Name : National Credit Systems Account XXXX Notice to Dispute Debt I dispute and debt your company claim to have on me. 
You must stop all collection activities. My demands are : For you provide me with the audit trail : Account File Ledger All accounting documents The transactional history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account immediately. 

If your fail to communicate to the consumer reporting agencies that this debt is in DISPUTE, that would be a violation Pursuant 15 usc 1692e8 False or misleading.

This law is very clear as to the Civil liability and the remedy available to me, according to 15 usc 1692k. Furthermore, failure to honor this requested DEMAND will lead to fully intend on pursing litigation in this matter suing your company for actual damages sustained. 
Please be aware that freezing this account is not an update to my credit report. 

Thank you for giving this letter your prompted attention.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

I have spoken to XXXX XXXX XXXX and XXXX, Given my permission to talf to my Daughter at least 15X 's. XXXX insists there is no such charge, Bank is Harassing me. 
I need help! Thank you, XXXX