davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

Facts regarding Chase Bank improperly closing an attorney/client trust account. 

I called XXXX XXXX at Chase Bank 's XXXX XXXX XXXX in XXXX, XXXX  on XX/XX/XXXX, requesting the routing number and XXXX XXXX for my client trust account that I opened with Chase in XXXX. This account is XXXX I am required to have by the Colorado Supreme Court rules and XXXX which is exempt from fees for opening because it is mandatory for my profession. In Colorado, these types of accounts are called XXXX XXXX accounts ( XXXX  XXXX XXXX Account XXXX ). You can read more about it here : XXXX : XXXX I called XXXX XXXX a second XXXX on XX/XX/XXXX because I have an international client that wanted to make a retainer deposit, which requires I use my Coltaf account at Chase. 
XXXX days later, on XX/XX/XXXX, XXXX XXXX found the time to return my call and provided the information I requested. But when asked to pull up my account to confirm the account number, he could not locate it. So I emailed him the account information I was given when I opened the account and which is attached. 
Later today XXXX XXXX called to explain that Chase had closed the account. He had no explanation for why. Chase has never once contacted me to tell me the account would be closed. As a result, for at least XXXX years I have been representing to the Colorado Supreme Court that I maintain a client trust account at Chase, which I genuinely believed I did, when apparently - thanks to Chase 's crack customer service team- I do not. 
I asked XXXX XXXX to re-open it. He said he could not. I asked him to open a new one, and he asked if I had a copy of the trust agreement, which tells me XXXX XXXX has absolutely no idea what a XXXX trust account is. 
I would like the account re-opened please. Chase has no legal right to close a client trust account of a licensed attorney without notifying the attorney. 
Thanks, XXXX XXXX ( XXXX )
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (LA)

OnXX/XX/XXXX{$150.00} was taken out of my account unauthorized. OnXX/XX/XXXX I called the customer care center of my bank to dispute the charge, on that date the dispute resolution department opened an investigation. On XX/XX/XXXX they issued me a provisional credit in the amount of {$150.00} pending the outcome of the investigation they told me the provisional credit may be reversed. On XX/XX/XXXX without any notice they reversed the provisional credit of {$150.00}, so on XX/XX/XXXX when my direct deposit came in and I checked my account that's when I noticed they had reversed the provisional credit of {$150.00}. So not knowing they were going to do that, much to my surprise I was less the {$150.00} from my SSI direct deposit. So I called them immediately to find out why. I was told they had that right, that at any time if they decided to reverse it they could. I asked why I wasn't notified and also why would they reverse it just 12 days before the investigation was through.They would not say why and when I asked to speak to a supervisor they hung up on me. Then onXX/XX/XXXX I received a letter from them stating that on XX/XX/XXXX the investigation had ended and they closed the case in my favor. Then it went onto say that the provisional credit they issued me on XX/XX/XXXX would remain as a permanent credit on my account. So on SaturdayXX/XX/XXXX I called them and explained all of this to them. I told them that they are saying the credit will remain permanent but they had already taken the credit out, therefore they needed to reverse it and put the funds back into my account. Well needless to say they put me on hold and never got back to me. So again today, XX/XX/XXXX I called them again and pretty much the same thing happened. When I asked to please talk to a supervisor who could help me and explain to me what is going on, because as they know I am XXXX and live on my social security checks so that {$150.00} that they took out on XX/XX/XXXX came out of my check on the XX/XX/XXXX and I needed to talk to someone to find out what was going on because I live payday to payday. Well once again she interrupted me and said hold on and I was disconnected. I called back and it took me 3 tries before I could talk to someone and they hung up on me also. 
So then I called consumer finance and the lady gave me the website to y'all and here I am. 
I do have both letters stating everything I have told you as well as bank statements showing where the money was taken out and then the credit issued and then where it was reversed as well. Along with phone call logs with the dates and times of each call. 
So please any help I can get would be greatly appreciated.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

My loan was transferred from XXXX XXXX XXXX on XXXX XXXX 2015 to nationstar mortgage. I sent A payment in to nationstar in the amount of XXXX which they received on XXXX XXXX 2015, they never posted it to my acct untill XXXX/XXXX/2015. My loan was paid in full due to sale of my house on XXXX XXXX 2015 .and the payoff did n't refeflect the XXXX payments I had to pay more at closing. My complaint is I have n't recieved that XXXX that was supose be to refunded to me as of today XXXX/XXXX/15.
Consumer complaint received 2023-11-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (TX)

On XX/XX/2023 I checked the XXXX XXXX XXXX XXXX website regarding requalification for XXXX XXXX  assistance. Within my account was a notation stating that the XXXX XXXX XXXX XXXX was waiting on a response from XXXX. I reached out to Flagstar on XX/XX/2023 to inquire about Flagstar 's response. The customer service rep. Indicated she would " escalate '' it to the appropriate department. I'm not sure there was an escalation. 

In the pre-recorded message prior to speaking with a XXXX, it clearly states that I would have to choose which assistance I would prefer or want..As stated on the XX/XX/2023 call as well as in my previous complaint and many times verbally and now again here : I CHOOSE XXXX XXXX FUNDING OVER ANY OTHER TYPES OF ASSISTANCE. 

If I do not qualify, which will not be determined until after XXXX responds, then I will choose the partial claim. Attached is a screenshot of message left by the XXXX XXXX XXXX XXXXXXXX on my account indicating the need for XXXX to respond.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Kohl 's is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by Kohls/Capital One account number XXXX was received from IRS. Kohl 's is inaccurate reporting income a certificate of indebtedness to my consumer report. I know it is the Trustee responsibility to discharge please make sure that it is done. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX XXXX # last four digits # XXXX XXXX XXXX XXXX XXXX KY XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

In cfpb complaint XXXX I reported making timely payments on my Truist mortgage. They answered the complaint by saying my timely payments were applied to principal, and they were going to leave derogatory reporting against my credit. Please review this illegal practice. My online account where these payments were made were set up and established in their branch by their own assistant manager. She even made the XXXX payment for me!
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In cfpb complaint XXXX I reported making timely payments on my XXXX mortgage. They answered the complaint by saying my timely payments were applied to principal, and they were going to leave derogatory reporting against my credit. Please review this illegal practice. My online account where these payments were made were set up and established in their branch by their own assistant manager. She even made the XXXX payment for me!
Consumer complaint received 2023-09-07
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. (NC)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

In XXXX, I had opened a credit card with XXXX XXXXXXXX XXXX XXXXXXXX, Account # XXXX, opened on XX/XX/XXXX. The Account type on my credit report shows a revolving balance and closed account, however this is now over 7 years old, almost 8 years old, and is past the statute of the state it was opened in XXXX XXXX, it is over in XXXX  and where i currently live in XXXX. 

After working with XXXX XXXX over the past year, sending dispute letters and still seeing this on my credit report, I would like this removed immediately from my credit report on XXXX, Equifax and XXXX, ( all 3 major credit bureaus ). 

This is not legal, and i really appreciate your help. The current balance shows {$5900.00}, with a credit limit of {$5000.00}. 

My SSN # is XXXX DOB XX/XX/XXXX Mailing Address : XXXX XXXX XXXXXXXX XXXX   XXXX, XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-11-13
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. (OH)

I have been a victim of XXXX XXXX in the past and noticed a few accounts listed on my credit report that did not belong to me and were unauthorized. I don't have a contract with XXXX XXXX and did not consent to them having any of my personal information. Not only is this account fraudulent but it is also inaccurate, invalid, and incomplete and an unauthorized. These accounts are ruining my life and my reputation with the banking system. I need these accounts removed immediately. I have been getting denied for a mortgage and I really need this for myself and my family.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (CA)

I applied for a Recast with my lender-XXXX. I received confirmation with instructions on XX/XX/2018. I wired {$200000.00} to XXXX  along with completed documents on XX/XX/2018. The deadline was XX/XX/2018. My objective was to lower my mortgage payments from {$2100.00} to {$1100.00} to allow me to stay in my home ( husband died of a XXXX XXXX and I am unable to work due to an XXXX of my XXXX XXXX   ). I received a letter on dated XX/XX/2018 on approx. XX/XX/2018 stating my loan had been transferred to XXXX XXXX/XXXX XXXX. I am being told I need to restart the Recast process with no guarantee they will comply.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023 I submitted a dispute for and investigation on the reporting of XXXX XXXX XXXX. As of XX/XX/XXXX I havent recieved any updates about my dispute. Its been 60 days. 15 USC 1681i-a states that a consumer reporting agency must do an investigation or delete item by the end of 30 days.
Consumer complaint received 2023-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Cascade CISS Holdings, LLC (GA)

I have been a victim of XXXX XXXX and someone has been running around trying to obtain credit form these companies. 

Dispute this Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XACTUS Dispute this Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XACTUS, LLC Dispute this Address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  9XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Braviant Holdings, LLC (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section XXXX of title XXXX Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2023-07-10
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. (AZ)

I am writing to formally dispute the validity of one collection account listed on my credit report, which were reported by XXXXXXXX XXXX  ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state. 
Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Consumer complaint received 2023-11-13
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. (GA)

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 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 2023-11-14
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Consumer complaint received 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC. (TX)

Someone used my Information to open a Carloan with Santander some years ago Ive been going back and forth with them and the Credit Bureaus showing this isnt me and they are still saying its me and keeping this on my Credit report Ive never purchased a car though them nor have I allowed anyone else to.
Consumer complaint received 2023-11-13
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (WA)

I got an email from XXXX on ( XX/XX/23 ) welcoming me. I initially thought it was just spam. Then I received a notification on my XXXX credit file about an inquiry from comenity XXXX Thankfully, I pay for a fraud service through XXXX. They assisted me in the cancelation of the application. However, I want to make a formal complaint.
Consumer complaint received 2023-11-14
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 a account without my written instructions. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

the credit bureaus failed to do a proper investigation.I still haven't received notice of investigation listed at my proper address 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party