davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (TX)

Ive been trying to fix my reasons Jp Morgan chase bank did not pay the insurance in XX/XX/XXXX. In XXXX I finally got the insurance company to give me the electronic invoice. That was sent to chase bank. I was not aware of this coverage and Ive been trying to get to the reason and why was was it not enough for my home snd my upgrade and money was not covered I had to pay out of pocket and I believe the attorney and agent were working together to keep my home end my partner retirement account she worked 29 yrs. And now shes homeless and her money is gone. And she was a XXXX XXXX needed a few credits. She was having problems with the teacher and shes was complaining on the teacher of abuses : My brother was my realtor and the application snd loan do not look like mine and I believe you have copies. I was left with out insurance and the lender started forclosure in XX/XX/XXXX. I paid XXXX with in two months with XXXX  and its been like this since. My family are attorney and they i approve of my relationship. I ve always always took care my self til I meet XXXX in XXXX. I really feel for her cause she s been through a lot snd she does believes what they say and want her gone far away. I did not speak to my family for years after my XXXX and they things they were saying and doc not support or I did not know til doctor told me and my sister XXXX. Im in foreclosure and sales on the 5 of XXXX. I believe that the servicer believes the false documents. And dont even know were they came from.
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc. (NY)

I am having issues with my property taxes and a couple of typographical errors in the closing documents. I am hoping you could help. I have been going back and forth with the loan servicer and they have changed multiple times. But in essence they are charging me for property taxes that are not part of XXXX XXXX XXXX XXXX. The only lots they are suppose to charge is parcel XXXX and XXXX but they are charging me for a few more lots including and they sent money to them last year and this year. They said they can not help me with last year 's payments because they just switched to the new servicer, but they can only help me with this years. The problem is that this has now increased my payments by {$2700.00} per month over the last two years. I don't know why they are paying additional taxes and not just this property 's tax. 

XXXX shows that the seller paid the taxes as follows : XXXX  XXXX for XXXX XXXX  {$4000.00} XXXX XXXX for XX/XX/XXXX XX/XX/XXXX {$750.00} So they should have been paid through XX/XX/XXXXXXXX  for both of these lots. 

The title work the closing attorney provided to the lender shows that the properties were insuring had the following tax identification numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX However, my mortgage company is charging me for property taxes of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have no idea why they did this. 

I have attached title commitment and recorded deed of trust showing that they were only supposed to charge and pay for the properties at XXXX XXXX XXXX. 

They did not get a lien on the other two lots.
Consumer complaint received 2023-04-28
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: Southwest Credit Systems, L.P. (TX)

XX/XX/2023 I filed a dispute with the company due to me trying to pay this bill when I lived at the complex but I did not Receive the money I was suppose to get from the rent relief program in Mississippi as I was suppose to ..I sent multiple messages to the rent relief reps with no help at all for the situation so I had to leave the complex I can not find a home due to this being on my credit now and its not fair that I have to pay all of this at once in order for it to come off of my credit so due to this Im XXXX I received no letters about being in collection I just recently found out when I tried to apply for a complex and was denied due to this
Consumer complaint received 2024-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: DIGITAL FEDERAL CREDIT UNION (WA)

Hello, I have a XXXX open with DCU Mortgage. 
The XXXX has a limit of XXXX. 
I have taken out XXXX as of today. 
I am looking to pay XXXX back to reduce the loan balance. 
I am trying to pay this amount through electronic funds transfer without having to pay for the wire fee at DCU and at my originating Bank.

I had requested DCU to give me a one time exemption to increase the Online transfer limits to XXXX. 
They are refusing to do this and forcing me to Wire the funds. By refusing to do this they are forcing me to pay additional interest by not giving me a pathway to transfer funds and are also forcing me to wire the funds which means I will incur Wire Fee from my external bank as well as DCU. 
Are they allowed to force to wire the funds only? 
I have attached their email denying the exemption. 

Thanks, XXXX
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act the accounts below have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX and account XXXX had violated my rights. 
15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the info is accurate.

The open dates for these accounts are different across the three bureaus. Also it seems that this company has reported this dance debt as new a few times. I have this same account for the same amount with the same hospital on my credit report reported again as new this month. That account number is XXXX. One of the accounts that I'm disputing above was supposed to be off my report next year. The account These inaccuracies are doing me from buying a home for my family.
Consumer complaint received 2024-04-24
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

i paid for a service with XXXX XXXX American Express.The service what i got from the merchant was not satisfactory but Amex could not help.They said the money has been transferred through XXXX and they can not file a dispute at all.I have to contact XXXX.
Consumer complaint received 2024-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Village Capital & Investment LLC (TX)

I lost my job and been having a hard time making my mortgage payment and got a new job and trying to get back on track with my mortgage company but they are pyramiding late fees on my mortgage which is highly illegal and charging me inspections fees on my home that no one every came out and did as I have camera all around my home at every angle and no one showed up on XX/XX/2023 at all for the XXXX dollar inspection fee. I need this removed and waived as I didn't ask for or need an inspection on my home which is illegal as I have to agree to pay that fee as well and they have to ask me. 

Furthermore, they are charging me XXXX late fees per month which is called late fee pyramiding which is highly illegal they are charging me a Default related fee in the amount if XXXX per month plus late fees in the amount of XXXX per month which is a violation of us law and called late fee pryamiding and is highly illegal. They have Lastly they been trying to increase my mortgage payment stating an escrow shortgage which is false because our taxes went down so someone at their company is laudering money and falsely increasing my mortgage payment for no reason at all as there was never a shortgage in my escrow account. I don't agree to pay a higher monthly payment at all and they have no right to increase my mortgage payment for no reason at all and violation of usa consumer code They also have a seprate inspection fee so they are charging me essentiall XXXX late fees as they are stated the default fee is for an inspection that they never came out to my home and did and I didn't call or authorize.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My ex husband fraudulently used my social security to obtain a loan from USAA ENDING in XXXX act # XXXX I did not authorize this loan or co sign. I would like this matter removed from my credit report including all late payments, collection account from USAA and XXXX XXXX XXXX XXXX removed from my credit report. I was recently made aware when I recently pulled my credit and was Denied a loan.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

In XXXX XXXX, I noticed that I had started receiving some charges associated with my Checking Account. I called Wells Fargo and they explained that they had monthly fees associated with accounts that did not meet certain requirements. As this was news to me, they were willing to offer a refund and promised me that I would not see new charges for the current month. 

I did not notice until recently that I actually had been charged anyway, and for an additional month afterward, even though I had made changes to meet the fee exemption requirements. I contacted them today ( XXXX XXXX ) and was told that they would be unable to refund me for the charges they had previously promised I would not receive because it had been longer than 180 days since the charges had occurred. 

I don't think it's right that a company can get away with wrongful charges because of a self-defined limit on the timeframe in which things can be made right.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

on XX/XX/24, my roommate transferred funds to my VENMO account, which should take 2-3 days. The total amount is {$3700.00}. The next day, I received an email that an additional device was accessing my number. I replied it was not me. On XX/XX/24, I received a call from Venmo stating transaction were being made and if it was not me to press 1. It sounded legit, so I pressed 1 and a text message from Venmo stated to enter the code, which I did. Three ( 3 ) transaction totaling approx. {$110.00}, was taken from my funds. I tried to transfer the remaining amount of {$3600.00} to my bank and it was denied. I immediately contacted Venmo on the app. They froze my account because they stated it is now in dispute. I stated I requested a transfer of my funds way before the transactions/disputes. They stated my bank rejected it because the info was incorrect. I just transferred {$110.00} earlier in the week. I made no changes. The money is for my mortgage payment which is now late and is part of a 3 month payment plan. If I do not pay it, my loan goes into default. I have been asking them to release the remaining funds ( {$3600.00} ) because it has nothing to do with the {$110.00} dispute. Venmo continue to ignore my emails. I am so frustrated and very suspicious of the activity possibly initiated by Venmo staff as I know this is a large transaction. In addition, the initial emails to my personal email account was addressed to XXXX XXXX. How did they not notice the incorrect name and let someone access my account? I feel so helpless not being able to contact a live person at Venmo. I have placed a complaint on XXXX and saw similar complaints by other consumers. 

Please assist in this matter and to retrieve my funds as soon as possible. Thank you.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DC)

On XX/XX/2023 I submitted a payment for all eight ( 8 ) loan groups as part of my account totaling 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 All of the payments have been processed except for loan group AD. This payment is shown on the confirmation email that I received from Nelnet on XX/XX/2023. This amount was deducted from my bank account on XX/XX/2023, but has not been deducted from my student loans which are continuing to accrue interest daily on an incorrect amount. This is the second month in a row Nelnet has made this same mistake. It is impossible to contact the company without spending 2+ hours on the phone on hold. 

I expect immediate resolution from Nelnet, as well as a guarantee that this will not continue to happen on a monthly basis for the duration of my account.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC. (IN)

The collection company is attempting to collect a debt that was passed to collection but for some strange reason its still reporting as open which is odd.. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-01
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. (CO)

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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  Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

I called XXXX on or around the time I contracted XXXX XXXX and my job was affected. In XX/XX/XXXX I spoke with 2 different supervisors on a recorded line about the billing error and was told that if I made consistent on time payments for 6 months, they would remove my late payments. My credit report has been adversely affected by my lost of employment due to the worldwide Covid pandemic. After being assured by the management at XXXX that the erroneous late payments would be removed, I've been caught up and consistent an entire year since finding stable employment. I called XXXX today XX/XX/XXXX and The representative refused to submit my dispute for the erroneous late payments and refused to transfer me to a supervisor. ThIs information on my credit report is preventing me from purchasing a home. I would have never been in this position if i wasnt assured that the late payments would not affect me after keeping consistent payments. I feel like this is some form of extortion. If i would have known that XXXX would be this shady, i would have went to another finance company.
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00}