davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CO)

My Insurance company sent me a check for disaster repairs from storm damages. The check was made out to myself as well as needing endorsement from the mortgage company. The check was very clearly labeled as " For deposit only onto actt XXXX  ''. My checking account. The mortgage company decided to seize the deposits and hold them from me in their account stating that it's because the loan was delinquent. At the time I sent them the check for endorsement, my mortgage was paid in full and not delinquent. They just decided to steal my insurance payment.
Consumer complaint received 2023-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (TX)

I get repeated calls constantly. It was your usual Robo calling. We finally decide to call them back and request they not to call any longer. We ask why they keep calling and was told of someones debt. I told her no purchase had ever been made by us and to please remove our telephone number. She hung up the phone! I then called back and a different person answered. I was told she would remove my number ; and of course we keep receipts the calls.
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (GA)

I enrolled for the Chase Sapphire Preferred card from JPMorgan Chase & Co during XXXX XXXX  on XX/XX/XXXXXXXX  because I wanted to use it for XXXX XXXX  deals by adding the card to XXXX XXXX instantly as this was a possibility. Additionally, this was done keeping in mind that it would also help me spend {$4000.00} and obtain XXXX points. However, my card kept declining for random reasons and I had to always call them to help me with the transaction. I called them a ton of times for my purchases with XXXX and XXXX XXXX XXXX. And now my transactions are failing with XXXX and XXXX. For this reason, I called them again and they transferred me to their fraud team for verification, the agent said I would receive a call to verify my phone number. I didn't receive a single call and I also provided my friend 's phone number for the call but it didn't work there as well. This agent said repeatedly that the verification failed despite neither of the numbers receiving any calls and asked me to hang up and dial their number again. On calling again the new agent said my account has gone into verification and it would take 24/48 hours for the same. Basically, they weren't helpful at all, and if this were the issue I feel they shouldn't have approved me in the first place. I even asked for visibility into the escalation/ticket for which she said they wouldn't send any mail regarding the same and I would receive a call. No resolution or help was provided whatsoever and this is super deceiving and disappointing from such a reputed organization. I feel if their basic systems can't keep up with customers ' needs, especially during such critical times they should have blackout dates to apply for a card or be flexible with their introductory policy. With the amount of time I have spent on calls and the deals of things I wanted I have lost this has taken a toll on my mental peace and I am feeling extremely anxious and sad.
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be reported on my credit report. 

Account Name : Capital One Auto Finance Account Number : XXXX Dates of Late Payments : XXXX, XXXX, XXXX, XXXX, XXXX of XXXX / XXXX, XXXX, XXXX of XXXX I say this because the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me, the consumer and any person making the report. Furthermore, I never gave any consent for these alleged transactions. 15 U.S. Code 1681a, 15 U.S. Code 1681a1, and 15 U.S. Code 1666b. 
Please reverse the late payments from my consumer report and update this account as soon as possible.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There is a public record entry that was placed on my credit report and I have been trying for over three months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get this inaccuracy rectified. This is my fourth attempt to dispute this item in which I have not received satisfactory results. 
On XX/XX/2017 I mailed a notice to TransUnion in effort to have the inaccurate item removed or for the credit bureau to produce written documentation ; in reference to how TransUnion has verified this erroneous public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives and 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. At that point, I advised the representative that I would like to cancel this dispute and they advised me that because the dispute was already sent to the courthouse, I will need to contact the court directly with my name and the case number. 
After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. 
At the point, I contacted TransUnion once again and spoke with another representative ; this time she advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question ; as a result, I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation ; therefore no 'runner ' is involved. She advised me that they use a form which is sent r to the courthouse. I asked what type of form and exactly where the form it sent as the court clerk confirmed that they do not verify any information with the bureaus. Furthermore, I asked if she could provide me with a copy of this form. TransUnion refuses to give me any physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve.
Consumer complaint received 2024-03-15
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (CO)

Freedom Mortgage company gave me advice on how to do a loan assumption following the deaths of my wife and father in law who originally owned the mortgage. I followed their advice to the letter. They said to wait for me to receive paperwork packets. They'd always send the paperwork AFTER the deadline to answer. Then I'd call and request an explanation and they'd give excuses and promise to extend the deadline to file my assumption. I was told that making payments to the loan I didn't own would NOT HELP me in the process. In the background, my wife and I were doing a loan modification to repay the forbearance due to covid. My wife passed away during the process. A year after we filed for the mortgage re structuring, they finally sent the correct paperwork to fill out. But, by then my wife had passed away. When I called the mortgage company, they said they'd send a new set of paperwork for just myself to fill out. At the same time, they were calling and mailing me to say that I was now delinquent on my loan. But my delinquency was due to their failure to provide me with the necessary paperwork in a timely manner. They then used this " delinquent debt '' to foreclose on the property unless I could make the entire arrears payment immediately. So, they extorted {$30000.00} out of me to avoid becoming homeless. Emptying my entire savings.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 I filed a dispute with Chase bank concerning my deposit of {$1600.00}. I received an error message saying were having trouble and printed out a receipt. Upon receiving the printout, I called the bank to make them aware of the error and which I provided the information off the printout and was told it will be investigated. Fast forward to XX/XX/2023 I checked my documents and letters to check the status and saw the claim was denied so I called the bank. I spoke with the first representative who told me the only way I could reopen the claim if I have the paper and I did not keep the paper because I thought once I provided the information, it would be resolved. She basically told me, theres nothing they could do without that receipt. I asked to speak with a supervisor name XXXX and he told me the same thing so I filed a complaint with XXXX.
Consumer complaint received 2023-11-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Churchill Holdings, Inc. (OR)

XXXX XXXX Churchill mortgage XXXX XXXX XXXX XXXX XXXX XXXX I as a single mother with steady income, steady household income have been denied due to not having credit scores over XXXX. For FHA loans on all government websites it clearly states these loans are specifically designed to help people like me with less than average credit scores or marks on their credit. These loans are being used for people who have higher credit and are being told all credit marks on their reports must be remedied prior to loan acceptance. If I had a perfect credit score or credit profile I would not be looking to obtain a government backed loan. No banks are offering the XXXX credit limit as disclosed as a requirement for the FHA loan, rather asking for XXXX or above. I have attempted through multiple lenders and now my family is at risk for homelessness due to the loan system. I have the ability to pay, I am currently paying and have the ability to pay all future payments. I am being told with a monthly household income of over XXXX after taxes my household does not make enough money. I feel I have been discriminated on as when working with XXXXXXXX XXXX my lender contacted my real estate agent and notified him I was unable to obtain any loan and would not be capable of obtaining any loan. This has greatly affected my ability find and secure housing for my family. If government backed loans are specifically made for lower income, lower standard individuals like myself ( single mother households ) why these loans not being provided to individuals such as myself to remedy homelessness or the chance of. Where go? Who do we turn to? Do we just accept homelessness? There has to be someone who lends based on government standards set in place rather than making their own standards and denials based on poor credit scores when clearly the minimum score has been set at XXXX. Can you please direct me.
Consumer complaint received 2024-03-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: REGIONS FINANCIAL CORPORATION (FL)

We applied for and received a {$180000.00} HELOC loan with Regions Bank for our condo home. The application required us to provide copies of our insurance on the unit as well as the 196-Unit Condo Association Master Insurance Policy . Both policies were reviewed by the loan officer, the underwriter for Regions, and we were approved for the loan. The Condo Master policy provided to Regions Bank showed that our Association had a 10 % windstorm insurance deductible. The loan was recorded on XX/XX/2024. 

A few weeks after receiving the loan in XX/XX/2024, and before we even had a chance to use the loan, on XX/XX/2024 we received an alarming threatening letter from Regions telling us our insurance was in violation of Regions insurance requirement policies because they require that the Condo Master policy windstorm deductible be no more than 5 %. The Regions notification letter states that we must have " the deductible amount adjusted to meet our requirements ( 5 % ). '' As individual owners in a large building, we, of course, have no ability to do this. Our Condo Master policy is the same as when we applied for the loan and is in effect for a year : the windstorm deductible was 10 % when we applied for the loan and is still 10 % now. 

We contacted Regions Insurance department and reiterated our position that we should not have been approved if the insurance we provided was lacking. We have asked to have this lien removed as 1 ) we have not used it because we have been told we are in violation of Region 's insurance standard, and 2 ) we can not use it because we do not want to put ourselves in legal jeopardy by using a loan in violation of the Bank 's standards. Regions says we must pay {$1300.00} to remove this loan that we can not use.
Consumer complaint received 2023-11-26
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

This company have an account as written off and I have not received an document to how they went labeling my account as charged and written off. I have requested several time that I could like to received any form that is required of them to send to me concerning the written off status on my credit report. I have requested a 1099c showing that account have been written off and report to the IRS as added income.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Transunion is intentionally keeping scores low I would suspect to keep interest rates high. 
On multiple occasions events should cause my score to go up but it goes down. For instance two account account balances decreased and score dropped XXXX points two account balances increased and score dropped XXXX points. Debt ratio is supposedly 35 % of score but I have no collections perfect payments for 3 years and my score continues to drop. My credit score was higher when there was only negative information than it is now with mostly positive all accounts current paid as agreed and my score is XXXX it was over 600 when I had collections and late payment and charge offs. Payment history is supposed to be 35 % also and mine is perfect. Debt ratio is obvious 100 % of score because mi e is at 100 % no late payments and my score continues to drop. I thought your score was to show whether you pay your bills? 
Apparently not because I make every payment on time for years and my score goes down. I would like Transunion to explain this to me. Like I said my score was higher when I never paid bills than it is now that I do. 
Also I would like transunion to be held accountable for intentionally holding scores down to keep interest rates high. I know several people who experience the same problem. I believe creditors and transunion work together to keep scores down. They shouldn't be biased and should base a score on payment history as advertised they are costing consumers billions
Consumer complaint received 2023-06-02
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. (MD)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

I have tried several times to get this bankruptcy remove from my credit report. The information is not accurate and therefore it should be removed. XXXX removed the bankruptcy from their information because they didn't verify that the information was correct and thats where the bureau. 15 USC1681a ( 4 ) states there is a need to insure that consumer reporting agency exercise their grave responsibiles with fairness impartiality, and a respect for the consumer 's right to privacy. the courthouse has said that they don't give the information to third parties. I have provided the information to all parties. Also 15 USC 1681i ( 7 ) let 's me know that you are conspiring with the CRA 's against me and my rights. 18 USC 242. Also on my credit report all three bureaus are not reporting the same thing correct. This is not fair and I would like to this information to be remove from my credit report.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America I sign up for this account called XXXX they asked for bank info and I also give them Conset  to share my info with them logging into my account and they started to charge my card XXXX to XXXX to XXXX to XXXX totaling a acount of almost XXXX I called make the report 2 months ago Bank of America claims they denied the claim cause I have a contract or I sign receipt I dont have anything signed with them Bank of America hasnt provide me with any proof the company called XXXX closed the account and I emailed them and no reply since 3 months ago and there is no info number or nothing to contact them i escalated my claim and got denied its almost 3 months ago claim Id XXXX got denied 2 times with no explanation or proof of anything just said I had a contract with them sign I never did never authorized all those transactions
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citibank all of a sudden closed my Checking Account for Fraud then from that point on C.S. Reps hung up on me, I couldn't get online access, they even told the Branch not to give out any information. I still have over {$1300.00}. in the account that was secretly told to me by my Branch Manager and that was XXXX yr ago and still have NOT recieved a closing check or what Fraud .....