davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I have a complaint against Nationstar Mortgage. I had applied for a HAMP modification Loan in XX/XX/2016 only to find that the application was pulled in XX/XX/2016. I did not find this out till XX/XX/2016 after I called them and was told over the phone that the loan application was pulled. The person on the phone could not tell me why it was pulled. He did tell me that there was a note in my file that the property was condemned. My home is in the process of being rebuilt after Superstorm XXXX. In XX/XX/XXXX when they pulled my application, the structure was already built on piles. The siding and roof on, as well as the doors and windows in. Neither the township nor the county I live in is going to condemn a new house being built with a state HUD Grant under the NJ RREM program. Nationstar had to have made this determination that the property was condemned. I do n't know if this had anything to do with the pulling of the application, because I never received any form of communication that it was being pulled. Can a mortgage company decide to pull your HAMP modification loan application without giving you notice that it is being done? Or without giving an explanation as to why? I had just learned that XXXX had filed on XX/XX/2016 to foreclose on the property.
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. (LA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (FL)

Chime financial allow XXXX to charge my account on XX/XX/2023 when my account was supposed to be refunded. Chime mislead my account by changing the date from XX/XX/2023 to XX/XX/2023 instead of putting the funds back in my account regarding a authorization hold the merchant gave me the authorization hold number XXXX for the hold to get released back into my account chime refuse to put my funds in my account. I had already waited five days for these funds and than a new date comes and I have to wait even longer regarding the same funds. I clearly been denied access to my funds by this bank and I seek relief XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I sent a detailed written dispute regarding several accounts that were repeatedly reporting inaccurate and/or misleading information and requested a detailed written response as I am entitled to receive. A copy of my letter is attached. No information was ever received and still showing accounts of debt buyer with wrong open date and should be off my report as original creditor is older than 7 years and another that belongs to someone else. both are collections and negatively affecting my credit.
Consumer complaint received 2023-11-13
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: JPMORGAN CHASE & CO. (PA)

XX/XX/XXXX purchased two airlines tickets from XXXX, XXXX to XXXX, PA on XXXX for {$620.00} each. 

Flight purchased from XXXX XXXX detail : Conf # XXXX XXXX, XX/XX/XXXX XXXX  XXXX from XXXX to XXXX, GA departing XXXX, arriving XXXX XXXX  XXXX from XXXX to XXXX, PA departing XXXX, arriving XXXX On the day of the trip, we received an email from XXXX stating that the flight from XXXX was delayed by almost two hours. XXXX customer service sent a message stating that we would miss our connection and suggested that we rebook our flight. 

XXXX said they were unable to help us, as we initially booked and paid XXXX. XXXX said they were unable to help because it was a XXXX flight. Of note, for six hours, I was only able to connect with the airlines over text messaging as they never answered the phone. 

As a result, we booked a more expensive flight home and had to fly into XXXX, NJ and pay for a car to take us to XXXX. 

I filed a refund request with XXXX. They said I should file it with XXXX. XXXX said I should file it with XXXX. XXXX has not responded to anything. This has been going on for almost five months. 

I filed a dispute for both tickets with Chase XXXX XXXX XXXX. They refunded one of the two tickets. The other ticket ( {$620.00} ) was disputed twice and Chase continues to say that they decline the dispute. One time they said it was because we didn't present for the flight. That's not true. XXXX told us to rebook, yet gave us no rebooking options or help. They had no other flights that day and after six hours of begging for help, we booked on another airlines. 

I have called Chase several times and spoken with the people in their local office about our dispute ( Claim XXXX ) and they refuse to do right by us. 

We our outstanding Chase customers with excellent credit ratings. We have tried our best to get the Airlines to do right, but they won't since Chase has ruled in their favor. 

Chase is not serving us, instead they are serving XXXX whom we paid but did not deliver a flight home for us. 

Please help.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (FL)

Regarding my company- XXXX XXXX XXXX XXXX XXXX Solely owned by myself since XXXX XXXX I was and am ONLY a

Union bank customer-At no time was I ever a US bank customer client. US bank has changed the terms of my current contract
with Union Bank. Including the interest rate, Payment, and the annual fee. I have investigated this thoroughly, They can also not change the annual fee from the original contract.

A BANK THAT ACQUIRES THE CONTRACT FROM ANOTHER BANK IS REQUIRED TO ABSORB THE OLD CONTRACT- So interest rates and terms will remain the same. I have tried intently to correct there error and have not been able to do so. I have included the original business line of credit contract from Union Bank. US bank has raised my interest rate to 10 % recently for no reason. I have Never had a late or missed payment payment with any bank or creditor

EVER. In my opinion this is Fraud and misrepresentation. US bank must adhere to the original contract i signed. I have included the response letter as well from US bank in the attachments as well. They are claiming they change my old contract terms and fess at will. Banks think they are ABOVE THE Law. That they can do what they please when it is another banks loan. Please help me to correct this error, thank you,
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Ever since the security breech, I have not been able to get Equifax to answer my dispute from months ago, and now when I try to login for another dispute, get the same answer that my information doesn't match with their records so email the dispute. The whole report is outdated and does not include many new pieces, like I paid off an auto loan and started a new one, several  accounts have been paid that are still on there. I don't even know where to start anymore! There is no contact information to talk to a human. Please help! For those who have to rely on credit reports ( all consumers, presumably? ) to do anything, I need these people to step up and get corrected or drop out of being a reporting agency at all. I am potentially at risk by not having correct info out there if I want to get a home loan or other credit source. This has been going on far too long! Thank you for any assistance! XXXX XXXX
Consumer complaint received 2017-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

In XX/XX/XXXX we were struggling with our mortgage payments on our XXXX mortgage with citibank and we were underwater. They were offering loan modifications so we signed up. We had been in the house for 35 years and wanted to stay. That process of loan modification began a 2 year paperwork nightmare during which they told us to make {$1200.00} a month payments because that 's about what our future payments would be and we did. During the process they readily admitted they did not know exactly what they were doing. Eventually we were notified that our modified payments would be {$2200.00} a month, which is {$100.00} less than we had been paying before we started the modification process. The girl from citi actually said " Whoops! Guess we got that wrong! '' In addition, they applied back interest so instead of owing XXXX we now had a mortgage of if memory serves {$230000.00}. They agreed to a short sale but would not modify our mortgage to {$170000.00} and let us keep the house. We let it fall into foreclosure and citi sold it for {$80000.00} since it had fallen into disrepair, a couple of years later to a house flipper. At the very end they transferred our mortgage to XXXX who tried to collect money from us.but somehow citi was still the bank that foreclosed. The house flipper spent about {$20000.00} to refurbish and sold it some poor unsuspecting person for {$400000.00}, more than {$50000.00} above appraised value. Citi ruined our lives by stringing us along for two years thinking we could keep our house with a loan modification and then making it impossible. It ruined our lives and we will never recover because at the time we were already into retirement age and now we are in our XXXX. I knew we were scammed but I could n't prove and still ca n't because I do n't know what went on behind the scenes. I suspects their confused and untrained representatives stuffed and maybe destroyed documents they had no idea what to do with. It is now XX/XX/XXXX and I have only now been able to rise above the devastation enough to put into words what little I know about what happened to us.If citi had been honest instead of stringing us along for years, we could have sold the house and walked away with, probably with no profit but at least without suffering forclosure and bankruptcy.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (AZ)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
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: EQUIFAX, 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 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 2017-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (OH)

I returned modem/router to XXXX XXXX 1 1/2 to 2 1/2 years ago but have maintained their internet service until late XX/XX/XXXXI did so with my own linksys router. The XXXX modem/router ( that I returned ) lacked the security that I required. 

I paid all service fees and thought I was free and clear. 
They claim that I never returned modem/router and that I owe approximately {$120.00} for a modem that they lost. 

In XXXX of XXXX I disputed the non-returned modem. XXXX XXXX launched an investigation and concluded that the modem was never returned ; and I have to pay {$120.00} or give the modem back. 
I told them I was not going to pay for something I returned. They said I left them no choice but to send me to a collection agency. 

In mid XX/XX/XXXX I received letter from Diversified Adjustment Service indicating that I owed {$120.00}. I called Diversified in the first week of XX/XX/XXXX and told them that I dispute the claim. She noted the dispute verbally and said that she would get verification. I explained the situation and that I was not going to pay for a modem./router that I know I returned. I asked her if she would pay if she were in my situation. She responded that they would hold the money as a credit until the issue was resolve. I responded with ; your asking me to trust a company that has already misplaced a their own equipment? No, I am not going to pay for the mistake of somebody else. 

Today, XX/XX/2017 I get another call from Diversified telling me that I owe XXXX dollars. Again, I said I dispute the charges. This time she said that she could reduce the charge to {$70.00}. Again, I said would you pay for something that you knew you returned. She said she might. She knows collection agencies : they will keep calling and will notify credit agencies. I said that was criminal ... That 's extortion. She sensed my anger rising and said goodbye.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2022-11-25
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXn New York 1XXXX Email : XXXX Date : XX/XX/2023 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/2023 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2018-05-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2003, I took out a home equity loan because I was told that I had to have this loan in place before I could get an equity line of credit. I ended up getting both loans, an equity loan and an equity line of credit. I have used my line of credit, but not the loan. I have never borrowed any amount from the equity loan. I just learned that equity loans and equity lines of credit are two seperate entities and that I never needed to take out the equity loan. 

I believe that I was scammed into taking out the equity loan and I paid {$73000.00} for a loan that I never used or needed. This transaction was with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. This account was transferred to Wells Fargo when they bought out XXXX.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

I am just getting caught up with bookkeeping for XXXX and did not notice these charges until now. I always pay our accounts in full each month by the due date. When I complained to Chase, the representative said the payment isn't credited until the money is received from my bank but their website states it differently. It is deceptive, at best. They have refused to credit my account. Three times when making a payment on Chase 's site, it states that the payment will be credited THAT day. 1. " If you're paying between XXXX and XXXX ET, we'll credit your account for the date you choose but you might not see it for 1 to 2 days. '' 2. ( After I made a payment today XX/XX/XXXX ) : " We'll withdraw as an ACH debit from your pay from account ending in ( ... XXXX ) and the payment to your credit card will be dated on XX/XX/XXXX. ''. 3. ( Payment confirmation ) " Payment date : XX/XX/XXXX. '' I was charged interest for payments I made on or before the due date. Account ending in XXXX : XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$30.00} ; Account ending in XXXX : XX/XX/XXXX {$100.00} ; XX/XX/XXXX {$110.00} ; XX/XX/XXXX {$27.00} ; XX/XX/XXXX {$100.00} ; XX/XX/XXXX {$34.00}. Please note this is for two accounts. I was only able to input information about one of the accounts on the subsequent page.
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (CO)

I have written 4 letters certified to remove inquiries and still some exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX