davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

During the period of XXXX XXXX XXXX XXXX XXXX, I was the victim of 11 unauthorized ATM withdrawals totaling {$9000.00}. These transactions were recorded in two different cities, including one where I have never been physically present. Unfortunately, my initial claim to rectify this situation was improperly handled and subsequently denied within two days due to an erroneous entry by the claims specialist, who inaccurately stated that my PIN had been compromised along with my card. 

Further complicating the matter, the specialist overlooked two transactions in the original claim. This oversight necessitated the filing of an additional claim specifically for these transactions, which were eventually acknowledged and permanently credited to my account. However, the errors affecting the initial claim were not rectified, leading to unresolved disputes over the larger sum. 

In pursuit of clarity and resolution, I requested detailed information on the investigation process, but the bank failed to provide definitive answers. As part of my efforts to establish my whereabouts during the dates in question, I submitted a comprehensive geo-timeline from XXXX, alongside the case number from my police report. Despite providing this substantial evidence and repeatedly engaging with the bank, there has been no progress, and it has now been over a month since the initial incident. 

The ongoing lack of resolution has resulted in significant financial strain due to accruing late fees and increased debt, exacerbated by what can only be described as inadequate customer service and flawed procedural conduct by the financial institution involved.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I am writing to lodge a formal complaint against Chase Bank regarding an ongoing issue with my account that began in XXXX of last year. At that time, Chase erroneously identified my account as fraudulent, resulting in the suspension of my account and the withdrawal of all my funds. 
Over the past XXXX months, I have visited Chase branch offices at least XXXX times and made multiple phone calls in an attempt to resolve this issue. This month, I was finally informed that my account had passed the verification process ; however, I was also told that it is still not possible for Chase to issue a check to me. The reason for this delay was not provided, and both the customer service representatives at the branch and those accessible via phone have consistently deflected responsibility and directed me to make further inquiries myself. 
Each time I have followed up as directed, the only resolution offered was to wait longer while they processed another request. It appears that there is a continuous deflection of responsibility among the staff. I am left wondering whether the employees are genuinely working to resolve customer issues or merely evading responsibility and intentionally withholding my funds. 
Why has it taken over XXXX months to issue a check even after my account was cleared? This situation is not only frustrating but also concerning as it pertains to the handling of my finances. 
I kindly request a thorough investigation into this matter and a prompt resolution. I would appreciate a detailed explanation and the swift return of my funds. 
Thank you for your attention to this urgent matter.
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (OR)

In XXXX of XXXX my mortgage company add an escrow account to my mortgage. I made XXXX large payments, in XX/XX/XXXX and XX/XX/XXXX for a total {$14000.00} stating that they should be applied to the escrow account and thinking that would cover it for the remainder of the year. In XXXX of XXXX I was informed that my loan was in default in spite of the fact that I had not missed a payment. My payment is approximately {$1600.00} per month. 

No one I have spoken to will acknowledge the payments I have made. 

In addition, after I had paid my property taxes in XXXX of XXXX they sent a duplicate payment in XXXX. XXXX XXXX noted the double payment and issued a refund on XX/XX/XXXX, but the check was lost by the Morgage company. The county has now issued a second refund check on XX/XX/XXXX but it has not been noted in my account. 

Currently the company claims I am {$32000.00} behind. They have served me with a notice of foreclosure. 
Since XXXX of XXXX I have made ; XXXX payments of {$1700.00} ( total {$32000.00} ), XXXX advanced escrow payments total of {$14000.00}, and a property tax payment of {$6700.00}. All together totaling {$54000.00}, yet they still claim I am deficient. 

I have attached an account statement from my bank showing payments being made greater than the required payment each month on time since the company took over my account.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I am not liable for this debt with XXXX XXXX I do not have a contact with NISSAN-INFINITI XXXX  , they did not provide me with the original contract as I requested.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (VA)

I am writing to file a formal complaint regarding a collection account labeled FNB OMAHA XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account was closed due to a negative balance. I went to deposit money at the banks ATM, {$4600.00} dollars worth, and the machine ate XXXX bucks and spit the rest out. I went inside and they informed me my account was closed, but gave me the info to call about the machine keeping {$300.00} dollars. I called their service, and they informed me theyd credit my account and give me access to pull the rest out ( after covering the negative balance or course ). However, I went to withdraw it as theyd told me to on the phone, and Im still locked out of the account completely. So there is currently over {$200.00} dollars in the account I cant withdraw or access.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This bankruptcy is on my transunion credit report and this is from a third party. I have received a letter stating this was not to be in my public records and its inaccurate. 

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate the information that you have obtained for reporting, delete any unverifiable, inaccurate, or outdated information from my credit report.
Consumer complaint received 2024-01-25
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: EQUIFAX, INC. (OH)

I am submitting this letter to request that this account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-05-28
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: Experian Information Solutions Inc. (FL)

I am interested in processing disputes on my credit report with experian To delete an remove all inaccurate information that is hurting my file. checking the data on all platforms everything is not matched. this has caused alot of errors in approvals an denials with m credit. this is issues that need to be resolved to correct my file asap.
Consumer complaint received 2024-05-23
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Fay Servicing, LLC (FL)

Dear CFPB, I am writing to formally lodge a complaint against Fay Servicing regarding their management of my mortgage account and the unacceptable customer service I have experienced. 

Despite my repeated requests, Fay Servicing has refused to adjust the due date of my mortgage payment to align with the timing of my rental income, which I receive mid-month. As a result, I am consistently unable to make my mortgage payment by the XXXX of each month, causing unnecessary stress and financial strain. I believe this rigid policy is designed to collect interest on my account until the payment is made, which is unfair and predatory. 

Additionally, Fay Servicing has made several errors in the past, including inputting incorrect payment information, which caused checks to be returned. Although these errors were confirmed and the default interest was removed, I am now being unfairly penalized. For example, while I was able to make my XXXX payment over the phone, I am now being forced to submit certified funds due to an incident that was not my fault. This requirement appears to be another attempt to delay my payments and penalize me further. 

These issues have caused significant distress and financial hardship, and Fay Servicing 's lack of flexibility and repeated errors demonstrate a disregard for fair customer service practices. 

I am requesting the assistance of the CFPB to investigate this matter and to ensure that Fay Servicing : XXXX. Adjusts my mortgage payment due date to align with the timing of my rental income. 
XXXX. Allows me to make payments through standard methods without the unnecessary requirement for certified funds. 
XXXX. Improves their customer service practices to prevent further errors and delays. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to address my concerns. Attached is record of their error. I need to make my payment before default interest kicks in. I dont have enough time to send certified funds over an issue that wasnt my fault. I need my ability to make payments restored immediately. 

Thank you for your attention to this matter.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violate 15 USC 1681 a ( 2 ) ( A ) ( i ) which states that it is illegal to report transaction history : " 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Also, Fait Credit Reporting Act 15 USC 6805 states that CFPB must enforce it : " 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. '' I am requesting that above names accounts be updated to the " paid as agreed '' status reporting 0 % Credit Utilization and {$0.00} Reported Credit Balance.
Consumer complaint received 2024-05-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shermeta Law Group, PLLC (MI)

I received a letter from the " Shermeta Law Group '' stating that they were attempting to collect an auto loan debt for " XXXX XXXX XXXX '' in the amount of {$10000.00}. 
On XX/XX/XXXX, I called Shermeta Law Group and informed them that I had filed for bankruptcy and received a discharge in XX/XX/XXXX. Shermeta Law asked if I had included their client " XXXX XXXX '' on my bankruptcy petition. I stated that I had not because " Auto Vest '' was not listed on any of the credit reports that I received from the 3 credit bureaus. 
Shermeta Law stated that because the XXXX XXXX loan was not listed in the petition, I was still obligated for the debt. I then asked how old this debt was and Shermeta stated it was XXXX. I informed them that Michigan 's Statute of Limitations had expired. 
Shermeta Law stated this debt was not subject to the statute of limitations because they had filed a lawsuit and received a default judgment in XXXX and the judgment was renewed in XXXX. I informed Shermeta Law that I had never been served with any lawsuit or judgment renewal. Shermeta Law stated that the Clerk of the Court was responsible for notifying me of these pleadings. 
I told Shermeta Law that they were wrong because the Michigan Court Rules mandated that it is the attorney, not the clerk of the court, who is supposed to serve the opposing party ( i.e., myself ) with paperwork. Shermeta Law then changed their statement, now saying that they did serve me with the lawsuit and the renewal. I stated that I never received anything and asked how could it be that I was receiving their letter about owing the debt, but I hadn't received anything about a lawsuit or judgment renewal. Shermeta Law stated that they did send all the paperwork to me and if I wanted to " claim '' that I didn't receive it, I was free to do so.

When I told Shermeta Law that I would be taking legal action under the Fair Debt Collections Act, they stated that they didn't own this debt and were only collecting on behalf of Auto Vest.

I recorded this phone call.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

There are inaccurate items on my credit report which I have notified you for now many times. I keep being disregarded by both you and these credit reporting agencies which are just causing me unnecessary stress over this. I am going to be sending a copy of this to the cfpb ombudsman as well because this is just beyond negligence at this point.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any inaccurate records. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Capital Services, LLC (SC)

I was contacted today XX/XX/year> by Structured Settlement. The representative introduced himself as a XXXX and was extremely aggressive. When I told him so and to please not speak to me in that manner, he only got worse. He threatened to close my bank account and sue me as well as contact my employer for wage garnishment. I explained that I do not believe SC allows for wage garnishment unless a federal or medical loan. He proceeded to tell me I was XXXX  and didn't know what I was talking about. I tried to discuss a settlement options but only got more aggressive and proceed to demand my bank number and tell me he was going to call the initial loan office and stare I was refusing to comply. He was so aggressive that I felt as if he was going to jump through the phone and physically harm me. I called the creditor directly to confirm the debt amount and request to settle with them. Unfortunately as a charge off they could not but made note of what the company did. I did not feel comfortable providing PII to such an aggressive company. I confirmed with the bank that he can not seize my assets
Consumer complaint received 2024-05-23
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: AMERICAN HONDA FINANCE CORP (NJ)

I was recently trying to purchase a house and noticed damages on my credit report. According to 15 USC 1681 there should not be any damages on mu report as it is a defamation of my character. 

America Honda Finance is reporting inaccurate balances! 
XXXX XXXX is reporting inaccurate balances! 

All three major credit bureaus are reporting different amounts which are indeed inaccurate! 

In regard to XXXX XXXXXXXX XXXX is reporting the following balances : {$3200.00}, {$660.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 

In regard to HONDA FINANCE XXXX is reporting the following balance : {$19000.00} XXXX is reporting the following balance : {$18000.00} XXXX is reporting the following balance : {$18000.00} In addition to amounts varying from each other, they are also not the balance reported to my estate from Honda Financial making this all inaccurate information and inaccurate/fraudulent reporting
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please note that the recent response from TRANSUNION to the CFPB ( case # XXXX ), is unacceptable The company is ignoring my request, If they are reporting negative information that I did not consent nor given PERMISSIBLE PURPOSE to any of all inquiries on my submitted list with NO proof as of my consumer right by law. If they are not removed immediately I will seek damages through my FCRA attorney for the hurt TRANSUNION have caused me and my family. If you XXXX Company TRANSUNION ) are reporting it on my report they should be held liable, it is your company 's responsibility XXXX TRANSUNION ) to investigate and as I see you are fully in violation in doing so. REMOVE ALL FROM MY REPORT IMMEDIATELY!!!! 
CFPB I'm asking that you hold them accountable to my consumer rights.
Consumer complaint received 2024-04-23
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. (FL)

I recently examined my personal consumer credit reports and identified questionable or inadequately verified data in the records maintained by your company. It seems that information which had previously been removed may have been added back to my credit profile without the requisite 5-day notice, thus violating the reporting regulations you are obligated to adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any information that has been removed should not be reintroduced into a consumer 's credit profile without directly informing the affected consumer in writing within five business days. However, I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Your agency is in violation of the law! As per 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Additionally, 15 U.S.C. 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my explicit written consent. Moreover, 15 U.S.C. 1681c. ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no individual should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.