davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

I was the victim of fraud which involves the physical stealing of a victims phone and passcode. With this information, a criminal can access all of the victims financial accounts from their phone, while locking them out of the phone completely. I was a victim of this fraud and it resulted in {$2700.00} of fraudulent transactions occurring across multiple mediums including XXXX, XXXX, ATM withdrawals, and XXXX XXXX transactions on my JPMorgan Chase Bank checking account ( and other accounts, but this complaint is related to Chase only ). These were all completed with my stolen phone and stolen passcode information. Majority of the transactions occurred on XX/XX/2023, and I alerted Chase within hours, which fulfilled my obligations under the EFTA which lawfully limits my liability to {$50.00}. Since XXXX ( it is now XXXX ), I have raised multiple disputes and appeals with Chase attempting to resolve this issue with no progress. They have continually rejected my claims, and are not taking into account the significant evidence I have provided them to demonstrate that the transactions were fraudulent. I have spent hours on the phone over many phone calls to try and resolve this issue. The most recent attempt was on XX/XX/2023 and Chase rejected the claims again. They have used the same grounds for each rejection : that "... you must have authorized these transactions because they were completed with your phone ... '' even though I have explained multiple times over the phone that my phone and passcode were stolen from me. I also wrote Chase a 78-page letter completely explaining the situation and how the theft arose, including details of other financial institutions that were affected ( who have refunded me the disputes ), but they still rejected my claims after reviewing this letter. I have attached the letter but truncated some of the pages to meet the XXXXpage CFPB letter XXXX I deleted the phone records and other less necessary pages to meet XXXX pages ). I suggest you review this letter as it gives a complete picture of what has occurred with all of the relevant information required to make a decision. The first XXXX pages discuss this, with the remainder of the pages are comprised of account statements, police reports, phone records, and evidence of fraud.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (TX)

I'm submitting this CFPB Complaintin accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. When I checked my credit report, I found that part of the information was inaccurate. The three credit reporting agencies must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and removed : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (FL)

I have attempted to contact XXXX XXXX XXXX on multiple occasions. This company provided me with a product that was basically a secured card. I had a secured deposit at the beginning of the relationship and everything was managed withing a mobile app. 

Their app became unusable and I was unable to login and view my account and make payments for my liability. This caused an issue with my credit report and drastically impacted my score with late payments. 

They have kept my deposit and no liability is outstanding with their company and myself. The only problem is that I was not late because of my actions, it was due to a technology failure.
Consumer complaint received 2022-10-18
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. (TX)

I'm XXXX XXXX, and I'm sending you today this CFPB complaint to let you and the credit reporting agencies know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2023-06-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (ID)

I purchased my home and financed it with XXXX Bank in XXXX. The loan is serviced by XXXX at this time. In XXXX I took advantage of a government sponsored mortgage payment deferral program offered due to XXXX related loss of income. The program allowed us to defer three months of payments without penalty or interest due to my wife losing a part time job related to XXXX. I recently applied for a home equity line of credit with XXXX Bank and have been turned down due to the loan deferral. The response I received is that " We can not proceed with a mortgage that has been modified ( due to deferment ) and we are unable to payoff any liens that are at no interest. '' This was a special Covid program that was promoted as helping the consumers. I believe I am being unfairly discriminated against because I took part in a deferment program that was meant to offer relief to those suffering Covid related loss of income. I would have never taken part in this program if I knew that it would prevent me from ever utilizing the equity in my home.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CA)

This company called " Credit Control LLC '' called from these different numbers : XXXX XXXX Soliciting for a XXXX 's credit debt payment. I obviously am not the person that the credit collections is looking for. I have told Credit Control LLC several and multiple times to stop harassing me via phone calls since Credit Control LLC got the wrong number. I have told this organization to cease and desist from further phishing for consumer information via wrong number calls. I also told this organization called Credit Control LLC to stop soliciting innocent people from their debt collection practices from out of state. The reporter of this review and report is based in California and we have guidelines in California regarding out of state solicitors and creditors.
Consumer complaint received 2022-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

Hello and thank you for helping out with my mortgage loan ( # XXXX ). 

I was struggling like most individuals when the pandemic began and had began the forbearance plan, for 15 months I was in the plan and had a payment of nearly {$28000.00} made to bring my mortgage current. 

At the time when I contacted United Wholesale Mortgage, which some customer service representatives were kind however most were really rude and did not help at all and still are not helping which is why I've had to resort to filing this complaint. 

I was promised that after this payment I could use the remaining 3 months of forbearance and after the plan ends, UWM would place the past due amount to the principal balance and resume my payments on XX/XX/XXXX. 

Prior to XX/XX/XXXX, I proactively reached out again to UWM to ensure what to do next and seek for what was promised and had a rude gentleman tell me " well you need to qualify for it first ''. 

Qualify for what? I was on the forbearance plan and was told the unpaid 3 months would be added to my principal and I would resume XX/XX/XXXX with my payments due. 

It's not fair and got papers saying I need to sign away for a short sale? There's no need for that. 

I am please seeking help, I am only requesting for the unpaid 3 months to be placed onto the principal balance so I can resume payments as I was promised especially after making that payment that was originally due.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO (CA)

I applied for XXXX XXXX XXXX XXXX from Popular Credit Services ( a division of Banco Popular de Puerto Rico ) on XX/XX/XXXX. They told me that they approved the card but will not allow me to use the card and they will close the card if I couldn't give them some electrical or water bill with my name on it. I agreed that they will not charge me annual fee and can close my account. 

After that, I thought that things are resolved and the results are that my card was closed. However, I recently received alert from my credit monitoring indicating that : It looks like you settled an account with a lender. When you settle an account, you negotiate a lump-sum payment with your lender to pay back part of what you owe so that the rest is forgiven. 

INFORMATION FOUND Lender : BANCO POPULAR DE PUERT Settlement amount : {$0.00} Date status reported : XX/XX/XXXX That is a faulty information as I didn't even talk with the bank ( Banco Popular de Puerto Rico ) again and they mark this bad mark in my account.
Consumer complaint received 2023-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Im requesting the assistance of the CFPB to investigate SPS for failure to perform under investor- services guidelines and dual tracking of foreclosure. I had communicated with SPS on XXXX of 2022 that my self my family had came in contact with XXXX XXXX illness and my payment was going to be late due to my illness and the inability to work and generate money. SPS stated they sympathized woth my situation and would place me on a Covid forbearance during this time and once I was able to resume making payments I was to give them a call and they would allow me to resume to make payments. 3 months later I reached to SPS and advised I was ready to resume with my payments but at this point now they wanted me to resumit documents for loan modification review which I did. I sent SPS the following : 3 months bank statements, profit and loss, 2 years income tax, utility bills and faxed and emailed to them. As I called to get status of my review they stated sps was still reviewing my case and they didn't need any documents but that my loan was referred over to the attorneysfor foreclosure I begged them to stop the foreclosureon my home while they game a proper review as they promisedbut they refused i also advised them that what they where doing was illegal under Dual tracking laws of foreclosure but they stated it didn't pertain to them and they didn't have to abide by those rules since my investorwas private. Soon after I was denied for mortgage help and didn't matter how many times I applied or asked the reason why I don't qualify or requested somethingin writing they refused. The only thing an agent told me was since my loan originated during covid times they would not modifymy loan no matter what. I belive SPS purposely offered me a Covid forbearance knowingthat they where not going to help me afterwards. I've offered them cash to bring to the table in hopes of good-faith offer but they decline it all. I have not been assigned a single point of contact this entire time and each time I call to request status there is no notes and nobody can help me. I've requested for them to place the amount past due to the end of the loanor on the side of it so I can resume with my mortgagepayments but denial all request I've made. I belive this falls under the predatory lending practices since they allowed me to fall past due so many months by putting me under the forbearance and sps knowing I would not have the funds to repay back this amount. Sps has committed Negligenceand failure to perform under there promises covered under covid.
Consumer complaint received 2023-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (TX)

XXXX XXXX {$5000.00} was transferred from my sons checking account to my business account. 
I did not authorize that transaction. 
XXXX Zelle transactions were taken from the account to take the {$5000.00} out. These transactions were not authorized. 

The bank denied my fraud claim and Zelle could not be reached to return my money.
Consumer complaint received 2024-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (FL)

Had a medical issue. Went to local urgent care center. XXXX in XXXX XXXX Florida on XX/XX/XXXX, Bill was sent to XXXX amount of {$340.00} XXXX allowed {$99.00} and paid {$78.00}. My supplemental insurer ( XXXX ) paid the remaining {$19.00} on XX/XX/XXXX about 3 weeks after my visit. Since that time I have been harassed by a company called XXXX XXXX XXXX XXXX XXXX for the {$19.00} I have sent them letters, emails, showing proof of payment and have had countless frustrating telephone calls with people who are unable to help. and continue to tell me its under review, with no ability to connect me with anyone who is actually reviewing this. XXXX even actually refused to help me with a minor medical issue unless I paid them right then and there. 
This company is TERRIBLE!
Consumer complaint received 2023-11-10
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will besettled. 
XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-10
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will besettled. 
XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00}
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: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I have 2 outstanding issues : 1 ) In XXXX of 2023 I applied to have my PMI payment removed. In XXXX, Huntington Bank had an appraisal done on property which came out to {$700000.00}. My XXXX statement balance is {$540.00}, XXXX. That means that my LTV is 77.7 %, below the 80 % threshold. I was denied removal of PMI on the basis I did not provide evidence of value, even though Huntington ordered the appraisal. 

2 ) In XXXX of XXXX Huntington paid my property taxes out of escrow in the amount of {$12000.00}. This was correct. However, another lender of another pin in my building also paid my taxes using my PIN instead of the one they should have been using. The taxing authority, XXXX XXXX, credited my escrow in error for {$12000.00} in XXXX of 2023. A third party, XXXX, is now attempting to collect that amount and threatening to send me to collections. This amount is sitting in my escrow, and in a phone call on XX/XX/2023 Huntington agreed to pay XXXX this amount. Instead, they did not pay XXXX  and performed an escrow analysis and sent me a check for {$1900.00} and raised my mortgage payment from {$2900.00} to {$3700.00}.
Consumer complaint received 2022-10-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry AMEX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I've contacted Portfolio several time to provide me with charges made on the account showing a total of {$2400.00} They have only provided a statement balance but no charges showing being made on account being reported. I'm not aware of the charges and have now reported the charges as fraudulent charges