davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NC)

I had a business I was operating that was extremely affected by XXXX XXXX. During XXXX  i had an extremely hard time paying my employees and my bills, and I had some late payments that occurred as a direct result of XXXX. I actually had to end up closing my business down due to the pandemic which has put me in a financial crisis till about a few months ago. 

For chase, I missed 2 payments in 2020 in XXXX and XXXX. 

I also had to close this account due to covid.
Consumer complaint received 2020-12-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reliable Credit Association, Inc. (WA)

XXXX of 2020, I was informed by a family member that a variety of individuals were calling a medical alert number, some starting at XXXX XXXX and leaving voice messages. Theses calls happened daily for the majority of XXXX of 2020. 

XX/XX/2020, my sister sent me an audio message with a woman threatening to take me to court and contacting my employer if I didn't contact the '' filing agency ''. If I didn't do so, she was going to take it as a direct refusal of giving my signature and court would go on without me with the filing agency. 

This woman identified her self as XXXX XXXX. I believe she is associated with " XXXX XXXX '' or Reliable Credit. The other name she left on a third party phone was my former wife 's mother. 

I attempted to fix this issue with the company 6 years ago. They were unwilling to work with me. I have heard nothing from them for over 6 years. 

XXXX of 2020, I received a notification from the Attorney General. It informed me of a multi state lawsuit against XXXX for predatory lending practices and my name was on the list for a loan by XXXX and to expect a settlement from the suit. This institution was used by the parties mentioned. 

I believe they are now attempting to " park ) their debt! 

My sister has called the number from which the calls were made. When the call was answered, the person on the other end would not say anything, and then hang up the phone.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DE)

Compliant XXXX Should NOT be closed Citi response was was not acceptable. They DID not explain what happened to the extra funds in a detailed manor. 
Now that I received the closing statement for XX/XX/XXXX and submitting full and extra funds for payment XX/XX/XXXX. Same thing happened, would like to know what happened to over payment of {$7.00}?. Did not go to any of the XXXX XXXX which should have. 


XX/XX/XXXX bill due XX/XX/XXXX : Total Purchases {$210.00} XXXX XXXX XXXX  {$31.00} Returns XXXXXXXX XXXX XXXX XXXX XXXX  Reward Credits XXXX Total Due XXXX {$94.00} Bal. Due {$180.00} Add XXXX XXXX  Total Due {$270.00} Sent in {$280.00} Compliant # XXXX Due XXXX Missing Funds {$89.00}? 
Bal XXXX? Sent in extra {$100.00} $ XXXX XXXX to XXXX # XXXX = {$89.00}?
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Dear XXXX ; XXXX ; Transunion ; XXXX XXXX XXXX  ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus.

I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher. 

I'm also exercising my rights under section and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My XXXX XXXX branded XXXX has not been updated on my credit report since XXXX. I realized the lack of updates and contacted the company on XX/XX/XXXX. I was told there was an error in updating credit reports and it would be fixed within 45 days. The balance still remains on my report. I also reached out a second time and got a generic message that it would be handled. I am delaying a purchase because this balance ( that doesnt exist ) is negatively impacting my score. Interest rates have now risen. I am negatively impacted financially by this. Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

I had scammer hack into my checking account from chase bank ending in XXXX and reverse some charges I never got and alert from chase I disputed the charges but chase said XXXX XXXX  was a third party and there is nothing they could do about it and sent the money to XXXX XXXX  to an account that didnt belong to me the scammer created an account in my name and took the money tried to explain to XXXX XXXX what happen and they said because I did so many XXXX XXXX they felt like these where authorize charges the never investigated they just assume because I used XXXX XXXX alot the charges was authorize this has cause my rent checks to bounce and my account into the negative with chase if you could help me I would greatly appreciate it thank you the amount was for XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

There are billing issues on my credit report. According to Federal Law, consumer reporting agency should never consider any payment late under an open-end consumer credit plan. 

Furthermore, us. 15 1681 states that you are to exclude solely as to transaction between the consumer and the one making the report.

U.S. 15 1681 also states that I have a right to privacy. You have violated my federally protected rights consumer rights and I plan on taking legal action.
Consumer complaint received 2022-11-11
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

I called my bank Wells Fargo regarding a lot of unknown deductions made by them. I was seeing a constant {$10.00} deduction without explanation. Every time I called about it, I would get the same response They said it was extra charges but they weren't able to tell me what those charges where for. One said for not having a certain amount of money in my account. But I always exceed the amount I was told. So since that wasnt the case i was asked to go to a branch to ask them the question and have them situated. When I went, I was told they didnt know why and that I had to call customer service. At the end of the day no one helped me and I still dont know what all those {$10.00} charges where for.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SOFI TECHNOLOGIES, INC. (DC)

XX/XX/XXXX I deposited a check XX/XX/XXXX the funds were partially released I withdrew XXXX. 

XX/XX/XXXX i call when I see that the account is in the negative. 
I contacted the bank that issued it and they assured me the money has cleared Sofi told me they cant do anything XX/XX/XXXX - I check and see the account is frozen I need my account unfrozen
Consumer complaint received 2023-11-09
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. (NY)

In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX section XXXX o XXXX states I have the right to privacy ( XXXX XXXX XXXX ( section XXXX XXXX XXXX a section XXXX ) it states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. 

I WANT ALL THE BELOW ACCOUNTS TO HAVE ALL LATE PAYMENTS REMOVED ASAP. This is illegal and a violation of credit reporting act. I will be suing the credit reporting bureaus for falsely reporting and causing me to be homeless for over a year. 

All inquires not tied to an open account need to be removed asap. 

Late payments needed to be removed ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SEACOAST BANKING CORPORATION OF FLORIDA (FL)

XXXX XXXX double registered my mortgage so it appears that there is XXXX mortgages when there is XXXX. Nobody at this bank is able to to give answers as to how this can be corrected so that we can close a sale on this property. 

My team has made a dozen contacts in the last two weeks and every member of this bank either pretends to be clueless, doesn't speak XXXX or has a non-working phone.
Consumer complaint received 2022-11-11
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. (PA)

Yesterday I learned that my Experian report said a XXXX account was unpaid. I sent them proof that it was paid but they did not correct the erroneous information on my report, just noted that I disagreed with it.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (MO)

Credit Bureaus have information on my consumer report that I'd never authorize. I've sent in numerous FTC reports to each ( XXXX, Experian XXXX XXXX ) However they are conducting an investigation due to the erroneous items allocated. Creditors such as ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violating my Consumer RIGHTS each creditor has failed to provide my right to privacy 3-disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT. It also violates Gramm-Leach Bliley ACT which is enforce for all Financial Institutions to protect the consumers information.

Having the right to do so, unfortunately creditors believe that it's somehow law to furnish your information to a 3rd non-affiliated party without your permission. That is indeed Fraud & Identity Theft sharing or using someone's information
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

Dear XXXX, I, XXXX XXXX XXXX XXXX am writing to file a formal complaint against USBANK regarding my mortgage loan for my primary residence located at XXXX XXXX  XXXX, XXXX  XXXX XXXX CA XXXX XXXX The loan number associated with this mortgage is XXXX. 

I would like to provide a brief overview of the circumstances leading up to this complaint. My husband lost his job during the COVID-19 pandemic, which significantly impacted our financial stability. To address our delinquency, we entered into a repayment plan with USBANK, where we were making double payments in an effort to catch up on our mortgage payments. We were making positive progress until the onset of the pandemic. 

After the economy began to reopen, we initiated multiple loan modification applications with USBANK. Regrettably, our requests were repeatedly denied, and we were only presented with short sale options as alternatives. Despite my husband actively seeking better job opportunities and taking on higher-paying roles to improve our financial situation, USBANK continuously instructed us to reapply for loan modifications as our income fluctuated.

The loan modification process has been protracted, spanning over two years, during which USBANK consistently denied our requests on the grounds of both insufficient and excessive income. We were not informed about the availability of the California Mortgage Assistance Program until we had already accrued an outstanding debt of over {$80000.00}. Had we been aware of this program earlier, we could have availed ourselves of its benefits and avoided the current predicament.

Moreover, USBANK 's refusal to allow us to make regular payments throughout the modification process has further exacerbated our financial difficulties. Despite our requests, they did not grant us the opportunity to resume making our mortgage payments, which has placed us in a distressing position. 

This property holds significant sentimental value to us as it is the home where our children were born and raised. However, with the burden of high-interest rates and the current circumstances, we are concerned about the possibility of never being able to purchase a home again. All we desire is an opportunity to regain financial stability and resume making regular mortgage payments. 

In light of the aforementioned issues, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate our complaint against USBANK and take appropriate action. I believe USBANK 's handling of our loan modification requests has been unfair and has caused undue financial and emotional hardship.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CT)

Hello. Over the summer of XXXX my loan service provider was switched from XXXX XXXX to Freedom Mortgage ( current provider ). This was done outside of my scope of control without my authorization ( since companies are allowed to buy/sell contracts ). 

When Freedom Mortgage took over our account, they conducted an Escrow Assessment. They recognized that we had an excess escrow amount of {$3200.00}. This assessment was done prior to XX/XX/XXXX. We received an email from them around the end of XXXX notifying us of this payment due to excess escrow. 

By law, the service provide must provide payment within 20 days from the date of the analysis ( as long as all mortgage payments are up to date ). 

Fast forward to the XXXX of XXXX and my wife calls asking where our check was. They said they mailed it out on the XXXX and we still not receive it ( 3 weeks ). Freedom mortgage then said they would cancel that one and issue a new one. I then call on Monday XX/XX/XXXX asking the status of the second check. They informed me at that time they had no information about it being issued. But advised they could instead do an electronic funds transfer and that they would cancel the second check. 

I called back the following day to check the status of the electronic funds transfer and after speaking with a manager I was told that the request was cancelled internally by their company. They not only cancelled the two checks, but they also cancelled sending my wife and me our money via electronic means. They stated they weren't allowed to distribute excess escrow via electronic transfer, even though another one of their reps explicitly told us the day before they could. 

When I spoke to the manager she stated they would mail ANOTHER check, and it would take 5 days to process, then XXXX weeks to be delivered by mail. At this point it is extremely clear that the company is breaking the law and holding/withholding payment of excess escrow. This is governed by law and in now way did they attempt to rectify the situation in anyway. They told us we had no choice but to wait. We are past the 20 days and are about to past 30 days. They need to electronically transfer our money immediately. By law they can be sanctioned or face penalties for withholding money. This is not a good faith effort or attempt whatsoever and are delaying tactics designed to prevent disbursement as long as possible. Their reviews on XXXXXXXX XXXX, and many other websites attest to these fraudulent schemes that they consistently employ ( thousands of 1 star reviews ). It is sickening ( and extremely illegal ) how much they are taking advantage of Veterans!!!
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MS)

I have never done business with the debt collection company, more importantly the alleged debt is not owed as it was paid. I request that credit bureaus do a through investigation before slapping a debt on a credit report. Attached are the details showing the debt was cleared. Please remove this negative information from my credit file as it does not depict an accurate description of my credit worthiness. I ask this be removed in XXXX business days or I plan to pursue legal action against the credit bureau for their reporting without proper validation of the debt.
Consumer complaint received 2023-06-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BAY COUNTRYCONSUMER FINANCE,INC. (MD)

So I entered into a car loan good faith agreement with bay XXXX finance Llc which is a subsidiary of bay XXXX finance about XX/XX/XXXX. For a used XXXX XXXX XXXX. Later down the line in about XX/XX/XXXX bay XXXX finance illegally repossessed my automobile first because they claimed they didint know where the car was since the police ended up taking my vehicle due to XXXX profiling and the XXXX police department ended up impounding my vehicle. After I got it out from the police 2 weeks after bay XXXX illegally repossessed my automobile violating my consumer rights usc 6802, 15 usc 1692 and 15 usc 1692k. Bay XXXX finance again illegally repossessed my automobile again in XXXX of XXXX without going through the court by getting a sheriff or a letter from the judge. From their actions I have since suffered mental damage and financial damage, I lost employment I had due to the fact I had no way of making it to my job. Bay XXXX finance is currently trying to sue me in large claims court to try and get the default amount of XXXX. These financial thugs im sure have done this to others as well.