davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (NC)

On 2023 XX/XX/XXXX, I accessed my account online. Before I could get to the usual webpage where I could print my monthly statement, I was blocked by a screen demanding my acceptance of Chases New Digital Agreement and New Terms of Use. There was no way to bypass that screen. There was no alternative to accepting the new Chase policy terms. The New Digital Agreement is 125 pages - far too long to read in one sitting, let alone consider carefully. It appears that by accepting, I am surrendering almost all rights to digital privacy, consenting to Chase selling to anyone my personal data and history of purchases, and agreeing arbitration only as the sole means of resolving any disputes, shutting me out entirely from my state 's and our country 's legal system. I do not actually agree to any of this, despite being forced to accept Chases New Digital Agreement and New Terms of Use in order to access my online account.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a credit reversals on XXXX # XXXX claim # XXXX. 
{$36.00} {$37.00} {$50.00} {$51.00} {$110.00} {$130.00} At the time i file fraud on those charges i did not have my debit card on my possession that is why BOA issued a new one. I m very disappointed because BOA Did not protect my account that i had for the last 10years!
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (VA)

I wanted to open a brand-new business checking account with Navy Federal Credit Union XXXX I was told I was unable to open account because, of a bankruptcy that was filed in 2002. They allow me to open a savings account but not a business checking account. I advised the phone agent that was over 20 years ago, and she said it didn't matter. She then proceeded to provide a listing of all accounts that were included in the bankruptcy filing which, I didn't request.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Dear Sir or Madam : I am writing because I am trying to set up a XXXX Loan Modification. I believe the program is called " Flex Mod. '' I learned on this by researching on the XXXX Website. I am currently in Chapter XXXX ( I have only 7months left ). I had fallen behind on my mortgage. I am currently unemployed. I lost my job in XXXX. 

My mortgage company is Mr. Cooper ( formerly Nationstar ). My Loan # is : XXXX. I made a payment on XX/XX/XXXX for {$2200.00}. Because I am in bankruptcy, my Attorney had to sign a consent for me to correspond with them, which I did. I have not made a payment since because I am unemployed. I called Mr. Cooper on XX/XX/XXXX to tell them that I was unemployed and I would like an application for a modification or other options. I waited up until XX/XX/XXXX for the application, to no avail. I called again on XX/XX/XXXX. I was transferred 3 times and on hold for 20 minutes, which did nothing. I called again on XX/XX/XXXX at XXXX XXXX. I was told that I did not have to fill out anything and that they would hae something for me by the end of the week. It is now XX/XX/XXXX. I have not received anything, or a phone call. 

I believe that I am getting the run around. My plan was to make a payment once I receive unemployment benefits. It has been 5 weeks since I applied for unemployment. I need a solution to my problem and help, but they are not working with me. 

Thank you, XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I contacted and disputed the date to remove negative information on my credit report several times and Experian will not change the date. Experian has the information that the last missed payment on my account with XXXX was XX/XX/XXXX. The date to remove this information, the reporting date should be XX/XX/XXXX. They are reporting the date to remove as XX/XX/XXXX, even though they have record of my last missed payment in XX/XX/XXXX. 

Under the provisions of the Fair Credit Reporting Act, How long will the charge-off stay on credit reports? Similar to late payments and other information on your credit reports that's considered negative, a charged-off account will remain on credit reports up to seven years from the date of the first missed or late payment on the charged-off account. 

Charge Off FAQs | XXXX
Consumer complaint received 2023-06-24
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (IN)

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

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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I want to start off by saying that I'm not admitting to this debt. I would like to do business with your company if you agree to the following terms. ( 1 ). Remove the debt above from all three credit bureaus within 10days of payment. ( 2 ). Send me a letter stating that the account above will be deleted. ( 3 ). Stop all debt collection activities. If you agree to the above terms, I will pay your company the full balance of this debt as soon as I receive this signed copy back from an authorized representative with the power to make this deal. Failure to delete : I just want to ascertain that you honor your side of the agreement. If the item is not deleted as specified in this agreement, I will be entitled to {$500.00} compensation for breach of contract
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I received an email stating that my credit card was successfully approved and my phone number and address was updated. This credit card was not requested by me. 
The credit card is a Chase Sapphire ( {$18000.00} ).
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I have written a letter and asked XXXX and Experian multiple times to show me prof of my signature, picture, or any proof that I had consent on the hard inquiries on my credit report. Every time they replied they couldnt show me proof of any signatures indicating that it was me that made the inquiries. By law they are supposed to remove all inquiries if they cant provide proof. They are hurting my credit score by not removing the inquiries since they dont have any proof. I have three unauthorized inquiries that I dont recognize from both companies.
Consumer complaint received 2023-09-30
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. (IN)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX  XXXX, IN XXXX ; XXXX XXXX  XXXX, IN XXXX ; XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute several unauthorized inquiries that have appeared on my credit profile recently. Upon reviewing my credit report, I have identified the following inquiries that I did not initiate or authorize : 1. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
2. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
3. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
4. Inquiry from XXXX XXXX XXXX ( Bank ) on XX/XX/2023. 
5. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
6. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
7. Inquiry from XXXX XXXX ( Bank ) on XX/XX/2023. 
8. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
9. Inquiry from XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
10. Inquiry from XXXX XXXX XXXX  ( Finance ) on XX/XX/2023. 
11. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
12. Inquiry from XXXX XXXX XXXX XXXX ( Bank ) on XX/XX/2023. 
13. Inquiry from XXXX XXXX XXXX ( Bank ) on XX/XX/2023. 
14. Inquiry from XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
15. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
16. Inquiry from XXXX XXXX ( Auto ) on XX/XX/2023. 
17. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
18. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
19. Inquiry from XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
20. Inquiry from XXXX ( Finance ) on XX/XX/2023. 
21. Inquiry from XXXX XXXX XXXX ( Bank ) on XX/XX/2023. 
22. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
23. Inquiry from XXXX XXXX XXXX ( Auto ) on XX/XX/2023. 
24. Inquiry from XXXX XXXX XXXX XXXX ( Auto ) on XX/XX/2023. 
25. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
26. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
27. Inquiry from XXXX XXXX  XXXX XXXX ( Bank ) on XX/XX/2023. 
28. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
29. Inquiry from XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) on XX/XX/2023. 
30. Inquiry from XXXX XXXX  ( Bank ) on XX/XX/2023. 

As per the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and reliable information on my credit profile. Therefore, I kindly request that Transunion promptly investigates these inquiries and provides me with a detailed explanation regarding their legitimacy. Should these inquiries be found to be unauthorized, I request their immediate removal from my credit report. 

Furthermore, in accordance with the FCRA, I would appreciate receiving a free copy of my updated credit report once the investigation is completed. 

I understand that under the FCRA, you are required to complete your investigation within 30 days of receiving my dispute letter. I anticipate receiving a written response from XXXX regarding the investigation 's findings within this timeframe. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of these unauthorized inquiries from my credit report.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (RI)

Several years ago, my mortgage was sold to Nationstar. Earlier this year I fell behind on my Nationstar ( now re-named Mr. Cooper ) mortgage payments and started getting past due letters. I have been making payments the last 4 months and even sent an extra {$500.00} in XXXX and XXXX. Still I have n't been able to catch up. In a letter dated XX/XX/XXXX they said I owed {$5700.00} but when I spoke with someone in late XXXX by phone, they said if I sent {$4500.00} to them it would bring me current. They did n't provide any written statement to back that up. I am hesitant to send in any monies until I can obtain a full accounting of my payments and my current balance. 
The first sentence on the letter says " If you are represented by an attorney, please send this letter to your attorney ''. So two weeks ago ( XX/XX/XXXX ), at the urging of my family, I consulted a lawyer who had me sign a Power of Attorney ( POA ) form so that he could speak with the mortgage company on my behalf. He faxed it in on same day XX/XX/XXXX and followed up with a phone call and was told it would be 2 - 4 days before the POA would be " processed '' and until the processing was complete they could not speak with him. So by XX/XX/XXXX, the processing should have been done. 
Today is XX/XX/XXXX. My lawyer has called every other day since XX/XX/XXXX, he 's been put on hold for 15-30 minutes each time and either ca n't get through or he reaches someone who says " we 'll call you back '' and then they either do n't call him back or they call back at non-office hours. They wo n't give him a direct number to call to bypass the wait time and they wo n't make an appointment with him to discuss my case. My lawyer wants to obtain a full accounting of my payments and balance due after which my family will help bring me current. 
There are a lot of complaints logged for Nationstar in the XXXX XXXX XXXX database many alleging that they overstate the amount owed. I 'm hesitant to send them the amount they tell me I owe them because if it is n't correct, I 'm sure I 'll never get it back. So the charges are piling up ( to their advantage of course ) while I 'm trying to get them to work with me and my lawyer to bring me current. 
Nationstar/Mr. Cooper is stonewalling us to their financial advantage, racking up more fees each and every day that goes by.
Consumer complaint received 2022-12-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (AZ)

I signed a proposal with XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Arizona XXXX, License # - XXXX XXXX XXXX ) for installation of solar panels on XX/XX/2022 which quoted a monthly payment of {$110.00}. No information was provided regarding the total number of payments, payment frequency or the payment due date. Also, it was not disclosed that the financing rate was only guaranteed based on a 0.5 % discount for an automatic withdrawal. When I received the loan paperwork on XX/XX/2022 it had all the proper disclosures but a payment of {$110.00}. That's {$1300.00} more over the life of the loan than promised. I complained to both XXXX and GoodLeap but neither company has taken any action.
Consumer complaint received 2023-09-13
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. (KY)

In accordance with the fair credit reporting act, XXXX file number XXXX and XXXX XXXX XXXX # 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.
Consumer complaint received 2018-05-02
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2023-09-04
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$9100.00}.
Consumer complaint received 2023-09-13
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. (IL)

I am writing to dispute several unauthorized inquiries that have appeared on my credit profile recently. Upon reviewing my credit report, I have identified the following inquiries that I did not initiate or authorize : 1. Inquiry from XXXX on XX/XX/2023. 
2. Inquiry from XXXX XXXX XXXX on XX/XX/2023. 
3. Inquiry from XXXXXXXX XXXX XXXX  XXXX XXXX on XX/XX/2023. 
4. Inquiry from XXXX XXXXXXXX on XX/XX/2023. 
5. Inquiry from XXXX XXXX XXXX on XX/XX/2023. 
6. Inquiry from XXXX XXXX on XX/XX/2023. 
7. Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/2023. 
8. Inquiry from XXXX XXXX on XX/XX/2023. 
9. Inquiry from XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2023. 

As per the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and reliable information on my credit profile. Therefore, I kindly request that Equifax promptly investigates these inquiries and provides me with a detailed explanation regarding their legitimacy. Should these inquiries be found to be unauthorized, I request their immediate removal from my credit report. 

Furthermore, in accordance with the FCRA, I would appreciate receiving a free copy of my updated credit report once the investigation is completed. 

I understand that under the FCRA, you are required to complete your investigation within 30 days of receiving my dispute letter. I anticipate receiving a written response from Equifax regarding the investigation 's findings within this timeframe. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of these unauthorized inquiries from my credit report.
Consumer complaint received 2023-01-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MS)

My mortgage has been sold several times since our purchase of the home in XX/XX/2022. The last payment we sent in XXXX was to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX. My point of contact at XXXX XXXX Mortgage has been XXXX XXXX. On XX/XX/2022 I received a letter from XXXX XXXX XXXX  stating my loan had been sold to XXXX XXXX XXXX and to send payments to XXXX XXXX XXXX XXXX XXXX, VA XXXX. Also on XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX stating they want my payment and to mail it to XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; Payment due XXXX XXXX. I immediately picked up the phone and called XXXX XXXX to ask if the company was LoanCare , LLC or XXXX XXXX XXXX XXXX XXXX. I got her voicemail so left a detailed message and asked her to call me back. I called XXXX again on XX/XX/XXXX, and once again got her voicemail. I refuse to send a large mortgage payment to an unverified source. Please help me determine who is the owner of my loan and where I should direct my payments.