davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On or around XX/XX/year>, I was informed by a banker from Chase, whom I was working with on a checking account matter, that he had randomly noticed my savings account had been deactivated due to inactivity. This makes no sense since I have made withdrawals at least monthly from the account for at least the last 5 years. 
I received no notice of the deactivation, no letter, no email, no text, no note or flag on the on- line system, nothing. 
There is nothing in the Deposit Account Agreement about the criteria and/ or procedures for account deactivation. 
After attempting unsuccessfully at least 5 times to reach the banker by phone, I went into the branch on XX/XX/year> and attempted to deposit a check. The teller informed me that the account was deactivated and I couldnt deposit the check. I sat with a different banker, signed some papers, reactivated the account, and deposited the check. All the personnel I spoke to at the branch did not understand why the account had been deactivated. 
I submitted several inquiries on Chases on-line secure messaging system to attempt to understand their unwritten rules about account deactivation and notice procedures. I receive conflicting answers about the unwritten rules, and an apology for not receiving notice.
Consumer complaint received 2022-09-19
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 received a copy of my credit report and found the following error still remaining on my report. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Experian Credit bureau is currently still reporting XXXX XXXX inaccurate account on my report, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX and XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Experian is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.
Consumer complaint received 2022-09-19
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)

XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no knowledge of this account. 


XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX Date of inquiry : XX/XX/XXXX I did not authorize this account. 


XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I have no knowledge of this account. 


XXXX  XXXX Account Number : XXXX Please investigate and remove it. 

XXXX XXXX Account Number : XXXX I did not authorize this account. 

XXXX Account Number : XXXX Please investigate and remove it.
Consumer complaint received 2022-09-19
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Loan restructured under XXXX in XXXX with XXXX XXXX  XXXX. 

In XXXX of XXXX, I was informed by XXXX XXXX XXXX that my loan was being transferred to Select Portfolio Services as of XXXX of XXXX. XXXX  XXXX XXXX advised me that the terms and restructuring of my loan would not change only the servicer as they will continue to be the loan originators. 

In XXXX of XXXX, I began making my monthly payments in the amount of {$1600.00} directly to Select Portfolio. 

After five months of consecutive payments, I received a notice in XXXX of XXXX that Select Portfolio was adding PMI to my mortgage payment. 

On XX/XX/XXXX, I emailed Select Portfolio at XXXX to advise them on my legal rights and let them know my loan does NOT require PMI in the State of Georgia or based on the loans balance. 

Select Portfolio to my request for the removal of the PMI with the threat and removal of my escrow account. 

On XX/XX/XXXX, I emailed Select Portfolio and requested that my loan be returned to the status at which it was acquired from XXXX XXXX XXXX. 

Select Portfolio moved forward with their threat by removing my escrow accounts, during the months of XXXX and XXXX and setting my new monthly payments to {$1900.00} in XX/XX/XXXX. This amount included a mortgage shortfall account being added to the account. 

During the months of XXXX and XXXX of XXXX, I paid the full amount of my mortgage to include escrow, with the payments each totaling $ XXXXWhen making the payments online, I designated the specific required dollar amount to be deposited into the escrow account. 

Select Portfolio did NOT deposit those funds for the Months of XXXX or XXXX of XXXX to the escrow account. This was done to give my account the appearance of having a escrow shortfall and to increase my monthly payments to {$1900.00} thus forcing me to possible refinance or foreclosure. 

In XX/XX/XXXX, I receive a statement from Select Portfolio with no reporting of the escrow payments made in XXXX and XXXX of XXXX. 

On XX/XX/XXXX, I reached out to XXXX  XXXX XXXX the loan originator to report Select Portfolio for misallocation of funds and fraud. XXXX XXXX  XXXX XXXX quickly responded my mailing out a copy of my note and a reporting of all transactions from XXXX. 

Select Portfolio responded by placing negative/false information on my XXXX credit report. 

My request is to have my monthly note returned to the amount of {$1600.00}, which is the acquisition amount from XXXX of XXXX. 

My request is to have my account audited and reviewed for any and all misallocation of funds, fraud and abuse by Select Portfolio Recovery.

My request is to have Select Portfolio Recovery brought up on charges of Tax Fraud and Regulatory abuse charges for the removal of my escrow account.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (CA)

I submitted a letter to Equifax dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please correct the account below : XXXX XXXX
Consumer complaint received 2023-04-14
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. (FL)

Entered into a settlement arrangement with Citibank / Home Depot Credit card. Payment agreed to was {$760.00}. Payment was sent as agreed. Citibank successfully deposited the check but credited to the wrong account and never credited my accounts. My attorney and I have attempted to get this resolved directly with Citibank, but to no avail. We have called, emailed, faxed and sent letters over 35 times and are still unable to get the problem resolved.
Consumer complaint received 2022-12-21
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. (CA)

I submitted a letter to Experian dated XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please correct the account below : XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: M&T BANK CORPORATION (PA)

I opened a credit card at M & T Bank due to a promotional offer they sent me. However, the bank is now refusing to let me enroll online and check my credit card balance independently. They are insisting that I visit a branch and create an online account there because I don't have any checking account with them. The bank did not mention this requirement in the credit card offer letter, otherwise I would not have opened the account. This is not just inconvenient, but also unacceptable in this 21st century when everything is almost online also the bank is about 9 miles away from my home. Traveling back and forth to the bank is just a waste of my valuable time.
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

Starting over a year ago in XXXX XXXX XXXX and most recently XXXX XXXX XXXX Venmo has been wrongfully restricting my funds in their account and has even held my money making several different claims such as there is a bug in the system which engineers are working to resolve. Then making other excuses such as you are violating user terms and agreements which is also a false claim. They have held my funds against my will after I have submit full proof and XXXX  documents on several occasions since XXXX without reason. I would like to discontinue using this fraudulent service and recover the {$200.00} from my account which they are wrongfully holding against my will beyond 190 days on multiple instances without reason.
Consumer complaint received 2024-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (PA)

This complaint concerns my mortgage company not paying my real estate taxes, due to them saying that the parcel number on the deed was wrong. I spoke to a lawyer, and he said that it is almost impossible to mess up an escrow account based on that information. I feel my mortgage company has been trying to get much more money from me than they need to. My mortgage company is PHH Mortgage from XXXX, IL and I have been trying to get them to pay my real estate taxes since XXXX of XXXX, and then adjust my monthly mortgage payment accordingly, when I got a notice from my income tax bureau that they were delinquent. In XXXX of XXXX I received a {$1500.00} rebate, then in XXXX of XXXX I received another rebate check of {$2100.00}, and I thought this was weird, but went on with life thinking they would know better than I, and then I got the notice from the tax claim bureau that my real estate taxes were not being paid, so I noticed PHH, they had no clue what was going on, I called the tax claim bureau, the tax collectors, and PHH several times before they finally came up with the answer that the parcel number on the deed was incorrect, so I called the Title/Closing company and they said they have never heard of this before from any other mortgage company, so I went back and forth with PHH and finally had to pay for another deed with the parcel being listed as parcel XXXX, then I got notification in XXXX of XXXX that our escrow was {$13000.00} in the negative, I just about fainted, I thought how can this be possible, they haven't even been paying our taxes appropriately, so I reached out to XXXX XXXX XXXX XXXX XXXX that got us the loan and she went through the escrow analysis and found that they were over charging us {$10000.00}, but they were still saying that we were {$3000.00} behind in our escrow, even though in XXXX, XXXX, XXXX of XXXX they increased our mortgage from {$1000.00} to {$2600.00} per month, which I paid, and then in XXXX they finally adjusted it down to {$1500.00} for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I really need some help with this because this just isn't fair. I've been trying to get our mortgage payment adjusted to the original monthly payment of {$1200.00}, so I can afford it and not lose my home. They refuse to see that they are at fault here and have not been helpful adjusting these calculations accordingly.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2023, my wife assisted her brother with some Wells Fargo transactions. She has Power of Attorney of his affairs. On XX/XX/2023 my wife and myself were notified of our accounts closing. The reason they gave was pure foolishness as Ive had the same account for 3 years with no issues. The problem started today and Wells Fargo retaliated against us due to my wife advocating for her brother. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am very disappointed at this treatment and discrimination.
Consumer complaint received 2023-04-10
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. (DE)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2024-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: KEYCORP (CA)

I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the film industry upon the completion of XXXX in XXXX with major in XXXX XXXX XXXX XXXX. To cover the expensive cost of tuition, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and graduating, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The XXXX XXXX bill had different loan interest rates than the previous lender issuer at 8.99 %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of 5.5 %. I have been paying this for the last 15 years and still owe large portion of the principal. The school degree was not recognized in all my attempts to obtain employment. The school misconduct caused me a life long sense of failure. It has been discovered the school had operated with bad faith and many complains had shown it.
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXXXXXX XXXX XXXX did not properly serve me in accordance with the law, nor did they provide me with validation of my debt. They sued me in court and I was not notified of the court date in accordance with state law. 

Capital One account. ( XXXX ) {$2500.00} The following alleged collection account was on a payment plan arrangement during XXXX and the amount you are reporting is not correct, nor is the amount owed. ( see attached document for details ) Under the XXXX XXXX  If you are current on payments and make special arrangements, creditors must report the account as current. 
If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. 
Late and missed payments CAN NOT be reported if you have already made arrangements. 
Charge offs may still continue to be reported as a charge off Some creditors may use a special code for natural disasters on credit reports for delinquent accounts, this is not required. 
XXXX does not consider disaster codes for credit scoring. 
XXXX will not use late payments with a disaster code for credit scoring. 

I had a XXXX positive test result which indicates I was effected by XXXX during the illustrated time line for the XXXX XXXX gave this information to the credit card company. 
They violated FCRA and compliant reporting standards. 


XXXX XXXX XXXX is not in compliance with all the XXXX XXXX reporting standards, and I'd like this account removed upon completion of investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I heard on the news today about the agreement with Wells Fargo. I am one of those consumers who tried for many, many years to get a loan modification with ASC and they kept giving me the run around. 

I lost my home to foreclosure in 2021 and would like to know if there is any recourse.
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: UHG, LLC (MO)

I am requesting and investigation into a garnishment that I wasnt made aware of. My work environment was faced paced and delayed my ability to access digital paystub. We had mandatory direct deposit. This company started fraudulently has claimed that I have business with them. I am requesting proof be provided because I do not have any business with this organization.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Tried ton purchase a car at local dealership and was told they could n't get any report from agencies, no number is being reported. I called Transunion and they said it is reporting. I have tried to get home equity loan and was told the same thing. Transunion says no reason for that so why ca n't anyone access a credit number. XXXX had told me all my credit was old, which is true but what should that have to do with my credit history. Transunion has told me there are no negative items on my report. I have a charge account with XXXX which has been active since XX/XX/2003 and XXXX said it was n't reporting properly because my birth date needed to be updated? This account according to them is reporting as no status. It 's the only active account I have had for several years and it is not reporting properly. XXXX says it 's XXXX fault but XXXX has told me that have updated to credit agencies. I ca n't get credit even though my credit has always been very ggod. THIS IS NOT FAIR. credit reporting agencies are prohibiting me from getting credit by not providing any credit history while at the same time saying they are. I do n't know where the disconnect is but it needs to be resolved I need your help
Consumer complaint received 2023-05-17
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. (LA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I disputed a credit card debt with Experian. Experian replied the creditor provided certified documentation that the belongs to me. I asked for Experian to provide the certified documentation and they do not want to provide this information. 
Thank you
Consumer complaint received 2023-09-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accudata Credit Systems LLC (MO)

I was reviewing my credit report and noticed a debt collector reporting an unauthorized collections on my credit report. 

I sent them a certified letter asking them to verify the item because the information listed on my credit report is inaccurate. This inaccuracy in inhibiting my right to have accurate information reporting to my credit reports.