davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (VA)

I have for 12 years or longer, have taken every course available to me, to try and FIX what is WRONG with this account. I have used XXXX. ( on two separate occasions ) who was not able to get any positive results for me. I tried and was approved twice for the H.O.P.E. Program. How, this one failed, is that the LENDER and all other entities who are involved on my deed, do not participate in the GOVERNMENT PROGRAM. Now, how is that FAIR, for the people who are still loosing their homes to nothing but FRAUD 'S. Next, my CHAPTER XXXX, and what happened here is CRIMINAL. I have all the ORIGINAL DOCUMENTS. The actual Complaint is : J.P. MORGAN / CHASE, can not prove what happened to my payments, and I am  going to say this, every time they send me a NEW ACCOUNT HISTORY, it's only gets worse. I am sending you documents that show the ending balance of the principle, when Mortgage It, sold the loan after two years. When J.P. MORGAN / CHASE purchased the loan, they show the beginning balance of {$120000.00}. When actually it was, {$120000.00}. That's FRAUD. This is the 2nd request for J.P. MORGAN / CHASE via a C.F.P.B. Complaint, to show the Chapter XXXX payments coming in and being applied to my loan. Now, this is important. On the last complaint, I was speaking to XXXX XXXX from CHASE. This is a true quote of what was said. XXXX was speaking to me only about the Chapter XXXX payments. I advised XXXX that not only was Chapter XXXX missing that almost all my payments were gone. They put them into SUSPENSE from what I can tell they got gone. XXXX said he was going to follow-up with these documents ( accounting history ) and I said I already got them and have gone through them and I don't see any payments. I then said to XXXX, I would suggest that you do them same. XXXX said, I did, and I said well, did you see any payments, XXXX said NO. He admitted that there was no record of the Chapter XXXX payments and wanted ME to help him by faxing my documents of proof over to him. Sounds Fraudulent to me.NOT SURPRISING. So, I advised XXXX how the payments were made via, GARNISHMENT, through my company every single week {$360.00}. I told XXXX that he would have to contact the TRUSTEE. Please take time to look at the pages numbered 1-5. The In-House modification called " CHAMP '', Chase added in {$39000.00}, when I asked in an earlier complaint, I was advised fees due to the Lender, no proof of these. On page 5, of Chase 's answer of the last complaint. Chase indicates that those fee totals, are {$12000.00}. I have originals showing Chase charging my account XXXX, many many times as a CORPORATE ADVANCE, I believe is what the description of the charge. There is so much FRAUD, I can not believe that someone is not helping me at all on this.
Consumer complaint received 2022-12-17
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. (NY)

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.

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 instructons 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 vears.

15 U.S.C. 1681s-2 ( AX1 ) 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 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (MD)

I have had a checking account opened with a XXXX  named Albert ( https : //albert.com/ ) for over one month. With no prior notice, I was blocked from accessing my account, and the debit card no longer works. I tried contacting the company, which demanded a bunch of documents from me -- purportedly to verify my identity -- and I provided all of it promptly. ( They made me email the documents to a generic support inbox, and did not provide a secure portal to do so, even though it was highly sensitive information that they wanted. ) Yet, despite providing the information by email in a prompt manner ( within about an hour ), my online account access has not been restored, and I have no access to the funds in my account. 

This XXXX raises huge red flags because there is no way to speak to a human. The company has a phone number, but it consists only of prerecorded messages, and there is no way to navigate to a human ( you can try for yourself ; the number is XXXX ). The company insists that you contact them through text or email, but they do not respond promptly to either mode of communication. Best of all, they actually encourage you to pay a monthly fee to have access to their representatives ( ironically called " geniuses '' ) by text, even though the representatives are basically nonresponsive when a concern actually arises. 

Their XXXX  page is filled with complaints similar to mine XXXX XXXX XXXX XXXX ). Can you imagine if a real bank didn't have a phone number that allowed you to speak to a human? And also if that bank locked you out of your account and made your funds inaccessible, with no prior warning? That's exactly how this company operates. I urge in the strongest way possible that an investigation be opened into this company and how it operates. No company should be able to freeze your account for no apparent reason without providing a means to speak to a human to obtain a prompt method for resolving whatever the issue is. Don't let this company escape responsibility for its shoddy operations.
Consumer complaint received 2022-06-01
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. (VA)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following Inquiries need to be removed as they are fraudulent. 

TRANSUNION Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX ) {$4000.00}, XXXX XXXX ( XXXX ) {$1700.00}, XXXXXXXX XXXX XXXX ( XXXX ) {$1600.00}, XXXX XXXX XXXX XXXX {$590.00}, XXXX XXXX  ( XXXX ) {$330.00}, XXXX XXXX XXXX {$130.00}, XXXX XXXX, XXXX XXXX ( XXXX ) {$140.00}, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) {$360.00}, XXXX ( 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 an account without my written instructions.
Consumer complaint received 2020-02-14
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. (NY)

THE ACCOUNTS THAT ARE BEING DISPUTED WERE NOT AUTHORIZED BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS LISTED. IT HAS BEEN BROUGHT TO MY KNOWLEDGE THAT THOSE ACCOUNTS HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FOR QUITE SOME TIMES AND I HAD NO IDEA HOW THIS HAPPEN. PLEASE IF THERES AN INVESTIGATION THAT CAN BE DONE TO HAVE THOSE REMOVE OFF MY CREDIT, PLEASE HAVE IT DONE TO CLEAR MY REPORT OF INACCURATE ACCOUNTS.
Consumer complaint received 2022-06-01
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. (NY)

I called Equifax after I purchased a credit report from XXXX XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX CARD XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX XXXXo get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-01
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. (NY)

I called Experian after I purchased a credit report from XXXX XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts are inadvertently resulting in me being extorted.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (PA)

This concerns a Fortiva Credit card issued by the XXXX XXXX XXXX. 

I was about 4 days late with a payment that was subsequently made. While my payment was processing, I received a notice from XXXX XXXX that the account was closed to further purchases. Fortiva gave me no warning they were going to take this action, either on their website, via e-mail, or by mail. 

I received a letter today (XX/XX/2019) dated XX/XX/2019 that stated my account was being closed since it was over the credit limit. The reason it was over the limit was Fortiva 's own annual fees, which I was again given no warning or notice about. 

I am protesting the action taken by Fortiva to close this line of credit. I believe it was discriminatory based upon my address in XXXX and as such is a form of illegal XXXX discrimination and redlining based upon my address. I demand that the line should be reopened and that Fortiva should send a letter of apology. I have also since sent them two payments on this card, both of which have gone through. If Fortiva will not reverse this decision, I intend to file a full Civil Rights complaint against Fortiva.
Consumer complaint received 2022-12-17
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  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
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  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
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (CA)

Our Mortgage insurance was sold from XXXX XXXX  XXXX to Mr. Cooper in XXXX. We called them regarding some tax questions and were told over the phone that our new mortgage amount will be increased by {$1000.00} per month. They mentioned they did an escrow analysis, and our pmt. will be increased as of XX/XX/XXXX. We have never been late with our payments and said we can not make this payment to which they stated, we will take {$500.00} per month for the next XXXX years, this was all completed by phone! Mr. Cooper started with this payment increase in XX/XX/XXXX not XX/XX/XXXX. They also stated this occurred since there was no $ $ $ in our Escrow acct. 

Friday, XX/XX/XXXX We moved into our residence on XX/XX/XXXX, we have been paying our mortgage on time and have never been late. It states in the Loan Documents we both signed when we bought our home, in the mortgage disclosure, that we can have the PMI removed after XXXX yrs. of being in our residence from the sale date and when our loan to value reaches 75 %. We currently meet both those requirements ; we are not sure why they will not help us. We are still paying a PMI of {$480.00} on a monthly basis. We called Mr. Cooper on XXXX, XX/XX/XXXX, to check on this PMI but could not talk to a live person, however there was a recorded statement saying, " Your new payment will start in XXXX '' would you like to hear that? We found out through this recording that our new Payment as of XXXX will be going up by yet another {$100.00}. We have NOT gotten anything in writing regarding this " NEW PAYMENT ''. This needs to end, we are basically paying almost {$1000.00} per month in addition for something we should not have to pay. 
We are truly hoping you can help us further, Thank you, B
Consumer complaint received 2022-06-01
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. (NC)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX acct : XXXXXXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX  Acct : XXXX XXXX  acct : XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct : XXXX In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

WellsFargo did not look correctly into a claim and withdrew XXXX $ from my bank account leaving it negative. Ive spoke to wells Fargo and they dont want to look into it any further the rep stated the claim is already closed as of today which is XX/XX/2019z
Consumer complaint received 2024-03-17
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. (ND)

The XXXX XXXX concluded that my account was properly investigated but how is that possible when the open date, date last active, date of last payment, high credit, past due are inaccurate.? This is grounds for removal. They also violated my rights under 15 US C 1681 section 602 A. States I have the right to privacy : 15 US 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 2022-12-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

Despite repeated requests, I have not received the title to the vehicle that I purchased off lease from Hyundai. I purchased the vehicle and made payment in full, from the expiration of my lease, in XX/XX/2021. I contacted them repeatedly via email to get the title released to me. They have failed to issue the title at required by the sale agreement and under law.
Consumer complaint received 2022-06-01
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. (NC)

XXXX acct:XXXX  XXXX XXXX acct:XXXX  XXXX XXXX acctXXXX XXXX XXXX  acct : XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX Acct : XXXX XXXX  acct : XXXX XXXX acct:XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct : XXXX XXXX XXXX acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX Acct : XXXX US Dept XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX acct : XXXX US Dept XXXX US Dept acct:92 US Dept acct : XXXX  In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-01
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. (TX)

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 XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bankruptcy discharged US Bankruptcy Ct XXXX WI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, 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 I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2022-12-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC (MA)

If paid off our loan on time then we would not recieve any interest charges. XX/XX/2022 was the last day. On the XXXX we paid off the loan submitting 2 payments on line. On the XXXX Greensky charged us XXXX finance charge and then on XX/XX/XXXX they reversed one of our payments of XXXX I called our bank and green sky never attempted to process our payment. From our point of view green sky just reversed our payment in order to charge us all the interest. 

On their website it says that all disputes need to be submitted in writing to then with in 60 days. I have been through this same thing with XXXX XXXX XXXXXXXX. they always claimed to have never recieved our letters even when sent by a lawyer. 

Any help that you could give us would be greatly appreciated. I feel that writing and sending letters would be wasting some of our 60 day window. Thank you so much!
Consumer complaint received 2022-06-01
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

In XXXX, I applied for COVID payment assistance through Chase on my Chase mortgage. The payment assistance renewed every 3 months, and I was told that it would continue to renew through end of year in XXXX. I talked to Chase multiple times that year, each time to renew my payment assistance. Although I was enrolled in this payment assistance program, I continued to make payments for MOST months during the assistance period. Then, Chase incorrectly reported my account delinquent to the credit bureaus in XXXX, XXXX. This is inaccurate. I was misled by Chase, who told me that I was still under a COVID payment assistance program in XXXX and XXXX of XXXX. I feel that Chase was deceptive and did not properly adhere to the CARES Act. It is even more frustrating that I was making payments for most of the months of this assistance, but when I actually NEEDED the assistance to come through for me in XXXX XXXX, it failed me. Chase failed me as their mortgage customer since XXXX.