davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

On or about XX/XX/XXXX - we submitted a mortgage refinance application with a chase home lending. Our current servicer. As of XX/XX/XXXX - all required documents were submitted and Chase required a {$500.00} good faith deposit. Indicating this was required to move forward and schedule an appraisal. The {$500.00} was charged to my XXXX. 

On. XX/XX/XXXX an appraisal was conducted at the subject property by a licensed appraiser hired by Chase directly. The report was furnished directly to Chase on or about XX/XX/XXXX. Since XX/XX/XXXX I have been requesting updates and requesting to see the completed appraisal to no avail. Only met with our processing team is reviewing At this point Chase Home lending is engaging in deceitful practices and not operating in good faith. The report has been in their possession for 10 or more days and they refuse to be transparent. The report can be reviewed, however, it is static and their only job is to upload. After several attempts at escalating Chase has failed to meet the consumers requirements and has established a trend of mistrust that seems to continually plague ( previous overdraft charge policy ) this organization and is creating consumer harm. Hey be delayed my processing and prevent me from pursuing other opportunities by holding funds and not acting in good faith. 

I also believe Chase Home Lending to be non-compliant in complaint logging and resolution.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX " Late Payments '' - XXXX, XXXX, XX/XX/2021 XXXX XXXX XXXX  " Late Payments '' - XX/XX/2021 These companies shared Improper information on my credit report which is a violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. Remove items and report positively on my credit report. I did not consent, nor benefit from the following information being reported on my credit report. Please fall in line with the laws that are set for consumers. Thank you in advance.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On the morning of XX/XX/2021 I tried to log into my account through mobile banking. The usual option to have a 2-factor-authentacation code messaged to my phone was unavailable and I was forced to call in. Unfortunately, the phone system was unable to give me a code. I then tried to sign in through a computer which would send a code to my phone messages, but after entering it the system would instantly log me out. I then attempted to contact customer service multiple times, but the online phone system is again not working and was unable to reach a representative. I have no way of accessing my account or getting help.
Consumer complaint received 2021-10-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (GA)

I Consumer XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Navy Federal Credit Union made me purchase insurance separately. The finance charge is also supposed to include service to the vehicle but that didnt happen. Navy Federal also failed to inform me of my right to rescind.
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

In XXXX of 2022 I sent a certified letter requesting more information about the account including a document signed by me agreeing to open the account that is dated. They never responded and they still have the account wrongfully listed on my credit report.
Consumer complaint received 2021-10-01
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. (FL)

On XX/XX/2021, the credit reporting agency ( listed in this complaint ) was notified via letter the accounts listed ( in the letter ) were a result of identity theft. As per FTC guidelines, the required document was mailed to the credit reporting agency supporting my claim. The Identity Theft affidavit, copy of drivers licence, police report, and copy of credit report accompanied the letter. The letter that was sent stated I did not open nor did I authorize anyone to open a said account in my name. According to the FTC policy, after being notified of such an identity theft claim and proper documentation has been received, the credit reporting agency must remove and stop reporting inaccurate accounts within four days. As of today, the credit reporting agency has not made efforts to remove said account causing me great harm and has damaged my reputation.
Consumer complaint received 2021-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021, the credit reporting agency ( listed in this complaint ) was notified via letter the accounts listed ( in the letter ) were a result of identity theft. As per FTC guidelines, the required document was mailed to the credit reporting agency supporting my claim. The Identity Theft affidavit, copy of drivers licence, police report, and copy of credit report accompanied the letter. The letter that was sent stated I did not open nor did I authorize anyone to open a said account in my name. According to the FTC policy, after being notified of such an identity theft claim and proper documentation has been received, the credit reporting agency must remove and stop reporting inaccurate accounts within four days. As of today, the credit reporting agency has not made efforts to remove said account causing me great harm and has damaged my reputation.
Consumer complaint received 2021-10-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NC)

I have a letter From Experian saying that a particular account was deleted XX/XX/2021. 

As of XX/XX/2021 I pulled an updated credit report and that item is not deleted. 

on my XXXX and XXXX this item has been deleted and not on the report.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (NC)

I received a flyer in the mail stating that I could earn up to a {$500.00} bonus by registering on regions.com/offer using a personal code and by opening a personal lifegreen checking account. The flyer stated i would get {$400.00} for opening the account and an additional {$25.00} for completing 4 other activities with the account. Once complete, the bonus would be paid in 90 days.

-Download and log into the regions mobile app -Deposit one check -Set up regions direct deposit -Make 10 or more purchases on the check card The new account had to be opened prior to XX/XX/XXXX. 

I went to regions.com/offer and entered the personal code and my email address. I also opened the account and completed 2 of the 4 additional activities prior to the end of XXXX. Here is where the problem arises. Apparently the mail man delivered this flyer to the wrong address. It was addressed to my neighbor. So in 90 days when I hadn't received my bonus, I brought the flyer into regions and asked why the bonus hadn't been paid. It was at this point that they saw the flyer that I received in my mailbox wasn't addressed to me. Therefore the bonus wouldn't be paid. This was the first time that I ever looked at who the flyer was addressed to. Here is my complaint though. I went on regions.com/offer. I typed in the personal code on the flyer. I typed in my email and I established an account with my name and address and social security number. Never once did the system say that i wouldn't be eligible for the bonus because my name didn't match the flyer. I would expect there to be some sort of notification saying that I wouldn't be eligible prior to 4 months after I opened the account and completed the activities. For this reason I believe I should be granted the bonus for establishing the account and completing the activities that I did. This would amount to {$450.00}.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2021, TD Bank accepted two checks for deposit made payable to me, my wife, as well as our lender XXXX XXXX XXXX XXXX. TD Bank cashed these checks despite the fact that the checks were not endorsed by any of the parties the checks were made payable to. The checks were in the amounts of {$13000.00} and XXXX respectively. TD Bank check detection contacted us by phone from XXXX to explain that an account holder had deposited the checks into their bank account on our behalf. We explained that the checks had not been received and no such permission had been granted. We later determined that the checks were mailed inadvertently to a previous address and stolen presumably by a TD Bank account holder. When we contacted TD Bank back to resolve the matter they refused to provide us with any information and do not return our calls. Copies of the checks provided clearly demonstrate that proper bank protocol was not followed. The following actions have been taken to no avail : a police report has been filed, USPS notified of the mail fraud, and affidavits filed at the issuing institution : XXXX XXXX  XXXX. Copies of the documents have been attached.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third Bank in Ohio purchased my existing home mortgage from XXXX XXXX, XXXX XXXX, FL, in XX/XX/2021. The home and mortgage belong to my partner and I. XXXX had all information correct and online mortgage payments were easily made. 
Multiple attempts to setup the new Fifth Third mortgage account online, and with their customer service department were futile. I was told due to their error in transposing my Social Security number being associated with my partner 's cell phone number upon the mortgage assumption from XXXX ; it could not be accomplished online or by phone. 
It must be accomplished at a local Fifth Third Bank. There is only one location in XXXX XXXX, and due to danger of COVID exposure with my health status, it is not an option. My partner lives in Oklahoma, and there are no Fifth Third Bank locations.

It seems irresponsible to risk my health to visit their one branch office, to try to potentially, and with no assurance, resolve an error of their responsibility. I was also told I would need to setup an ATM card with Fifth Third, in order to be able to receive the benefits of online mortgage servicing. I am very much concerned for their customers with XXXX ; and requiring additional accounts for mortgage servicing. 
Thank you for any assistance. It is much appreciated.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

I just received a phone call from XXXX XXXX, XXXX  the party hired by JP Morgan Chase Bank, NA to illegally foreclose on my home on XXXX XXXX, XXXX in violation of federal laws of reporting debt 15 U.S. Code Section 1681. See Attached credit report showing that the obsolete mortgage " debt '' no longer exists and yet Chase is still trying to illegally take my home from me when there is no debt to be foreclosed on. Also, I am XXXX yrs old, indigent, XXXX recently having had XXXX XXXX doctor recommended to avoid stress or face XXXX XXXX or death from these stresses. 

This is Senior Abuse which is in itself a crime. please look into : On XX/XX/XXXX. XXXX, President Trump signed into law the Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), identifying the need for data on elder abuse. ... The law also enhances the Elder Justice Act and ensures that Adult Protective Services can be used to protect the safety and dignity of all seniors. I am asking the CFPB to step in and stop these Federal crimes and illegal acts against this XXXX, senior whom just had XXXX XXXX. THIS IS NOT IN LITIGATION!!! 

THIS IS NOT A DUPLICATE COMPLAINT!!!!!!!
Consumer complaint received 2022-05-26
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. (TN)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PLANET HOME LENDING, LLC (TX)

On XX/XX/XXXX I paid {$200000.00} on an original loan amount {$380000.00} loan. At the time of payment the loan was recast at {$170000.00}. In XXXX I was informed that my escrow account was not sufficient to pay taxes and insurance and after examination I discovered that PMI was being charged and called my provider and then filed a complaint with them online. The response was you did not ask for it to be removed and we do not base our PMI on loan to value we base it on the amount of the loan that is paid off by recasting the loan it is not paid off to XXXX percent. I submitted proof of the houses in the area that sold that my loan to value has been reduced and they remove the PMI now but refused to reimburse prior payments when it should have been removed already under Homeowners Protection Act of XXXX ( HPA or PMI Cancellation Act, or Act ).
Consumer complaint received 2024-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (AL)

If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NJ)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is reporting inaccurate and incomplete credit information. The credit report Experian provided shows a history of payment or payments being made late that are not proven and are incorrect. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber , USCA-02-C-0072, 7th Circuit Court , Sept. 2004.
Consumer complaint received 2021-10-01
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. (FL)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited money order ( s ) in 2019, sent to me by an employer, the employer turned out to be a Fraud, Bank of America cashed the money orders through ATM deposits as well as in person XXXX XXXX Bank of America on XXXX XXXX & XXXX in XXXX, California -BofA employed Teller then put a XXXX $ insufficient funds mark in my Account & closed it. I called them, wrote Emails to resolve & BofA ignored every call, every email, every time! I was a victim of fraud $ spent $ of my own, turned it into an FBI Fraud line & nothing has been addressed answered or acknowledged
Consumer complaint received 2019-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with an account listed under Commonwealth Financial. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

Comenity- Ann Taylor Credit Card -- Card balance was paid in full directly on the providers website, they then applied a credit charge that was not billed in the next cycle and was applied to a XXXX balance. I have emailed the company multiple times and they are kicking me back and forth between departments and not resolving the issue. They have now applied late charges and it is impacting my credit report.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below need to be deleted from my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have 2 credit card accounts with Bank of America that originally required separate logins to access the accounts online. Sometime back they changed this to allow for a single login for both accounts.

While this may seem to be better for the customer, there is a significant problem with the web site setup that causes the customer to sometimes pay the wrong account and result in the customer paying additional late fees. When I open the website card # 1 is at the top and card # 2 at the bottom, however when I click on the bill pay button the order is reversed. As a result of reversing the order the customer may mistakenly pay the wrong card unless they carefully inspect the account numbers ( which is in small print ).

I talked to a Bank of America agent who said SHE HAD MADE THE SAME MISTAKE and understood why it was confusing but nothing she could do about it. I find this reversing of the account order to be very deceptive and believe it is setup this way to trick the customer into paying the wrong bill for the purpose of collecting additional fees.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NY)

After numerous request with Synchrony Bank. to send me statements for my accounts, I still am not receiving my statements. 
On my XXXX XXXX XXXX Card, my name on the card is incorrect. It should read XXXX XXXX, XXXX.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

This collection agency is reporting on my account even though the original creditor was already paid. I have spoken to the collection company and they advised me that this account was already removed from their reporting and has requested the bureaus to no longer report this account on my file.