davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

My mother and father are both and they had a joint checking account at Chase Bank. My mother passed away in XXXX of XXXX my father in the end of XXXX of XXXX, I notified XXXX XXXX The Personal Banker that had called my Father 's cell phone and emailed him telling him he could respond if he needed anything via email or phone on XX/XX/XXXX and returned a voice message left by XXXX on XX/XX/XXXX both times notifying of my father 's death. I advised XXXX that there is a Will ( email attached ) my father passed and that I was filing the will with probate that week and that there was I was the only heir and I was also the executor and that would bring in the letters of testamentary as soon as they were received from the courts. On XX/XX/XXXX my sister who's was named in the will but with no provisions to her from my father went into the bank and was able to withdraw approximately {$3000.00} from his checking account and savings account in addition to receiving information about transactions the account was not closed but the money was withdrawn creating overdrafts etc ... My sister was not a beneficiary on the account it was a joint tenants with rights of survivorship but there were no POD beneficiaries on the accounts. on XX/XX/XXXX my wife and I went into the Chase Bank with the will the death certificates to speak to them and find out how this happened we spoke to XXXX and his manager XXXX works at the branch and XXXX XXXX Texas and they refused to give us information they did take copies of the death certificates and the will and submitted them and said they sent them online for review however they said they would not give us any information until we came back with the letters of testamentary. the following day I emailed XXXX the manager of that location and requested her boss 's phone number due to my sister was able to walk into the bank and withdraw {$3000.00} when she had death certificates but no will and no other information and they gave it this information to her along with the cash yet I couldn't find out any information as to how or why they let her do this. XXXX XXXX response back to us was " Well she didn't do it at this location ''. I don't care where the transactions were completed I care that Chase bank was notified of my father 's death and alerted there was a will, they were alerted differently from XXXX XXXX ( my sister ). At the very least the funds should have remained on hold pending The discrepancy to be resolved. Chase also allowed my sister to cash a check made payable to my father 's estate I'll include a copy of that in the attached documents as well.my sister does have an account there so it's possible she deposited it instead of cashed it but you should be able to research it using the stubthat I'm providing. This is a clear case of your personal banker being negligent by not protecting the accounts.
Consumer complaint received 2022-10-03
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. (NC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation on the charge-off accounts being reported on my credit report. I requested to original signed contract and the payment history proving the account belongs to be and should truly be in collections. For the attached accounts, I have not received any documents for the attached accounts and the 30 day investigation window allowed by the FCRA has expired.
Consumer complaint received 2019-12-02
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: Experian Information Solutions Inc. (NV)

XX/XX/XXXX the errors were reported to XXXX XXXX XXXX -- we were able to determine the information was submitted incorrectly for our adult child with us as being responsible. 
A universal delete was placed by XXXX XXXX XXXX on behalf of the medical facility/ambulance services and professional fees. 
XX/XX/XXXX was sent by XXXX XXXX XXXX in their credit reports submitted monthly. 

This past weekend we found that Experian has still been sharing incorrect information as well as incorrectly reporting this incident in any way. I am told by XXXX XXXX XXXX ( the collection agency which submitted the information ) that Experian is difficult to correct information. This needs to be resolved immediately as the billing was in error from start to finish and is currently rebilled to the proper insurances.
Consumer complaint received 2024-06-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (OH)

I reached out to Freedom Mortgage to get a preapproval Before I decided to put my home on the market I was told I was pre-approved for XXXXXXXX XXXX  so at that time I put my home on the market my property sold And then I found out that I wasnt preapproved. I had a contingency for my property so I move out XX/XX/year> with nowhere to go and now Im standing in the hotel so I applied to another mortgage company and was approval XXXXXXXX XXXX but Im still resigning in the hotel that I have to pay for meals transportation so I reached out to Freedom Mortgage to Compensate me for the inconvenience if I had known, I wasnt preapproved I would not have put my home on the market
Consumer complaint received 2023-01-05
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-04-22
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-07-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

Based on past complaints this Freedom Mortgage has not been able to correct its predatory lending behaviors. 
1. ) XX/XX/XXXX Freedom Mortgage was notified in writing that out home was 100 % tax exempted and we asked the tax in escrow to stop being held. By Illinois state law from XXXX, XXXX XXXX ( S.B 1427 ). Freedom Mortgage did not comply with this law until XXXX of XXXX. * XX/XX/XXXX. 
A. ) The only corrected it from XX/XX/XXXX not XX/XX/XXXX, this issue is still outstanding. 
2. ) XX/XX/XXXX In speaking with Freedom Mortgage I was made aware of a unknown to the homeowners a Insurance policy from XXXX XXXX. *XX/XX/XXXX I called XXXX XXXX to find out about this additional above and beyond the insurance I already had. I was told by XXXX XXXX on XX/XX/XXXX that no such policy exists and has not existed. *XX/XX/XXXX I called back Freedom Mortgage and spoke to XXXX in the Insurance department where on their own recorded call. Confirmed that they had been collecting on this fraudulent policy, that they had in house paperwork showing that this policy had been cancelled from XX/XX/XXXX on a document she ( XX/XX/XXXX ) had received in XX/XX/XXXX. XXXX also went on to verbally confirm the company knowingly continued to take demand the monies to go into escrow for a non existing policy. XXXX also stated very clearly that they would continue to demand the funds irregardless of insurance policy or not. 
A. ) Freedom Mortgage force placed a {$1900.00} insurance policy to cover for the time that the did not actually have the fraudulent insurance they placed on the house. I was told by XXXX who is a special associate that this would not be the case that they would assume the cost since it was their mistake. I will be sending formal complaints to Illinois Division of Insurance Licensing with a request that this company be barred from working in the state. 
B. ) We are working with a lawyer provided by the VA to help us if this is not resolved within 30 days C. ) All Insurance and late fees because of this need to be removed since they are trying to collect on a fraudulent DEBT. 


This company has a history of not following Federal and State mandated laws in regards to fair housing and mortgages.
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NVR INC. (MD)

I entered into an agreement to build a home with NVR back in XXXX of XXXX. They broke ground in XX/XX/XXXX. I was tentatively approved for the loan back in XXXX, hence why they broke ground. On XX/XX/XXXX, one of the loan processors reached out asking for my most up to date pay stubs amongst other things. When I sent my most recent paystubs they asked why there were practically no taxes taken out. This is because on XX/XX/XXXX I became XXXX statutory for my employer, which means that I am an employee of XXXX, however I am able to write-off my business expenses. 
Closing was scheduled for XX/XX/XXXX at XXXX... I went back and forth back and forth, having to provide XXXX signed documents from myself, letters from my HR, letters from my boss, all saying the same things, that my pay has not changed at all, nor have my expenses, just that I get to now write-off the same expenses I had. All the while I was working with the loan processors during this 4 week span, they never once said to me that in order to qualify for a QM you have to have at least 1 year of XXXX  statutory. They ONLY said that there is an issue with the fact that I have only been XXXX stat for 2 months. Friday XX/XX/XXXX came and I was still not approved. Monday morning XX/XX/XXXX came and I was still not approved. Only at XXXX when we were supposed to be at settlement we find out that FINALLY the matter has been escalated to a Senior Underwriter. While the movers were at my old residence since XXXX, my loan processor said to plan on a XXXX settlement. XXXX came and I was told by this loan processor to sign the docs, but there was a hold up in being able to find someone to buy the loan off of NVR . Once my wife and I signed the docs, they collected my {$100000.00} which was wired to them earlier that morning, confirmed recieved, and the notary signed off, the docs were sent back to NVR. NVR then responded to the notary to NOT RELEASE THE KEYS to the buyer ( myself ). We have been homeless since Monday, and I have XXXX  kids. I have not been able to work since Thursday with all of this stress that has come from the uncertainty. Here we were. Tuesday XX/XX/XXXXXXXX XXXX XXXXXXXX and we still do not have word on whether we have the ownership of the house. We have to keep staying at a hotel with no idea what is to come. The issue is not the approval, the issue is that the incompetence of the underwriters sitting on the decision for a MONTH before it was escalated, and waiting till actual settlement day, is what has put me and my family through an INCREDIBLE HARDSHIP. We are beside ourselves, and this has completely ruined what should be a joyous time in our families lives. We are considering legal recourse with my family lawyer.
Consumer complaint received 2022-12-22
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: DISCOVER BANK (MD)

I reached out to discover for debt validation and upon checking the statement received and charges. It shows there was an outstanding balance as of XX/XX/2020 for {$1800.00} but after checking on credit reports, it shows discover reporting I owe {$1900.00} which was not provided on the statement/validation received from them. 

Under 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Statement was for XXXX XXXX XXXX and after the account was closed, it shows on XX/XX/2020. It shows I had an outstanding balance of {$1900.00} but the validation was wrong as it states I owe {$1800.00}. Investigate this and do necessary deletions.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

XX/XX/year>, I mailed a certified letter to PORTFOLIO RECOVERY ASSOCIATES , LLC requesting the validity of the alleged debt they claim I ole. After not receiving any response. I mailed a second certified letter, on XX/XX/year> requesting the same information a validation of the debt. PORTFOLIO RECOVERY ASSOCIATES, have yet to respond to my request. Therefore, XX/XX/year>, I have mailed PORTFOLIO RECOVERY ASSOCIATES another letter requesting the validity of the alleged debt with original copies of information requested.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Today on XX/XX/2019 I opened my credit card statement and I find that on the XX/XX/2019 that Transunion charged me {$26.00}. There is no way I agreed to the charge and I distinctly remember not clicking on anything or agreeing to anything that constituted a charge. On Transunion 's website in order to file a dispute a consumer is forced to agree to a credit report " refresher '' ( see below ) I take issue with this for the verbiage is ambiguous and does not make it clear that an individual is being charged. ( naturally Transunion will contest this but any notification of charging is in the fine print as they say ) in addition Transunion has charged me a total of {$84.00} and while these charges I agreed to the fact that Transunion to the day of this writing still hasn't satisfactorily resolved my issues.
Consumer complaint received 2019-12-10
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. (CA)

My lender pulled a copy of my credit report and there are two accounts reporting late payments as of this year and that is impossible because the accounts were paid off completely in XXXX. XXXX  XXXX XXXX XXXX is reporting late as of XX/XX/XXXX yet all the information showing paid and last activity was XX/XX/XXXX ( when the account was truly paid off ) The other account is with XXXX XXXX XXXX XXXX again shows last payment XX/XX/XXXX and max delinquency XX/XX/XXXX. Again this was paid off in XXXX so how can the last Delinquency date be XX/XX/XXXX??????? I am not sure which bureau is reporting this false information since what was received was a merged lenders report but I want this false information fixed. There should be no late payments on either account this year or even last year!. This was disputed several times so why is this reporting wrong?
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Maturity date on the mortgage statement was changed by -17 years. Line item description was changed from maturity date to contractual due date. The loan is conventional, fixed rate, no defaults, no foreclosures, no refinancing, or any other activity regarding the property. Getting a different response from mortgage company and a different response from the servicing company.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation on the charge-off accounts being reported on my credit report. I requested to original signed contract and the payment history proving the account belongs to be and should truly be in collections. For the attached accounts, I have not received any documents for the attached accounts and the 30 day investigation window allowed by the FCRA has expired.
Consumer complaint received 2019-07-15
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ],  these disputed items must be re-investigated or deleted from my credit record within 30 days. i have been patient and it has been long than 30 days and I still have not heard back anything! If it is determined through your investigation that the disputed items are inaccurate, please update my creditfile and send me notification that the information has been updated or deleted. According to the provisions of 612 [ 15 USC .1681j ], there should be no fees and I need this asap.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

I contacted Lexis Nexis last week. I asked Lexis Nexis to suppress my information because a lot of what is on there is erroneous. I submitted my information 3 times online for suppression. This was not done.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My lender pulled a copy of my credit report and there are two accounts reporting late payments as of this year and that is impossible because the accounts were paid off completely in XXXX. XXXX  XXXX XXXX XXXX is reporting late as of XX/XX/XXXX yet all the information showing paid and last activity was XX/XX/XXXX ( when the account was truly paid off ) The other account is with Specialized Loan Servicing XXXX again shows last payment XX/XX/XXXX and max delinquency XX/XX/XXXX. Again this was paid off in XXXX so how can the last Delinquency date be XX/XX/XXXX??????? I am not sure which bureau is reporting this false information since what was received was a merged lenders report but I want this false information fixed. There should be no late payments on either account this year or even last year!. This was disputed several times so why is this reporting wrong?
Consumer complaint received 2019-07-15
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: ID Analytics, Inc. (OH)

XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX XXXX. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX  XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.
Consumer complaint received 2019-12-10
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. (SC)

On XX/XX/2019, I sent Equifax a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts appearing in my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked Equifax to remove the fraudulent item ( s )  from my credit file and requested that they send me an updated copy showing the correction. As of today, I haven't received a copy of my credit report and the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I was XXXX  for 19 years, and XXXX  on XX/XX/XXXX. I was able to briefly see that someone took a car out in my name, credit cards, etc. then I get a letter from franchise tax board saying I owe {$2000.00} or else from XXXX. I began my XXXX in XXXX. I tried calling them and credit bureaus with no success. XXXX, XXXX, equifax, etc. all gave me run around and blocked me out. I filled out all the paperwork they required online and then wrote me saying the info was a problem so couldnt send my free report.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriFirst Financial Corporation (MI)

I was not notified of the foreclosure. Also, two lots are being taken from me when only one was financed. 

Payments were made to Amerifirst in XXXX, XXXX and XXXX of 2018 but not credited to the account. They would not accept any more payments after this. 

Amerifirst should have known that I had federal debt and shouldn't have given me a federal loan.