davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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: WELLS FARGO & COMPANY (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 602. He states I have the right to privacy 15 USC 1681, section 604 a, Section 2. It also states a consumer reporting agency can only furnish an account with my written instructions. Under 15 USC 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Responding to Chase 's FALSE claims of us not submitting the declaration, we submitted it on 3 DIFFERENT OCCASIONS! 
On XX/XX/XXXX 2 wire transactions took place out of our account from Chase in the amount of {$92000.00}! 
I have been ran around in circles by Chase since then, handed over to department after department. I went through a mental health breakdown and am on the verge of losing my business! I can not afford a lawyer at this time. 
CAN SOMEONE PLEASE HELP ME GET MY MONEY BACK?
Consumer complaint received 2022-11-07
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. (CA)

I sent a letter to TransUnion on XXXX/XXXX/2022, because of inaccurate items on my credit report. I informed themthat I want them to investigate and delete all of the inaccurate items. Not only have they not responded, but they didn't update me on the investigation results or the status of my report being in dispute. I have sent them a demand to comply as it is federal law that they infome me of the results of the investigation and that they document that the accounts are in dispute. It is also federal law that the agency investigate any and all disputes and give an updated report of the investigation. This has not been done.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Grain Technology, Inc. (PA)

On ( XXXX/2024 ) I sent an Identity theft letter to ( GRAIN TECHNOLOGY IN, XXXX XXXX  XXXX, XXXX XXXX  ). I have not received a response nor has ( GRAIN TECHNOLOGY IN, XXXX XXXX  XXXX, XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XXXX/2024 ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( GRAIN TECHNOLOGY IN, XXXX XXXX  XXXX, XXXX XXXX  ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Consumer complaint received 2024-03-14
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. (NY)

I am writing to follow up on my recent correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and subsequent removal of disputed negative items from my credit report. Unfortunately, despite my previous efforts, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved and deeply concerning.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023, I sent an Identity theft letter to CAPITAL ONE, and despite more than 30 days passing, I have not received a response nor has CAPITAL ONE complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on On 12/19/2023 and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet CAPITAL ONE has not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.
Consumer complaint received 2021-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (LA)

My husband lost his job XX/XX/XXXX. He began drawing unemployment in XX/XX/XXXX, we remained current on house note until XX/XX/XXXX when his unemployment ran out. Louisiana issued stay at home orders during the time he was on unemployment but we continued to apply for employment through resumes. No hiring was taking place as we had to stay home. My mortgage company refused to work with us from day one. They belittled, battered, double teamed us and the only answer they would give us was borrow from family/friends. We have no one to borrow from. After three surge 's of pandemic and two hurricanes, they still refused to work with us. They have treated us as though we were stupid, telling us we never spoke with people we know we had, harassed us, calling all hours of the evening, after XXXX and at or before XXXX XXXX  and holidays. We finally stopped speaker ng with them. They have offered no loan modification, and our house will be sold XX/XX/XXXX. We are both ill with XXXX  XXXX and will be homeless when evicted.
Consumer complaint received 2024-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

My private mortgage insurance through Carrington Mortgage was supposed to be automatically terminated when my loan balance hit 78 % of the original appraised value of my home. I continued to pay PMI for at least two years after my balance hit this amount. When I contacted the company by phone, none of the representatives could tell me whether I had hit 78 %, but did tell me repeatedly that the PMI would have automatically terminated if I had met the requirements. They suggested I make a written request for PMI to be cancelled. I made this request and emailed it on XX/XX/XXXX to the email address provided. I received no response. I emailed again on XX/XX/XXXX and received no response. I then called on XX/XX/XXXX and was told there was no record of them receiving my emails despite verifying I had the correct email address. I then faxed them a request on XX/XX/XXXX. On XX/XX/XXXX I still had received no response, so I called again and was told that the PMI was canceled on XX/XX/XXXX. However, after being transferred multiple times to different representatives no one was able to tell me when my PMI should have been automatically terminated or when and how I would be refunded for the overpayment. I was again told to email or fax a request for this information. I emailed and faxed this request on XX/XX/XXXX. As of XX/XX/XXXX I still have not received a response. I missed three calls from my mortgage company so I called them back and was told they were calling to check when they would receive my monthly payment ; this made no sense as I am enrolled in autopay and the payment comes out of my account on the XXXX of the month and they had called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am very frustrated that no one seems to be acknowledging the error and no one is working to correct the error.
Consumer complaint received 2022-11-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AC AutoPay LLC, Denver, CO Branch (TX)

On XX/XX/2022 my car was stolen by a man claiming to have a repo order from ac autopay for my vehicle. He was abusive and threatening and said XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I called police. The police forced me to let him to take my car. They refused to let me get my things out as well, including my XXXX XXXX  jewelry and last will and testament, stating I would need to wait on the notice I'd receive after the repossession. I of course never received anything from them. 
I don't owe ac autopay money and they never had a security interest in my car let alone a valid ( or invalid for that matter ) lien on my title. They are an aggregator that my husband tried to use for a refinance. However, they sent the wrong payoff amount, charged sales tax stating he purchased the car from them when he didn't, and failed to remove my name from the title to complete title work and the lender closed the account and reported it as paid in full on my husband 's credit report in XX/XX/2022. The contract has no account info, is dated over a month before they said they completed paperwork, listed it as a sale including illegally charging sales tax, again they never took me off the title while i had nothing to do with the loan, and THE CONTRACT WAS NOT WITH AUTOPAY BUT WITH A CREDIT UNIION. The lender closed the account because it wasn't a valid contract. 
We were told by autopay rep that they don't repo cars and we were asking the wrong people where my car is. We have no idea where it is or where our belongings are. We've heard nothing from anyone about any of it. 
They stole my car. I have verified who the lienholder is and it is listed as the original lender, who did not repossess the car, as we no longer owe them money. They reported the repo on his credit report and we disputed it as fraud and transunion investigated and deleted it from his file. 
As of today I have had to almost 2 months without a vehicle for my family of XXXX, while my car was illegally taken by people who had no right to it. My mothers jewelry was stolen and no one will tell us anything.
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (FL)

We purchased our home in XX/XX/XXXX for $ XXXX. Our taxes per year are around {$6700.00} +/-. We have made every payment on time and in full.

We were making payments of around {$580.00} per month towards taxes and insurance in XXXX and received a surplus check of {$4900.00}. 

In XXXX of XXXX, we were approved for Homestead and received a one time {$50000.00} reduction in our valuation with a maximum of a 3 % increase per year thereafter. 

Our escrow analysis for XXXX came back with a payment of {$220.00} per month for taxes and insurance. 

In XXXX of XXXX, we were told in the new escrow analysis that we have a shortage of {$14000.00} +/- even though we had made every payment to our account. The result was an increase to our mortgage payment of over 100 %. {$1600.00} to now over {$3200.00}. 

We submitted a complaint to TD Bank ( servicer ) for a deeper analysis of how this could happen and they only sent the county 's tax statement.

Our next steps have been to work with an attorney and financial advisor while asking for a forensic analysis to be completed by TD Bank ( not yet completed by TD Bank ).
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WA)

I paid my mortgage in full on XX/XX/2022 via wire transfer. Cardinal Financial confirmed payment in full. However Cardinal has not released the lien on my property. Washington State requires mortgages to be released within 60 days. XXXX XXXX When contacting Cardinal ( also known as XXXX and XXXX ) they claim they need more time to complete the release.
Consumer complaint received 2023-01-06
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify delinquent accounts. Accounts which in fact shows I have late payments. No agency can report me until my account is 30 days past due, not 25 days nor 14 days. I have never missed 30 days payment past my due date on my XXXX XXXX XXXX account XXXX listed below. I may have paid late with late fees but never over 30 days to report to credit bureaus. Transunion states I was late on XX/XX/2021. XXXX states this is a mistake. The system reported 30 days late once a {$30.00} late fee was charged. XXXX told me to make a dispute with the credit bureaus to get it corrected. I have included a copy of my XX/XX/2021 XXXX XXXX XXXX. XXXX has already updated and reporting accurately. My auto payment of {$410.00} is due on the XXXX of every month. XX/XX/2021 I made a partial payment of {$350.00}. Then on XX/XX/2021 I paid the remaining balance of {$68.00} late and received a {$30.00} late payment fee. So the complete auto payment was paid in full by XX/XX/2021. So I was 15 days late not XXXX. This account has hurt my ability to obtain credit. Please remove the 30 days late payment from the account listed below XXXX. XXXX XXXX - XXXX.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I have been attempting to freeze my XXXX child 's credit file with Equifax for months now. Equifax sent all information to a former address ( that the child never lived at as we had moved from that address over a year before he was born ). Upon attempting to get Equifax to update that address, they claimed we needed to provide more information to verify our identities and the child 's identity. This cycle has now happened 4 times over ; we provide to Equifax all they ask for and they return a stock letter claiming more info is needed. We've sent the information they requested by fax and by mail and still they claim more information is needed. 

We have also spoken to Equifax by phone and their employees do not know or understand why we are getting this result but only suggest to " try again '' yet another time. 

Furthermore, we believe Equifax has acted negligently by sending the original notice of freeze ( and presumably PIN number or other identifying/personal information ) to an address that this child never lived at, and we had moved from over a year before he was born. We had promptly updated our address with the XXXX and all banks/credit cards/employers within thirty days of moving, so it was not by any negligence on our part that they had the old address.
Consumer complaint received 2020-09-29
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 — Was not notified of investigation status or results
Company: LAKEVIEW LOAN SERVICING, LLC ()

After numerous conversations to call my mortgage servicer Lakeview servicing I was told I need to submit a credit dispute to remove mortgage lates on my account. When I went i to forbearance due to covid after seeing a decrease in income, I was told by the customer service rep that my mortgage would not report as late. Unfortunately Ive seen 6 mortgage lates on my credit report. On XX/XX/25 I spoke to an XXXX in credit dispute dept and he confirmed that lates should not be reporting. The mortgage lates have cause my credit score to unfortunately tank into the XXXX. Lakeview has been very slow in their response, lack timely communication, and Ive even been hung up on with no call back to resolve my complaint.
Consumer complaint received 2022-11-07
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

As of XX/XX/2022 my car loan was listed as a repossession on my credit. My car was never repossessed nor did Capital One Auto Finance attempt to repossess the vehicle. I filed a credit bureau review request with Capital One, to which I received a letter in the mail stating they were reporting information accurately. I ended up trading the car in. How can I trade in a car that was reposessed?
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

I called chase on XX/XX/19 to close all of my credit cards and replace them since I lost my wallet while I was on vacation. I just got my new cards yesterday and I notice theres still transactions going through on my old credit cards. I couldnt have been more specific I told them to close all my cards and reissue them. Today Ive been on the phone already for 30 minutes talked to 5 representatives and they keep telling me their system has an algorithm that decides which merchants are trusted to allow transactions to go through even though my cards were closed. I ask to speak to a manager and instead I get someone named XXXX who is not a manager who once again tells me their system uses an algorithm to decide which transactions are ok or not.
Consumer complaint received 2024-03-14
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX  XXXX.
Consumer complaint received 2020-08-11
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-09-30
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. (TX)

I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : Account Name : XXXX XXXX XXXX Account Number : XXXX Charge : XXXX
Consumer complaint received 2020-09-30
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. (TX)

I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : Account Name : XXXX XXXX XXXX Account Number : XXXX Charge : XXXX
Consumer complaint received 2020-09-29
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)

I am trying to refinance and got rejected. 
Checking my Equifax, my score is XXXX compared to my XXXX  of XXXX. 

Calling them, making it more difficult to resolve the problem. I need to fax a copy of my social security, ID, and letter. 

Please help! 
XXXX XXXX XXXX
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

Hello, On XXXX XXXXXX/XX/2022, I deposited in person at Citibank, an {$8000.00} check I received from the XXXXXXXX XXXX. The next day, I deposited XXXX smaller checks via mobile deposit. On XXXX XXXXXX/XX/XXXX, I learned that my account had been closed due to unusual deposit information. As a result, they informed me that my balance had not reflected any funds from any of those deposits. When I contacted the casino, I learned that they check had indeed been cashed on the XXXX of XXXX. I am in desperate need of those funds as I have a foreclosure court date approaching on XX/XX/XXXX and I need to have my balance paid to date. Citibank does not have any information regarding where I will receive my funds but said it could take up to XXXX XXXX, This is outrageous! How is this legal?
Consumer complaint received 2023-01-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

I tried to change my password and they said they can't do it then my email is no longer on the account and got removed and without my permission they also refuse to let me change my password until I know the exact approval of a transaction and exact amount and they keep saying they can't let me in my account just to change a password