davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

I received a check for {$20000.00} from sales proceeds in a real estate transaction. The funds were disbursed to me from an attorney handling the closing for us. Closing took place on XX/XX/2018. I promptly deposited the funds into my account later that same day. Thereafter, I left to go on vacation. 

On XX/XX/2018, while in Tennessee visiting friends and family, I went to a local branch for my bank to check on my funds. I learned that my account was closed. I followed up with the bank to try to find out what was going on and I was told that the check I deposited on the XXXX needed to be verified. While on hold, the bank called the attorney who verified the check, and then I was told there was nothing that the bank could do, the account was closed, and that a cashier 's check was going to be issued in about 7 to 10 days to me for the account balance. No reason for the closure was given. 

I returned home to Washington state on XX/XX/2018. I still did not have my funds. I went to the bank and was still told that the account was closed and there was nothing that could be done. I also still had not received by funds. I checked my mail and saw that on XX/XX/2018, the day after I made my deposit, that my bank sent out a letter, post marked on the XXXX, that I could not use my account because it was blocked for not providing information or because of some kind of activity. The bank would not explain what information was needed, if any, or what the activity was. No reason has ever been given for why my account was closed and funds still withheld. 

I had the attorney who issued the check confirm with his bank whether or not the check cleared. The check had cleared. My bank is holding the funds and is refusing to return it to me. A copy of the letter they sent on the XXXX, dated the XXXX, is being uploaded.
Consumer complaint received 2017-09-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

My husband and I were XXXX from bankruptcy in XXXX XXXX. We were instructed by our attorney to begin paying our mortgage with our XXXX XXXX payment in which we did. Prior to this it was paid by the trustees office. In XXXX XXXX we tried to apply for a new air conditioning unit for our home and we were denied. I then pulled our credit report and that 's when I saw that it was being reported late for the month of XXXX or XXXX. That is when I called Bank of America to question this reporting and they told me I need to pay more money to catch up my payment. I asked them how was that possible when I just began paying and everything has been payed as agreed by the trustees office. I requested a payment history from them in which I could not follow because of how they entered things into the system. I had been calling them for months to no avail when we received a letter telling us that our mortgage servicer was changing to another company. We were upset about that due to the fact that we had been trying to fix this problem and it has n't been fixed. I have since disputed the late on my credit report and it was removed but now my new company has reported us late and we have not missed a payment since we started paying in XXXX XXXX. I recently disputed this with Bank of America with a letter to thier dispute department. They have refused to correct this error stating that it is not their error but ours. The response that was mailed back to us stated that they refunded us the money because it was placed in escrow. I have combed through my paperwork and nowhere does it show anything different was applied to escrow other than what was supposed to be applied. Also they stated that we missed our XXXX payment and we did not. They did not receive the XXXX payment because the letter that we received informing us of the transfer informed us not to pay them after the XXXX of XXXX. Since I had not received my paycheck yet, I had to wait until after the XXXX to pay my mortgage. I have even tried to correct this with the new company and they refuse to because it was sent to them with a late status. I have attached all the documents that I believe you will need. We have tried everything and to have your credit be torn down by something that we ca n't control is mind boggling. We have been trying to rebuild our credit and this is n't helping. 

Please do not hesitate to contact me if you need more information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2024-03-02
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED COMMUNITY BANK (GA)

I need address to send court subpoena to United Community Bank about my XXXX XXXX XXXX refinancing to a FHA on XX/XX/XXXX, mortgage loan account XXXX, Monthly mortgage payment {$740.00}. New principal balance {$61000.00} new interest and principal monthly amount {$430.00}. Before this refinance my original conventional mortgage loan was with XXXX XXXX XXXX XXXX XXXX. mortgage loan acct # XXXX, My monthly mortgage payment was {$620.00}, and my interest and principal monthly amount was {$310.00} ever since XXXX and my principal balance at time of Refinance with United Community Bank was {$44000.00}. 
XXXX XXXX XXXX XXXX XXXX. - Servicer of Loan # XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - assignee of Deed Transferred my Mortgage Loan to XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX or XXXX ) same new mortgage loan # XXXX on XX/XX/XXXX ( Trying to cover-up Fraudulent activity with my mortgage Loan Account ) Civil Case # XXXX XXXX XXXX XXXX XXXX In the States District Court XXXX XXXX XXXX Summitted more evidence to court XX/XX/XXXX about cover-up. 
I want to make sure that I did NOT have to deal with Mortgage Fraud again. That was the reason for my mortgage refinancing. ( only to discovered new cover-up ) I was told that United Community Bank DO NOT SALE their Mortgage Loans, and they service them in house or through XXXX XXXX XXXX  XXXX and my FHA loan servicer would be XXXX  XXXX XXXX  # XXXX ( note : XXXX XXXX XXXXXXXX XXXX XXXX that United Community Bank said they transferred my mortgage loan to NEW account # XXXX ) But that is not the Mortgage loan number, I have for XXXX XXXX  XXXX XXXX. New mortgage account # XXXX Note : I filed my first complaint against United Community Bank on XX/XX/XXXX, and not what you listed on your response letter that the date was the first of XXXX. 
and XXXX XXXX attorney with XXXX, XXXX XXXX XXXX, XXXX. - XXXX was your Representative for United Community Bank, now that I'm receiving some of the documents I requested, I would have NEVER changed my Mortgage loan from a Conventional Mortgage. Is this attorney is working with the XXXX XXXX, fraud for profit, property, and fraud for criminal enterprise. XXXX XXXX XXXX misleads me at refinancing closing date on XX/XX/XXXX. I'm received documents forms that i had never seen before. 
New Discovered evidence show proof of Fraudulent Documents Fraudulent monthly mortgage loan Statements with different company 's names Fraudulent 1098 forms with different information. 
and misleading Deed Information
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (OK)

Diversified Consultants, Inc. ( DCI ) has again reported an account that they promised they would delete from my credit report ( see attached letter ). 

Please reference complaint # XXXX. 


On XX/XX/2017, I submitted a complaint ( # XXXX ) regarding Diversified Consultants, Inc. ( DCI ). DCI was reporting an {$88.00} debt of which i had never been notified or contacted. They did respond and agreed to remove this account from my credit file. Their response letter stated " DCI has ceased collection efforts and closed the account in our office. A deletion request has been submitted to the credit bureau. '' On XX/XX/2017 I received alerts from all 3 credit bureaus that DCI was again reporting this same account they said they would delete. Please see attached letter, from Compliance Analyst XXXX XXXX at DCI. This letter is DCI 's  response to my initial complaint ( # XXXX )
Consumer complaint received 2022-05-31
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

Upon checking my Equifax credit report I noticed some inquiries on my credit report that are fraudulent according to the ( FCRA ) these items are unauthorized and unverifiable and must be removed from my credit report. 

XXXX XXXX Bank. XX/XX/2022 Capital XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 2022
Consumer complaint received 2022-05-31
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. (TN)

In accordance to the Fair Credit Reporting Act, The XXXX Bank account has violated my rights. they are reporting a balance of {$250.00} on all 3 of my credit reports. As the account was closed/charged off over a year ago, I should not have a balance reporting on my credit report.
Consumer complaint received 2022-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case FAIR COLLECTION AND OUTSOURCING is attempting to collect as XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the 3 Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX WY XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (VA)

WHERE IS MY CHECK???? YOU ALL STOLE MY MONEY AND I WANT IT BACK IMMEDIATELY!!!! THIS IS 100 % ILLEGAL!!!!! COMPLETELY INCOMPETENT!!!!
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (KY)

In XXXX I called and requested SCRA benefits be applied to my account. I was told that the only manner in which the company would receive communication about military orders was either by mail or fax. Upon faxing my documents I was told on XX/XX/XXXX that they were applied but none of the previous charges I incurred would be adjusted to the 6 % maximum interest rate and I would still need to pay those charges even though I would have been eligible for the benefit on those charges. When I spoke to a phone representative on XXXX she told me that " It was not the company 's fault that they did not know I was in the military ''. I reviewed the SCRA policy with military legal department and I was assured that the charges in question were covered under the SCRA.
Consumer complaint received 2022-06-20
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. (FL)

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 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: Professional Placement Services, LLC (WI)

XXXX  is reporting a two open fraudulent accounts XXXX XXXX XXXX, XXXX/XXXX  as past due and three collection XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account on my credit report. I disputed this fraudulent account XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. At this time it was with a different collector called XXXX XXXX XXXX. After disputing this fraudulent account with the XXXX XXXX XXXX  and XXXX XXXX XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX, XXXX. XXXX and Professional Placement Service a new collection agency. Even with a different account number it seems XXXX  and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XXXXXXXX/XXXX  credit card that is also reporting on my credit report. These accounts is not mines as it was established as a result of identity theft.I disputed these fraudulent accounts and the XXXX XXXX XXXX and XXXX/XXXX  credit card remained on my report however the XXXX/XXXX  inquiries disputed as fraud were removed. How can XXXX  agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of XXXX being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!
Consumer complaint received 2017-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

This particular offense started on XX/XX/XXXX and now on XX/XX/XXXX. My acoount has always been on ALL alerts, somehow these alerts kept/keep getting 'reset ' by chase. In XX/XX/XXXX a telephone banker reset my alerts to have a blackout period which does not work for me. I was charged another, of many, late/overdraft/insufficient funds fee because of their system problems or situations. I have had my bank account with chase since XX/XX/XXXX/XX/XX/XXXX and have never had so many problems as of late. I am on social security and XXXX so I have to run my checking account the way I see fit and for years it has worked, until recently. Chase has a computer system that keeps changing peoples alerts and they start charging all the high late fees. I would like my fee refunded. Chase is not a good bank for people that are not wealthy, I am in the process of looking for a new financial institution. My settings were set to let me know if I was going into overdraft and allowed me to cover that overdraft with a quick deposit before XXXX eastern time. With their computer resets it is not sending me the alerts I have had set up or requested. That is a false and seems to be an illegal business practice to me.
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (MA)

My identity have been used for unemployment benefits I see also an credit card was been used that I had no knowledge of this its with XXXX  XXXX I saw it on my Credit report I would like to dispute this immediately thank you
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

We started a loan with XXXX XXXX XXXX in 2007 when we bought our current home. After a few years we were transferred over to a company called OCWEN ( without our permission ) and eventually the problems started. After several more years, we were transferred to PHH Mortgage ( again without our permission ). Our main complaint / concern is that we now owe more that we originally borrowed. We make our payments on time every month and are getting nowhere. PHH Mortgage is a very difficult company to deal with. My husband has been on the phone with them for 3 hours straight ( at one time ) and they just pass him from person to person with no resolution to our questions. They are applying fees and penalties that we have no idea what they are or mean. They say we are behind between {$8000.00} and {$9000.00} on payments. We got a letter from them about 4 weeks ago stating we are in pre-foreclosure. At this point, we are exasperated, worried, and frustrated. We have been paying payments on our home since XXXX of 2007 and are getting nowhere. We just keep getting the run-around and feel that we are being mistreated and that our money is being misappropriated. We need help please! Let us know what you need further to address this. We are out of answers and don't want to lose our home. It is also affecting our credit scores.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (IN)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-11-28
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. (MO)

In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 

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. 

Account name : XXXX XXXX XXXXXXXX XXXX, Account name : 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to inform the 3 Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Bankruptcy Reference XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX.