davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I received from my home insurance company a cancellation of policy, upon review of the escrow balance it was noted that JP Morgan Chase had not paid our homewoners policy. 

I contacted JP Morgan Chase on XX/XX/XXXX, they indicated they had paid a policy in XX/XX/2021, our home policy runs XXXX to XXXX. Upon further research it was found JP Morgan Chase Escrow Service had paid another XXXX 's policy in my town with the name XXXX XXXX from my Escrow. 

We held a 3 way conference call between JP Morgan Chase Escrow and the other person 's insurance company. The JP Morgan Chase representative was blaming the other parties insurance company, after further review the other insurance company confirmed JP Morgan Chase had indeed sent the funds. 

I have been trying to get my escrow funds restored, clearly JP Morgan has made a mistake, no " supervisor '' or decision maker is available to resolve the issue and they do not want to accept accountability for their mis-handling of escrow funds.
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : 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 2022-04-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NJ)

GM Financial account # XXXX I purchased my lease for {$27000.00} this included NJ sales tax. 

I have not received any documentation from GM documenting that I purchased and paid sales tax. I CAN NOT register without this information.

I have called GM 11 times and have not received this information in spite of the fact that they keep telling me that I will I am asking for something in writing noting the sale price and the specific amount paid for NJ sales tax
Consumer complaint received 2022-12-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-05-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1. The status is incorrect for the following account XXXX XXXX XXXXXXXX Account Number : XXXX Under XXXX XXXX XXXX this is a billing Error always paid as agreed on time this is an error this account in Violation.

2. The following account is not mine XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
3. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

4. The following account is not mine XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

5. The following account is not mine XXXX  XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

6. The following account is not mine XXXX  XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

7. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
8. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

9. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

10. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
11. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
12. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
13. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
14. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
15. The following accounts were closed by me and should state that XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc. (VA)

Sent in several letters stating inquiries are Unauthorized. 
These are the following inquiries that are unauthorized : XXXX XXXX XXXX XXXX XXXXI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  investors XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Neon Newco Corporation (FL)

I applied for service from a property due to the fact that I just moved literally no where to go and I ended up talking to a different company about the same house. So as I'm communicating with the sales rep, I stated that I just applied and paid for a application though another company but I haven't heard back from them at all and it's was maybe a confusing moment but she was like that's not our house, which was weird because it's the same house I applied for but on a different website. I expressed my concern with my XXXX  card only saying that I paid for this service as a dispute but never received any service as I done before in the past. Instead of calling me to find out what's going on they closed my account, I have called, email and I keep getting the back and forth to call or to email. I was told by a customer service agent that the card was reported stolen and I never even did that, I had the card on my person. Now so the money I had in my account no one can give me answers about that and what makes me upset is that they couldn't give me a courtesy call so I could have gotten to the bank and grab some money, I have no money, I just moved so where the money going and no one can help me. It's not right to closed someone account for the wrong reasons.
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion, XXXX and XXXX are reporting incorrect information to creditors on my credit reports. My credit scores are being lowered drastically ( which are incorrect ) when reporting to creditors. In addition to items still reflecting on my credit reports that shouldve been removed. These issues are reflecting my credit score immensely.
Consumer complaint received 2022-05-22
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. (AL)

I have disputed with equifax several times by mail about unauthorized inquiries on my credit report no action has been taken I have also called about this issue I want equifax to remove all inquiries that are listed below because I didnt authorize them. 

1. XXXX XXXXXXXX XXXX  XXXX, XXXX 2. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2022-05-22
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2024-02-16
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: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I never gave XXXX XXXX XXXX permission to access my credit report. I called Transunion and sent in a letter and Transunion have not removed this inquiry off my credit report
Consumer complaint received 2022-05-22
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: BMO Bank, N.A. (IL)

I reached out to BMO Harris about an issue with the purchase on my credit card statement on XX/XX/2022. However, in their response they declined to do anything about the charge. All I would need to get done is to dispute a charge from XXXX & XXXX XXXX XXXX XXXX NY posted on XX/XX/2022 for the amount of {$1600.00}. The reason for this dispute is that I have returned the purchase to the merchant but have not received a refund as of yet. Order was returned with a label provided by the merchant via XXXX  ( tracking XXXX ).
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-08-08
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: SYNCHRONY FINANCIAL (HI)

Lowes/Synchrony bank card declined at Lowes. Learned that Fraud Dept closed account but would not explain why, or what transaction triggerred this closure. They locked me out of my Online Log In so I can not assess what is valid or not. On over 10 calls they have refused to talk to me or email me a list of transactions. One agent promised that I would received an email no later than 48 hours with a list of transactions. Instead, I get a message saying I need to log in to access an important message ( I have several such messages, despite the Bank locking me out of Online Log in ). How stupid is that!!! This could be error or Fraud, possibly insiders at the Bank or a rogue Lowes employee. I can not get their silly iphone verification process to work after several attempts. 

The account was closed by bank, which is fine with me, as I never want to waste another minute with this bank. However, my account is set for autopay and I dont want to payment to occur without having opportunity to review the charges they have attributed to my account. Again, this has been handled so badly, compared to any other bank I have dealt with over 50 years, that I suspect bank fraud. I need the data!! No other bank would ever deny a customer access to card card charges so cardholder can assess validity. I believe there are fines for Banks denying customers access to this data. I want the CFPB to levy maximum fines for egregious, illegal conduct by Bank. 

Thank you
Consumer complaint received 2022-05-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC (PA)

Property located at XXXX XXXX XXXX XXXX, XXXX PA XXXX # XXXX Selene Financial. I paid this amount for my school taxes at the time of closing with Quantic bank for the sum of {$14000.00}. I received a letter from the county for taxes delinquent and I reached out to Selene Finance as to why this amount was not paid even though I already paid this amount at my closing. Selene representative told me that it is the responsibility of Selene Financial to pay the tax. Upon reviewing my account Ive noticed that the delinquent taxes were paid from my escrow payment which includes penalty that was incurred for late payment which in turn result in my monthly payment to be increased from {$5200.00} to {$6300.00} on a monthly basis due to increase payment form escrow account. I indicated to Selene Financial representative that I am unable to pay this amount on a monthly basis with the possibility will cost me to default on my mortgage. 

I am being charged twice for the same taxes once at closing and again from my escrow which balloon my monthly payment. I honestly believe that upon the purchasing of my mortgage from XXXX XXXX it is Selene Financial responsibility to ensure that all payments are made before taking on the responsibility of owning and managing my mortgage, now Im at a disadvantage and its impossible to explain this to customer service Ive been on the phone for over two hours trying to explain this to customer service.

I spent hours on the phone with Selene representative who asked me to email copy of my closing statement which I did I never received a response from Selene financial as to the status or a confirmation of my email. Please assist
Consumer complaint received 2021-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

I have no contacted Nelnet twice about my loans. I went back to school in XXXX of this year, but have continued to make monthly payments. I select the accounts I want to pay towards, however my payments do not appear applied correctly. I understood that interest was suspended during COVID, but I continue to be charged interest on some accounts. When I access an account, the interest is not reflective of what I have been charged. The entire account and payment profile is confusing and not straight forward. When I call, I am unable to receive an explanation and/or answers to my questions.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (DE)

Hello, Im trying to determine the closed date of my CHASE Sapphire card. Im thinking about reopening a new one but I also know that 48 months has to pass. I called customer service, got bounced around to 3 different people and couldnt get an answer.
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this account