davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

I have a mortgage with Chase Bank The payments are made directly from my checking account on an automatic basis, monthly. 

I want to change the payments to come from another account that I am not an account holder of ; I obviously have permission from the account holder to do this. 

I have this account number and routing number, and could get written authorization from the account holder to do this. 

However, Chase Bank will not do allow a payment to be made from an account that I am not on, even though there is now federal or state law against this.
Consumer complaint received 2021-12-27
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. (NC)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. 
Pursuant to the Fair credit Reporting Act ( FCRA ) 15 U.S.Code 1681b its my consumer right to have these entries removed from my credit file. Block and remove these entries pursuant to 15 U.S. Code 1681c-2. Failure to comply is civil and criminal non compliance pursuant to 15 U.S. Code 1681n-o.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I did not consent to, authorize nor benefit from following inquires below. Please remove them from my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Robert L. Tankel, P.A. (FL)

During COVID this same attorney refused to work with me. Utilized usery tactics and foreclosure attempt on my property stating I didn't pay HOA fees. I was so scared I provided one cashier after another cause he said an amount then continued to increase it wiped me out of all my savings almost XXXX XXXX Now I owe HOA XXXX XXXX He increased it to XXXX and now XXXX $ and its to accrue interest daily till paid now that amount by either XXXX or XXXX his handwriting looks like both dates. I will attach the " XXXX '' EXTREME CHARGES. 
XXXX XXXX XXXX
Consumer complaint received 2021-12-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

I had previously submitted a complaint about Freedom Mortgage 's refusal to process the deferral agreement ( Complaint ID XXXX ). Their response was full of misrepresentations and false statements, and still does not address my complaint, prompting the submission of a new complaint. 

For example, Freedom Mortgage makes a statement that when the loan came to them in XX/XX/XXXX, it was already delinquent XXXX months. That is a flat out lie because the forbearance period ended XX/XX/XXXX and per the XXXX agreement, the next due date was supposed to be advanced to XX/XX/XXXX. As of XX/XX/XXXX, the loan was only XXXX months past due. Therefore, on XX/XX/XXXX, the loan was only XXXX months past due and Freedom Mortgage deliberately failed to process the deferral despite our numerous requests ever since XX/XX/XXXX. 

Freedom Mortgage also misrepresents XXXX XXXX guidelines which expressly state that if the deferral is approved and the loan is less than XXXX  months past due at the time of approval, then no payments are required from the customer during the processing months. That is, in fact, what XXXX told us and directed us not to make any payments until the deferral agreement is effect. The guidelines also specifically state that the deferrals should be processed within 30 days, which Freedom Mortgage failed to do despite repeated requests from us. Not once, did we ever receive any correspondence from Freedom Mortgage regarding the status of the deferral agreement. When we asked to speak to a supervisor about Freedom Mortgages failure to process the deferral, no one bothered to call us back while Freedom Mortgage continued to deliberately not process the deferral. 

Furthermore, Freedom Mortgage has failed to bring the account to reflect as current, and instead the account shows as mitigation loss. Freedom Mortgage has violated numerous state and federal laws, and threatened wrongful foreclosure of our home all in violation of the CARES Act. 

Freedom Mortgage must properly process the deferral agreement as previously agreed upon with XXXX. The five payments in the amount of {$12000.00} can not be applied toward the forbearance period but must be applied toward the XX/XX/XXXX through XX/XX/XXXX period as previously agreed upon and my account must show as current and never delinquent and/or never in mitigation loss. 

Moreover, this deliberate act by Freedom Mortgage was done with the sole intention to steal our home. It is obvious by the fraudulent responses from Freedom Mortgage who in XXXX days after this complaint was filed with your office, finally was able to process the deferral. Freedom Mortgage must be held liable for their fraudulent and bad faith actions. There are over 4,000 complaints from different people about this company and we respectfully demand that you hold this company accountable for their fraud and bad faith actions and not let them escape unscathed so that they continue with their illegal and fraudulent ways.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OK)

I initiated a transfer of {$350.00} from XXXX  XXXX XXXX on XX/XX/30. Chimes notifications reflected that the $ $ would post on XXXX. The morning of XXXX the date magically changed to XXXX. I logged on today and it still has not posted. This bank is so dishonest and manipulative. Im delayed making my car payment now I called and the shady person attempted to blame XXXX  XXXX XXXX LOL the ach has posted 3 days ago. These people are corrupt Im going to take them to small claims for misrepresentation
Consumer complaint received 2021-12-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IN)

The fair market value of this vehicle that I purchased through Credit Acceptance Corporation was met and now they are demanding thousands of dollars in interest. I had lost my job and the original loan was at a higher than legal amount interest rate which caused me to release the vehicle back to them voluntarily. I was garnished and met the initial amount of garnishment and now have to pay thousands more in interest. I was never allowed to appear in court due to never receiving court documentation at correct addresses. The amounts of monies paid, car sold at auction, fair market value and now interest owed on top of interest paid is not matching up. Credit Acceptance Corporation did to me what they did to citizens in Massachusetts, which won a lawsuit against them. I dont live in Massachusetts but am a victim as well.
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (MT)

The company filed a forcloser on me over a year ago and I hired an atterney to dispute the XXXX XXXX the company requested a dismissal of the case but the judge is still waiting on the final closer of this case.during this time the company has reported false information on our credit reports.This company has received more than fair amount for the loan but now refusses to give me a lean release .My atterny has given them until the XXXX of XXXX to give us the lean release.They in the mean time are reporting us as 30 days late on a closed account every month .I have documents of a letter written by them ststing they wouldnt report on our credit but they have been reporting me to this day.
Consumer complaint received 2021-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient allegedly transferred my student loan ( Account # XXXX ) to XXXX. A payment is due XX/XX/2022. However, XXXX has not contacted me in anyway. XXXX and Navient refuse to submit a bill for the XX/XX/2022 payment. 

Therefore, since Navient and XXXX can't get their act together, I hereby exercise my right to the Biden-Harris Administration Student Loan Pause through XX/XX/2022.
Consumer complaint received 2019-09-10
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. (NV)

Equifax is reporting fraudulent accounts on my credit file and they are not complying with the FTC.or FCRA 1. XXXX XXXX XXXX XXXX 2. XXXXXXXX XXXX, fraud 3. XXXX XXXX, isnt mine All these account should be removed according to the FTC, FCRA
Consumer complaint received 2022-08-31
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. (TX)

On XX/XX/2022, a charge for {$530.00} was processed from the previous day where I purchased two concert tickets from an entertainment company ( XXXX ). Immediately after this purchase on XX/XX/2022, I was sent a text alert from Chase informing me that the aforementioned purchase would not go through as they believed it to be fraud, and if I would need to repurchase whatever I was trying to buy. I believed that they were being honest and what they said was true. 

Because of this, I immediately made another purchase of a slightly different seat that totaled to {$510.00} and was also processed on XX/XX/2022. So, essentially, Chase lied to me about the first charge not going through and needing to repurchase. When I spoke over the phone to their dispute resolution I was told it would be removed later. I believed them. 

As a XXXXXXXX XXXX, I am not constantly looking at my bank account as I am unwell a large percentage of the time. When I eventually noticed they had never resolved the situation, they said it had been too long and there was nothing they would do. This entire extra purchase was completely unnecessary but they told me it was essential. My bank blatantly lied to me and refused to do anything about it.
Consumer complaint received 2021-12-27
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: EQUIFAX, INC. (SC)

XX/XX/2021, I received my Equifax consumer credit report. I disputed a account that is a CHARGE-OFF account from XXXX XXXX NC XXXX XXXX A CHARGE OFF CAN NOT REPORT AS A ( type of account ) - OPEN ACCOUNT. A CHARGE OFF account is a closed account!!! This is inaccurate reporting and must by DELETED. A CHARGE OFF CAN NOT have a BALANCE. It's a charge off ( meaning ) it has been charged off when XXXX XXXX filed taxes. Therfore XXXX XXXX must report a balance of XXXX as the LAW REQUIRES! That's XXXX inaccurate errors. I HAVE ATTACHED THE MOST RECENT CONSUMER REPORT AND HIGHLIGHTED THE INACCURACIES. Equifax is violated the Fair Credit Reporting Act 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person SHALL NOT furnish any information relating to a consumer to any consumer reporting agency if the creditor knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. DELETE THIS ACCOUNT FOR REPORT INACCURATELY
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: AES/PHEAA (GA)

I lost my wallet with my identification and social security card and someone opened accounts for school in my name getting student loans as well as trying to get auto loans now it is impacting my credit score tremendously I have tried disputing the charges with no resolution
Consumer complaint received 2021-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NJ)

The Bureaus is reporting that I owe a debt to the Credit Bureaus. I have reached out to the Bureaus on several occasions and continue to be lead down a rabbit hole with no live person to discuss and resolve my concerns. Upon calling the Bureaus there is no one that answering the phones and I have repeatedly called over several weeks. I finally emailed and received a response. In the email i was informed that " XXXX XXXX XXXX '' was handling my file on behalf of The Bureaus and was advised to call a number provided to me by the representative. 

After calling the number several times. I ran into the same situation as phoning the Bureaus, there is no live person to talk to, a machine continuously picks up messages are not returned. Also, after inputting the requested information according to the prompts, I received a message that there was no information that could be found at this time and to phone back at a later date. 

I have paid and settled all past accounts with XXXX XXXX and am requesting that The Bureaus immediately delete and cease reporting to the Credit Bureaus. There is no accountability from this agency to pick up the phones or return calls to discuss concerns. 

Account # XXXX
Consumer complaint received 2021-12-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OPORTUN FINANCIAL CORPORATION (MI)

Oportun XXXX, just called me at XXXX XX/XX/XXXX about a debt, they have violated the law as I wrote them a cease and desist letter in XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
Consumer complaint received 2024-02-20
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. (OH)

In Accordance with the fair credit reporting act Experian, XXXX, XXXX has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT XXXX XXXX FOR ANY PURPOSE I recently reviewed my credit profile and noticed inaccuracies and incomplete information and account that are un-verified. according to the fair credit report act section 611 ( 5 ) A OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPETE PR WHICH CAN NOT BE verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i every single one even each any or all the unproven, non-complaints incomplete untrue incorrect and or unverified aspects of any alleged derogatory accounts must be negated in its entirety or alleged accounts are to be deleted.

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete untimely not mine not mt responsibility or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately.

The infractions are as follows.

Alleging creditor and account as is reported as having late payments my credit report.

I am demanding that this account be updated to paid as agreed and never late.

By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the CRSA enacted CDIA metro 2 COMPLIANCE regulations I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2023-01-20
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2019-09-10
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. (TX)

My FICO scores for the last 3 months have substantially declined, for instance : Experian : XX/XX/XXXX FICO XXXX ; XX/XX/XXXX FICO XXXX ( -90 pts ) XXXX : XX/XX/XXXX FICO XXXX ; XX/XX/XXXX FICO XXXX ( -42 pts ) 1. Experian reported that I had " Serious Delinquencies '' : I have no delinquencies. 
2. XXXX  said that I had " Too many missed payments '' .In the past 5 years, 1 payment was incorrectly reported as 30 days late. ( But the payment had actually been paid and was not filed due to the creditor 's computer error. ) 3. My Annual Credit Report showed my accounts since XXXX with green check-marks monthly ( paid in full ). What serious delinquencies? 
4. FYI : 5 of my credit accounts substantially increased my credit limits based on my history of regular payments. ( I did not request any credit limit increases ) 5. I respectfully request that the credit reporting companies re-examine my credit reports. Tell me specifically what are the negative accounts and I will get the information corrected. 
Thank you.
Consumer complaint received 2019-09-10
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: Meade Recovery Services, LLC (UT)

Meade Recovery Service # XXXX is reporting a new collection on my credit report, however I never got any notice for this collection nor did I get my 30 day right to dispute letter. I had no idea this collection existed until it showed up on my credit report. They also have my information incorrect and I am settling it.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened 2 credit cards with Capital One and approx 6 mo after having them while out of the area I tried to purchase and they were trying to protect me from fraud, not knowing that it was in fact me, they froze both of my accounts and I was no longer able to make purchases nor make payments and they ended up as charge-offs and I in the end paid them to zero.
Consumer complaint received 2022-08-31
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. (NY)

XXXX XXXXXXXX XXXX has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never applied. XXXX XXXX XXXXXXXX acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now XXXX cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The only address that should be reporting on my file is " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX '' Kindly delete the addresses listed bellow : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting 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. (TX)

I was reviewing my credit report and noticed some accounts and inquiries that I did not authorize. I would like the following information removed. XXXX OF ED/XXXX  Account XXXX : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX  Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX