davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

My name is XXXX XXXX, I went into Chase Bank in XXXX NJ on XXXX XXXX an made a deposit into XXXX XXXX account in the amount of {$7000.00}. XXXX XXXX was said to be the account manager for the artist known as XXXX. I returned to Chase Bank two days after that deposit to inform them that the person was a scammer and fraud, and I wanted to recover my money that was deposited. I was instructed by Chase that I had to go to my bank in order to stop the payment because I wasn't a chase customer, and they ( chase ) can't look into someone account an just put a stop to the check. XXXX also stated they cant put a stop on a check they dont have in there posession. I've went back and forth with my bank ( XXXX ) an Chase there was an indemnity report done an chase denied reimbursement, I believe the report was done wrong by my bank thats why I was denied reimbursement. I had a police report and an investigation was conducted. I also have a signed affidavit from my bank. I contacted the fraud department of Chase an was told my police report needed to be given to Chase Bank. I sent those documents via email to XXXX the lady at chase who handled the transaction on XX/XX/XXXX. Sargent XXXX XXXX of the XXXX Police Department handled the report an investigation.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

On XX/XX/XXXX - NewRez sent me an e-mail telling me that I can send proof of home insurance to XXXX On XX/XX/XXXX - I sent proof of home insurance ( this new insurance had information like ID # from previous insurer for year XXXX ) to NewRez at XXXX On XX/XX/XXXX - NewRez placed a lender home insurance on my profile Following that date, I have repeatedly called into their system following many redirects and loops that inevitably disconnected on me. For the few times that I got through, I reached a human staff at NewRez. I was then instructed to send all of my home insurance info again to XXXX I still see a balance on my escrow account ( I originally did not have any escrow account ). I have attempted in good faith to follow up with NewRez request for information and supplied all necessary documents. 

NewRez has so far not been cooperative and has placed a balance on my file in bad faith and isn't trying to handle this situation in a timely manner. This happened before the COVID-19 became a serious problem in the US.
Consumer complaint received 2024-01-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC (AR)

Ive previously submitted a complaint with this company about it being on my credit report and the information being inaccurate. In their response they stated that they no longer owned the account # XXXX and the original creditor was not reporting the account to the credit bureaus anymore. Ive disputed on credit karma and P & B Capital Group responded to XXXX XXXX that the information they provided was correct and it was not removed from my report. You can see P & B Capital Group state in the complaint # XXXX that the account # XXXX I spoke of is no longer being reported. I disputed the account through XXXX XXXX on XX/XX/2024. So after I submitted the complaint with you all and they stated the above they still gave inaccurate information to XXXX XXXX.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Applied Data Finance, LLC (NY)

Hello, I owed a company called Personify Financials. An amount of {$1300.00} went into delinquency in XXXX and was given over to a collections company called XXXX XXXX XXXX. I made the payment to the XXXX XXXX XXXX on XX/XX/XXXX. 

All attempts to remove the delinquency from credit has failed when the agency told me it will be removed after i make the payment. I called the XXXX XXXX XXXX and they told me to talk to personify since they are the original lenders. Personify isn't also responding to my requests. Please look into this for me Thank you
Consumer complaint received 2020-03-24
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: Experian Information Solutions Inc. (NY)

I have made repeated attempts with Experian to remove two XXXX  XXXX XXXX accounts that were paid in full and closed in XXXX of 2014. Both of these accounts had late payments, with the last late payment in each recorded in XX/XX/2014. I live in New York State and the law is that any negative information must be deleted after 5 years. XXXX  automatically removed this info after 5 years but Experian refuses. They state that XXXX  XXXX XXXX will " not allow '' them to remove this info from my credit report. I have called XXXX  XXXX XXXX several times and they say this is simply not true. I don't know what Experian has to gain by breaking NYS law, but I would like people to know what they are doing. My guess is that they do things like this to compel consumers to purchase their services.
Consumer complaint received 2020-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SRA Associates, Inc. (IL)

Attached written collection Letter sent to me with bogus telephone number XXXX, I called this number - I recorded their message for my protection during my attempt on XXXX their message tells me please hang-up at the end, message would not take any message from me, gave me no options to talk to anyone. I am glad I recorded them. I have called numerous times and same result, no one answers, will not take messages, states please hang-up. I have never been billed for {$1400.00} from anyone, I have no outstanding debt or loans. I am XXXX. While employed with the XXXX  XXXX I was notified by XXXX my identity Personal Id /SS was stolen, also later, I was notified one of the three collection bureau computer system had been breached and my PI was also stolen? Please investigate SRA Associates ( XXXX XXXX XXXX XXXX, etc ) regarding this fraud and take appropriate enforcement and notify me of FTC investigation - results in writing XXXX XXXX.
Consumer complaint received 2021-07-27
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. (GA)

I reached out to my mortgage loan officer who I refinanced my home through about a year ago and I begin to start to process of purchasing a second home. She reviewed my credit with me and I noticed several accounts on there that are not mine. First there is a Bankruptcy on there. I reached out to the Bankruptcy court here in Ga and they was not able to locate a Bankruptcy under my social so that needs to be taken off immediately. There were several other accounts as well XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX US DEP ED. There were also several inquiries that I know nothing about 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 XXXX XXXX XXXX XXXXXXXX. I have reached out and filed a compliant with the FTC and reach out to the police here. I am doing this on my own and need some help with this situation.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (OH)

We are trying to close in my dad 's house but freedom mortgage has refused to give my title loan officer the payoff. She has been asking since XX/XX/XXXX. We were supposed to close XX/XX/XXXX, but they told her, on that day, that.they didn't have my ID. I had sent them the weeks before. I sent it to the title loan officer and she sent it to them. 2 days later they still hadn't uploaded the I'd and still refuse to give her the payoff. This is our third buyer and we may lose this buyer with the delayed closing. 
It seems as though they are only delaying to get more daily interest from me. 
Please help as soon as possible.
Consumer complaint received 2020-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wrote to TransUnion in reguards to 2 accounts that are over 7 years old and asked for them to be removed due to inactive. The accounts in question are XXXX XXXX  Acct # XXXX and XXXX Acct # XXXX. These 2 accounts are over 7 years old and have been trying to get them removed from my report but have been unsuccessful. All other information on my report is correct
Consumer complaint received 2019-12-04
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. (FL)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

I had automatic payments set up to pay my mortgage monthly. On XX/XX/2020, I submitted documentation ( as requested by NewRez Shellpoint located in PA ) to have my monthly payments be switched to biweekly payments. Despite filling out all paperwork correctly, and following exactly what I was told to do, some type of human error was made and my account number was incorrectly listed. 

Because of this mistake on their end, I have now been late on four payments and have been charged four NSF fees. I have been in contact with this company repeatedly during the month of XXXX. I have made 10 phone calls and have 4-5 email conversations with them. Each time, they say the issue has been resolved, and within the next 2 weeks, another NSF fee is charged because an attempt is made to pull money from the wrong account. 

Payments from the wrong account were attempted on : XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. Four NSF fees were charged accordingly with each one of these attempts. 

On XX/XX/2020, I requested to be removed from automatic payments, because I would prefer to handle the situation on my own if the company can not. During a pressing time in our nation with the COVID outbreak, I am trying to make payments and not hurt my credit score. NewRez Shellpoint, however, seems uninterested in fixing the issue and actually receiving a proper payment from me so that they can continue to charge NSF fees. Despite my verbal and written requests to be removed from automatic payments on XX/XX/2020, an attempt was still made to pull money from an account that is listed incorrectly on XX/XX/2020 and fee was charged. 

Every time I call them, I am told that the issue has been taken care of. Then, within ten days, the same issue arises. This should not be an a problem that is taking over 50 days to resolve. Every single person I speak to is incredibly rude, despite admitting that I am not at fault here. I have been promised eight times that a supervisor would call me back, but have never received any phone calls. I have never experienced such poor customer service from a company that should be serving its clients. 

This feels like a purposeful attempt to prevent me from paying off my mortgage in a timely manner. All emails that have been sent have to be sent through their online portal, so I am unable to have those access to those documents myself. The emails are usually referenced by the specialist on the phone with me, so I know they are receiving them.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX   XXXX {$0.00} DEPTXXXX XXXX {$1100.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$550.00} DEPTXXXX XXXX {$3500.00} XXXX  XXXX {$9500.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX  XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$440.00} XXXX XXXX {$4500.00} XXXX  XXXX {$6000.00}
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX   XXXX {$0.00} DEPTXXXX  XXXX {$1100.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$550.00} DEPTXXXX XXXX {$3500.00} XXXX  XXXX {$9500.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$130.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$63.00} XXXX XXXX   XXXX {$300.00} XXXX  XXXX {$440.00} XXXX  XXXX {$4500.00} XXXX  XXXX {$6000.00}
Consumer complaint received 2020-04-02
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. (TX)

I have a loan with XXXX XXXX  XXXX loan number XXXX ), they reported me as delinquent when it is not. The account was marked as 30 day late for XXXX, XXXX and XXXX. In fact, I paid all, never late.
Consumer complaint received 2020-04-02
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. (TX)

I have a loan with XXXX XXXX  ( loan number XXXX ), they reported me as delinquent when it is not. The account was marked as 30 day late for XXXX, XXXX and XXXX. In fact, I paid all, never late.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, AND XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, AND XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Our closing date was set to XX/XX/2020. Due to reasons described below we closed week later ( XX/XX/2020 ). Lender : BofA. Our credit score at the time of applying and processing up until closing was " Excellent '' so we were hoping for smooth process, not like the process we experienced with the same lender in our 1st mortgage. Even our lending officer assured us that this is going to be quick an easy process since BofA changed internal process to make things easier. 
Due to typos in the closing disclosure and not delivering closing disclosure 3 days prior to closing we ended up signing paperwork in title agent 's office and finding typos all over the documentation. Initial thought was to fix it by hand, initial them and let bank know later to fix this but this was not a doable solution. Typos included wrong SSN and wrong addresses of buyers. Here is a summary of the issues which we experienced during the process : - lack of communication AFTER the deal was sealed from BofA lending officer - delayed closing date which caused side effects on seller 's side - credit report pulled twice ( not within 30 days ) for both buyers ( married couple ) - confusing messages from the bank about credit report not being pulled twice - credit score going down 15 points as a result of 2 hard inquiries - filed dispute with BofA about credit report being pulled twice - no updates about the process - filed complaint within BofA regarding the process - no updates about the process at all - due to delayed closing date our moving had to be rescheduled - quite a lot of people involved in the process - wasted days off which we took from our employers to be able to attend closing day At this point of time I can not reach the manager of our lending officer as internally they do not provide such an information and reaching out to lending officer directly will probably gets us answer in 2 weeks. Even though bank gave us " platinum '' privileges it does not feel like we have any at all.
Consumer complaint received 2022-02-20
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: EQUIFAX, INC. (CA)

On XX/XX/21 I checked my Equifax credit score through the account I have on XXXX XXXXXXXX XXXX website. It was XXXX, but it showed me owing XXXX XXXX {$62.00} which was false. I owed XXXX XXXX nothing. 
I filed a dispute with Equifax through XXXX XXXX and on XX/XX/21 the {$62.00} XXXX XXXX balance was removed but my Equifax credit score dropped XXXX points to XXXX. 
There has been no activity at all to have caused that to happen so I filed another dispute with Equifax and I also filed a dispute with XXXX XXXX. 
Not only did either company 's representatives not understand the issue, the score remained the same and has not gone back to XXXX.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX I checked my credit card statement through the Navy Federal Credit Union App and noticed 6 pending charges from XXXX I have made purchases from this website before and have an account through their membership program however I had not made any recent purchases with my credit card at that time. I immediately called my banks fraud department and filed a claim. The agent noticed the multiple charges all within the same day and proceeded with my claim. He then issued me a new credit card. On XX/XX/XXXX I received a message stating there was no fraudulent activity and that the charges were to be placed back onto my account. Confused, I called the member services line to file a dispute. I submitted my first appeal XX/XX/XXXX and was sent a response XX/XX/XXXX stating once again that there was no fraudulent activity. When I had requested the reason for the denial, I was told that it was classified. The agent on the phone explained that they are not given this information. Im providing ample proof of why these charges are fraudulent, yet Navy Federal can not give me a reason or explain how there was no fraudulent activity. On XX/XX/XXXX, I submitted a second appeal providing even more information as to how these charges were not made by myself and how I believe my card information was taken from the XXXX website. I received no response until I had to send a follow up message on XX/XX/XXXX requesting an update. The next day XX/XX/XXXX I received the same automated response stating no fraud has occurred. Ive called member services many times and no one can give me an answer as to why they continue to deny my claim. Ive gone in person to their branches to speak to someone so I can get an answer and they are not able to give me one. There is {$320.00} worth of charges that Navy Federal refuses to rectify. Ive tried reaching out to XXXX and they instructed me to file a dispute with my bank.
Consumer complaint received 2020-03-24
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: ID Analytics, Inc. (MI)

Applied for a car loan at auto dealership. Approved on the spot by XXXX. Credit score of XXXX or higher with all 3 major credit reporting agencies. A month later received letter from XXXX XXXX  of denial. Reason, credit score of XXXX from Sagestream. Every review I've seen says they are reporting people 's scores up to 300 points lower than all of the 3 major  companies. I want to know who are they and why would anyone use them. This happened last month, XX/XX/2020.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

I am trying to refinance our home. My credit has a freeze on it that I placed myself. I was unable to lift my credit freeze with Equifax. The online message said to call a phone number that no none answered. I tried this several times over the past 2 weeks and each time I was on hold well over an hour. 

I am looking for help getting in touch with Equifax.