davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Whenever I deposit a paper check to my bank ( JP Morgan Chase ), they place the funds on hold for more than XXXX business days, causing me stress and financial difficulty. I make a lot of money, but my account is showing to be nearly empty because this bank is placing my funds on hold. I called and I went into the local branch, but they have no explanation as to why they are doing this. The only thing they tell me is that the funds haven't cleared and they can't help me. Recently, I received a paper check from the estate of my grandmother. My check was placed on hold, while my entire family received their funds within a day. I've never had a bank do such a thing. I deposited the check on XX/XX/XXXX, and it will not be available in my account until XX/XX/XXXX. Other checks they place on hold are paychecks from a XXXX XXXX XXXX XXXX  hardly a fly-by-night account. There is no reason for JP Morgan Chase Bank to do this. It makes no sense, and it causes me serious financial hardship.
Consumer complaint received 2022-12-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (CA)

This is their email to me : You have a pending bill due for payment. 

Loan Company : Check n Go Account Number : XXXX Due Amount : {$1300.00} XXXX, XXXX are disappointed that you have not taken the initiative to make reasonable arrangements to resolve your delinquent balance. If we do not receive payment in full of the entire delinquent balance by XX/XX/XXXX, Regrettably, we are forced to send our collection team at your billing address, due to your failure to pay the {$1300.00}. 

On XX/XX/XXXX, legal representatives of our company along with the collection team will arrive at your home at XXXX A.M. in regards to the unpaid loan account. 

We had hoped to avoid this extreme action by offering you flexible credit options to lessen the difficulty you face making payments. However, your unwillingness to cooperate with our billing department has left us no choice. 

If you wish to avoid this situation then kindly get back to us to discuss one time settlement or payment arrangement as per your convenience. 

If you wish to avoid legal action and the possibility of incurring court costs, attorney 's fees, and considerable inconvenience, remit payment for {$1300.00} or contact us to discuss reasonable arrangements to do so. 


Warm Regards, XXXX XXXX XXXX Department Check n Go Copyright XXXX Check 'n Go | Privacy | Terms of use
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

I was locked out of my account. I am unable to see my account info or make payments. I have tried calling many times but have been put on hold for 6 hours. There is no way to contact anyone to restore access to my account.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

On Wednesday, XX/XX/XXXX XXXX purchases were made on my XXXXXXXX XXXX  app for pickup in the state of XXXX  using my Chime debit card. I live in XXXX XXXX. The first purchase was made at XXXXXXXX XXXX for {$100.00} and the second was made at XXXX XXXX for {$190.00}. XXXX has acknowledged that I did not make these transactions, but Chime has denied my claims over and over. They continue to tell me that they are escalating the investigation to deny it a couple of days later. I have provided them with screenshots from my XXXX XXXX app that shows the address of the XXXX where the order was picked up and XXXX told me that they have it marked in their system as an unauthorized purchase, so I don't understand how CHIME is finding that there was " no error that occurred ''.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I am writing to request your help in resolving an issue I am experiencing with my current mortgage servicer, Truist Mortgage. I have spoken with countless associates, managers, etc., over the prior 6+ months to no resolve. My initial request of PMI ( Private Mortgage Insurance ) removal that began in XXXX of XXXX has brought to light multiple irregularities within my account ; 1. Mortgage Payment History - Truist Mortgage has numerously denied my petition for the removing of the PMI from my mortgage citing the following, " The investor of my loan XXXX, requires a borrower ( s ) to make 3 consecutive payments on their mortgage following a XXXX  XXXX related payment deferral or modification '' ( Letter included ). And while I did enter a " XXXX XXXX payment deferral program '', it span from XX/XX/XXXX to XX/XX/XXXX. I then made XXXX ( XXXX ) trial payments from XXXX to XX/XX/XXXX. Afterwards, I accepted a new loan modification that began XX/XX/XXXX ( Copy of the Note included ). All subsequent payments since have been made on-time. Therefore, the denial reason Truist Mortgages is using can not be accurate or valid. I say this as I have made 15+ payments since my deferral ended as of today. Additionally, many of the associates I have spoken with at Truist Mortgage all claim to see an unidentified payment or credit made to my account in XXXX of XXXX that exceeds $ XXXX within their system. Everyone also claims this payment or credit brought my account current somehow. However, no one can source where it came from exactly. I advised them these funds did not come from me and must be an error on their end. To which, they do not believe is possible. 

2. Mortgage Loan Balance - Over the prior 6 to 8 months Truist Mortgage has repeatedly reported the balance of my mortgage to all credit bureaus with significant differences each month. As a result of this, my XXXX rating has suffered tremendously. I personally feel this violates the Fair Credit Act. Another issue Truist Mortgage believes can not be true.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc. (CA)

While reviewing my XXXX account I learned that Client Services Inc, a debt buyer, accessed my credit report without my knowledge or consent on XX/XX/XXXX and XX/XX/XXXX. I have never communicated with this company, had an account with them, or otherwise entered in to any contract with them.
Consumer complaint received 2020-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

I had contacted American Adjustment Bureau several times to no avail. I then call XXXX  and they call American Adjustment stating the bill was paid as established through the contract between XXXX , XXXX and XXXX Hospital. They have received documentation from both XXXX Hospital and XXXX showing the bill was paid in accordance within XXXX guidelines. I received a phone call admitting they were wrong but still have not removed the delinquent account from my credit report I think there should be an investigation on their conduct. They could tell early on this was a mistake by XXXX Hospital
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I had a Costco Visa card issued by Citibank. The card had XXXX balance, and was my " emergency '' card. Citibank suddenly canceled the card without warning on XX/XX/2020, saying that they closed it because I had not used the card. I contacted them and they refused to reopen it. I have written them and told them I am filing a complaint. I find this behavior particularly despicable during the coronavirus crisis.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (NY)

I pulled my credit report and saw a collections account from XXXX XXXX XXXX XXXX for {$380.00} ) I notice my right were violated 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.
Consumer complaint received 2024-02-25
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (CT)

On XX/XX/XXXX at approximately XXXX, I came to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX complete a report of identity theft. I became aware my identity was stolen today when I received a phone call from XXXX XXXX in XXXX XXXX, MO reporting they sold XXXX vehicles and were in the process of selling a third to a person using my personally identifying information. The first XXXX vehicles, XXXX of which as a XXXX XXXX XXXX XXXX, were sold about a month ago. They said the person has my information and a CT driver 's license and provided an address of XXXX XXXX  XXXX XXXX, in XXXX, PA XXXX. XXXX spoke to the XXXX XXXX of the dealership, XXXX XXXX, whose # was ( XXXX ) XXXX. He stated the photo on the license was a XXXX male and they never saw him in-person upon vehicle transfer. No identification took place. They are supposedly mailing me a copy of the driver 's license that was used. Upon seeing the CT State license it was clear that the ID was fake as my first name was abbreviated and my full name as required by law was incomplete. The vehicles were financed through XXXX XXXX and XXXX XXXX XXXX XXXX. I did not buy these vehicles ; my identity has been stolen. I notified the credit bureaus and froze my identity. XXXX XXXX has entered me into a national database which will identify anyone using my information law enforcement reasons. I gave XXXX XXXX a password which I will never forget. I understand could come up during a traffic stop or at the airport and I will need to provide this password to law cement to confirm it is me, not the imposter. ring. This is causing me great stress and time, as well as increased XXXX XXXX and bouts of XXXX XXXX.
Consumer complaint received 2020-04-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MidAmerica Mortgage Inc (TX)

We closed our mortgage with Mid America Mortgage , Inc. ( Loan # XXXX ) on XX/XX/20 as we sold to another buyer. We had an escrow balance due for refund of {$3000.00} and still have not received as of XX/XX/20. Per CFPB rule 1024.34, b ( 1 ), the servicer SHALL return to the borrower any amounts remaining in the escrow account within 20 business days ( exlcuding Saturdays/Sundays/holidays ). Based on my pay-off date, 20 business days would be XX/XX/20. As of XX/XX/20 ( today ), it is the 45th business day and we still have not received the refund. I have called ( XXXX ) XXXX ( Mid America Mortgage Customer Service ) about 8 times to check on the status of my refund. I was initially told that a check is normally sent for escrow refunds, but there was a problem with the check servicing company. As a result, they said the refund would be sent via bank draft and at that time took my checking account information. I have spoken to a supervisor multiple times, emails have been sent back and forth between customer service and the escrow department, and nothing has been resolved. I am looking to resolve this matter as I know that I am not the only person that is having this issue as a customer service representative blatantly expressed that I was not the only customer experiencing this issue.
Consumer complaint received 2020-04-01
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. (AR)

In XX/XX/2019, I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report, I notice a numerous of things that were not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NE)

I tried to place a security freeze on my account online. On their freeze site, Equifax states that " We can't complete your request at this time. Please call the Customer Care team XXXX ''. 

However, when calling I am routed through the automated identity verification, left on hold for ten minutes, then hung up on. This has occurred three times today. XX/XX/2020. 

I am concerned that someone may have access to my information and I am unable to do anything about it.
Consumer complaint received 2023-01-30
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 XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, 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 2020-04-01
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. (IL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX {$1000.00} COLLECTIONS XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2023-05-17
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. (MI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-04-01
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. (AZ)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Consumer complaint received 2020-04-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IA)

Carrington Mortgage hold my mortgage and has put force place flood insurance on my property which has increased my payments by XXXX a month. They are using XXXX which is a 3rd party to administer this policy. I have been sending documents and calling since XX/XX/XXXX. I was always getting a different answer with every person that I talked with. I have also submitted a request for a LOMA directly from FEMA website, the process is schedule to be complete XX/XX/2020. I also submitted an email from XXXX County Assessor with XXXX XXXX and maps directly from FEMA, stating that my property is not in a flood area. My loan number is XXXX
Consumer complaint received 2020-04-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (GA)

Our country is currently under a National Emergency. The State of GA is under a state of emergency. XXXX County ( where I reside ) is currently under a shelter in place and state of emergency. My job has been affected by the coronavirus. I have not been working for two weeks. I yet have to hear from unemployment. This company is the worst ever. They will not work with you in financial hardship like right with COVID-19. All they want to do is give you a 2 week payment  extension. So many other companies are deffering customer payments for 60 days or pushing their payment to the back of the loan and they refuse to help people out. They recommend getting a loan in order to make payment to them or stop paying other bills so you can continue to make payment to us. GET A LOAN TO PAY MY LOAN?!?! Crooks. Bridgecrest should be ashamed of themselves. Half the country is unemployed not by choice, other lenders are stepping up but these clowns are not.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Credit Bureaus and XXXX are crossing my file with someone else. They have me listed as deceased. I am being denied credit every time i apply due to this error. I have disputed this error and sent my information to them showing that I am alive and well with my Driver 's license. However they continue to report me as deceased