davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MI)

Paid off entire balance of a XXXX XXXX Chase credit card in XX/XX/XXXX. This account had been cancelled and closed for over 180 days ( 6 months ) when in XX/XX/XXXX a  charge ( s ) for {$100.00} x 2 ( {$210.00} ) had been accepted by the Chase bank from a XXXX XXXX property. 
In XX/XX/XXXX I admittedly made a reservation by phone at XXXX but DID NOT use this non-existent card. When I failed to show up for the reservation the Hotel clearly looked up my rewards account and used the card on file to pay for the two rooms. 
Chase Bank should have immediately rejected this charge as the account had been closed and paid for over 6 months. 
I only found out about this unauthorized charge as I was notified of my credit score dropping nearly 80pts as a result of an unpaid credit card payment. 
XXXX has repeatedly stated it was my responsibility to have this card removed from any merchants files and they were not responsible for allowing the charge to go through even though it was full 6 months later after I had fully paid and cancelled the card.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (LA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2019-02-05
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. (FL)

I have asked for the credit bureaus to reinvestigate the reporting of this account. I sent letters to them on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 but the account was not investigated properly. 

XXXX is not providing complete information and the monthly payment and limit. There are also multiple XXXX late payment in the payment history which are wrong. 

Experian failed to include the monthly payment and limit. The payment history shows multiple CO marks which are inaccurate. Why do they report this as collection/charge off when XXXX reports this as Late XXXX? Clearly, this shows inaccuracies. 

XXXX also missed reporting the monthly payment, credit limit and payment history.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (NJ)

I received a bill from Apex Asset Management LLC dated XX/XX/XXXX for a service from XXXX XXXX at XXXX Hospital on XX/XX/XXXX. I immediately sent them a copy of my insurance company 's XXXX showing that my balance owed is {$0.00} and that this is an illegal attempt to balance bill. 

I received another bill from Apex dated XX/XX/XXXX stating that I had not had any communication with them.
Consumer complaint received 2023-01-26
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. (NJ)

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. recently checked my report and seen XXXX credit cards along with numerous inquires which is hindering me from getting a vehicle. This is a result of identity theft and would like these accounts and inquires removed immediately.
Consumer complaint received 2023-01-26
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. (TX)

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX FCRA Violation : auto loan not mine XXXX XXXX {$33000.00} FCRA Violation XXXX collection not mine XXXX XXXX XXXX  {$550.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (NJ)

We have a fixed 30 year fixed mortgage with Home Bridge and have been paying $ XXXX month for many years. Suddenly our mortgage went up to {$4900.00} and we called Home Bridge to find out what happened. 

They said we had a {$7400.00} escrow shortage because they made a mistake on our property taxes. For some reason they were billing us half the property taxes but the township was paid in full. 

We are being held liable for these high payments since they spread the escrow shortage over 12 months and added to our monthly payments. 

The loan has been transferred to XXXX XXXX now. 

We have taken a personal loan with a high interest rate and paid off the escrow shortage. 

Do you think this is fair? 

How can we approach this? This is causing us a lot of stress. 

Any advice would be appreciated.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

Good day! 
I am seeking help from CFPB as numerous attempts of calling our mortgage company has not resolved our issue. Considering this as fraudulent, unfair and deceptive practices towards consumers. 

We received tax form XXXX Cancellation of Debt from XXXX XXXX for calendar year 2022. We were initially with Freedom Mortgage and entered in a government offered COVID relief forbearance during the pandemic. After the relief period ended, the lender stated put the total amount due as deferred balance on our loan. Our mortgage was then transferred to XXXX XXXX as of XX/XX/2022. On the mortgage statement with XXXX XXXX reflects the deferred balance which matches the amount on XXXX. 
My question is why would we received a XXXX cancellation of debt when our mortgage statement still shows the amount owed as deferred balance? This amount is not cancelled nor forgiven. 
We have reached out to XXXX XXXX - response received was to reach out to Lender directly. We reached out to XXXX XXXX- no resolution - response received to reach out previous lender. We reached out to Freedom Mortgage- escalated issue thrice- no resolution to this matter. 
We are to file taxes for 2022, and we can not file the taxes unless we are clear on this matter. In my understanding, XXXX cancellation of debt is considered as income - and in this case, debt is not cancelled if it is appearing as deferred balance on our mortgage statement which we still owe. If this debt in actuality is cancelled, we need the deferred balance to be removed from our mortgage and confirmation of the same OR if the debt is not cancelled then a letter confirming that XXXX was sent in error. 
There are significant number of homeowners who were affected and were able to save their homes during pandemic due to help from the Government. Looking into this matter, finding a resolution and clear understanding would assist us and all who were impacted. 
We are requesting help and appreciate your review in this matter. 

Thank you Respectfully. 

Regards.
Consumer complaint received 2022-09-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NY)

For years, I have been paying child support on a biweekly basis. NEVER late since it is deducted from my paycheck every 2 weeks. Why is it being reported as being late. I have tried 4 time to report this to EXPERIAN at no avail. Why do they hold consumers down? My scores on the other bureaus are over XXXX. My guess, they work along Mortgage banks to keep scores down, so lenders can increase interest rates on borrowers. XXXX XXXX, will NOT considered the other Credit Bureaus when extending loans. FOLKS, I AM AHEAD OF THE PAYMENTS, CHILD SUPPORT OWNS ME {$520.00} DOLLARS. SEE ATTACHED FILED.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. its been over 30 days.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited a settlement check that I received from my lawyer, I deposited it into my account and it was being held for 12 days. But the lady told me to call customer service to see about moving it faster, to which I was transferred to the fraud department, who advised me that they could not verify my check, they could not call the other bank, they could not call my lawyer, they could not call the settlement company and they could not call the check verification company all because there was not a call in verification number in there system. And now they are threatening to close my account to end ties.
Consumer complaint received 2023-01-26
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: CLGF Holdco 1, LLC (TX)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # 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 without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Even perfect, true, correct reporting REQUIRES PHYSICALLY VERIFIABLE PROOF of ABSOLUTELY CERTIFIED COMPLIANT REPORTING. Transunion is reporting, without adequate legal standing or in full accordance with the credit regulation compliance standard and laws. 

Per FCRA laws and CDIA enacted XXXX XXXX formatted reporting all allegations of data must be CERTIFIED as testimonial in full and refutable truth, accuracy, completeness, timeliness, ownership responsibility and elsewise undoubted compliance.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

Chase bank multiple fraudulent transactions were made on my account most were yet to be addressed and poor customer service care for the most part inadequate explanation by workers and subsequently frustrating explaining for weeks of delays and poor service and handling for the customer who yet to be taken care of properly
Consumer complaint received 2019-02-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (GA)

This loan was opened on XX/XX/2014 and is being reported as a joint account. This is not my debt. I have asked several times for this account to be removed from my credit report and was unsuccessful. I need to see the contract and my signature that they are claiming that i signed. This account has negatively affected my ability to receive credit from creditors and i would like it removed from my report.
Consumer complaint received 2019-02-04
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. (VA)

I stated to Experian and I will say it again : I challenge Experian and the collection company to prove that I canceled or my bank canceled and/or put any block on the automatic payment set up for any XXXX account I ever had. I never failed to pay my dues on time. I disputed the same exact unlawful sprints alleged owed amount and it was deleted by Experian and now Experian retaliated against me and despite a letter from my bank confirming the above about the automatic payment and despite the proofs provided to Experian this credit bureau violated my rights under FCRA. Experian recklessly ignores the real issue and ignores my factual evidences and instead lecture the reader here instead of honest response to the real facts of the complaint. Thus, Experian must comply to the law or face it. If Experian can prove that I never had automatic payment or that I canceled it or block it or my bank canceled it or block then the collection account that alleged {$1300.00} should remain and if they can not which is a fact then Experian must deleted the only negative information or the collection about the XXXX alleged owed amount of $ XXXX.because my bank write a letter and confirmed that I never called my bank to cancel that automatic and I never canceled that automoatic payment and my account that provide funds to that automatic payment is same and open and has always funds of over 4000 $ daily and if XXXX wanted to get paid for any amount they have the ability to do so and they must stop harrassing me and damaging my financial reputation. I challenged Experian and its collection agency to prove me and my bank wrong about the fact that I and my bank did not impede XXXX to do what it was used to do using the automatic payment and get paid for any ligitimate amount proven I owed them but instead they use this collection over and over and drag me to complain and dispute it maybe they think I will give up my rights but they must know they have to follow role of law. Experian must comply to FCRA and my Virginia state law and delete that unlawful collection with original creditor XXXX because it is about the same amount previously disputed with this bureau and it was deleted and why is not the case now? Or is it forced retaliation? Show off of Experians muscles on my rights?
Consumer complaint received 2019-11-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARS National Services, Inc. (FL)

I submitted a complaint to the CFPB regarding their multiple phone calls, after contact, and they subsequently sent the account to a Collection Agency ( ARS National Services ) threatening to negatively impact my credit even tho I am not 30 days past due!!!
Consumer complaint received 2023-01-26
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. (TX)

I am a victim of Identity Theft. I submitted my report as i was supposed to. Equifax refuses to remove or block the items that were not mine due to Identity theft when the other bureaus did. My ID Theft report with the FTC was XXXX. Not only was my information stolen a while back, it was also compromised by Equifax themselves as i am currently awaiting my check for the information breach. I have reached out to them TWICE in an attempt for them to fix my report but they have ignored me and/or refused to do anything about it or contact me about it. I am just trying to move forward with my life and they are not letting me do so.
Consumer complaint received 2019-02-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

Vanderbilt Mortgage and Finance , Inc. 
XXXX XXXX XXXX XXXX, Tenn XXXX I was XXXX and on XXXX because of a XXXX XXXX I have only ever had a XXXX payment as my income, Vanderbilt excepted this 18 years ago, now my Mother and Fathers health is failing my Father is on XXXX Now they both live with me and my XXXX years old son, we only have around {$1200.00} per month between us coming in to the home. 
I have tried to talk to Vanderbilt several or actually I had a friend talk for me in my presence because I have a difficult time expressing myself because this is my home and I get very emotional, the last statement I received from Vanderbilt was on XX/XX/2019 was asking for a payment of {$27000.00} before the will discuss a modification. I do not know what to do, I realize now I was taken advantage of, I welcome any help you can offer. 

thank you
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XXXX XXXX I was a victim of Identify theft via a SIM swap scam with my mobil phone carrier. I notified Bank of America before the fraud even happened that I was a victim and to lock my account. They failed to do that and did not protect my account. 
The thieves accessed my bank account with Bank of America and processed to send {$1400.00} via XXXX to a account that they fraudulently opened in my name with XXXX. 
I have put in a fraud claim with Bank of America three times, they continue to deny the claim even tho I have provided every possible proof that I am a victim of fraud. 
I made a police report, reported to FTC, put fraud alerts on my credit reports and resolved my fraud issues with all others financial services.
Consumer complaint received 2022-08-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I sent in a dispute for all of the 4 Charge off accounts on XX/XX/2022. I then called on XX/XX/XXXX to check the status and on XX/XX/XXXX I was sent an email from Experian stated they were verified. And that can not be true because on XX/XX/XXXX, they told me that they needed to place a dispute with the companies, and it could take up to 30 days and I went over the accounts. So how can I call on the XXXX and then receive a " verified '' status on the XXXX. That is false investigation and I demand that they have these accounts removed immediately. Not only are they reporting inaccurate information, but they also have my account linked to the wrong social security number as well. I have been disputing these accounts on all 3 credit reporting agencies for over a year and they have continuously reported inaccurate items taht need to be deleted. This has caused stress for me and my family and our financial stability to take care of our family. I have suffered from stress and XXXX dealing with the credit reporting agencies and there inadequate and wrongful reporting 's according to Fair Credit Reporting Act.
Consumer complaint received 2019-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.
Consumer complaint received 2022-08-29
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. (TX)

In accordance with the Fair Credit Reporting act 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 2022-08-29
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 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 2022-08-29
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. (PA)

On XX/XX/2022 I 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.