davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (TX)

I was charged with unauthorized use/fraudulent charge on my Chase Freedom credit card by XXXX XXXX CT and XXXX XXXX CT accrued from XXXX to XXXX. I discovered the transactions and reported to XXXX Credit Card Fraud operations in XXXX, XXXX. The researched and credited the unauthorized charges on all transactions from XXXX. I sent them the claim letters on XX/XX/XXXX on the all unauthorized charges occurred during XX/XX/XXXX to XX/XX/XXXX. 
The total payment I made on their unauthorized charges is {$1400.00}. After I researched, I found the following unauthorized charges from them started back to XX/XX/XXXX, from then on they charged my credit card {$15.00} and {$8.00} separated each month. I did not authorize or used any of their services, merchandises nor any form of service. I never received any billing, invoices, receipt nor statement from them. I called them on XX/XX/XXXX, their representative told me they could find my account.
Consumer complaint received 2022-12-15
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. (LA)

I am exercising my consumer right under 15 USC 1681c-2 Block of information resulting from Identity Theft. The below accounts were due to identity theft and I'm requesting to have the items removed and blocked from my consumer report within XXXX days. 
Identity Theft Report # : XXXX
Consumer complaint received 2015-08-17
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (NJ)

I am able to pay my mortgage to Freedom. 
This is regarding Freedom soliciting a new refi. 
They called me at least XXXX times. The final time, I accepted. Then they took like XXXX months tostart the process, so I cancelled the refi. Nowthey are uncooperative. I understand that I am still aFreedom mortgagee, however they have beenuncooperative.
Consumer complaint received 2016-02-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

Negotiator advised several weeks ago that the variance on the value was still pending. After multiple attempts to contact the negotiator, we have not received any communications back. We have even reached out to HUD ourselves but still have no response to the status of the file and what is causing the delay.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX  XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2019-07-11
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. (GA)

Duplicate collection accounts from one collector show up on all three reporting agencies, XXXX, XXXX and TransUnion. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. 
I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. 
I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. 

The offending collection agency is : XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from credit report
Consumer complaint received 2021-12-01
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I opened a checking account in Bank of America around XX/XX/2021, using this account to receive services fee from my clients. I am self-employed account, providing tax and account service to our XXXX clients. The account balance is about {$3900.00} when the bank decided to close my account without any reasonable reason. I can't decide which account my clients use to pay me the money, but the bank said I receive money from unemployment benefit card. So I can let my clients to prove this thing, I just received the money from the work I did. I did not do anything fraud or wrong. 

the bank said they will send this decision to XXXX XXXX , XXXX and XXXX XXXX XXXX , XXXX. So it may affect my credit. I totally can't accept this decision. It's unfair to me. 

We family just bought a house right now, we are in closing time to apply for a mortgage loan. I don't wan na this decision will affect our to get the loan. Please help me!
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX GA XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXXXXXX XXXX XXXXXXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Name : XXXX XXXX Incorrect Address:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX Incorrect Employer XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I have found errors on my credit report filed by EQUIFAX. I have contracted them by mail the week of XX/XX/2023 and the week of XX/XX/2023 and they have failed to respond to my letters. I inquired about a charge off account from XXXX XXXX XXXX & late payments being reported by XXXX XXXXXXXX XXXX. the company is reporting inaccurate information on my credit report. I have asked that the information be verified twice, with legal documentation again, ignored /no response. FCRA States that all information on credit report must be accurate and true. Equifax has violated this act ( U.S.C 1681B ) PERMISSABLE PURPOSE. Equifax has failed to respond under time allowed by federal law. I know ask for your help in getting Equifax to respond by deleting the information that their reporting incorrectly.
Consumer complaint received 2019-07-11
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2021-12-01
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. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-12-01
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account ; XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NV)

XX/XX/2021 - We received a Past Due Notice of Real Property Taxes from our County. Along with the past due amount is a Penalty for being Past Due. 

We have an Impound Account established with our BSI Financial Services Mortgage Company payment that is to pay/cover our Property Taxes and Homeowners Insurance premiums XXXX We have paid every monthly mortgage payment on time since the inception of the loan. 

On XX/XX/2021, we went to the County Tax website and pulled up our Property Information and Tax Payment record. It showed the Taxes past due. 

On XX/XX/2021, we also contacted the Mortgage company and signed into our on-line Account. The on-line account as well as our monthly mortgage statement dated XX/XX/2021 shows that the Tax Payment was made in the amount of {$1100.00}. 

On XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, we CALLED the mortgage company regarding the past due taxes. We were given a different person each call, and each person had a different explanation of why the taxes were NOT PAID. We were told there was a problem with the " wire transfer '' to XXXX XXXX NV, we were told the payment was made but did not go through, we were told the issue was being resolved and they would call us back with a " check number '' since the taxes were now being paid individually vs as a group. We were told there are no supervisors, no managers, no person in charge that works for BSI that we could speak to. We were told there is no one in the " tax department '' that takes calls or that can call us back. 

We were never told there was an issue with the payments they made to our County Tax Collector, we were never told there was an issue with our mortgage payments, we were never notified that BSI was having issues with their wire transfer to multiple counties, UNTIL we called in about our Past Due Notice. 

BSI is stating that they had multiple counties that could not accept their wire transfers, yet they did not notify any of their customers. BSI has stated they would take care of the tax payments and late penalty fees, but as of today 's date : XX/XX/2021, the taxes are still past due on the county website.
Consumer complaint received 2023-03-23
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: BARCLAYS BANK DELAWARE (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : BARCLAYS BANK DELAWARE Account number XXXX, Account name : XXXX XXXXXXXX Account number XXXX, Account name : XXXXXXXX XXXX Account number XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EMG ACQUISITION GROUP, LLC (DE)

I have several complaints The first is the I was unable to do an additional loan - I was told by the company that I could not refinance my loan even though the funds were available. They said that it was because the company sees the company that I work for as an competitor and they can not lend to their competitors. When asked if I could see their competitors list they would not provide it to me. 

Previously, I had another issue where I committed to making a payment and a half one week and another payment a half the next week due to funds being tight. The manager agreed to it and once two payments were taken out she promised that she would correct the issue and assured me my money should be back in my account. I called the store several times and got no answer or a call back and got no answer. I reached out online via chat to speak with the regional manager and no one got to me until I called their customer service hotline and finally the regional said that the manager no longer works for the company. But doesnt apologize for the issue.

I had another complaint of the manager leaving a message on a reference of mines phone with is against FDCP regulations In my previous loan with them they paid off my account, unauthorized. I was about 3 months behind due to struggles and she processed the payments saying their systems automatically paid the loan off.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed that this was still reporting. This debt is very old and I have consulted this debt only to know that this account is past the statute of limitations in Utah according to my attorney general. Not only is it past the statute of limitation bu tit is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit file.
Consumer complaint received 2019-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

My income driven recertification form ( XXXX XXXX. XXXX ) was provided to XXXX on XX/XX/2019. The recertification reason, as checked in box number 1, was " I am submitting documentation early to have my income-driven payment recalculated IMMEDIATELY. '' However, XXXX mis-read that the box checked was the second box which states " I am submitting documentation for the ANNUAL recertification of my income-driven payment. '' This is not the box that I checked, and my signature on the form provides evidence of this fact. The annual recertification is in XXXX. I paid {$240.00} on XX/XX/2019 and at that point I had a XXXX balance, with reference to my billings. I timely uploaded my paystub on XX/XX/2019 which show my income is below the poverty level. At that point and going forward, billings should be XXXX. Instead, XXXX has continued to bill me for {$110.00} until XXXX because they interpreted the box in number 1 of the form XXXX XXXX to be the second box ( as outlined above ). They have continued to bill me monthly, with interest, after XXXX, 2019 instead of XXXX monthly billings. 

We called them and emailed them on numerous occasions in attempt to resolve these issues.
Consumer complaint received 2019-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Since the beginning of this year, I have attempted to send Navient my information for an IBR. They have miscalculated my repayment 2 times. ( my income has gone down, yet my payments have gone up considerably. ) I have written to the president of the company. I have turned in my documents three times as of XX/XX/2019. They continue to harass me via phone.
Consumer complaint received 2023-02-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NC)

XXXX and I are both service-connected XXXX Vets and he and his wife XXXX are under contract on a more accessible house that will improve XXXX daily quality of life. I have made an offer to purchase their current home via loan assumption and a cash payment to cover the remaining equity theyve built in the home. VA Loans allow for these assumptions, and the current servicer, Mr. Cooper ( formerly Nationstar ), assured XXXX and I that this process could be completed timely, within the bounds of a traditional real-estate-close schedule. We received these assurances verbally before we signed our sale/purchase agreement. After signing, we immediately reached out to Mr. Cooper with the sales contract and initiated the assumption process. 

We completed all documents they requested, and provided those, along with any documents we anticipated they would require, within 1.5 business days. Mr. Cooper then told us that this process would take XXXX to 6 months. Each time we speak with someone at Mr. Cooper, the number we are given changes once we were told 30 days, the next time 60 days, another time 45 days, and so on. The most recent interaction I had with them was today, and they landed on 4 to 6 months as the estimated time to complete the assumption. I also had XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX on the phone with them today. He was taken aback by the  notion that it would take XXXX XXXXr 4 to 6 times longer to only run credit and order an appraisal than it would to do both of those things AND fund a loan, as they do with new retail loans. 

XXXX XXXX states that they do not have a way to transfer us to the Assumptions team to speak with someone who can give us any sense of whether the paperwork we submitted was complete, what the next steps are, or any realistic time frame. The XXXX XXXX agents weve spoken to have requested internally that the Assumptions team reach out to us directly, but we have not received any calls or emails in response. 

Given the way South Carolina 's real estate laws work regarding XXXX money, both XXXX and I stand to lose thousands if our deal falls apart, as it would cause his other deal to fall apart as well. Worse, however, is that XXXX and XXXX will have restart their sale and search processes and prolong the time spent in a home not well suited to XXXX needs. We are desperately seeking a timely solution for this issue.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX. XXXX XXXX XXXX is reporting a debt I do not owe. I made my last payment in XX/XX/2015 and gave a 30 day notice to indicate I was leaving. They are trying to charge me for the entire time that the apartment was vacant before new renters. This debt should be past the statute in California as the date of last activity they have is inaccurate.
Consumer complaint received 2021-06-15
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. (NJ)

On XX/XX/2020 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. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.