davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Predatory Lending Practices : I called Comenity, Ann Taylor Mastercard ( XXXX ) and attempted to establish automatic payments. The website only allows customers to set up one-time payments. In the past I had established automatic payments by calling. I was told today, by two separate representatives, that the website is the only way to set up payments. I informed each rep that the website does not allow automatic payment setup. They claimed it was a glitch to which I responded that the website has never offered automatic payments and last time I wanted them I had to call, which was last year. The reps claimed there was nothing they could do. I requested to speak with a manager to no avail. 

This is a predatory lending practice ; to deny automatic payments in the hopes that customers will miss payments and the company will collect fees. In addition to denying basic services, the service reps were disingenuous as they insisted that automatic payments could be set up online. I cancelled my account with this bank.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have been trying for over a year to get the inaccurate information such as addresses and employment information removed off of my consumer reports and these companies are not removing them. In fact they are completely ignoring me and my request. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. My personal information is completely INACCURATE. This is completely unfair to me because I was never even notified when these companies initial investigation begun and that they were going to report this information. This grave error has undermined my confidence in your company 's procedures and as a result, I will NO longer be extending credit and if this information is not removed, I no longer want my information reported in your company 's database.
Consumer complaint received 2022-03-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2007 I went to WAMU at age XXXX to renew my current mortgage and combine the second mortgage i also had with them. I wanted to get my loans in order for my retirement. I explained that I was retiring soon and will be on fixed income and desired a fixed rate loan. I was told that they had a new product that would work perfect for me and agreed to take the loan. They also advised me that I would have to payoff my car and some credit cards, but that it would be better for me. I was told that the loan was a fixed rate product and that I would have an initial period of a variable rate which would allow my payments to be lower at first then convert to a fixed rate with a payment of {$2600.00}. 

I am now XXXX and had my son go through my things to make sure all is good. He has discovered that I am on an interest only loan and my balance is the same as it was 15 years ago. I was never told that i would have a balloon payment at the end of my loan and that I would be interest only for 30 years. I have tried to get answers from Chase with no help. 

We have gone through the paperwork which I had saved, and can not find any legal documents with the note or HUD Settlement statement. I would like Chase to forward me the original XXXX application and the legal note and documents that i had signed at that time.
Consumer complaint received 2022-06-20
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. (VA)

I have been trying for over a year to get the inaccurate information such as addresses and employment information removed off of my consumer reports and these companies are not removing them. In fact they are completely ignoring me and my request. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. My personal information is completely INACCURATE. This is completely unfair to me because I was never even notified when these companies initial investigation begun and that they were going to report this information. This grave error has undermined my confidence in your company 's procedures and as a result, I will NO longer be extending credit and if this information is not removed, I no longer want my information reported in your company 's database.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NJ)

My Credit Karma money spend account waa locked but somehow my whole tax return was able to be deposited into my account. I then submitted the necessary documents to get my account unlocked and nothing!!!! 
Im not able to withdraw my money and my account is still considered frozen. I can not speak to the specialized team/fraud department that is handling my claim the only information I get is that my claim has been escalated and its process. And someone from the special team will get back to me. I have callled 3 times a day for a week and I have emailed every day. I have no money and my bank account is overdrawn XXXX. I am accruing returned fees and overdraft fees. No one can help or give me a timeframe as to when my account will be unlocked or the issue resolved.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Sirs, XXXX  XXXX XXXX pulled a hard inquiry on my Experian credit report on XX/XX/2018. 
I have never authorized this inquiry and I kindly ask you to remove it. 

Thank you XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-24
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. (NJ)

I've called the credit bureaus to try to correct my information and removed the addresses that are not mine and was a sibling address and they have not removed it. 

I sent a letter out XX/XX/22 and I am sending one out today again to make sure they do it but I need this done soon as possible.
Consumer complaint received 2022-06-20
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. (MO)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & 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 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (LA)

I had damage from Hurricane Ida. Rocket Mortgage has been horrible to deal with. My claim check was for {$64000.00}. Since the claim amount was over {$50000.00}, the check had to be made payable to both me and my mortgage, Rocket Mortgage. This whole process has been one ordeal after another. They kept my initial draw of {$50000.00} for almost a month refusing to direct deposit the funds into my checking account. I would call every week and was told a different excuse each time... ..they were short handed due to COVID and each time I called, the time frame for us to receive the check kept getting longer and longer ; my funds were sitting in my escrow account because a case worker had not been assigned. We are 75 % complete on the repairs and had to send photos via an online app. My balance they withheld from me is {$14000.00}. I have invoices for {$5000.00} for flooring and {$9000.00} for fencing. I tried to explain to the rep at Rocket Mortgage that I need the total of the balance to pay the contractors in order for them to start the work. They are only sending me a check for {$7400.00} and advised once the repairs are done 100 % they will send the balance withheld. I tried explaining to them that in order for me to complete the repairs at 100 %, I need the remaining balance. I also requested interest be paid on the balance as they withheld my money for 4 months.
Consumer complaint received 2022-06-20
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. (MO)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & 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 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

FedLoan Servicing has refused to update my credit report with their transfer of 2 separate Department of Education Loans to XXXX. The transfer occurred on XX/XX/XXXX. I disputed the reports through the XXXX XXXX app in late XX/XX/XXXX, then again in XX/XX/XXXX, well over 30 days since they transferred the loans. 

The dispute resulted in that FedLoan did not agree and the dispute stated it was resolved with the XX/XX/XXXX balance still reported. Both Department of Education loans have been paid in full through XXXX since the transfer. Incorrect information can have a significant impact on my ability to obtain other credit and demonstrate current financial obligations. 

FedLoan Servicing has made many errors on my account including withholding that they were going to capitalize interest or failing to give options for repayment. I had to learn how to do everything myself during my time with them as they consistently led me towards increased debt and capitalized interest. They took 6 months to process changes such as payment plan changes and when I was on XXXX mishandled paperwork. Please help me fix this issue so I can finally be rid of FedLoan Servicing and their criminally incompetent business practices.
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB (AR)

I was offered a settlement with Klarna through XXXX XXXX. I accepted and paid. Klarna has since refused to accept the settlement and is asking to collect an additional {$59.00} everytime I log onto the app. I emailed them the copy of the settlement and they said that XXXX should contact them. I called XXXX XXXX and they resent the information to no avail. I would like this balance settled. 

I have sent the information to Klarna also. They refused to accept it.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (FL)

Opened a new checking account with Truist Bank online, XX/XX/2022. Deposited the minimum amount to open the account {$50.00}. The next day, the bank froze my account and has refused to return my {$50.00}. I have made two attempts to retrieve the money by personally speaking with bank 's representative at the branch in XXXX, Florida, XXXX XXXX XXXX, # XXXX. 
Called the bank 's main number # XXXX, several times but to no avail. All they tell me is that the account is under review. 
At this stage, I just want the {$50.00} returned.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as i have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. YOU ARE REPORTING LATE PAYMENTS WHEN I WAS NEVER LATE!!! 

1. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE ; I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I have attached proof that all these payments were made I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity.
Consumer complaint received 2021-04-13
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. (NY)

There are 5 accounts on my credit report that are not mine they do not belong to me I have not signed used or approved for these accounts this is clearly identity theft and I need this taken care of asap. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A XX/XX/XXXXpayment was made on XXXX XX/XX/20 for XXXX with XX/XX/XXXX+ {$6.00} fee. from my debit card the recipient can not get into his fb acct he tried through a tech support still can't get in so he opened a new XX/XX/XXXXacct he doesn't see the $ I reported this to XXXX it appears to be automated can't speak to a live person I also disputed the claim with my banking institution normally with a debit card you receive temporary credit bank refused to do so I was also accused of lying by there employee who handled my claim she claimed the recipient received the funds without checking or researching which I didn't apppreciate recipient can not access his acct he doesn't remember his old password must be having problems resetting it.
Consumer complaint received 2022-03-04
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. (CA)

I hired XXXX protection in XXXX to assist me with my credit in XX/XX/2022 because old debt was resold to creditors after already being paid off. 4 letters have gone out to the credit bureaus to rectify the situation. Transunion has not complied with the request and my credit score is still being effected with previous paid off debts. I have disputed the debt with TranUnion to take off the debt of XXXX Bank in the amout of {$1800.00}, XXXX XXXX And XXXX for XXXX XXXX XXXX in the amount of {$2400.00}, and XXXX XXXX Bank in the amount of {$2700.00} 4 times now.
Consumer complaint received 2021-11-19
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them and they are constantly reporting on my account. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charged off : XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} Collection : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX {$410.00}
Consumer complaint received 2018-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

After buying a house in Florida, and the loan sold to Freedom. I received a notice in XX/XX/XXXX that the real estate taxes that were supposed to be paid in XX/XX/XXXX weren't paid and the house was going to be put in for a tax sale in XX/XX/XXXX.

There were numerous very heated calls for them to rectify their mistake, and they said they would take it into consideration and would have an answer in 30 days. Well at that point the house would have been in the tax sale.

In order to save the house, I went and paid the tax bill, expecting and telling Freedom Mortgage that they had to reimburse me for the {$4000.00} that I laid out. Now its XX/XX/XXXX, and the account shows that they are only reimbursing me {$1700.00} stating that they escrow analysis which means I am out {$2200.00} that they kept because of their stupidity.
Consumer complaint received 2018-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that that is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of XXXX, Transunion and XXXX. There are laws and I have rights and I ask that this negative paid as agreed XXXX  balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,
Consumer complaint received 2018-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (AR)

i make my payments online at XXXX money card, i had went online and canceled the payment, till i talked to CHASE bank because our AC went out and it was 97 in our house, my son was having XXXX on XXXX XXXX XXXX and my wife that had XXXX 4 times was sick and the heat was to much, when i looked on debit card XXXX had sent the payment ,XXXX ONLINE PMT-CHASE BillPay - {$480.00} so i called CHASE and explained they said they understand they be no problem, so i get an email on the XXXX saying it be 7 seven days it Know the XXXX and no refund, this is the email from CHASE,,, Thank you for contacting us through our Secure Message Center. I certainly understand how needing a refund of your mortgage payment due to family emergencies can be overwhelming. My name is XXXX, and I appreciate the opportunity to assist you. 

After reviewing your account, I see that your refund was not sent by mail ; however, I can confirm that on XXXX XXXX XXXX, we returned {$480.00} to the bank that sent the payment. I sincerely apologize for this confusion. It may take up to 7 business days for this to show on this account. I can kindly suggest monitoring your account that you made your payment from to ensure your funds are returned.

If you do not see this refund in your account within 7 business days of the return date of XXXX XXXX XXXX, please feel free to contact us through our Secure Message Center or give us a call at any of the numbers listed below. We are available Monday through Friday from XXXX XXXX  to XXXX XXXX, and Saturday from XXXX XXXX to XXXX XXXX., Eastern Time. 

XXXX, if you require any further assistance, please let me know. I am only an email away and always here to help. 

Take care, and have a great day. 

Best regards, XXXX XXXX Chase XXXX XXXX TTY / Text Telephone, as it turns out they sent it the executive office, and she said wait till Monday and i already no they will be no transfer, from the XXXX till today it been 12 days, i fell like i discriminated against, because they just give me run around and they will be nothing done by CHASE, if customer support fails this bad and needs and executive to fix a simple solution, then something is not right, and i need help, this problem has cost me more than i ask for back from CHASE, JP Morgan