davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NV)

i made a payment over the phone with JPMCB agent XX/XX/22. i gave all my account information for the payment and she input it incorrectly. I gave her my entire account number correctly more than once. I was made aware of the error only after they reported my account 30 days late. They stated the account number was missing a digit a digit that their agent left out. I have proof that I had funds in the account the day of transaction. I also have proof that the same account was being used for months to make the payment. Chase refused to let me hear the recording to prove it was my error. Stating they will not reverse the 30 day late. As you can see in my history i do not have a repayment issue. I have excellent credit and plan on keeping it that way. I demand proof that the missing digit was my error and not theirs as i provided the same banking information i always have when making my payment. Thank you
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

This complaint is in regards to my Conventional Home Loan # ending -XXXX with Wells Fargo Home Mortgage ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) and the miscalculation of my escrow account. 

On XX/XX/XXXX I was informed by monthly payment would go up from {$1800.00} to {$1900.00} ( XXXX or 8.25 % ) unless I paid {$1000.00} by XX/XX/XXXX. 

I have elected to pay the amount requested. 

The reason sited for the increase was due to an Escrow Review where my balance would drop below the minimum requirements. 

Upon closer inspection of the forms the reason for the increase was a failure to include my property insurance by Wells Fargo. See page 2 of the XX/XX/XXXX Escrow Review Statement.  Actual XX/XX/XXXX to XX/XX/XXXX does not include Property Insurance but  XX/XX/XXXX to XX/XX/XXXX Projected does include an estimated charge of {$2400.00}. 

I took out this loan in XX/XX/XXXX and I actually received a refund in XX/XX/XXXX ( attached XX/XX/XXXX Escrow Review Statement ). 

The problem appears that insurance was not assessed into my Escrow account due to prepayment at the time of funding my loan. As apart of my closing costs I prepaid 12 months of insurance in the amount of {$2600.00} ( page 3 of my closing documents - see attached image ). 

After gathering these documents I contacted Wells Fargo Mortgage company on the number listed on the Escrow Review Statement XXXX on XX/XX/XXXX @ XXXX XXXX CST. I spoke with XXXX and relayed the above information, she did not dispute any of the enclosed details and re-ran the escrow report which came back with the same figures in the XX/XX/XXXX Escrow Statement. 


My complaint against Wells Fargo Mortgage is their Escrow calculations are only built off certain periods of time and do not take into account circumstances such as prepayment of insurance at closing. Furthermore, it appears Wells Fargo only utilizes certain periods of time Actual vs. Projected that fall within the mandated Escrow Review period. I recognize I am responsible for paying property insurance and property taxes ; however, I have relied upon the calculations of my lender to prevent surprise. I also understand my monthly payment can change due to fluctuations in property taxes, property valuations, and property insurance rates. None of these circumstances applied in my situation, my taxes nor my insurance went up. I am very disappointed in the services provided by Wells Fargo Home Mortgage they did not look after my interests as their customer.
Consumer complaint received 2019-03-17
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. (PA)

i have reached out to XXXX and XXXX  about this account a few times already they have dont nothing at all to fix the problem. They are saying i have a balance of {$1400.00} in which i contest to the fullest.
Consumer complaint received 2018-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I have worked at a non-profit organization since XX/XX/XXXX. Since XX/XX/XXXX I have paid on-time payments each month. When I initially started making payments on the income based plan I realized my total overall amount was increasing due to interest. I called XXXX and was advised that I could change to the standard payment plan, and that this plan would still qualify me under the PSLF program. Again, since XXXX I have paid on-time payments, never missing a payment, or being late for a payment. I am now told that none of these payments qualify under PSLF. I am beyond disappointed and feel this is unfair and unjust. Again, I was told by XXXX that I would qualify for PSLP as long I my payments were on-time for 120 payments. I have attempted to speak with someone via email multiple times regarding this issue, but am only given a very generic response.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have tried so many different ways to place a credit freeze on my TransUnion account. Everytime I call in, I have to get through what is probably the worst automated system on the planet and when I try to online, it says the status of my freeze is unknown and directs me to call. 

On the off chance I am able to get through, the customer service agents keep redirecting me around. I just want to be able to login and change the freeze status. IS that too much to ask for a stupid company that I am required to use for credit
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-03
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. (GA)

accordance with the fair credit reporting act XXXX  account # XXXX, has violated 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution. 

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account. 

Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures. 

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future. 

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution. 

Failure to address this issue promptly may compel me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assistance to remove these fraud items in my credit file : 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 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
Consumer complaint received 2022-05-03
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. (MN)

Account number XXXX Account status Open Date opened XX/XX/XXXX Account type FHA Mortgage The credit bureaus and this company has violated my rights under the CARES ACT and COVID-19 Pandemic.Under the FCRA passed by Congress 15 U.S 1681 B -.

Permissible purposes of consumer reports 15 U.S 1681 - Congressional findings and statements of purpose.

15.U.S 1681 C - Requirements relating to information contained in consumer Reports The credit bureaus have violated my rights under all these laws. 


Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card The credit bureaus and this company has violated my rights under the Under the CARES ACT. It must be deleted Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection The credit bureaus and this company has violated my rights under the HIPPA act. It must be deleted. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ).

They have not been reporting inaccurate information. Under Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law. Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information. To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus and they have failed in this regard.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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
Consumer complaint received 2022-11-30
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. (GA)

Back in XXXX, XXXX  I started to access my credit files to see which accounts were showing, and noticed that XXXX XXXX XXXX XXXX reported I opened a XXXX card account. Immediately I reported to the Credit bureaus that the account was not mine. That it was fraud and I wanted the card account to be removed from my credit files. For {$27.00} that was showing account balance my credit score went down XXXX points!!!!!!! In the meantime, i also contacted XXXX XXXX XXXX XXXX by phone to dispute the validity of that credit card account. They started to investigate and finally sent me a letter dated XX/XX/2022 that they disagreed with my claim that the account was opened fraudulently. I offered to pay the balance due just to get rid of the account I did not open. Still they insist the account is mine, the card was used in XXXX, XXXX but I live in XXXX, XXXX. I am asking your office to intervene in this matter and XXXX XXXX XXXX XXXX XXXX to accept my claim and erase this account from my credit files as if it never existed. My address with them has always been in XXXX. By no means I used the car in XXXX, XXXX. They ruined my credit report without considering the facts I presented. I did not apply for the XXXX credit card.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2021, I received a letter indicating that I had completed an online application. I contacted them and told them I had not done so and requested a copy of the application. Despite several follow up calls, they have refused to provide any information for us to give to the police to learn more about how this was done and perhaps by whom.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (DE)

Received an email in reference to {$630.00} balance due on XX/XX/2022 from a XXXX XXXX. I in turn called and spoke with her stating I would be making a payment of {$400.00} on XX/XX/2022. A hand delivered notice was place on my door this morning XX/XX/2022. No further contact was necessary, I know my rights and they are in violation : 15 U.S. C. 1692b and c and d and e and f 18 U.S.C. 1514 My payment will be made as I stated to them.

Thank you for your time and assistance in this matter. 

Sincerely, XXXX
Consumer complaint received 2023-07-27
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

Account address ID # XXXX, has violated my rights and is incorrect. 

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 an account with my written instructions.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXXXXXX XXXX {$980.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX {$7100.00} XXXX XXXX Bankruptcy # XXXX I wish to clarify that I have not file for bankruptcy, and to support this claim. The Clerk of Court confirmed they do not furnish information to any third-party including credit agencies. If any Credit Agencies states that they did not received my personal information from a secondary agency is a violation of the Fair Credit Reporting Act to report false information I have not supplied proof under the doctrine of estoppel by silence, Englehardt v Gravens XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, in fact therefore any such debt, in fact therefore exists. 

According to the Consumer Law 15 US Code 1681 Section 602 ( A ) States I have a right to Privacy. 15 US Code 1681 US Section 602 ( A ) 2 A Consumer Agency can not furnish any data on my credit report without written instructions. 15 US Code 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse items. 15 US Code 1681 S 2 A 1. A person shall 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. 15 US Code 1681 I5 the consumer reporting agencies are supposed to modify accounts that aren't reporting accurately.
Consumer complaint received 2022-06-12
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. (DC)

I received a letter from XXXX XXXX in XXXX of 2022 informing me that the late payment on my credit report will be removed from all three Credit Reporting Agencies. However, its still reporting on all three credit reports.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

PayPal issued a purchased to be done through a loan they call Pay in 4. I was never notified on the matter. I could have made the payment in full and thought it was going through PayPal Credit but instead they did it through their own loan payment process. I was not notified of this. I was not notified of any payments needing to be made. There was no way to view it or see that I owe anything on their website. I have automatic payments set up through my PayPal account but they don't link them to it or anything so there was now way I could make a Payment or even know I owed anything They sent my information to a debt collections agency. When I called PayPal about it they had no idea about it. They couldn't even tell me where to view the transaction. They couldn't tell me where to view the balance. They couldn't tell me where to go to make payments. They weren't even sure which department to talk to. They even suggested I talk too the collections agency who they sent my personal information to ( without my authorization ) and talk to them about PayPal Processes. They had added fees to this without warning. They are saying that this will also be reported too the credit agencies. There was no authorization of this, no message from them or indication on the website about needing to make payments, and no help from PayPal to resolve this issue. This feels like a scam.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I started my refinance in XX/XX/XXXX. Chase said I was approved mid XXXX. The underwriters continue to request information, i.e. recent pay stubs. I have promptly given them EVERYTHING needed for this refinance. I have a great credit too. They have my current mortgage. By not closing on the loan, I am losing {$120.00} a month because my new rate is 2.65 % down from 3.75 %. I sent paystubs ( again ) a few days ago. Today, I am being asked why my income this time last year was more than this year. Seriously? I find Chase 's delay unfair, deceptive, and unneccesary. To me it seems, Chase is stalling me and just waiting for me to give in and not refinance so they can keep {$500.00} commitment payment and not give me the rate I was offered. I emailed Chase morgage lending executives and my service person 's boss on XX/XX/XXXX. No response. I spoke to the person who started the loan process and asked him for assistance also on XX/XX/XXXX. Nothing has changed. Chase underwriters continue to ask me for more documentationo. Do they have a legal obligation to close within a specific timeframe? I am at my wits end. And, I need guidance. Please assist. Thanks. Best, XXXX