davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

XXXX, XX/XX/XXXX Re : CFPB Complaint # XXXX Loan # XXXX Property address : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX : I am not required to provide you with all my personal banking information. Please provide proof of such a requirement. 

XXXX XXXX your statement does not make it fact. The two pages of my statement provide all and sufficient data required for proof of payment. Admitting you are wrong is very difficult. 

XXXX XXXX provide substantiating data that show in XXXX of XXXX an actual need to increase our mortgage payment. 

XXXX XXXX if such proof is not provided, I request the CFPB rightly find you personally and Planet Home Lending , LLC in violation of the terms of my mortgage agreement. XXXX XXXX and Planet Home Lending , LLC must be held accountable to the highest degree of the laws. 

Empirical data proves that Planet Home Lending , LLC has a history of misrepresenting the truth, changing the monthly loan payment without ANY substantiating data and then falsely reporting to credit reporting agencies. 

Logically one would try to contact Planet Home Lending , LLC about the above mentioned issues but there is not customer service and a point of contact is never available and furthermore never is there a return call. 

Planet Home Lending , LLC is a predatory lender ; it is not conducting business in an honest and above-board fashion. They are lying to suit their purpose. I have provided sufficient, legal data to show proof of loan payment. These data are sufficient in all legal matters. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-13
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. (GA)

My dispute was received by all three credit bureaus ( Equifax, XXXX, and XXXX  ) and I have got to hear a response after 30 days. The initial dispute was sent on XX/XX/2021.
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (VA)

XXXX XXXX Credit Karma advanced refund lie. 

Used XXXX to do my taxes for 2021. They claim credit Karma can give an advance of up to {$1000.00} for your tax refund after a few hours of your refund being accepted by the irs. They have this advance plastered everywhere but once you sign up it disappears and there is no help in regards to credit karma and the advance. Credit karma simply mislead me into believing that I code get a refund advance and have it within 24 hrs if not a few hours.

No customer service no response or reply from credit karma. I found a comment section that had hundreds of complaints about this same situation happening to others. Having someone sign up to use your app just to not have the one thing the user wanted available is totally misleading. I would have never opened up an account with credit karma if I knew they were like this. Now I have to wait until my refund arrives and hopefully they wont freeze my account ( horror stories Ive read online ) so I can transfer my funds out of there.
Consumer complaint received 2022-12-04
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. (IN)

In accordance with the Fair Credit Reporting act XXXX the Accounts below, have 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX  XXXX Late Payment XXXX XXXX XXXXXXXX Late Payment XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXX Late Payment
Consumer complaint received 2022-10-09
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 (GA)

Genesis FS CARD SERVICES failed to give me the proper disclosures under 15usc6802, also known as the Gramm-Leach-Bliley Act
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

XXXX payments are paid out in arrears meaning XXXX 's payment amount is for the month of XXXX. 
My wife passed away XX/XX/XXXX XXXX payment made XX/XX/XXXX Without any notice Chase placed the payment on hold, it still is today. 
Several contacts with both Chase and XXXX, including a joint phone call between XXXX, Chase and myself is still ending with Chase not releasing the funds to XXXX or to myself. 
Chase is keenly aware they do not have right to the XXXX funds. In the phone conference with XXXX and Chase, XXXX said I should sue Chase. 
I need help! The money is needed. 

I have met with Chase at the branch level on XX/XX/XXXX and XXXX. 
I have called XXXX XX/XX/XXXX? and XXXX, XXXX, XXXX. 
I arranged a phone conference with XXXX, Chase and myself XX/XX/XXXX. This phone conversation should be recorded by Chase. 

I also emailed XXXX XXXX XXXX, Chase Official listed on internet, XX/XX/XXXX at XXXX eastern time. No response to date.
Consumer complaint received 2019-07-31
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Consumer complaint received 2022-12-04
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. (IN)

In accordance with the Fair Credit Reporting act XXXX the Accounts below, have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX Company XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX Late Payment XXXX XXXX Bank XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX Bank XXXX Late Payment XXXX XXXX Late Payment
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Disputed about XXXX Hard Credit inquiries on my credit report that were not made by me, Transunion did not remove those hard inquires of my report, nor did i get a reply or any kind of update on my complaint. 
I also have XXXX different XXXX accounts on my credit report, i have never had XXXX different accounts with them and those impact my credit negative
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (IL)

Chase Auto Finance and Tax Payments For those of you that live in Connecticut this is for you. 

If you lease a car via Chase Auto read the fine print of the lease paperwork- which was never pointed out to us at the time we purchased the vehicle, as Connecticut bills the lien holder for a 6 month period for property and excise tax on a motor vehicle. And then the state keeps billing in 6 month increments until you no longer own the car, have moved, died, or it was stolen. In our case, Chase paid over XXXX in taxes on this vehicle. 

Chase automatically pays the taxing authority and then sends an invoice to the customer claiming the amount of tax they paid on your behalf and expect it paid within 30 days. 

It turns out that in our case an appeal was filed on our behalf, by us, and it was very quickly, I might add responded to, and corrected by the State of Connecticut with a refund.

Since Chase Auto paid the taxing authority and we paid Chase accordingly the refund goes to Chase first and they refund the money to us.

Chases Auto unit is dishonest, fraudulent, inept, unprofessional, lazy and has no accountability. Its so bad that even other Chase employees of enough stature ( private client banking employees ) within the bank cant get this unit to do its job properly. 

This process of getting a refund, which the State of Connecticut has approved and paid to Chase, is going on 9 months yet as the customer, we cant get our money back. 

Connecticut has provided everything weve asked for in a timely manner. The XXXX XXXX tax authority has done nothing but bend over backwards to help us yet Chase Auto cant seem to handle the most simple of tasks. Its so bad that if the money ever does get refunded that they cant even EFT it to my Chase checking account. They have TO SEND A PAPER CHECK! 

The documentation and details surrounding this issue would fill up a file drawer. One of Chases biggest problems is that they cant even have their customer service agents provide basic information, like when did Chase Auto actually pay the tax bill? Or, when was a refund physically received by Chase Auto vs. when it was processed? After 9 months of XXXX  I actually had an agent today say to me that they dont even show a refund request in their system. Seriously, I cant make this stuff up. 

The problem is that the bank has no accountability built into their system. They dont care who you are what you do with them as a customer. They just want their money and they dont care what the have to do to get it. And in this case, once they get your money, they dont want to return it.
Consumer complaint received 2015-12-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My mother and I open a bank account at Bank of America in our name only on XXXX/XXXX/2015. In XXXX XXXX, Texas. I tried to use the card and the transaction was not approved. So I returned to the bank to check what the problem was. I was told by the bank representative that the accout was closed on XXXX/XXXX/2015 at a Bank of America in XXXX, Texas. So the representative call the location and they stated that it was closed by my Mother in person. My sister inlaw lives in XXXX and she worked at that location. The representative that was helping me told the rep at the other location that she helped us open the account and that my mother was here in XXXX XXXX, and than representive went to her manager and they did nothing about it. I also explain that my sister inlaw does have my mothers drivers license because my mother did live with her at one time. 
On XXXX XXXX, 2015 I took my mother out of the XXXX and brought her to my home in XXXX XXXX. Since Bank of America here in XXXX XXXX would not do anything about it. I did filed a fraud complaint with Bank of American. The complaint was taken down incorrectly. So I filed a second one and they still stated that my mother went in to the bank and closed the account. Bank of America refuses to view the video so it can be proven that my mother was not present when the account was closed. I strongly believe that my sister lnlaw new the person that help her close the account, because she did work there, that would be the only way the account could be closed. As I said before my mother was not there. I am at witts end with all of the actions of Bank of America. The amount taken out of the account was {$1000.00}. 
Adult Protective Service has already placed Identity theft notice on my mother 's social scurity number. Because my sister In-law has taken monies out of the account that my mother had with Bank of America for years that was the reason we openned up another account. 
Please Help
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Out of all the three Credit Bureau Experian continues to report incorrect information on my credit report and lowers my credit score by XXXX points from the other bureau. Example as of XX/XX/2021, I had a credit score of XXXX and 3 months and 8 days my credit drop down to a XXXX. They also continue to report the following items that not my account and that has been deleted from other credit reports because they were not my accounts 1XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID XXXX XXXX XXXX. 2.XXXX XXXX XXXX ACCOUNT # XXXX {$1500.00} 3.XXXX  XXXX Bank {$1400.00} 4 . XXXX XXXX {$1500.00} They are also showing lates and closed accounts that are still open and I have not received anything from the creditors that the accounts are closed or late, and I make monthly payments on these accounts and received monthly statements from them. And some of these accounts balance is incorrect with wrong account numbers 1.XXXX XXXX ( Still Open and never been late ) 2. XXXX  XXXX  XXXX ( Still Open and never been late ) 3. XXXX ( Paid off and wrong account number )
Consumer complaint received 2023-01-13
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: CREDIT ACCEPTANCE CORPORATION (MI)

CFPB, Here are the documents that proves Credit Acceptance Corp. was provided and was notified by XXXX that I disputed my prior payment history because it was incomplete and inaccurate. ( See Attachment below ). Credit Acceptance Corp certified to XXXX that the prior payment history was correct and accurate. ( See Attachment below ) I pulled a new credit report from annual credit report. ( See Attachment below ) Credit Acceptance Corp did not fix any of the prior inaccurate and incomplete payment history. ( See Attachment below ) Credit Acceptance Corp knew that the payment history was being reported incorrectly. My payment history was blatantly obviously incorrect and incomplete. ( See Attachment below ) Violation after violation. Either correct the account or delete it immediately. This is your last chance to fix your companies inaccurate and incomplete reporting of my payment history. Do the right thing, thank you. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  1 day ago ) to XXXX XXXX. Ive disputed the accuracy and the incompleteness of my payment history with XXXX, regarding credit acceptance corporation. I will attach documents so you can see for yourself. XXXX says that XXXX  has verified that the prior payment history is accurate and correct. Will you please explain to me how this payment history could be verified as accurate and correct? I will attach all the supporting documents and you can look at it yourself. Ive been extremely patient. Theres XXXX violations. This is my final attempt to have it corrected or deleted. I just want to move on with my life. Thank you. XXXX XXXX
Consumer complaint received 2019-10-08
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: Experian Information Solutions Inc. (CA)

I've tried on several occasions to get a few accounts listed in dispute to have the dispute removed as I'm no longer disputing the accounts. Experian REFUSES to remove the dispute language on the accounts and it's causing me a great deal of difficulty in completing a home loan. I have tried for past several months to get the accounts removed but they will not remove the disputes.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have sent EXPERIAN a certified letter to try to get this matter resolved under tracking # XXXX. The letter has been received. 

There are 4 accounts being furnished under my consumer report which are : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 usc 1681- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates. 

I XXXX XXXX, the consumer have never given EXPERIAN any written consent to report/furnish anything on my consumer report. No consent is Identity theft. 

This is a direct violation by your company.
Consumer complaint received 2019-07-31
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. (HI)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX  XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2022-02-08
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. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2019-07-31
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)

I have six different loans with Fedloan servicing, I recently refinanced my home and sent three checks with clear instructions for Fedloan Servicing to apply those three checks to three of my loans ( loans with higher interest rates ). I made a cover letter for each check with clear instructions and also wrote clear instructions on the checks about how to apply the checks. I called their customer service and they said that they'd apply the checks as I requested. However, they just spread the amount among all six loans and left the higher interest loans with higher remaining balances. It's completely against what I had requested. I haven't received any resolutions yet, Please help me resolve this issue.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance to Fair Credit Reporting act. The list of accounts below has violated my federally consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a 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 agent 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 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

On XX/XX/XXXX I closed on a house and Cardinal Financial was the mortgage lender. On the closing discolsure they had one full year of XXXX property taxes and 3 months of property insurance fees after paying both in full for XXXX. This has left a balance of over {$6000.00} in my escrow account. Additionally I'm paying over {$800.00} per month for property taxes and insurance for all of XXXX. By the time XXXX property taxes and insurance are due there will be in excess of {$15000.00} in escrow. As of today ( XX/XX/XXXX ) I have notified Cardinal of this issue and they refuse to refund my money. 
Cardinal claims that federal regulations require them to keep this balance. Based on consumerfinance.gov this is not the case. So, this appears to be an attempt by Cardinal ( and likely other mortgage lenders ) to make a profit center out of escrow funds. By keeping all their mortgage lender 's escrow account over funded their can make millions of dollars in investments and interest and possible increase the lending power at the expense of their mortgage payers. This should be illegal to mislead the mortgage payers with such practices, lying about federal regulation, and not disclose the purpose and use of the excess escrow fund. Such mortgage lenders should be investigated and regulations put in place to disallow this practice.
Consumer complaint received 2022-02-08
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. (MD)

I've attempted numerous times to get this report squared away but, I can't seem to get any help. There is incorrect information still on my report... Please only respond and correspond through CFPB if you attempt to contact me through any other means besides the CFPB portal, I will consider it harassment.