davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

Chase is holding my money in escrow from an insurance claim check. I've had an inspection and they say I'm 50 % complete with the project. Additionally, I've submitted {$75000.00} in paid receipts. 

Chase has only released {$60000.00} of the total {$170000.00} in total insurance funds ... which is 33 %. 

I've tried numerous times to get help, but they refuse to release a reasonable amount of funds.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (TX)

I paid off and closed the XXXX card. Unfortunately they don't take that as a reason not to assess a general fee still so it added balance and put the card way past due. 

I spoke with an associate on the phone that confirmed this. That even if your account is paid off and closed they will continue to assess fees
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CT)

I received my escrow analysis statement dated XX/XX/2019 Immediately I noticed an error as my XXXX month activity was showing {$0.00} however I have never missed a payment or had a late payment for the 4+ years we've had this loan. 

XX/XX/2019 - I called the mortgage company ( RoundPoint ) and spoke to XXXX a customer service employee who saw the same issue as I and said he would request another analysis to be completed on the account I was total 3-5 business days to reanalyze 20 min call XX/XX/2019 - I called RoundPoint again because no one had gotten back to me and spoke to person who was extremely confrontational and was not listening to the issue. Ended call with me deciding I would call back and speak to someone else 22 min call XX/XX/2019 - I called RoundPoint and spoke to XXXX who also was pushing back on my request however at the end of the call said she would request another analysis to be completed on the account I was total 3-5 business days to reanalyze 37 min call XX/XX/2019 - XXXX called me and said that the escrow department refused to reanalyze the escrow account as I had " no basis '' to request one. I explained that 12 payments were requested and I made 12 payments so how are 11 payments only listed as actuals against my account. XXXX mentioned minimum balance in account to be $ XXXX. I then asked her for the calculation for the minimum required balance in the escrow and was told she would email it to me. She put me on hold and spoke to escrow department and they agreed a variance was noted and would reanalyze. 36 min call XX/XX/2019 - XXXX called me and said that the escrow department refused to reanalyze the escrow account. We again went through what was going on. XXXX mentioned minimum balance in account to be $ XXXX AGAIN. I then asked her for the calculation for the minimum required balance in the escrow and was told she would email it to me. At the end of the 1hr 15 min call we found out the beginning balance of the escrow analysis statement was incorrect. She requested that the escrow account be reanalyzed. I was told it would take 3-5 business days. 75 min call XX/XX/2019 - Called XXXX directly as no call received back about analysis. Left voicemail 0 min call XX/XX/2019 - XXXX called me and said escrow department refused to reanalyze the escrow account. 10 min call XX/XX/2019 - XXXX requested a time to call me. I had asked for the analysis and was told they are not reanalyzing. I then asked her for the calculation for the minimum required balance in the escrow and was told she is unable to give it to me but that she could call me to explain it. I said email me the calculation so I can see how it is completed and then I can setup a time to speak to her. 

All of these communications are taking up unnecessary time and the company is REFUSING to reanalyze the escrow account or provide details on what constitutes the minimum for the escrow account balance.
Consumer complaint received 2018-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

got notice saying im being sued by capital one. I dont have a capital one card. I am XXXX  XXXX and XXXX. I am also a XXXX XXXX XXXX. I sent capital one and the courts papers for them to verify that I owe. I never heard anything back debt has not been verified. I dont have a capitol one card. I am a victim of fraud and the court/ capital one is suing me.
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. (TX)

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the unsuccessful attempts to remove a charge-off entry from my credit report. Despite multiple efforts to address this matter, the charge-off persists, causing significant distress and affecting my creditworthiness. 

I understand that the charge-off in question is associated with the following account : I have made numerous attempts to dispute and rectify this situation, providing documentation and explanations to support the removal of this charge-off from my credit report. However, it is disheartening to note that these efforts have been unsuccessful. 

I urgently request the following actions be taken : 1. Thorough Review and Verification : Conduct a comprehensive review and verification of the charge-off entry in question, considering the documentation and explanations provided during previous disputes.

2. Communication Enhancement : Improve communication channels to keep me regularly informed about the progress made on my dispute and the steps being taken to address the charge-off.

3. Escalation of Dispute Resolution : If the charge-off is found to be inaccurate or incomplete, I request an expedited resolution and the immediate removal of the entry from my credit report. 

4. Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced.

I understand the importance of accurate reporting on credit files and the role it plays in maintaining the integrity of credit reports. However, the persistence of this charge-off is causing undue hardship, and I am seeking a prompt and fair resolution. 

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove this account in my credit file : XXXX XXXX Balance : {$1300.00}.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I have a credit freeze on my Experian account and have been trying to change my PIN due to their recent breach. I have tried calling Experian, and have entered much personal information on the phone, but all I get is a dead end with no option to change my PIN.
Consumer complaint received 2018-10-15
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. (OK)

I have a XXXX XXXX credit card. I have never opted into the over the limit program, never been late, never been over the credit limit. 

On XX/XX/XXXX Chase flagged my credit report as over the limit The following attachments prove I have not gone over the limit. I was able to confirm I never gave Chase permission to allow purchases to put the balance over the limit. 

I spoke to Chase and asked have I ever been over the limit ever? Chase ;  no Then why are you reporting derogatory information on my account. 

Chase then escalated the call and the supervisor told me Chase aggressively reports against consumers even if the information is false. 

Chase has a terrible system in place to hurt consumers credits first before reviewing anything that might hurt consumers credit. There is no oversight and the entire reporting policy is anti-consumer. 

Additionally, we have an account from a previous time that was paid late due to moving houses. The account was paid within grace period but marked late on XX/XX/2014. Chase refused to remove the information from my credit report, even though the history proves we have never been late on this account. 

Again, Chase credit reporting is anti consumer and overly aggressive to the point it is hurting consumers that are actually excellent customers.
Consumer complaint received 2018-04-16
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. (VA)

I have a account a medical bill on my credit report that services was giving to and they have me as responsible for someone that I dont even know .. This account does not belong to me and I dont know who the other person that the services was giving to but I need this removed from my credit report cause this account does not belong to me and I am not held responsible
Consumer complaint received 2022-10-18
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. (NY)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LJ Ross Associates (GA)

On XX/XX/XXXX an associate from L J Ross Associates called me stating I owe a balance of over {$1000.00} that was sent from XXXX XXXX XXXX! I explained to the associate i did not have any debt with either company and she should not call me demanding a payment! The associate disregard my response and continued to tell me I owe this balance and continued to repeat the last four digits of my social security number! The associate also told me I need to pay this balance or a legal action would be taken and disconnected the phone line. I've sent a letter to L J Ross Associate 's on XX/XX/XXXX and have not received a response in regards to my letter! Under section 15 U. S. C 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes debt! I am demanding that all phone calls be terminated and I am paid XXXX per violation of this company!
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$190.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
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: Experian Information Solutions Inc. (NC)

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. 
XXXX XXXX XXXX XXXX Bank # 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 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. (NC)

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. 
XXXX XXXX XXXX XXXX Bank # 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 2022-06-12
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY.
Consumer complaint received 2018-10-15
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. (CA)

" " '' I have disputed this charge off on this XXXX XXXX XXXX   XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2019-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

It's the three of them. XXXX XXXX eliminated one of three negative remarks, they refuse to drop that dept that i don't owe, they even still tried to add it but i told them their not owed a dime. 
The other two negative rematleks are for a total of XXXX dollar 's, the two copays i could not afford. At the hospital and they knew i could not even afford medication. I have proof i should not have to pay anything. But collections want XXXX  of dollar 's that i will fight to my last breath.
Consumer complaint received 2018-10-15
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. (CA)

I have disputed the late payment status reported on the account XXXX XXXX/XXXX  with the Equifax and XXXX..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.
Consumer complaint received 2018-04-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

My second mortgage transferred to Rushmore loan management service after it was being handled by XXXX XXXX XXXX. Rushmore mortgage got the account after XXXX XXXX failed to address the escrow issue with the loan. 
I have had Homeowners insurance since i have owned the house 11 years ago. i have sent to XXXX XXXX proof of having homeowners insurance for the last 6 years. Now Rushmore Loan Management services is trying to do the same thing and collect unverified or paid homeowners insurance on the property that they expect me to pay twice for. These practices have prevented me from making the accurate payment and they still working on collecting bogus money they never paid for. I am attaching the coverage on the house since XX/XX/2012. 
There should not be any late charges to my loan and there should be any owed homeowners insurance that i have to pay. The current company is trying to be me in default again and not even checking their records for accuracy. There is no proof on the service 's end to show i owed or didn't have insurance coverage since the current and previous servicer had handled my mortgage. 
There should be no reason that Rushmore loan management services charging me for escrow and putting in default on my loan because of escrow i had already paid and had coverage on my home.
Consumer complaint received 2018-04-16
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. (IL)

talked with bank on auto loan that was paid off as of XX/XX/2017 but the bank is saying that i still owe on the vehicle, plus showing late payments on credit reports. However i have vehicle title and letter from bank that show that the car is paid in full. I have contacted the bank and all three credit reporting agencies, and have send this proof to the the credit reporting agencies to correct this error. But they are siding with the bank and reuse to remove the negative info. They are still reporting incorrect information and will only listen to the bank while i have sent the info via the credit reporting agency web site or via fax to them. They will not remove it and will not allow me to file another dispute to have them correct this data.
Consumer complaint received 2022-10-18
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. (NC)

My name XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC. (OH)

I was trying to open a bank account couldn't because of identity theft I can't get a bank account, can't get a replacement social security card, can't even get a direct deposit from past jobs so they got ta bend their rules to pay me in cash, can't get new jobs cause you need a copy of social security card on interviews, can't get loans or grants because of all the accounts and loans took out for houses cars boats etc. On my credit files and reports that I haven't even started so what is a person to do when your whole life is being ran fraudently by Government officials Judges, Cops, And Federal Government people Even Child Protective Services out of Ohio is a part of the nationwide scandal, starting fraudulent child support cases on my name social security number and account and I want a vast investigation going on and prosecutions of people all the people who are involved whether they are everyday people government foreign or domestic. I can't even live my life cause all the XXXX XXXX going on, yes im reporting on all of them.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.