davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2022 my debit card was used to withdraw {$900.00} in XXXX Nevada. I live in XXXX. I didnt give authorization on the stolen debit card to be used by anyone. Capital One denied my dispute to return the funds to my account even though it happened fraudulently
Consumer complaint received 2022-05-13
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I am elderly retired person. My loan was modified as per loan modification agreement dated XXXX XXXX, Principal balance amount {$960000.00} interest only was supposed to be capital & interest payment ( capital reducing ) from XXXX XXXX. Loan modification agreement was not complied by the lender from XXXX. 
Out standing mortgaged XXXX {$960000.00} started going up increasing every month regularly instead of coming down. I made several complaints verbal & written to the lenders, they acknowledged but no action was taken over long period of time. I want situation to corrected as per agreement & I should be compensated.
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (IL)

I have no idea what this company is, I have asked them to send whatever it is through the mail and was met with a very rude and disrespectful answer. I have asked them to stop contacting me, and they just use a different phone number. This has been going on for 6 months to a year now.
Consumer complaint received 2020-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I attempted to transfer {$10000.00} from my Chase checking account to my account at XXXX. The transfer was initiated from my XXXX account via my online account, and {$10000.00} amount debited from my Chase account on XXXX, but no amount was ever credited to the XXXX account. XXXX first claimed to have rejected the transfer, and most recently, is claiming that they never received the credit from XXXX, the third party bank intermediary for the transfer. Over multiple days and hours, I have been bounced back and forth between the various ACH and Claims departments at each of the banks, each bank telling me that they can not do anything in this situation and that it is the other banks responsibility to file a claim with XXXX because they do not hold the chargeback and/or recovery rights. It is now XX/XX/XXXX, and I am still without access to the {$10000.00} or any resolution in sight.
Consumer complaint received 2022-10-19
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: Mr. Cooper Group Inc. (MN)

My mortgage loan was transferred from XXXX XXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX while on a forbearance plan due to hardships associated with COVID. Immediately upon receiving my loan, XXXXXXXX XXXX and XXXX XXXX XXXX ( XXXX  ) reported me 120+ days late. They did this for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon complaining, XXXX XXXX corrected their error. But, XXXX did not. I reached out to them and they said they had never done that and they send me a letter in XX/XX/XXXX confirming that. XXXX loans were then transferred to MrCooper, and as of today, I have tried to fix this issue but they cant resolve it because they say that XXXX must correct it not them. I have filed reports with the bureaus, I have escalated through MrCooper, and they wont help either. This has created tremendous hardship because I cant refinance due to my credit being impacted by these 3 x 120+ Lates. Help!!!! Please. Someone needs to hold XXXXXXXX XXXX XXXX  and Mr Cooper accountable to report credit accurately. Please help.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-19
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. (SC)

On or about XX/XX/XXXX I was advised that a collection which had been placed on my Experian credit report by XXXX XXXX XXXX would not be removed. That said, please be advised that the same alleged debt has been reported to your agency on each of the following occasions : Complaint numbers XXXX on XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) which was sent to the FTC on XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) Which was sent to the FTC on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) which was sent to the FTC on XX/XX/XXXX. This collection activity in reference to XXXX XXXX XXXX XXXX XXXX XXXX has been deleted from my report on numerious occasions in the past by all three reporting agencies. XXXX  immediately removed this collection from their file upon being notified. Experian adamantly refuses to remove this item eventhough they've removed it withinin the past year.This item has previously been removed from my file as the afrementioned complaint numbers do substantiate. Therefore, I request your asistance regarding this matter. 

Respectfully submitted, XXXX XXXX
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, I finalized my mortgage with Bank of America and upon making my first payment, they required a BofA checking account to make payments. I used the account only for payments to my mortgage account throughout the life of the mortgage. On XXXX I refinanced my mortgage with another bank. BofA closed my mortgage account as expected. I received no notices in my mail or email regarding the checking account ( that I believed to be closed. ) On XXXX I was charged a {$25.00} dollar " Advantage Monthly Maintenance Fee ''. True to the charge description, I felt taken advantage of. I called in on XXXX and spent 36 minutes on hold before the call dropped ( from a landline so it was an issue on BofA 's side ). Life got the best of me and this issue dropped off my radar. On XXXX I was once again charged another {$25.00} " Advantage Monthly Maintenance Fee ''. I called in again on XXXX and spent another 38 minutes on hold before I had to leave to pick my son up from school. Finally on XXXX after spending another 22 minutes on hold, I was able to speak with a representative that refused to reverse the fees and explained that there was no way for them to be removed from the account. They also said they could not close the account until the balance was paid. I repeatedly requested the account to be closed and they finally relented and did so. But I fear they may be sending me to collections over these absolutely ridiculous charges.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CT)

I was given a {$25.00} gift card for my birthday and made a purchase through XXXX  to get food. There was hair in my food so I contacted XXXX  and they issued me a refund of {$16.00}. vanilla gift card is telling me I have to wait 3 weeks before I can get my refund but when I originally called them they told me I would see my refund within 72 hours now I'm being told I have to wait 3 weeks.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I received a call from the Chase Bank customer service number. The " representative '' informed me there was suspicious activity on my account and instructed me what to do to reverse it. Turns out I was tricked into sending {$2000.00} through the XXXX app which I had no idea was a separate entity from Chase bank even though it's on all their platforms. Chase has done zero to help and has treated me more like a criminal than a victim. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX Chase customer. This is a lot of money for me and has made an already hard living situation much, much more difficult. I'm disgusted by how I've been treated by this bank but at the same time changing banks right now would turn my life even more upside down. Included is the call record from the Chase number that called me.
Consumer complaint received 2019-09-19
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. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion continues to report 2 accounts on my consumer report that have already been removed from the other two major consumer reporting agencies. The accounts are both under the company name XXXX. These accounts were removed from XXXX as of my XX/XX/22 report, and removed from XXXX as of my XX/XX/22 report. Pursuant to Title 15 USC 1682e ( b ), consumer reporting agencies should follow reasonable procedures to ensure that the information that is being reported is accurate. Continuing to report accounts that have been removed from other consumer reporting agencies is a violation.
Consumer complaint received 2022-05-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This inquiry was unauthorized and should be removed ASAP ( XXXX XXXX ( Finance ) XX/XX/2021 ) The company has not responded to me and it has been over 30 Days
Consumer complaint received 2020-12-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (ME)

if you want to work with a shady mortgage broker, quicken loans/rocket mortgage is your one stop shop. I applied for a refinance on my house. The initial quote looked acceptable and pretty standard. The trouble starts when they needed the details. They couldn't figure out how to start a new insurance policy on the house at closing, i supplied every document they requested and they still never figured it out. The appraisal was peculiar too, the lender repeatedly on the phone stated the value of the house to be XXXX before ever seeing the house. The appraiser after coming out to the house ( great location and lot ) and seeing it in person, stated the value was exactly XXXX, the comparisons were rather old and the leveling of the values was confusing, not sure it was an accurate appraisal. After the appraisal the quicken loans adjusted the contract, they lowered the financed amount by XXXX and then raised the origination fees by XXXX. The appraisal fee went up {$800.00} after the appraisal. 
I called in and asked to speak to someone in charge and all the quicken reps said there is no one in charge. I could speak to all of these different department people. But I had no idea if they were in on the scam or not. Someone named XXXX called me back and said the loan had been changed from a primary residence loan to an income property loan, which was the first time i heard they had changed the product I had applied for. I had enough of their lies and misinformation. I asked XXXX what i had to do to stop wasting anymore of my time with their unprofessional company. He said i didnt need to do anything to stop the process. I have stopped working with the devious misleading company as of XX/XX/2020
Consumer complaint received 2022-11-18
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC (PA)

I received a call supposedly from XXXX XXXX ( and it came up on my phone as that ) They got my checking account #, some how went through Zelle and took {$500.00} dollars out of my checking account. 
My bank said that they tried to recover the funds from Zelle and were unable to. 
So now I am out {$500.00} and my bank doesn't do lending and I don't know why when CLEARLY IT WAS FRAUD that even Zelle can't refund me the money. Its alot of money plus the holiday but I just need to pay my bills and not bounce my checks. XXXX dollars is one thing but XXXX is ridiculous. If there is any way in helping me get my money back I would appreciate it. If you need any other info let me know. Or if you can't help who am I suppose to be contacting.
Consumer complaint received 2022-05-13
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. (VA)

In 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-21
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

Rushmore LMS is my mortgage company. They are showing that I am 30days late on my report and i sent the payment in on time. However due to the pandemic covid-19, the mail system is not working properly. I have the proof of my check being sent to the company. The account number is XXXX.
Consumer complaint received 2015-04-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (DC)

I do n't understand why banks are allowed to charge such high ATM fees, and do it on both sides. I am paying up to XXXX dollars on a transaction. This is unregulated robbery and you need to put a stop to it.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-01-31
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Live Well Financial, Inc. (NJ)

We have a reverse mortgage on our home with Live Well reverse mortgage company with only my wifes name. Weve been married over 49 years. My wife past away XX/XX/XXXX. I am the non borrower spouse. I contacted the mortgage company and they sent me the needed paperwork. I immediately sent them everything by fax. They continue to tell me they didnt Receive the paperwork or only received a partial. I resent them the missing paperwork several times. I even emailed it to them and have confirmation. 
I contacted them on XX/XX/XXXX for status. 
They informed me that I missed the deadline of XX/XX/XXXX, when in fact I had sent them all the documents. 
They gave me options. 1. Sell the property. 2. Let foreclose or give them the deed. The appraised value is {$420000.00} and the balanced owed is {$60000.00}. 
Why would I let it foreclose. 
I feel that the dropped the ball and I should not be penalized. 

Ive lived at the property with my wife for over 22 years. 
They wont listen to me. I have all the paperwork they requested. I need someone to step in. 
Thank you
Consumer complaint received 2021-11-09
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. (FL)

I open several disputes with Experian in order for them to delete accounts that do not belong to me. 

I sent them all the supporting documentation proving that the accounts are not under my name and still they are reporting it. They finish their investigation and said that the information is accurate.
Consumer complaint received 2022-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Account # XXXX XXXX  XXXX XXXX This account is not mine i have reached out the company and they have not responded to me it's been over 30 days and i want this removed from my credit report ASAP
Consumer complaint received 2020-12-21
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. (CA)

I sent another dispute to the bureau regarding unvalidated, inaccurate accounts ( XXXX XXXX CARD SERVICES XXXX and XXXX/XXXX XXXX ) on my report that has many inconsistencies. I also demanded that they validate the accounts but they didn't do it. I haven't received any documents that shows that the creditors validated the accounts to me. According to 15 U.S. Code 1681i the bureau must do a reinvestigation of the disputed item within 30 days and if the item is inaccurate they must delete! I can not keep dealing with this issue as it keeps causing me a lot of stress and wasted time. I have attached my Driver 's License, Social Security Card, the info that shows the inaccurate accounts and all the discrepencies. I will be forced to file with the FTC if these inaccurate accounts don't get deleted from my credit report.
Consumer complaint received 2019-04-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Terrill Outsourcing Group (VA)

Debt collector, XXXX XXXX, contacted a phone number where I have not lived for 10 years and left a detailed message regarding debt owed on parent 's number. Against FDCPA regulation.