davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (FL)

After being approved, paid and sending a representative to phot the house last evening I received this false report which severely impacts my ability to secure insurance. The agent did not reveal the source other than some unknown XXXX. THE INFORMATION provided XXXX was grossly wrong. See attached letter. They have not refunded my money. Also CFPB SOFTWARE STILL DOES NOT WORK ... CONCERNING SS ENTRY ... ONLY YEARS STILL NOT WORKING
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2024. I went over to my scheduled meeting to open an checking account during the promotion period with a JP Morgan & Chase Co. banking employee at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I was asked for proof of identity, address and citizenship, I presented my NY state issued Driver License and Social Security card along with my utility ( gas ) bill, banker lady accepted these documents and asked me for my citizenship, I was told twice only way to proof this is to present an US Passport, Permanent Residency, or valid Employment Authorization Document Card. I did show my EAD card along with my Alien Number stated on it and unfortunately the banker lady couldnt approved it due to the expiration date has past, then I informed her about the Federal Register Rule for Temporary Increase of the Automatic Extension Period of Employment Authorization and Documentation for Certain Renewal Applicants, DEPARTMENT OF HOMELAND SECURITY 8 CFR Part 274a [ CIS No. 271422 ; DHS Docket No. USCIS 20220002 ], I have presented the Government website which this matter is issued to the banker lady but she was unable to accept this Federal Rule after confirming the rule with her manager and then told me that I would get a call from the complaint department of their bank and I did. Unfortunately, JP Morgan and Chase Co. was unable to open a checking account for me because of their policy. I honestly could not understand how a public bank can ignore the Federal Rule to recognize me and I request from your Bureau to help me solve this problem by the law.
Consumer complaint received 2022-01-25
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with signing the paperwork
Company: Navient Solutions, LLC. (NJ)

Iam the consignor on my sons private student loan. He has applied and received forbearance on a couple of occasions this past year. I was never informed, or requested my approval ( since Iam on the hook ) for accepting the forbearance. I only receive an e mail approving the loan. This will cause an additional increase due to the loan is still accruing interest. Is the lender allowed to approve this without my consent also? thank you
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2017 filed Chapter XXXX. XXXX  XXXX XXXX XXXX for my automobile was reaffirmed. It has been deleted on all 3 repositories as XXXX XXXX reports it " sometimes ''. It has been paid as agreed for 49 or 50 months and is necessary to bring my credit score up to the 700 's. I have included a current payment request with balance due.XX/XX/2017 filed Chapter XXXX. XXXX shows on XXXX as Discharged in BK. I have been paying this for around 12 or so years as agreed. I am still paying it. I have included a copy of my online statement with some pay history. Again- another account misrepresented.
Consumer complaint received 2022-11-23
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. (IL)

Hello my name is XXXX XXXX Im writing you guys because I have news This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX - Date XX/XX/2022 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

On XX/XX/2021 I received a call from Penny Mac Loan Services in Arizona. With a lot of pressure from the salesman, XXXX XXXX, I agreed to apply with the condition that the application could be cancelled at any time. He told me the loan would be at 3.1 % interest rate. He told me that I needed to give them {$650.00} for an appraisal with a credit card over the phone. I did over the phone. He also had me apply by way of computer. When on the phone I did check the Nationwide Multistate Licensing System/Nationwide Mortgage Licensing System and Registry. He was listed. After a couple of hours and checking some reviews I became alarmed and decided to E Mail my cancellation and withdrawal of my application. They refuse to cancel my application and refund my {$650.00}. I contacted the appraiser they had hired and cancelled the appraisal. The appraiser assured me that they had not and would not charge any thing as I had cancelled their visit. XXXX XXXX, XXXX XXXX 's supervisor at Penny Mac said they would credit my card {$650.00} by end of business XX/XX/XXXX, he has not. I want {$650.00} credited to my credit card immediately.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

loanadministration, or XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX illegally and incorrectly reported my MORTGAGE as " 30 DAY past due date! 

I paid off the whole mortgage in XX/XX/2020. I was never late in the years while holding the mortgage. After I paid off in XXXX, then suddenly it was reported as delinquent. 

1. If it is " 30 DAY past due date '', they shall send letter to notice that. They never did.

2. The loan was in COVID forbearance for few months. It was current all the time.

3. When i requested to pay off and I paid in XXXX. It was marked as delinquent. 

I called the company and try to resolve the issue. They are very rule. And they refuse to let me talk to a manager. They keep bullying customers and ask me myself to take care of the issue. It is this loan company did this illegal report and fraud to ruin people 's credit. Until I found out myself when checking my credit, I would never even know it.
Consumer complaint received 2019-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CT)

HI.They again increased a mortgage monthly payment.I had an increase in XX/XX/XXXX.Now second time.My first mortgage payment was $ XXXX.Now they want $ XXXX.This is {$180.00} more from the begins.This 13 months period when my mortgage increased by $ XXXX.My increased mortgage in XX/XX/XXXX had included new taxes.Now there was not change in taxes and not changes in mortgage insurance but they have increased escrow by $ XXXX.I beg please help me.I trace financial liquidity.PLEASE HELP ME BECAUSE THEY ARE CHEATING ON ME. 
They did not answer to me previous complaints.Now 15 days pass. 
XXXX XXXX
Consumer complaint received 2018-05-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (DC)

Home Point incorrectly put lender-placed insurance on my account, causing my monthly payment to skyrocket. I emailed Home Point proof of insurance on XX/XX/XXXX, and on XX/XX/XXXX, a Home Point Insurance Processing Associate ( XXXX XXXX ) emailed me the following email : " Thank you for contacting Home Point Financial, also thank you for providing the insurance information. The account has been updated and the documentation has been saved in our system. The Lender Placed will cancel, you will received a letter and the funds that were charged against you will be refunded. '' However, Home Point has not refunded me the charges, and in fact, is still charging me for the lender-placed insurance. 

I have literally spent hours on the phone with Home Point trying to resolve the issue. During one call a few months ago, a Home Point representative assured me that I would receive the full refund in XX/XX/XXXX, after they do an escrow analysis which was scheduled for that month, and that my mortgage statement would reflect the proper amount at that time. I have not yet received my refund and my statement still reflects the incorrect amount with the lender-placed insurance on it. 

Yesterday, a representative at Home Point told me that I will continue to be charged the lender-placed insurance until XX/XX/XXXX. The representative also told me that I should have received an escrow refund check in the amount of {$800.00} in XX/XX/XXXX, but I have not received any check from Home Point, and the amount that Home Point owes me is closer to ( if not more than ) {$2000.00}. The representative then told me I would have to wait until next XX/XX/XXXX to receive the remaining amount, because they only run the escrow analysis once a year. 

I'm at my wits end. I've called dozens of times and have been incorrectly charged thousands of dollars for lender-placed insurance. I don't know what else to do. Please help. Please.
Consumer complaint received 2022-12-01
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 sent out my first dispute on XXXX on a XXXX XXXX XXXX. I sent the letter certified mail and I also sent a follow up letter on XXXX about this same account and the error was not updated or deleted. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This account it not.. I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. 

Here is the letter I sent : I sent this letter to all 3 credit bureaus. I also sent this same letter again on XXXX and as of today XXXX the account has not been updated or deleted. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, Experian reports date XXXX and XXXX reports date XXXX. Please Delete this inaccurate information off my credit report. 


I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (WA)

On XX/XX/2023, a fraud charge was made on my Apple Card account for the amount of {$2800.00} at a XXXX merchant store. I never made this transaction. 

On XX/XX/2023, I've lost my phone and wallet while traveling. Notified my banks/card accounts. And, I locked my iphone icloud account as well. 

Apple Goldman Sachs is not willing to provide me evidence to the dispute charge. The charge is fraudulent. Apple/Goldman Sachs is unwilling to reverse the fraudulent charge that was made on my account on XXXXXXXX XXXX XXXX I never made this purchase. 

Please help.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MI)

I ordered a laptop expected to deliver XX/XX/XXXX. I did not to this day receive the laptop. The merchant is non responsive and Apple is closing the dispute. I now have neither the laptop nor the funds. Apple is not protecting me if I knew this I would never use my Apple Card
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (OH)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXL XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry, XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX
Consumer complaint received 2022-01-25
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. (NC)

I am XXXX XXXX, I have been reporting that there are accounts on my credit report that were not mine. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family.
Consumer complaint received 2016-07-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Professional Finance Company, Inc. (OK)

I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.
Consumer complaint received 2023-04-04
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. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (OH)

I am writing to you to complain about First Federal Credit ControlXXXX XXXX XXXX XXXX, XXXX, FL XXXX. I have found adverse account information listed on my credit reports. I have no known or verified accounts with this business and after repeated verification request FFCC has not responded to my certified letters and continue to report to XXXX, XXXX, XXXX, and XXXX ( all major credit reporting agencies ) in violation of federal law. This company unlawfully reported to the credit bureaus as resent as XX/XX/2019. First Federal Credit Control has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to all the three major credit bureaus. The erroneous accounts are in the amount of {$430.00}, {$86.00} and {$85.00}. The accounts are erroneous, inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact First Federal Credit Control multiple times via registered USPS certified mail with return receipts which prove FFCC has  blatantly ignored my attempts resolve this issue and they have not responded to my requests. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
Consumer complaint received 2019-07-29
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. (NY)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I OPENED A XXXX  ACCOUNT WITH CHASE AND RECEIVED THE CARD. I MADE THE PURCHASES ON IT TO GET THE MILES. I HAD XXXX MILES IN MY XXXX  ACCOUNT AND CHASE NEVER TRANSFERRED THE MILES INTO MY ACCOUNT THIS WAS WOULD HAVE ALSO EXTENDED THE EXPIRATION DATE. 

I ALSO CALLED IN TO XXXX TO DONATE THE MILES IN ORDER TO EXTEND THE EXPIRATION DATE. 

I CALLED CHASE THEY SAID THEY DO NOT EVEN HAVE THE CREDIT CARD ON FILE OR REPORTED TO THE CREDIT BUREAU.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I, XXXX XXXX had applied for an XXXX crdit card. Happened that after a few months paying My account on time, I discovered that this financial institucin, Synchrony Bank enrolled me IN a " Credit Card Insurance Fee '' which I did not Requested or authorized. I contacted the bank and they told me the can't do anything. It is SCAM. I request You intervention to fix this annoying and unpleasant situation and this bank and or Insurance company make me a full REFUND of all the ilegal charges done on My account. Thanks XXXX XXXX XXXX Ph. XXXX Last XXXX S.S- XXXX
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act XXXX  Account # 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. states a Consumer reporting agency can not furnish a account without my written instruction.

BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires I will list them here also. 

Account 1 OPENED XXXX XXXX # XXXX Balance {$560.00} XXXX # XXXX Balance {$14000.00} XXXX XXXX XXXX # XXXX Balance {$1000.00} XXXX XXXX # XXXX Balance {$140.00}
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.