davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

I owned a first mortgage with Chase and a HELOC also with Chase. I was contacted by Chase to offer opportunity to re-finance. I met with mortgage person. The mortgage process was complicated and required a lot of work on my part. As example, their mobile app feature MYHOME does not work properly and I was unable to upload documents to the app as requested, so to satisfy this request, I had to log onto a computer for the first time in 10 years to bank via Chase.com which required me to get security pass codes sent to establish identity. Next I was told I would not have to verify income because they could verify it via my direct deposits via Chase checking, then was later told I needed to produce them for pay stubs as well as multiple years of W2s even though I was a 24 year customer. I did all of that. When my closing was scheduled for a Saturday. 1 hour before the closing XXXX called to cancel it and stated that " Chase did not reply to multiple requests to them in order to have the closing on time. They said Chase did not verify my include among other things. Then, it was rescheduled for XXXX the following Wednesday and the night before the called to confirm it was scheduled for XXXX. Then I changed my schedule to accommodate that new time. Then, the morning of my rescheduled closing I got a call confirming it was for XXXX and I said no it was at XXXX. They called XXXX and then I got a call back saying it was not happening at XXXX  because they assigned my closing to another notary. I had to engage to make the closing happen at XXXX  with the second notary but then was concerned that the first notary had all of my personal documents. The closing did happen that day at XXXX. I signed all of the documents and 4-5 days latter received the cash out portion to use to pay down debt. One of the closing documents said that my property taxes were paid current and through XX/XX/2022. Turns out even though that was in my closing package, somehow between Chase and XXXX they both missed that my property taxes were not paid. Currently I have {$5800.00} property taxes due. Chase had not made a good faith effort to resolve this issue and has passed the escalation around to a team internally who said they will follow up with me by XXXX XXXX. Since this issues is time sensitive with property taxes due I want to escalate this to the highest level. My complaint is : poor service, broken tech/tools in MY Home Mobile, missed closings, multiple rescheduled closings, major error in reconciling and balancing the closing of the mortgage which resulted in property taxes not being paid timely, financial impact to me given I thought property taxes were paid and now they are due. Chase offers a {$2500.00} closing guarantee if a closing is missed due to no fault of the customer. But the fine print says NOT for Re-finance. I believe this practice is unfair because regular mortgage customers get prioritized over re-finance customers and these service failures result.
Consumer complaint received 2022-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I took out a loan originally for just over $ XXXX. It ballooned to over XXXX. I have paid in excess of {$7000.00} to this company. My balance is still over $ XXXX. I WILL NOT pay this company {$42000.00} to pay off a {$9000.00} loan. That is unethical, predatory, and extortion. I have repeatedly tried to get a better rate, to change my payment plan, to find some sort of remedy so I am not getting extorted by this company. They only tell me to pay more money each month. That is an unacceptable answer from a financial institution. This company is a fraud. They can offer no remediation. This needs to stop today.
Consumer complaint received 2018-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (AR)

XXXX XXXX loan took out XX/XX/XXXX. I have paid approximately 8000 on a XXXX loan and as of today XX/XX/XXXX my payoff is more than originally borrowed. Yes Ive  been late and deferred some payments however the interest rate and fees are obsurd and its either keep paying or return the vehicle at which point my credit will be worse and Ill have no way to work. Every done I lay goes straight to interest this should be against the law its no different than the check cashing businesses that were shut down in my state
Consumer complaint received 2023-04-10
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these accounts, but the bureaus did not remove them, nor prove validation.

Sec. 602 " I have a right to privacy ''. 

XXXX Account Number : XXXX Please remove it from my credit report. 
13. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine Account XXXX : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

19. The following account is not mine XXXX XXXX FL XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-12-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UMPQUA HOLDINGS CORPORATION (TN)

This company is threatening to call my neighbors and relatives and send agents to my home and my work. I have attached an email that I have received from them. They have called my sister whom do I not live with over 20 times and left dozen messages as well.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hereby submit a renewed complaint to apprise you of the identity theft incident I have fallen victim to. I revisited the FEDERAL TRADE COMMISSION website, accessible at https : //www.ftc.gov, and proceeded to file an identity theft report, as mandated by the FCRA section 605b. It is imperative that Credit Reporting Agencies, as per this section, expeditiously expunge any entries attributed to the identity theft report I submitted. Enclosed herewith are the pertinent documents facilitating the removal of inaccurate information currently reflected on my credit report. The ensuing is a catalog of items erroneously associated with my identity or opened without my explicit authorization, as observed in the credit reports of different agencies : -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to expunge any information identified by the consumer as resulting from alleged identity theft within four business days of receipt.
Consumer complaint received 2018-12-06
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: Opportunity Financial, LLC (VA)

In XX/XX/XXXX I certified mailed a dispute letter to XXXX XXXX to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports, respond to my letter which I can prove they received, and that they did not send any information verifying the debt to me that would prove and hold up the erroneous claim that I owed them to begin with, or have negative accounts with them. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX  hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
Consumer complaint received 2023-06-27
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. (NY)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (GA)

Opened a new account with BB & T on XX/XX/2018 under a {$150.00} incentive and have met the requirements and have not received the incentive. Have message the bank multiple times and the customer service representatives were unable to provide more information. I have attached the documentation where I have met the requirements.
Consumer complaint received 2019-09-09
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. (FL)

Equifax Errors for Not Cross Checking the Dates to Resolve Incorrect Data. 


Equifax Failed to Correct Their Misreporting to My Credit File as the Dates of Last Payments Conflicts with Dates of Major Delinquency. 

Issue One 1 ) the Account under XXXX XXXX XXXX XXXX Account XXXX, Reported Date of Last Payment to Be XX/XX/XXXX and the Balance Is XXXX. Thus the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Thus Is Incorrect. 

The Delinquency That Was Reported on XX/XX/XXXX Is Correct as the Account Was Charged off on XX/XX/XXXX and Paid on XX/XX/XXXX Whereas, the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Is Incorrect and False and Misleading as the Last and Final Payment Was Made on XX/XX/XXXX. In Addition File Is Rated NR. 

Issue Two 2 ) the Account under XXXX XXXX XXXX XXXX Account XXXX, Reported Date of Last Payment to Be XX/XX/XXXX and the Balance Is XXXX. Thus the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Thus Is Incorrect. 

The Delinquency That Was Reported on XX/XX/XXXX Is Correct as the Account Was Charged off on XX/XX/XXXX and Paid on XX/XX/XXXX Whereas, the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Is Incorrect and False and Misleading as the Last and Final Payment Was Made on XX/XX/XXXX. In Addition File Is Rated NR.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I contacted PENFED credit union by sending them a cease and desist letter, I currently am only receiving SSI and can not afford to pay them back. I am being Harassed by this company as they call me everyday twice a day. This is causing me a lot of stress and anxiety. I can not pay them back and my case work informed me that my income is also garnish proof. I am reseeding a cease and desist letter today.
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have contacted a person for apartment, she is asked me to send the deposit then I have her deposit in three transactions through XXXX Transfer, later she is answering my calls nor replying. She blocked my number. The person holds Bank of America account. XXXX transfer is happened through BOFA To BOFA
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

It all Started when I was granted a modification in the summer of XX/XX/XXXX with XXXX XXXX. 
I made all 3 trial payments to XXXX XXXX but lost the modification because they did not receive the paper work on time. 
I called XXXX XXXX to beg for my modification to be honored but I was denied and told to re-apply. I re-applied in XX/XX/XXXX I was timely with the documents that were requested from me. Oddly though, The documents would sit with XXXX XXXX until they were expired and I had to re-send the documents over an over again until I submitted a complaint with my single point of contact 's manager in XXXX. They apologized and promised that everything they had was enough to be reviewed. A month later I receive a letter stating that my loan was sold to SLS effective XX/XX/XXXX. I called XXXX XXXX and asked what was going to happen to my application on file, I was told that decision for approval was pending and when I was approved for a modification, I would have to send my payments to SLS. 
When XX/XX/XXXX arrived I called XXXX XXXX. they said they had no record of a decision and to contact SLS. 
I contacted SLS, I was told that a packet was sent out to me to fill out for a loan modification review. I sent the application back as soon as I got it, XX/XX/XXXX. 
On XX/XX/XXXX, I was denied. I was told the reason for denial was because my investor, XXXX XXXX, did not approve granting me a modification. How is it that when my servicer changes, all of a sudden XXXX XXXX has a change of heart? I have the same investor just different servicer. I believe my loan was sold for the banks personal financial gain. XXXX XXXX prolonged my review just to have enough time to wash their hands of my loan. Now, I am in foreclosure without a home retention option, all because of the race of time. I never received court documents or proof of foreclosure. 
I am a senior citizen, where do they expect me to live?!
Consumer complaint received 2022-02-02
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)

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such.
Consumer complaint received 2022-05-04
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. (TX)

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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX acct # XXXX {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX acct # {$2700.00} ( Original Creditor : XXXX XXXX ) or XXXX  XXXX XXXX acct # XXXX {$800.00} XXXX XXXX XXXX ACCT # XXXX {$330.00}
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (CT)

Complaint against : ( 1 ) XXXX XXXX XXXX that handles my XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX,  OH XXXX, Phone : XXXX  and ( 2 ) XXXX XXXX , XXXX. ( third party biller for XXXX XXXX XXXX  ), XXXX XXXX XXXX , XXXX,  FL XXXX, phone : ( XXXX  ) XXXX Here is a chronological order of events that have taken place so far, ( a ) A balance transfer of {$8700.00} was requested by me in XX/XX/XXXX from my XXXX   credit card to my XXXX XXXX XXXX credit card. Subsequently, a cashiers check for {$8700.00} was issued by XXXX XXXX XXXX  's third party biller service XXXX XXXX  and sent to XXXX XXXX XXXX credit card.

( b ) The check was deposited in my XXXX XXXX XXXX  credit card on XX/XX/XXXX ( c ) On XX/XX/XXXX, XXXX XXXX XXXX  card decided to reverse this transaction. So, XXXX XXXX XXXX mailed a cashiers check for {$8500.00} back to XXXX XXXX. XXXX XXXX XXXX cashiers Check Number XXXX, dated XX/XX/XXXX ( d ) XXXX XXXX XXXX   received this check on XX/XX/XXXX and deposited in their XXXX XXXX XXXX, Bank # XXXX, and sequence XXXX. 
( e ) However, his amount of {$8500.00} was never credited back to my XXXX XXXX XXXX  by XXXX XXXX XXXX.

( f ) In the last 16 months, I have written 6-7 times ( certified mails ) to XXXX XXXX XXXX about this issue. They have always replied that " they never received any check for {$8500.00} ''.

( g ) I spoke with XXXX XXXX  in XXXX XXXX  on XXXX. Upon checking her records, she indicated that {$8500.00} was in fact transferred to XXXX XXXX XXXX through ACH. She indicated having proof of XXXX XXXX XXXX  ACH debiting XXXX XXXX for the amount of {$8500.00}.

After 16 months of getting a run-around by all involved parties in this issue, I am completely frustrated and filing this complaint. I am requesting that this amount of {$8500.00} be credited to my XXXX XXXX XXXX ASAP. I am also asking that I be credited the balance transfer fee of {$87.00} as well.
Consumer complaint received 2018-12-06
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. (GA)

I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, equifax, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.
Consumer complaint received 2018-12-06
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. (GA)

I am a victim of the data breach in XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.
Consumer complaint received 2023-04-05
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. (NY)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.