davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
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: JPMORGAN CHASE & CO. (TN)

i have an inquiry on my credit report from chase bank. its two inquiries it looks like for the same item. i received a advertisement for a pre approval for business credit from chase bank and it ran my personal credit twice with a hard inquiry. 

i never authorized this hard inquiry and did not want one. 

they fooled me by sending me business credit information this advertisement for soft credit pull came from jpmcb division
Consumer complaint received 2018-07-16
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. (OR)

I have a credit fraud alert on my 3 credit bureaus. Even with the fraud alert the 3 credit reporting agencies continue to allow my credit to be pulled with out my permission. Credit inquiries count against my credit scores. 95 % of the 50 plus credit pulls are not because i have requested my credit to be pulled.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Someone from XXXX, TX has withdrawn cash from my personal checking, savings and business checking accounts at four different Chase branch offices in just little over an hour without my authorization on XXXXXXXX XXXX. By the way I live in New Jersey state. Next day, I made multiple calls to report to Chase and visited the local branch office as well to take action against identity stolen. 
Because I was not advised to file the declaration form signed right away from the Chase branch in my town, I ended faxing the forms in the following week on XXXX. In the following week, only one credit was issued out of four and I was explained form the claim check department of the Chase they only had one declaration form in the system. Then, I had to email them the other three declaration forms again on the XXXX and again on the XXXX. They were missing one or two forms every time. I finally had another two credits in the following week. Yet, the last credit was not received until last week. 
While I was waiting for the last credit, Chase bank took {$5000.00} away from the business account on XXXX and I was explained that they dont have the declaration form for that in their system. Now I have again two credits unresolved. 
I was explained from many different Chase personnels that it should take 24 to 48 hours to get into the system once the declaration forms are received and it would take another three to five business to process it and issue a credit back into my account. 
Now it has been almost a month since I lost tens of thousands of dollars. I have not been able to make payments on some of the credit cards and especially I have negative balance in the business account. 
I have provided the four declaration forms four times and every email at the local Chase branch office was confirmed as received excluding the first fax. They keep missing one or two declaration forms still and the process is being delayed. I still have to get {$14000.00} from Chase. Apparently, someone at the claim check department of Chase bank is being negligent and very irresponsible. 
So, here I am filing a complaint. I hope your department help me and expedite the credit process. 
Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-20
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: NAVY FEDERAL CREDIT UNION (SC)

NAVY FEDERAL CREDIT UNION is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.
Consumer complaint received 2022-03-20
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. (SC)

XXXX XXXX XXXX is reporting an Inaccuracy on my Consumer Report. 
XX/XX/2020 contains an inaccurate late reported payment that is significantly damaging my Consumer Report and financial reputation not only within the Credit Union but overall. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

( XXXX ) subject to XXXX XXXX XXXX XXXX XXXXXXXX of this title, any ( XXXX  ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You and your inaccurate reporting has damaged my livelihood.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These inquiries which are reporting on my credit reports are not mine. I have informed the credit bureaus on 3 occasions and they failed or refused to investigate. Here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX KXXXX XXXX XXXX
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (IA)

I received a letter notifying me that H & R Account was attempting to collect an alleged debt on XX/XX/XXXX. I did not recognize the amount or the date of service so I sent a certified mailing requesting verification on XX/XX/XXXX. See attachment.
I never received any verification back. H & R Account is violating FDCPA by not providing verification of debts. The company has resumed collection activity and has reported the debt to by XXXX credit report as a negative open collection without providing verification.
Consumer complaint received 2017-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I p
ay with Auto Payment. When I make an addit ional payment to Loan A, I state to " Not pay ahead the account '', either with a separate piece of paper or using the company 's online option. This is what Navient has told me to do several times. Almost EVERY TIME, Navient " pays ahead '' Loan A s uch that : -I get an email saying my payment will be lower this month -The Auto Pay amount ends up being the same ( it is not, in fact, lower ). - The amount of the payment that is allocated to Loan A is reduced from {$100.00} to {$25.00} ( this is regardless of how much the extra payment was - typically around {$500.00} ) This is documented in the attached file as happening on X/XX/17, X/XX/17, XX/XX/17. Each time there is a misallocation, I contact Navient and typically receive a correction with 1-2 calls. Additionally, the amount allocated to each loan occasionally varies, for no reason that I know of, and with no explanation, as on XXXX/XXXX17 and X/XX/17. ( I have been making extra payments on Loan A starting this year - I made extra payments on Loan B ( XXXX Direct Plus XXXX ) for the last 2 years with the same problems )
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

About a year ago, I called XXXX XXXX XXXX ( my mortgage holder ) because I saw an ad on TV about a government program that could reduce your mortgage payment. All I did was inquire about the program and my mortgage began to unravel like a spool of thread. Long story short they sold my mortgage to a company called Penny Mac. After reading the information of the program I discovered that it is a program for people that are upside-down in their mortgages of which I have NEVER been. After I declined the paper work my payments began to be posted later and later until I receive a notice that I was 2 payments late and Penny Mac was threatening to foreclose on my mortgage. I sent my last payment on XXXX/XXXX/2016 through the US mail. The check XXXX XXXX. It was for {$1500.00}. This was my payment of {$1400.00} plus the late fee of XXXX. This payment has never been posted. The postal worker is my friend and she placed the stamp on the payment and marked the envelope posted so I would have a witness that I sent the payment. The payment on XXXX/XXXX/2016 was made over the phone ( so I had it recorded ) and was not posted to my mortgage either. It was deleted from my bank account on XXXX/XXXX/16. I called Penny Mac and they told me that, " They have my money ... in a " holding account. '' A asked, " Why is my money sitting in a " holding account '' and not applied to my mortgage?!!! I have NEVER signed anything saying I want or need a modification to my mortgage. I am certain there is something very wrong going on. '' The agent told me that by just inquiring about the modification program that gave them the leverage to modify my mortgage. I have worked for XXXX XXXX in my past and have NEVER heard of this! I believe that to modify a mortgage you do need the owners signature. My daughter is a CPA and she informed me to contact you. They have harmed our credit and are trying to do something unethical. I appreciate all the help you can give me.
Consumer complaint received 2022-08-30
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: CLGF Holdco 1, LLC (MS)

XXXX XX/XX/ 2022 at XXXX XXXX 1 Messenger GFPB WRITE UP all a 0 In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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 2022-03-20
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. (SC)

XXXX XXXX XXXX is reporting an Inaccuracy on my Consumer Report. 
XX/XX/2020 contains an inaccurate late reported payment that is significantly damaging my Consumer Report and financial reputation not only within the Credit Union but overall. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

( XXXX ) subject to section XXXX XXXX XXXX XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You and your inaccurate reporting has damaged my livelihood.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Equifax is publishing inaccurate information on my consumer report they are reporting that my balance on my freedom loan is at {$9000.00} when the balance is {$8600.00} XXXX and XXXX  has the correct balance reporting but the balance that Equifax is reporting is inaccurate and is stopping me from obtaining additional credit because it looks as if I am over the original balance that was given to me when am not. I will send screenshots from XXXX and XXXX  and also show proof that Equifax is reporting an inaccurate balance I would like this to be updated immediately to the correct balance thank you.
Consumer complaint received 2017-08-16
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. (AL)

I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus Equifax and XXXX. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call Equifax and XXXX they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, XXXX, Equifax, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.
Consumer complaint received 2017-08-16
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. (AL)

I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus XXXX and Transunion. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call XXXX and Transunion they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, Transunion, XXXX, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

Bank of the West on XX/XX/XXXX for XXXX $ Deposited brought available XXXX $ from a XXXX balance. This showed available online. Later the funds were manipulated somehow after I conducted businesses with the available funds of XXXX XXXX Later that evening the funds reversed without any activity and a letter was sent about the error the following day addressing that there was a bank error to no fault of my own. I proceeded as it directed and was refused at the XXXX wells branch by a bank manager who claims she knew what that letter was and didnt want to see it and told me to leave that my account was going to be closed. 

Secondly in that same month XXXX XXXX came into the account by mobile deposit and XXXX $ came available which I made payment to my auto insurance XXXX XXXX with confirmation number available upon request. The payment was recinded and my account was closed later receiving a statement with no history of the payment. I phoned about it with XXXX XXXX and they could not provide any information.
Consumer complaint received 2020-06-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Transfinancial Companies, Inc (LA)

XX/XX/2020 Transfinancial XXXX This company continues to call, allow the telephone to ring twice and then disconnects. I'm not sure if it is a robo call or live representative. This is harrassing and it is really not an attempt to collect a debt. How if they are only allowing rings. By the time someone reaches the phone, they have disconnected.
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

More than a year ago, my home ( which was an investment property was seized by the Board of Directors in a Lawsuit and Fraud was in question when the Board and the Management Company imposed a XXXX assessment on a 30 unit condo building in which I owned and rented one of the units. I currently have a lawsuit for malpractice against the attorney who handled my case. 
I have no idea who is living in my condo, and it appears that the Board and the Management Company has extended their stay. 
I contacted Bank of America 's Loss Mitigation department, and the Bank refuses to initiate any type of investigation. 
The Bank is neglecting to foreclose so I can get my home off my credit report, and is charging me monthly thousands of dollars to pay a mortgage when I wanted a Mitigation Loss investigator, and my home has been in foreclosure for more than a year. I have made this request several times and the bank refuses to investigate.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America colluded with XXXX XXXX to artificially inflate my homeowners insurance policy well beyond the cost of the policy. XXXX XXXX engaged in kickbacks to Bank of America XXXX XXXX XXXX XXXX as well as " profit sharing '' payments, and other costs unrelated to the procurement of new coverage. Your assistance would be greatly appreciated.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid 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: DISCOVER BANK (CA)

I submitted case # XXXX to the CFPB regarding illegal actions Discover Card has engaged in regarding a dispute on my account. The response from Discover Card was false and fraudulent and did not address the full complaint. I have now requested the information for the Agent For Service of Process 7 times from employees in the Executive Offices at Discover card and have been refused a response. Discover card seems to think they are above the law in this case and needs to be investigated for fraud.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (MA)

I am a XXXX XXXX at XXXX University, XXXX, MA. On XXXX XXXX, XXXX, I became a victim of a scam and identity theft and I ended up losing {$3000.00} in gift card purchase ( {$2500.00} on Barclays credit card and {$500.00} cash ) after being threatened with arrest and deportation. I am a US XXXX XXXX and in hindsight, should n't have bothered to listen to the scammer who posed as the police sergeant from XXXX with all my personal info and convinced me on the phone that I had committed some unlawful act by not completing form XXXX. I filed a police report and referred to the following FTC link XXXX : XXXX which clearly states that in the case of stolen or fraudulent transactions, the user is not liable. As the police report clearly states, this is a case of " Larceny under false pretenses '' since the purchases were done against my will and under the influence of the scammer 's wrong claims. As a XXXX XXXX, I can not afford to spend more than a few hundred dollars each month and so a bulk charge of {$2500.00} should have been blocked by Barclays right away going by my spend history. Despite opening a dispute with Barclays and  sending them the police report, they have declined to regard that and hold me accountable for the {$2500.00}. I would kindly and humbly request you to intervene and help me in this case by letting Barclays know of consumer rights and help recover my {$2500.00} back and try and nab the real culprits. The scam artist made me purchase XXXX gift cards from the XXXX XXXX store in XXXX, MA using my Barclays card. Please note the gift card numbers below : XXXX XXXX XXXX XXXX XXXX The XXXX XXXX store manager was n't able to fully verify if those cards had been redeemed but said there was no way to recover the money or trace the redeemers. Please help! Regards
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (MO)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}.