davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I made a payment online to chase mortgage account on the amount of {$1300.00}, this payment never reflected on the mortgage account, but was taken out of my bank account. Ive spoken to many different people in chase and Ive opened 4 cases about this so it would be escalated and nothing has happened still. Recently every time I contact them they just put me on mute and hang up. Therefore its come to the point that I cant even speak to anyone. I live in the U.S and they tell me that someone in the XXXX is in charge of my account and they can never get a hold of them because of the time difference.
Consumer complaint received 2021-07-21
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)

Dear Consumer Protection Bureau, I hope you are doing great!

I found accounts that I do not recognize. It seems for me like a SPAM items. Its a fraud and I do not want to have them in my profile. Can you please investigate them? Its identity theft for sure and let me know who used my personal information? and after you check them please remove.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

Amazon Synchrony bank was notified in XX/XX/XXXX of charges on my Amazon credit card. 
The charges on account totaled {$420.00}. 
I had not used the Amazon card for two years. I should have a XXXX balance. It showed six separate charges showing books purchased every week in XX/XX/XXXX. 
Synchrony bank said we will show fraud and cancel card. We will send you a replacement. Not to worry. 

Well they have denied my claim and show I owe the total. 
I have called Synchrony bank since XX/XX/XXXX to XX/XX/XXXX. 
I sent copy of orders with information on the account to support the fraud and display the tracking numbers displaying other addresses, all addresses were XXXX XXXX, Georgia. 

I sent the bank police report case number dated XX/XX/XXXX. It was determined the package delivered was not my address and not books. The recipient was contacted. 

Synchrony send letter of denial XX/XX/XXXX. 

I have appealed their decision with supporting documents and as of today, still declined. 


I never ordered books and I never charged anything.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

Over the last 6 months have been trying to get JPM Chase to correct the information they are displaying on my credit report. They are stating XXXX is the loan servicer, JPM is listed on the credit account. Now, This has been transferred to a government entity and payments are current! If was suppose to pay JPM or XXXX then how do I suppose to pay them????
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Please provide detailed information on how this investigation was conducted with the following : 1. Names of people conducted investigation for the information displayed on my credit report 2. Dates, times, and e-mails when these conversations has taken place?
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3. Last date of activity for this account? Which is not displayed on the credit report why??
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4. Explanation on how to can you " MARK ACCOUNT LATE '' when you do n't have control over the account and have not provide a payment method to kept the account current?
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5. Please provide the original documentation sign by XXXX XXXX
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6. Please provide the date and time when the account was transferred from Chase/XXXX to a government servicer.
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7.Please provide the proof and accurate information schedule payments that were missed. This should be displayed by financial statements from your accounts.
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8. If the BALANCE OWE IS XXXX??? HOW CAN YOU BE LATE?
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This does not make sense at all and should be investigated all my accounts are to date and JPM Chase/XXXX is violation of the FCA. From this point I will consultant the attorney that sued XXXX for XXXX XXXX dollars  because they refused to remove inaccurate information of her credit report.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC (FL)

I contacted Early warning systems almost 10 days ago and requested a copy of my consumer report. I requested this report through their portal. I have yet to receive a response from them. I have a right to this information. If they can supply this information to a bank instantly then they can e-mail, mail, etc me by now. Its clear from the attachment that I requested this report on the XXXX
Consumer complaint received 2017-11-12
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. (AZ)

My loan recently transferred to a new serviced XXXX XXXX is first payment ). With my previous servicer, I was sending an extra amount for the last several months to pay down the principal. The new servicer adjusted the payment schedule to require the higher payment every month without asking me. Sent me a letter saying to account for the payment you like paying, weve adjusted your payment schedule. 

By doing this, my extra funds, when I have them, are no longer going towards principal alone. I called on XXXX to ask them to put it back to my original monthly payment. The payment amount listed on all the material they sent me in the transfer, and was told theres nothing they can do. Best they could do is offer me a payment that is {$100.00} higher than my normal payment. Essentially still cutting into how much my extra funds, when i have them, applies towards principal. Navient is shady.
Consumer complaint received 2017-11-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

Equifax is not allowing consumers to dispute stuff on the report. They are in direct violations of Federal Law. They continue to destroy communities with their Fraudulent behavior. Getting tired of not being able to access our own information. They have it to where you have to pay to dispute inaccurate information on your own credit report. These crooks need stopped for once and all. STOP RIPPING OFF THE AMERICAN PEOPLE > AND ACTUALLY DO THE RIGHT THING
Consumer complaint received 2020-10-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (PA)

I recently refinanced my VA loan to take advantage of the lower interest rates. The loan refinance process was straightforward and completed in a timely manner. I was extremely pleased. Once the servicer took over is when everything went backwards. It started with our mailing address change ( from street to PO Box so letters would not be returned to the sender. I fax a changed request, and it wasn't completed. a month later, our school property tax bill came in, and we were granted the homestead allowance, reducing our school tax burden. I called and they recommended I submit a change of address form through email, and the new tax bill via another email to the tax/escrow dept. 

A month later, the taxes were coming due and I call when I hadn't been communicated that the bill was paid. I also noticed my mailing addressed wasn't changed. Customer service said they submitted a ticket for both, and we would see the payment go through and my address would be adjusted. Two days later, my taxes were paid, but it was for more than double the amount of my bill. I called and they said it was for all my property tax bills ( township , county, and school ). My township and county taxes are not due until XX/XX/XXXX of every year, and even if you add ALL my taxes together it was still {$2000.00} less than the total that was paid for the school taxes. I emailed them all my XXXX tax bills, and spelled out when they are due for the Paid in Full discount ( XX/XX/XXXX for school, XX/XX/XXXX for township ). I was concerned my monthly bill would be increased. Today, I was informed that my escrow was increased to cover the incorrect tax bill, and a call to customer service again indicated that the tax/escrow office " does not take phone calls ''. I have no other recourse at this point and would like to let others know this is how this company operates. I regret financing away from my original mortgage company.
Consumer complaint received 2021-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

Navient, XXXX, and XXXX have not sent information requested three times. Copy of signed signature promissory notes, fraud complaint forms ie incorrect balances and or interest rates. I do not owe the amounts listed on my credit report and have asked that the debt be listed as disputed with ALL credit reporting agencies until all documents requested have been received to confirm the debt and interest rates are correct. The lender has NOT produced my signed with my signature on my promissory notes. I believe that someone is changing the terms of my loans to make it appear as if I owe more than I actually do and the lender refuses to provide information confirming the terms of these loans.
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OR)

Deposited two checks and some cash at the same time through their ATM. I selected " receipt without check images ''. The machine froze for about 10 seconds, then said " transaction canceled '' but it did n't return anything to me. I immediately made a claim and they credited me roughly the amount I deposited XXXX {$1600.00} instead of {$1600.00} ). Now a month later, they 're saying they found one of the checks, but not the other and none of the cash. So.. if it was deposited all in a stack, but they ca n't physically find the cash, I believe someone pocketed it. They say they checked it twice and I 'm not entitled to money I did n't deposit ; Essentially telling me I 'm lying. I 'm having the paycheck reprinted, but someone walked out of there with my cash.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I saw on the news about a data breach with one of the stores I shop at a lot. It alarmed me and caused me to check my credit. When I pulled my credit I noticed several things on my report that looked strange. After further looking, I discovered several things that are not from me. I have completely no idea where these things came from and would like them taken off. I reached out to the FTC and police in my city also. These need to be removed : 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
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have a credit freeze on my TransUnion credit report. 

I tried to unfreeze it online at the TransUnion website because I am applying for a new credit card. 

However, TransUnion 's website says " Credit Freeze Service Temporarily Unavailable ''. 

This is unacceptable : 1 ) First, credit reporting agencies are terrible institutions that make money by selling private information to others, and we consumers aren't able to stop them from profiting from us in this way. 

2 ) Second, credit reporting agencies are required to offer this freeze/unfreeze protection according to the Economic Growth, Regulatory Relief, and Consumer Protection Act. This Act was passed precisely because of the gross negligence of these terrible anti-consumer agencies who routinely misuse our personal information, increasing the chance of identity theft. 

TransUnion is violating the " Economic Growth, Regulatory Relief, and Consumer Protection Act '' by not allowing me to unfreeze my credit report when necessary. It is required to remove my freeze within one hour of my request, but it has not done so since after making my electronic request, TransUnion 's website responds with " Credit Freeze Service Temporarily Unavailable '' and asks me to call their company instead tomorrow ( after an 8 hour delay ). That's longer than the required 1 hour to resolution.
Consumer complaint received 2021-11-17
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: TD BANK US HOLDING COMPANY (LA)

XX/XX/XXXX td auto finance sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over nite inever heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from td auto finance and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when XXXX XXXX total my XXXX  after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and td finance did fraud with my information
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

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 the Fair Credit Reporting Act the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
The account below has violated my rights 15 U.S.C. 1681 Section 602 A.States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( a ) A person that not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate.

PLEASE DELETE THE ACCOUNT BELOW
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

1. The loan servicer is PennyMac Loan Services. 
2. The Loan Number is XXXX. 
3. XXXX states the investor is XXXX XXXX. I have confirmed with XXXX XXXX directly tha they are not the investor. 
4. I also called XXXX XXXX and they confirmed they are not the investor. 
5. The only other possibility is that the loan is in a pooled Trust. 

6. I have sent PennyMac Loan Services 10 Qualified Written Requests by affidavit to acquire certified copies of the Promissory Note and the Deed plus information about a forensic audit to determine who the investor ( s ) is/are. For the past 3 years PennyMac Loan Services has refused to respond to any QWR. 

7. PennyMac has also modified the loan over 50 times by accounting fraud and fraudulent insurance and is forcing me to pay for these modifications in violation of a 2015 Superior Court judgement when the court ordered them to stop and pay restitution. They have refused to follow the court order and are threatening foreclosure if I don't pay them.. even though I have made every single payment on time with extra principal they insist I own them more money even after the court judgment against them. 

I am requesting assistance from the CFPB to please instruct PennyMac Loan Services to immediately respond to the Qualified Written Request and provide the requested information, including certified copies of the Promissory Note, the Deed and Title, and the investment Trust information for the forensic audit.
Consumer complaint received 2021-03-15
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. (TX)

OnXX/XX/XXXX I submitted a credit information dispute with XXXX, XXXX, and TransUnion. In this dispute all 3 credit bureaus have a Bankruptcy listed on my credit report that is inaccurate. 
1.XXXX has the bankruptcy listed as Case # XXXX with a Court # XXXX 2.TransUnion has the Bankruptcy listed as Case # XXXX 3.XXXX has the Bankruptcy listed as Case # XXXX with a Court # XXXX As you can see from the Bankrupcy Court Official Document Sheet the Official case Number is XXXX. 
1.XXXX has the Case # lasted and it's incomplete and as you can see from the Official Court Document Sheet there is no Court # listed 2.TransUnion has the Case # listed and it's incomplete as they are missing the letters that are to follow the Case # as you can see from the Official Court Document Sheet 3.XXXX has the Case # listed and the Case # in incorrect and as you can see from the Official Court Document Sheet. Also there is Court # listed on the Official Document Court Sheet
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Kohls continues to report account as past due. enormous increases to balance owed and outrageous late charges. On XX/XX/2019 I submitted a proposed settlement offer : Reference : Account Number : XXXX Kohl 's ATTN : CEO XXXX XXXX  XXXX XXXX XXXX, SD XXXX Dear Executive Officer : I XXXX XXXX XXXX am writing this letter to show my willingness to settle referenced account. Records show that I have continued to dispute Kohl 's increases to minimum payments due and the assessing of unwarranted late fees, with negative responses. Kohl 's has failed to provide a detailed explanation on these outrageous minimum payments due and assessing of late charges. Minimum payments due continue to be inconsistent. Kohl 's continues to show an inaccurate depictions of my credit scores, resulting being unable to achieve my financial goals and objectives. 
Even though Kohl 's unwillingness to provide a detailed explanation on these minimum payments due and assessing of late fees, referenced account continues to be paid on time. 
Based on this information, payment detail listings, and payment history reports, I feel that I do not owe as much as Kohl 's claims I owe and I am willing to save both parties a great deal of time and expenses by offering to settle referenced account for {$300.00}. Reported balance {$810.00} minus reported late fees ( {$510.00} ) = {$290.00} ). I am proposing making payments in the amount of {$50.00} every month until paid off. 
Kohl 's has failed to respond to this settlement offer or even submit a counter offer. Latest credit reports show that Kohl 's continues to show an outrageous balances, assess unwarranted late charges. According to several Negotiating settlement websites and after conferring with several Attorneys, Kohls was to have responded within 30 days of receipt of settlement offer.I was informed not to make any payments until I receive the proposed terms of settlement in writing on company 's letterhead with a signature from someone who is authorized to agree to proposed settlement offer. Against my better judgment, I continued to submit monthly payments, with the final payment made in the amount of {$18.00} Check # XXXX. Since Kohl 's has showed an unwillingness to work with customer to bring this account to a close, I consider this account as paid as agreed. Kohl 's actions or lack thereof continue to have a devastating impact on my credit scores. Kohl 's has depicted me as uncreditworthy.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX called us about two debit card transactions in the amount of {$820.00} and {$620.00} that we did not authorize. We called Bank of America about this fraud transactions. Afterwards, there were 3 ACH transactions from XXXX XXXX in the amount of {$970.00} each were withdrawn from our BOA checking account. We had to freeze our bank account to prevent further withdrawal of money. Weve been getting in touch with XXXX XXXX about this fraud and they sent us an email showing that the debit card transactions were declined. But the money was withdrawn from our bank account. BOA were able to prevent the ACH transactions from going through, but they refused to return the {$820.00} and {$620.00} debit card transactions to our bank account. We did not authorize this transaction. It was a fraudulent transaction.