davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase bank one day closed all 3 of my personal credit cards. All of them have always been paid on time, I was never late for any payments, 99 % of the time the full balance was paid off. I regularly spent about {$10000.00} a month all cards together. During the pandemic, XXXX to XXXX, I had to pay some of my business bills through my personal credit card as I had limited credit and needed more cashflow runway. So my spending increased to about XXXX a month, but I still paid it off every month. 

One day on XX/XX/XXXX, I wake up to find by logging into my online banking that all 3 of my Credit Card accounts were closed, Chase Freedom Unlimited, Chase Freedom, and Chase Sapphire. 

No notice, no phone call, no letter. 

I called Chase. They told me that my accounts were closed and they can not tell me the reason why, and its irreversible. They told me a letter would be coming and to expect it, I asked them if it would explain anything. They said it probably wouldn't. I received it about a week later, and they are correct, it explained absolutely nothing. I've spoken to multiple representatives and my chase private client banker, and none of them were even able to tell me a reason as to why this would be and indicated that I would not be able to apply for Chase Credit Cards again, though it seems like that information they had on their computer was so very limited they weren't even sure themselves, or if I could open a business credit card in the future. So it seems that they've permanently ended my credit card relationship with them. This has affected my credit score and report, as they were the primary CC cards I used. 

I have multiple corporation and business accounts with them for XXXX XXXX. All combined we had a gross income of XXXX XXXX pre-covid, and after the pandemic started we dropped down to XXXX XXXX gross income. I will continue to keep trying to get my credit cards and my relationship back for the next couple of weeks. If nothing works out. I'm will be moving all 12 accounts out of Chase. 

Chase did not even disclose to me why they closed my accounts.
Consumer complaint received 2020-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX, ( Intro Banker, ( XXXX ) XXXX, NMLS # XXXX ), a banker with QuickenLoans followed up on a request for a refinance. On this follow-up call XXXX informed me of a special that was ending this month ( XXXX ) that would waive closing costs however we would need to at least tart the application process today ( I was at XXXX XXXX for a short holiday and he assured me it would just be 10 minutes and we could finish the following day ). I recall the credit being XXXX or so which they consider excellent. All seemed fine until the next day when XXXX and I were meant to finish the applications process. On this call XXXX informed me that the cost of the loan would be {$6200.00} which included, title ( not sure what this was about - I already had a title ) and escrow however, {$5300.00} of this I was told were government mandated closing costs which could never be waived. With wavering confidence i continued with the process until getting to a pre-filled form with still higher costs, near {$12000.00}. In response to my concern XXXX stated that this was just an estimate and final numbers would only be known after underwriting. At this point i am very uncomfortable, hang-up with XXXX and bring in my attorney XXXX to clarify a few items. I have posted the email exchange into a word document as supporting documentation. You will notice that when responding to XXXX, the previously mandated government fees are now not mandated but its up to underwriting which is deceit number 2, the first being the fabricated special on closing costs which appears to only exist in the fraudulent mind of this banker. You will further notice the response from QuickenLoans when i reported this behavior. Complete deniability. The deceptive business practices of this company and their employees need to be exposed.
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Recovery Portfolio calls me and my husband multiple times a day. I told them to only contact me by mail and they have yet to do so. They ask for my information but refuses to give me any information unless I identify myself. They give personal debt information to my husband. They call after XXXX
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conns XXXX repeatedly calls my phone several times a day. ( up to 6 times a day, 3 times on average a day. ) I have never had an account with conns, and will NEVER shop with them if this is how they treat their customers. 

They claim my diseased father whom, I have had no contact with for over 25 years put me down as a reference. Which is a straight out lie, as my father never had my phone number, let a lone provide it to anybody as a reference. 

They repeatedly call my sister too. 

I have repeatedly told them not to call me, as I have my own medical issues and it is very stressful when they call back to back from different numbers for somebody who I have not seen or had contact with in over 25 years. 

Particularly when they know he is diseased, because they told my sister they would need a copy of his death certificate to stop calling. My sister who did have contact with my father paid money to get a copy of his death certificate, and provided it to them. 

However that did not stop the calls, they continue to call multiple times a day, the whole time knowing fully well that my father is diseased. 

I have received 23 calls in the last 3 weeks concerning this, which is ridiculous. 

I have even told them, when they claim they have to talk to him and as a reference I have to help them contact him. Their best possible way to talk to a diseased person is to try and talk to them at the cemetary. Maybe they could go talk to his headstone at the XXXX XXXX XXXX National Cematary and talk to him there. 

These calls need to STOP
Consumer complaint received 2019-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/XXXX I contacted Capital One regarding my Lord and Taylor account and wrote letter to let them know there was an issue with my account. I explained to them I did not receive a statement or phone call to pay the bill of approx. {$30.00}. I asked how can I pay a bill that I never received and asked them to remove the 30 day late from my file. They reported {$95.00} being the balance and that was also incorrect. The late fees was waived. 
On XX/XX/XXXX I received letter from Capital One and they said based on the information I gave them, they are unable to change their reporting on a courtesy basis. They also included the Fair Credit Reporting Act requires Capital One to report the account history accurately. 
On XX/XX/XXXX, I wrote back to them that it was not a courtesy. I did not receive the statement so how can I pay if I didn't receive the statement. The payment was immediately paid once I received notice from XXXX XXXX my account was late. I paid when it was known to me. If I was not properly notified about a payment, this 30 day late should be removed and not held against me. 
On XX/XX/XXXX, I received the same standard letter they gave me on XX/XX/XXXX. Only thing that was changed was the date.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX # 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 instructions.

15 U.S.C. 1681c ( 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. 1681s-2 ( A ) ( 1 ) States : A person shall 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 inaccurate.
Consumer complaint received 2021-09-08
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. (SC)

I'VE MADE SEVERAL DISPUTES WITH ALL CREDIT BUREAUS AND I'VE SUBMITTED MY POLICE REPORT DUE TO IDENTITY THEFT. AND FOR SOME REASON THE ITEMS ARE STILL ON MY CREDIT REPORT. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I ALSO HAD FRAUDRULENT INQUIRIES ON MY XXXX REPORT AND XXXX THAT HASN'T BEEN REMOVED. XXXX ALSO HAS NAMES THATS NOT ASSOCIATED WITH ME XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.
Consumer complaint received 2021-09-08
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)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

Citi Bank just posted to my XXXX credit report that I have not made any payments on my card in the last 90 days. This has caused me to not get approved for a loan an has caused me get hardship. I have attached proof of me making payments.
Consumer complaint received 2019-10-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/2019, I made a payment in the amount of {$72.00} to XXXX XXXX in North Carolina. The next month I received my monthly statement. Billed date XX/XX/2019 the previous amount is still showing on my statement {$72.00}. The payment box is XXXX. No payment of {$72.00} from the last month. I go ahead and make from another bank {$130.00} {$72.00} plus {$62.00}. Thinking that I had already made the payment I research and find that I made the payment the prior month in the amount of {$72.00}. I call XXXX and SECU to try and resolve this issue and have not been able to resolve it. 

I was able to talk to SECU personnel in XXXX to give me the information needed which is attached. However, the local bank has yet to resolve or consider any resolution.
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (PA)

Keep Receiving calls from Diversified Consultants, two of the numbers calling from are : XXXX & XXXX. They are asking for XXXX XXXX. My name is XXXX XXXX. There is no XXXX that resides at my address. I 've told them 4+ times over the past month, but they continue to call and call. 

I do n't have any debt owed that is outstanding. XXXX is not a resident of this household. Please have them stop calling me.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (UT)

After repeated attempts, Experian was the only credit bureau I was unable to receive my annual free report from using XXXX. After repeated attempts to contact them by phone to rectify this problem, I was unable to ever get passed their automated call screener. My problem could have been very easy solved by a human in less than a minute. I was a victim of unemployment insurance fraud in my state and merely wanted to verify no other fraudulent activity existed on my 3 yearly reports. Experian simply seemingly refuses to supply with with a free yearly report, in violation of my rights.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX has posted that my account is more than 90 days late. This is incorrect and far from the truth. I have attached payments made to my account over the past 90 days. I will also be contacting an lawyer due to this miss information.
Consumer complaint received 2017-12-28
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: Bread Financial Holdings, Inc. (TN)

I never sign up, fill out any application or request any mortgage assistance from XXXX XXXX. this company is shown up on my report with out consent. I have sent a letter on XXXX/XXXX/XXXX requesting that inquire to be remove from my XXXX. this company is listed as a XXXX XXXX agencies with no number address to be able to request proof of signature that authorization was given to pull report
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Re : XXXX XXXX Ikea account In early XXXX I posted a payment to my Ikea card with an account # ending in XXXX. That payment cleared my bank on XX/XX/22. My monthly bill is not due until the XXXX of each month. I usually pay my bill early. 

When I logged in again to schedule my payment for XXXX I realized this account is being flagged as " late '' AND has been assessed a {$41.00} late fee. I wrote XXXX via the secured message center on XX/XX/22 and asked that late fee be waived given the fact that I had my payment promptly. I explained that I came to realize that Ikea/Commenity did not receive the full minimum payment due because of an error on their end, not mine. The amount they received was {$27.00} but that's because ever since BREAD became a part of the XXXX Co their system CONSISTENTLY changes the payment amounts on the screen before final processing. 

I know this for certain because I also have XXXX, Victorias Secret and other XXXX cards. Whenever I try pay more than the minimum, I have to manually the amount on the screen, by the time I get to the next window the amount reflected is NOT what I typed in and it is ALWAYS less. I have to re-do it 3 or 4 times before it rectifies for each account every single month. This happens across the board with all Bread/Commenity accounts. Given that the glitch is so rampant it must have done it with this account except I must not havre catched it this one time. 

Therefore this late fee is not something that is properly assessed because it was caused by the creditors own system issues. I was thinking of reporting this issue before because it so rampant but did not. Now that I'm being assessed a late fee that I don't deserve, I feel compelled to complain.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (MA)

I have a XXXX XXXX XXXX XXXX  that I bought from a dealer with a subprime loan thru Santander Consumer USA 7 years ago. Admittedly, I had to ask for loan assistance twice due to the XXXX XXXX of my son. Thus I expected the the 3 months would be added to the end of the load. The maturity date was XX/XX/XXXX. I called to ask why there was still a $ XXXX balance and they said I still owed that amount. They would see if they could do a re-modification of the loan. They came back with an additional 2 years at {$700.00} per month. I have been paying {$700.00} per month for 7 years and can't believe I now owe this much more. This doesn't seem reasonable to pay another $ XXXX for a car that will be 9 years old and the book value right now is < XXXX. I asked them to send me the agreement and the APR is 21 %. The breakdown is still part to the principle and part to the interest. I have not signed the agreement. I am considering voluntary repossession but I know this will severely affect my credit. ugh! They are bilking people with low credit scores. I suggested that I could sell the car to XXXX for XXXX if they would accept that as a payoff and they refused and told me to trade it in towards another car. I am almost XXXX years old and don't want another car payment. Please help!
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

In XX/XX/XXXX I called CITI mortgage account number XXXX to pay an extra month in hopes of paying on the interest for the month. My normal payment was set for XX/XX/XXXX and this is set for Auto-pay. ( Note my account has been on Auto Pay for the entire year ) XX/XX/XXXX CITI attempted to deduct the normal amount/extra payment I set up, and in unbeknownst to me the payment did not process. At that point in time CITI without my knowledge suspended all Auto pay features and without my approval. Two months passed and I was under the impression the bill was getting paid as usual. However, since CITI stopped my auto pay, I am now two months behind on my mortgage and they reported the late payment to the credit Bureau which will no adversely effect my credit rating. Additionally, the sold my loan to a third party servicing company without my knowledge and approval on XX/XX/XXXX. I called CITI to have them correct the reporting, but they told me they were not able to assist.

A fair resolution would be to have the late payments removed from my account and history as well as advise a consumer that when they attempt to make and extra payment outside of auto pay, that the auto payment feature will be cancelled without cause. Lastly, as a consumer they should not be able to sell my loan without notifying me or approval. I 'm currently working overseas in support of the XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 inaccurate. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Consumer complaint received 2019-10-28
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. (CA)

I submitted to Equifax a list of accounts that i want to dispute. After numerous weeks I get a letter attached stating that they need to verify my identification even though I have logged on their website and downloaded my credit report and was able to see the inaccurate credit lines on my report. I always have an issue with Equifax response to an issue and pulling my report. I am requesting equifax immediately respond to my request or remove the inaccurate and bogus accounts from my report.
Consumer complaint received 2019-10-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MA)

Company : GM Financial Date : XX/XX/2019 ( Date of Notice0 Issue : Negative reporting to credit agencies Summary : GM Financial company reported one time 30 days of delinquency on my car loan payment. I had auto-payment set up for this account, hence I was under impression that the payments were being made in a timely matter. I received a notice from GM Financial in writing without any prior phone call nor notice in XXXX. Upon receiving a notice, I took care of the late payments right away and have asked my bank to look into the auto-pay system. I have asked the company to remove any negative reporting on my credit score, but they stated this issue should be resolved with the credit bureau. The GM Financial acknowledged electronic mistakes from both sides and waived late payment fees. I am writing to request the Consumer Financial Protection Bureau to remove this one-time negative report on my account. Thank you very much and please do not contact me if you have any questions or concerns.