davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

hello, XXXX 2016 Chase bank colluded with the State of LA to put a levy on my checking account, comprised entirely of social security. i 'm senior, retired, indigent, homeless. ca n't find legal assistance. both parties are now heaping on XXXX dollars of penalties and fees. i am judgement proof on many levels yet there 's no denying the predation. how can it be stopped?
Consumer complaint received 2016-04-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (WA)

I applied for a {$1000.00} loan and was aware of the {$350.00} finance charge. I was not aware of 900 % interest. I also was not given the truth in lending disclosure until after my loan was approved.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 


Account Name : XXXX XXXX Bankruptcy Account XXXX : XXXX has violated my rights. Or list of inquiries 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 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 ) 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 2022-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION (IL)

Attempts to get credit union to send opening documents for new account opened.Account was opened via the web and never received the opening documents.Request paper statements of my account since I opened account in 2017.Supposedly they were using e-statements but I never received statements via the web till I requested them this summer.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

Everbank is my mortgagae company and they changed their website in recent months.In the new one I CAN NOT view the proper break down of my mortgage loan amount that I am paying. All of sudden they collect some different amount and you do n't know why?
Consumer complaint received 2015-03-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO. (NC)

XXXX University XXXX, NC I have started repayment on my Chase Student Loans ( originated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) and am unable to afford the total amount due. Today I learned that my payments have not been applying towards XXXX of the XXXX loans I have with Chase, and my payment is expected to increase once again next month. I am not asking for forgiveness of the debt at all, I just need to reduce my minimum payments. I also want to file a complaint against how my payments have been applied for however long I have been repaying them, as Chase told me today that the XXXX loan without payments has n't shown payment since XXXX XXXX.
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc. (GA)

I finished a 2 year contract with XXXX and switched to another phone company where the balance was to be paid by the new company for making a change to them. The balance was sent to collections while I was unaware and they claim they are unable to delete the item from credit report even after I pay the full balance.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX using the domain XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2017-03-01
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Century Credit & Collections, LLC (CA)

Century Credit & Collections , LLC has continued to harass and threaten me with constant telephone calls. I was threatened with credit reporting that would adversely affect my credit. I have made multiple attempts to reconcile the account with a repayment plan. Century Credit & Collections , LLC refused to accept a payment plan I could afford. As a result, I was hung up on. These kinds of strong arm tactics are unacceptable, unprofessional and create emotional distress.
Consumer complaint received 2017-02-11
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems (TX)

I notice an unauthorized charge on my credit report from advance america. They claimed I took out a loan in the year XX/XX/2012. I have not taken any loans out during this year or prior. I had a bankruptcy XXXX XXXX I was paying for. This charge on my credit report is not mine. 

I can be reach at XXXX. XXXX Thank you XXXX
Consumer complaint received 2015-06-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

JPMorgan has withdrawn money from my money market account without my knowledge or permission and has created a deficit or negative balance in it as a result. Simultaneously, it cancelled a recurring, prescheduled bill payment from my checking account to a student loan servicer, XXXX, without my knowledge or permission. Furthermore, again without my knowledge or consent, it completely eliminated XXXX as a payee I set up so that there is absolutely no trace of it or easy access to all payments that were made to it for several years. The last electronic payment made to XXXX from my JP Morgan checking account occurred on XXXX XXXX 2015, transaction # XXXX. This kind of raiding of my account, causing deficits in my account, cancelling scheduled payments and causing me to fall behind on a student loan payment, apparently, in collusion with XXXX, is an outrage that JPMorgan should be seriously sanctioned for and prohibited from ever repeating. Why are they allowed to arbitrarily take money from XXXX of my accounts, cause negative balances in the process of doing so, cancel legitimate bill payments that have been in place for years and collude with a student loan servicer so that my regularly scheduled payment is not made?
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-13
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. (WA)

A loan/credit card from XXXX XXXX is showing up on my credit report from XXXX. I was born in XXXX, which would make me XXXX XXXX XXXX and not of age to concent to someone using my social security number. Neither of my parents authorized this as well. XXXX XXXX says they cant find anything with my information on it and therefor will not help resolve the issue of it showing up on my report. I am in the process of purchasing a home and this negative mark is preventing me from the purchase. I dont have the luxury of waiting for this to be resolved, it needs to be done immediately so Im able to show an accurate number for my credit score. Thank you.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Resurgent Capital Services L.P. (TX)

I have provided Identity theft Report, disputed.this debt as such with the original creditor, advised XXXX that I DID NOT open this account. There have been other creditors that I have notified and had this issue resolved. LVNV has purchased this debt, and I have submitted to XXXX XXXX XXXX a validation of debt and a copy of the Police report which I am not sure if they have received. I will be filing an Attorney General, FTC complaint against XXXX, LVNV, and XXXX XXXX if this is not resolved. This is the only headache that I have endured after I started to receive collection calls and then check by credit bureau report.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I has sent multiple letters over the last 3 month trying to make transunion and XXXX  follow the law. First letter was received by transunion on XXXX. XXXX received theirs on XXXX. Second letter received by transunion and experian on XXXX. Third letters were received XXXX by both credit bureaus. Fourth letters received XXXX. All of these letters demanding several accounts be removed from my credit report as transunion and XXXX are in violation of : 15 USC 1681 section 602A 15 USC 1681 section 604A sec 2 15 USC 1681c a5 15 USC 1681s-2 ( a ) ( 1 ) I have made every attempt to settle this matter outside of court. The bureaus simple refuse to follow the law. I am demanding one last time that the accounts i ask them to delete from my report be deleted immediately. Otherwise i will have no choice but to file a claim against transunion and XXXX  for multiple violations of the FCRA, the ECOA, and the Privacy act. XXXX had no problem following the law and removing these items. Transunion and XXXX must follow suit and do the same as they are all required by law to report accurate information. All three reports must match. 
30 days is almost up and they have not removed the items from my credit report. They are giving me no choice but to file a claim against them.
Consumer complaint received 2022-09-05
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)

My identity was stolen me and my family of 7 will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft 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
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TN)

I never gave Innovus my consent to report any of my nonpublic private consumer information. This is Identity Theft and I hereby Opt-Out of any consent for Innovus to report my nonpublic private consumer information.
Consumer complaint received 2024-01-26
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I opened an account with Synchrony XXXX and they ran my credit and I was approved for {$5100.00} dollars. I never used the account nor have I EVER activated my card from Synchrony Bank. 

On XX/XX/2024 I received a letter from Synchrony XXXX saying that they are closing my account and their decision was based in part on a scoring system that was used to predict your creditworthiness? 
The reasons are : Balances on Bank Cards are too high compared with credit limits Too Many Revolving Accounts with High Balance Compared to Credit Limit Not Enough Balance Paid Down Over Time On Real Estate Secured Loans Too Few Installment Accounts Recently Paid As Agreed NEVER EVEN USED MY CREDIT CARD FROM THEM. 
IN ORDER TO OPEN AN ACCOUNT WITH Synchrony XXXX THEY RAN MY CREDIT AND MY SCORE DECREASED WITH THEM AND THE INQUIRY STAYED ON MY CREDIT ACCOUNT FOR 2 YEARS? 

I fill like they are trying to RUIN my credit. 
My major credit cards have not decreased my credit limits or closed my cards and Synchrony XXXX CREDIT are just a store credit card? 
What justifies them to be able to close my account?
Consumer complaint received 2016-10-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FIRST REPUBLIC BANK (CA)

I am constantly receiving " Notices to Foreclose '' because my lender, First Republic Bank, is not managing my loan properly. I make monthly payments and they apply them to reduce the principle of the loan instead of making the monthly payment as intended. Out of frustration, I set up my monthly mortgage payment as an auto-debit through my XXXX checking account. They did n't get that processing handled either and, again, I received a " Notice to Foreclose ''. I do n't know what more I can do to get these payments made properly. I am completely convinced that they are making errors in order to charge late fees. I am concerned about their errors as it relates to my credit scores. I have owned eight homes over the last 30 years and I have never, ever had these problems.
Consumer complaint received 2024-01-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: LendingPoint Holdings LLC (VA)

I told them I had never spoken to them about a loan nor had I ever gotten any mail from them or emails concerning a loan. 
When I found out about this I was paying off my son 's debts with insurance money and hoped that he would have money in his bank account ( which was frozen for 60 days due to no will ) .Also he had recently opened a restaurant and I assumed he had used loan money to do so.I thought I could get money back from it, which I couldn't. Trying to do the right thing, I said I would pay a few times until I found out.When I couldn't get money from the restaurant and he had none at the bank, I said stop future payments. They said because I paid the 2 payments it was considered my loan.
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (NY)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST (CA)

My bank this morning dispersed $ XXXX.from my bank account, without my permission. They made a {$2500.00}. wire transfer payment on a bill with a balance of {$150.00}. 
The recipient/XXXX knew the payment was in error and has voided the check.Bank of the West Type to enter text is doing nothing to restore that money to my bank account, leaving me overdrawn several thousand dollars! After many hours investigating what could possibly have happened, I believe was caused by an error Bank of the West processing center. 
The Bank is doing nothing to help me even though I notified them at XXXX of the problem. 
Their Customer Service keeps wanting to make it my fault! 
My account is now overdrawn several thousand dollars and I can not pay my bills withdraw any money!. 
Type to enter text
Consumer complaint received 2015-07-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (CA)

These people are not licensed to perform XXXX XXXX excessive interest rates XXXX operations in the state of California or the USA. They are charging me a interest rate of % XXXX and the department of business oversight of the state of Ca. said that they can not do that. Their phone number is XXXX
Consumer complaint received 2021-06-03
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: JPMORGAN CHASE & CO. (CA)

Once again I am filing a complaint on the way Chase has handled this dispute and siding with the XXXX XXXX which is ridiculous and doesn't make any sense at all and I am not even given a real reason why! Chase has ALL the information previously given and they continue to reference a letter I NEVER received on from XX/XX/XXXX that was already addressed with them! I received the wrong flooring, nothing like what I ordered as shown in the pictures, NOTHING to do with buyer 's remorse, the minute I saw the flooring it we tried to return the NEXT day! I purchased the flooring on XX/XX/XXXX and arrived approx 2 weeks later so that would have been earliest it could have even been seen, XX/XX/XXXX, until a product is seen how do we know it is right or wrong product, which it was wrong even if they say they ordered right number look at pictures it is NOT right! I have yet to hear a realistic response as to why they are siding with the Merchant, all they say 30 day return policy and we were not able to pick up product till they received on XXXX XXXX and when I saw was XX/XX/XXXX clearly within 30 days! Chase has NOT given me any clear reasoning for this so I will continue to fight this because it is WRONG, look at the pictures do they look like the same product!!!
Consumer complaint received 2016-04-27
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NJ)

On or about XXXX XXXX, 2016, I applied for a VA Mortgage with Quicken Loans ( QL ) because QL was listed as the nation 's second largest VA Mortgage lender at the VA website. QL demands that I prove that I possess {$12000.00} on hand to cover for the closing costs, however, QL refuses to break down what closing costs amount to that number. I did convey to QL that I had {$12000.00} in cash assets available before QL demanded {$12000.00} for the closing costs and then increased the amount to XXXX.
Consumer complaint received 2016-02-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (TN)

We had our mortgage through XXXX XXXX, but on XXXX XXXX XXXX they sold our account to Homebridge Financial. XXXX, before selling the account, paid their portion of the taxes due to our county property taxes, and forwarded the remaining bill to Homebridge. Homebridge was due to pay the remainder by XXXX XXXX XXXX, they did not pay. We are military and live XXXX states away and received notification from our county XXXX XXXX XXXX that the taxes have not been paid. We immediately contacted XXXX, and I was advised by the agent to fax over the delinquent notice, and they will contact and make payment arrangements with the tax commissioner office within 3 days. On XXXX XXXX they had not yet done so and I was informed by tax commissioner office that Lien would be placed the following day XXXX XXXX XXXX. Homebridge continues to say they are trying to verify parcel numbers and verify amounts. I provided to them a direct number to tax commissioners office. I also called tax commissioner office and verified that homebridge has not contacted them and no arrangements have been made along with any payment.
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Harris & Harris, Ltd. (TX)

Called me at XXXX. I have the record on my phone. I am taking my daughter to school at that time. You are not allowed to talk on cellphone and drive in the State of Texas.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX This account is well over the reporting period, Account was closed back in XXXX But still reporting on credit profile with last payment showing XXXX. 

Please see screenshot for reference. 
Original amount XXXX XXXX amount : XXXX
Consumer complaint received 2016-06-02
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (AR)

I, XXXX XXXX, act # XXXX, is making a formal dispute of the escrow analysis dated XXXX/XXXX/16. I would like a breakdown of the deficiency amount of ( XXXX ) and the shortage amount of ( XXXX ). 
I am enclosing a copy of the letter from Ditech that stated {$720.00} was paid for my taxes to XXXX XXXX XXXX XXXX XXXX. I am also enclosing a copy of my tax bills dated XXXX/XXXX/16 and XXXX/XXXX/16. 
Please take note of the enclosed My Escrow overview, distribution date XXXX/XXXX/16 for XXXX and XXXX/XXXX/16 Insurance only distribution amount {$720.00}. The same amount Ditech said they paid XXXX XXXX XXXX XXXX. I have my own homeowner 's insurance with XXXX. 
I would also like to have a breakdown of the XXXX XXXX XXXX of {$3100.00}. and the deferred balance of XXXX on my monthly statement that seems to change from month to month. 
Sincerely, XXXX Cc : Consumer Finance Arkansas Attorney General