davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I have a HELOC with Chase. It was opened on XX/XX/XXXX. I have been a Chase customer since XX/XX/XXXX. I have never paid late ; not once. I have stellar credit with not only Chase but ALL my creditors. They decided in XX/XX/XXXX to change the interest rate on my HELOC from 2.74 % to 8.50 %. When I called they stated they had to " flip it to a fixed rate ''. I completely understand moving the loan to a 'Fixed Rate '. However, fixed rates today, with my fico of XXXX is a rate of approximately 4.125 %. I DO NOT understand how they can move my rate UP by 5.76 % in one month!!!! If any mortgage lender put a borrower in a loan at 8.50 % with credit such as mine, the CFPB would be knocking on the door of the lender asap. This is completely unacceptable to charge me a rate of 8.50 % on a mortgage loan. They did not offer me ONE SINGLE option. Just sent a new statement with the payment quadrupled. Please investigate. I have the statement and proof of the increase in interest rate. I can send anything needed. This is terribly wrong and needs to be corrected asap. Thank you.
Consumer complaint received 2021-03-04
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: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My business partner and spouse, recently had a suffered a XXXX XXXX XXXX brought on by what her doctor believes now was XXXX. And due to her illness at the time, she had me legally removed from our business and my access cut off from our business account. Unfortunately because of her illness her XXXX XXXX was XXXX XXXX and she totally lost control of our business checking account, and we incurred over 4800 dollars in late fees since XX/XX/2018. Since I had no access to our accounts and since I was never contacted by the bank myself, I had no idea about she had been so reckless. Upon my return a few weeks back, I've tried to get our Bank of America to remove the over draft charges due to our hardship and the fact I was never contact myself and hence had no idea such had occurred. My request has basically been denied and considering the circumstances of our hardship created by my wife 's medical condition, I am asking for some assistance on this matter. Enclosure ( 1 ) is a list of the charges incurred from XX/XX/2018 till yesterday. Thank you advance for any assistance you might be able to offer.
Consumer complaint received 2023-01-28
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX XXXX is showing up incorrectly with the bureau. It shows late payments however the information is inconsistently reporting across the three bureaus. Specifically the dates of XXXX, XXXX, XXXX, and XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. I spoke with the company and all three bureaus as well most recently as of XX/XX/XXXX.
Consumer complaint received 2020-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

Jefferson Capital Systems Debt Collecting Agency is refusing to validate alleged debts that I owe and can not provide sufficient evidence to me that I owe the debt but keeps falsely reporting the debt as valid on my credit report. They call multiple times a day and when I demand validation they talk in circles around me. I disputed the debt at each credit bureaus and each dispute comes back verified. XXXX provides a copy of the investigation and they Jefferson Capital Systems provided fees to XXXX and nothing more as their way of validating the debt. This is not sufficient evidence and they have damaged my credit for a long time and I want this off my credit report immediately.
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC (AK)

Dear Sir or Madam ; We have been making extra payments on our mortgage for over a year. In that time the mortgage Company " sometimes '' applies the extra payment when received. Other times it takes over a month or in one particular instance 4 months. I have contacted them and was told they would apply them correctly and reprocess, these were just empty words. 

I am tired of being placed on hold, not having my emails returned. XXXX XXXX formerly Merrimack Mortgage is the worst Company I have ever had to deal with. We were going to refinance just because of the " shotty '' accounting practices. 

Now I feel so strongly that if this is happening to us how many other customers are they holding there monies and possibly making interest off of? 

Regards, XXXX XXXX
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TN)

I have Chrysler Capital for my financing, when I had mentioned in XXXX financial hardship due to covid they offered to defer my payments. Which I was happy since its {$800.00} a month. This was about 2 weeks before XXXX and it was fighting tooth and nail to have this done. They agreed for XX/XX/XXXX for me to resume full payments as long as i paid {$200.00} by XXXX. Which I was a week late. however I went to check my credit and noticed not only did my original loan amount change from $ XXXX and some change but it significantly increased to over $ XXXX of " original loan amount '' which is fully incorrect. I then dug a bit deeper and noticed they also took my robbery of 15 % interest to 17.2 % and neglected to verbally even tell me either was changing. So by me having this deferred during these hard times they went ahead and found a way to extort me out of more money. This is my only high bill I have, I have good credit actually in the XXXX the entire time and they decided to try and extort me. I really would love and appreciate this to be fixed and for all buyers to beware of how crooked CHRYSLER CAPITAL is.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (OH)

Ive been trying to contact Santander about unauthorized activity on my debit card but I cant get through. Im XXXX XXXX so I have to go through special means to contact people. Anyway, because I couldnt get through to file a dispute Ill do it here. 

I discovered my debit card missing today and I see some unauthorized transactions on the account. They are ... 

XXXX for {$17.00} on XX/XX/2018 Cash Withdrawal for {$800.00} on XX/XX/2018 Cash Withdrawal for {$180.00} on XX/XX/2018 There are also a couple of ATM fees. 

Please open a dispute for me and send me a new card.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Ive submitted my police reports my fraud affidavits all the proof needed and the credit agencies keep coming back saying the information has been validated and thats impossible because I did not authorize any such transaction some one has taken and assumed my identity and its nothing i can do so Ive come to cfpb to get some help removing these forclosure and tax leins that dont belong to me according to 609A these items should be blocked from my credit report
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive submitted my police reports my fraud affidavits all the proof needed and the credit agencies keep coming back saying the information has been validated and thats impossible because I did not authorize any such transaction some one has taken and assumed my identity and its nothing i can do so Ive come to cfpb to get some help removing these forclosure and tax leins that dont belong to me according to 609A these items should be blocked from my credit report
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened a business checking & money market savings account at a U.S. Bank branch in XXXX XXXX, CA onXX/XX/2019 with an advertised promotion for {$400.00}. The terms stated that I must deposit {$5000.00} within 30 days of account opening and that the {$400.00} bonus would be deposited into my account within 45 days of this event. I deposited the {$5000.00} minimum on XX/XX/19. The 45 days would be XX/XX/19 and the deposit still had not been credited to my account. I called the branch and they assured me that I had met the terms and the deposit would by seen in my account the following week. After waiting a week, I did not see any activity, so I called again, and they assured me it would then be credited the following week. Finally, I went into the branch where I opened the accounts on XX/XX/19 and sat with a banker to explain the situation. They said it looks like I met the terms, but it could take another 8 weeks to look into it. It seems they are giving me the run around, and do not plan on following their own terms.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received a letter in the mail saying my address had been changed. I have never contacted CapitalOne to change my address. The new address listed is not correct. I have had the same address since I became an XXXX XXXX customer *18* years ago.
Consumer complaint received 2018-04-02
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 (IN)

Capital One -XX/XX/XXXX {$400.00} PAID IN FULL, yet credit report shows " Account charged off {$400.00} written off ''.

Capital One - XX/XX/XXXX, {$350.00} PAID IN FULL. Credit report shows " Account charged off, {$500.00} written off '', which is completely false! The account was paid and {$500.00} was not the balance and was NOT written off!

Kohls/Capone - XX/XX/XXXX, {$450.00} PAID IN FULL. Credit report shows " Paid, Closed, {$450.00} written off '' XXXX XXXX - XX/XX/XXXX, {$160.00} PAID IN FULL. Credit report shows " Collection account. {$160.00} past due ''
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WV)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-01-28
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: Prosper Marketplace, Inc. (CA)

Earlier this XXXX I tried logging into my prosper card account account via website. I saw an alert that said I had restricted access. I called their support line and was told by a rep my account was past due XXXX I was shocked, and shared I had no idea and why was my auto pay shut off. He looked and said he didn't know why, I inquired when was the last debit, and what account was on file? The account number wasn't mine. I asked when was auto pay shut off ( since I had it from the inception of the card ), who requested it and how? Again unable to provide answers. I then asked why have I received no notices. None whatsoever, not standard mail, email, text NOTHING. He said, " because I was paperless billing, they were not allowed to contact me. '' That doesn't even sound right as a principle from a business loaning money and trying to get someone to remit owed money. I said I would make a payment over the phone if they would reverse their credit bureau reporting, I was put on hold, and when the rep came back he said his XXXX approved the agreement due to the aforementioned reasons and gave me a confirmation # Reference ID # : XXXX The next day I received an EMAIL trying to cover their tracks saying they are " informing '' me of payments returned from an unpaid account .... 
I thought they couldn't and HAD NOT sent any emails because I was on auto pay paperless billing? Awful being lied to. This is their fault, whose account have they been taking auto pay out of all this time for my credit payments? Who stopped that auto pay from wrong account? There is no history of ANY changes being made by me or anyone else. No changes visible in their account history screen since inception of card nor received an email of any requests being made verified or finalized by me. I have enclosed screenshots showing the account they had versus my account that I have had for XXXX. They didn't even remove the wrong account from my profile. I deleted before preparing this correspondence ( XX/XX/2023 ) because of outrage at their negligence. Clearly no investigation was done at all.
Consumer complaint received 2021-08-09
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: Atlanticus Services Corporation (VA)

I recently discovered that Fortiva XXXX is reporting a charged off credit card on my credit report. I never applied for a credit card with this company and never received any communications from this company. I was a victim of identify theft in XX/XX/2020, when I moved from XXXX XXXX to XXXX XXXX. Please remove all delinquent reporting and delete the trade line from all credit bureaus. I am in process of buying a home and this showed on my credit report and is impacting the process. Please remove ASAP.
Consumer complaint received 2020-09-17
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NY)

I have a loan with NAVIENT, I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and NAVIENT with no successful resolution. XXXX and XXXX are only reporting me late. There was definitely an error on their part.
Consumer complaint received 2018-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (FL)

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : FIRST FEDERAL CREDIT Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FIRST FEDERAL CREDIT I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-09
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX US SM BUS ADMIN ODA Date of Inquiry XX/XX/XXXX
Consumer complaint received 2020-05-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

I got a call today on XXXX XXXX and the collector from Robert sugar law offices in XXXX Ohio called me in regards to a debt I/O for a student loan she wasnt very rude in tone but she did threaten legal action against me because I was unable to tell her a amount and date on which I was able to pay due to begin quarantined from my job from the COVID-19. yes I was getting paid at the time but had to spend most of my resources and some of my 401k  trying to get everything clean in my home and trying to make sure me nor my elderly grandfather in the home caught the virus. I am in a very stressful position since working at home due to the extra bills didnt have before. I am Im very behind and I am unable to pay that bill at this time and with the legal action getting thrown against me during this hard time it definitely set me off and I really dont wan na work with a company again due to my ignorance of the law. I dont want anything to be brought up against me in court in regards to this matter because I didnt go to law school so I dont really know the legal terms in the legal fall through.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have disputed this information for 4 months now regarding the 2 bankruptcy on my credit file. I have asked the bureaus for proof showing the bk were mine and no reply .. all they sent was a remot back with them on it. They cant verify bankruptcy with a court house or a third party and never gave the information i requested. Who they verified with and did they verify the whole ssn number? they didnt This has ruined my credit