davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JTM Capital Management, LLC (MS)

I accounts reporting accounts as open after there closed also reporting accounts that has no balance and very old but reported open reporting old accounts that was sold but I have no written agreement with whoever it was sold to and no Information on who it was sold too reporting accounts that are too old to be still active on my report
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES, AMOUNTS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT!! TO INCLUDE REQUIRED THE METRO2 SYSTEM!
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I recently discovered I had a rewards check mailed out to me which I did not receive. I was not even aware that one was sent and so was not on the look out for it. This is the Costco Anywhere visa. My account shows I earned the rewards and if they sent me a certificate I am requesting a copy of the certificate as Costco has offered to honor that if I can show even a copy of it. I am unable to get CitiBank to render a copy or even one I can print out. I earned the reward so I need to be enabled to get it. Please help. I am not even asking them for a new certificate but a mere copy of the lost one. Can you help? Or, if it was returned, then the original certificate. I will accept a fair exchange in the amount of {$100.00}.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

My wife and I had open our XXXX chase card XX/XX/XXXX, After they recently changes the free annual night has left off a gap from customer that would of never received an uncap night due to your recent change. It is greatly disappointing and unfair that a small pocket of loyal customer that will never get an uncap night since their rule exception for XXXX - XX/XX/XXXX customers. It should be extended to include any applicant from XX/XX/XXXX to XX/XX/XXXX to cover that small group that original applied to the card expecting a uncap night per the terms. 

This was the exact terms - After your account anniversary date, youll receive an Anniversary Free Night at any of the over XXXX XXXX hotels worldwide.1 Footnote There are no blackout dates and no restrictions. Look for your free night on your XXXX XXXX XXXX account. 

https : //www.chase.com/XXXX
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 — Was not notified of investigation status or results
Company: BANK OF THE WEST (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX BANK OF THE WEST CHECKING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Re : Account Number XXXX
Consumer complaint received 2018-09-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HALLMARK HOME MORTGAGE LLC (IN)

A formal contract was signed with a client to build a home, the client received pre approval for mortgage XX/XX/18. Builder began to work with client and loan orginator, providing details on home, completing the builder package and providing financial information. All submitted and confirmed receipt XX/XX/2018. Email from Banker confirmed package sent to Builder approval department XX/XX/18. At this point client and Builder began construction with periodic check points with orginator, conversations indicated, First draw would be available as of XX/XX/XXXX. Builder contacted Banker/Mortage Broker to get update and proceed with first construction draw and was told by banker no construction loan has been submitted or funds available. Building was started XX/XX/18 to comply with contract to complete home end of XXXX. Outstanding balance exceeds XXXX client nor Builder have funds to continue construction.Banker advised client to have Builder complete the home since it would close in 45 days and can then execute the mortgage.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

Ocwen Loan Svc took over my mortgageXX/XX/XXXXXXXX  Constant missing info on statements, late on paying my homeowners Ins to point I have to monitor it gets paid. They will send letters saying they have to buy supplemental Ins because not covered appropriately when insurance covers 125 % replacement. Every year. BUT MY REAL ISSUE IS XXXX DROPPED MY CREDIT REPORTING FROM LOAN ORIG IN XXXX and OCWEN REFUSES TO REPORT MY STATUS, LENGTH OF EST LOAN BALANCE, PERFECT PAYMENT HISTORY etc. Since they do not comply with reporting, It appears I only have 2.5 years of credit and I 've owned multi mortgages & middle aged. Currently Ocwen has demanded I PROVE THEY ARENT REPORTING. I did, I sent copies of yearly reports, faxed, mailed, called Research Department as instructed and told they are reporting. Gone on over 2 years. Please help me. At the end of my loan modification, my " Relationship MGR '' XXXX, promised me she would handle lack of reporting. I followed up with Research Dept requirements in addition because of poor history of honest response or actions promised. NOTHING. They pay my mortgage Ins late & my premiums go up, they do n't report perfect payment history which I have proof of all payments sent return receipt, signature required.
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I did n't have a XXXX account and nor have I done any business with DIVERSIFIED CONSULTANTS INC. 

i tried resolving the issue with all 3 credit bureaus on X/XX/17. Also, I sent the company a letter on X/XX/17 asking for a legal contract and there was no supported documentation to verify I signed for a contract agreement. Only a print out of a last statement of a bill was provided.
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Franklin Collection Service, Inc. (AL)

I have no knowledge of the medical bills thats reported on my credit account! Ive had medical insurance for years so I dont understand where these bills are coming from. I tried to fix the problem but they told me to just file a claim with you all to have them removed.
Consumer complaint received 2018-04-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am the victim of identity theft. I followed the procedure of using your FTC affidavit and obtained a report from the police department and Equifax and XXXX are not following the law ( 15 USC ) regarding identity theft. I am former XXXX ( just not practicing ) and am aware of my rights. 
There are erroneous things on my report. I have never had any involvement with any bankruptcy and have submitted the police reports to XXXX, Equifax and XXXX XXXX, who was the only C.R.A to comply.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

Chase bank locked my accounts. I can not log in or access any of my accounts. This started because a friend of mine sent me money using Chase XXXX  XXXX ( about {$1200.00} ). My friend sent the money from her Chase account, to mine, and yet they locked my account because they could not verify her. She is currently on XXXX leave in XXXX and will not be back to the US for months. Chase told me they will not unlock my account until she comes to America to verify her account with them! I asked, how can you lock my account because of an issue with someone else 's account?! They could not provide any reason or explanation to me. This is a big problem for me since Chase has my checking account and money that pays for my bills and credit cards, and I can not access any of my funds or accounts for two days now. Chase also has control of my XXXX XXXX XXXX XXXX credit card.
Consumer complaint received 2017-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (TX)

XXXX XXXX, XXXX I received a letter regarding my loan that was not easy to understand. 
The due date has two dates spanning from XXXX to XXXX. This is confusing. It is not clear what a 'Level ' Schedule type is. There are two installment amounts. Why? It is not specified what an 'Anticipated cap ' is. 

The lexicon of this letter is not easily understood by consumers. It seems it is purposefully vague and when speaking with the company I was told it has no intentions of changing the letter format. I am concerned that the future important correspondence with the company will be poorly outlined.
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

The website to access accounts serviced by SLS has not been working properly. When customers try to log-in, it 's nearly impossible to access one 's account. This is dangerous, especially for customers who have opted to receive periodic statements and other documentation electronically. This has been a persistent problem for months now. Their website does not work even if you tried using XXXX XXXX, XXXX or XXXX.
Consumer complaint received 2022-08-07
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. (GA)

I have recently looked over my credit report and realized some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Closing Bank info/relationship : XXXX XXXX  CREDIT CARD openedXX/XX/XXXX limit {$27000.00} BUSINESS INK CARD opened XX/XX/XXXX limit {$15000.00} paid in full and closed it reopened XX/XX/XXXX limit {$20000.00} PERSONAL CHECKING opened XX/XX/XXXX PERSONAL SAVINGS opened XX/XX/XXXX BUSINESS CHECKING opened XX/XX/XXXX BUSINESS SAVINGS openedXX/XX/XXXX All in good standings Shutdown all accounts was told they were terminating relationship and closing all accounts no further explaination available Tried calling customer service and given another number to call. Called that number and was told company policy is no reason needed to be given. Asked if can speak to someone to help and keep accounts opened was told could not. XXXX  SCORE Personal Info : XXXX : 750 # of credit lines opened in last 12 months across all banks / total credit lines : 3 Overall utilization across all credit cards as currently reported to the credit bureau : 10 % Total Percentage of CL to Income at the bank that shut you down : 18 % { Optional } Total debt ( student loans, mortgage, personal loans, etc. ) :11k MS Activity : 0 List all methods of MS used : None List volume of MS in the last 30 / 90 / 180 days : None Do you cycle your credit limits? No Have you deposited money orders into a bank account that you have with the bank who shut you down : No How do you usually pay your credit card bill? Online banking Have you changed the method by which you do so recently? No Ratio or percentage of MS compared to organic : 5 % Spending Behavior / 'Consumer Profile ' : How much organic spend were you putting on cards issued by the bank who shut you down?

I dont even know what that means but I just shop normally and only use my credit cards as needed or big purchases.

Have you ever sold the bank 's points to someone else? No Have you filed multiple chargebacks with the bank in the past 12 months? No Has this bank ever taken adverse action against you before? No Has any other bank? No Have you in recent history significantly increased or decreased either the level of your organic spend or MS ? No Do you have any new derogatory marks on your credit report? No Are you sure? Yes Have you checked since you were shut down? Yes
Consumer complaint received 2017-09-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Andover Auto Sales, Inc. D.B.A. Broadway Auto Mall (KY)

On XXXX XXXX, 2017 the repo man tried to get my car. My payments are current. My contracted payment is {$170.00} every two weeks. I pay {$200.00} every two weeks to pay a little extra. Broadway Auto Mall in XXXX, KY told me if I want to keep my car I was going to have to start paying {$250.00} every two weeks because I 'm XXXX behind but no one can explain this. I ca n't afford {$250.00} every two weeks. I bought my car with a payment reasonable for me. I do n't know what to do and I need my car for my job. I was sick the weekend my payment was due. It was just due on XXXX XXXX, 2017! They 're trying to repossess my car for a couple days late.
Consumer complaint received 2017-11-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Foreman Financial Inc. (CA)

I originally purchased a car financed by XXXX XXXX XXXX. I had filed a BK XXXX and it was dismissed because I could n't complete payment plan established due to I was injured on the job. I was making on time payment up until the injury at work. After the BK was dismissed XXXX XXXX had the car towed by a tow company with a suspended license then repossessed the car. I was never informed about what happened to the car. I received notification that the debt was XXXX. I filed another complaint indicating that XXXX XXXX was still reporting the debt as missed payments when it was charged off. After reporting this to you FTC, they contacted me to explain why the amount went from {$7000.00} when it was in bk then it went to {$9000.00}. They reported it as {$12000.00} just recently and now have taken the account out of charged off status then added additional fees totaling $ XXXX. I asked XXXX how did it go from {$7000.00} to {$12000.00} and they tacked on additional fees and interest. After taking it out of charged off status they have sent to a collection agency only after my complaint and tacked on more money claiming additional interest. I purchased the car for {$9900.00} I put down {$2500.00} and made payments up until my injury. They added on additional which they stated for finance fees, I never signed a document for {$15000.00} because I never qualified for that amount. They stated that I qualified for the car at {$9900.00} but they added additional finance fees. They are becoming threatening. They denied reporting the account for missed payments but I still receive alerts for missed payments and have been for several months now. They are aware of my situation, they sold the car, I agreed to the repossession and the charge off per my attorney through BK. I feel that they are retaliating against me because I reported to you about their fraudulent reporting of missed payments for this account. I do not owe {$17000.00} for a {$9000.00} car that I no longer have. They never contacted me about payment arrangements after bk, they just picked up the car. I 'm a single mother paying high end rent and its not cheap. They are threatening my income. This debt statue of limitations runs out next year.
Consumer complaint received 2023-01-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

IN THIS COMPLAINT YOU WILL FIND DISPUTES THAT WAS MAIL TO AND RECEIVED BY TRANSUNION ON XXXX. INSTEAD OF TU INITIATING AN INVESTIGATION THEY REPLIED TO ME VIA MAIL WITH THE LETTER ATTACHED STATING THEY THAT THEY DID NOT INITIATE INVESTIGATION. ACCORDING TO THEIR LETTER THEIR REASON WAS THEY DID NOT BELIEVE IT WAS ME. THIS IS AFTER MY DISPUTES CLEARLY IDENTIFIED WHO I WAS ALONG WITH MY VERIFICATION DOCUMENTS. SO THERE IS A CLEAR WILLFUL NON COMPLIANCE IN REGARDS TO 15 USC 1681i. I CALLED AFTER SEEING THEIR RESPONSE LETTER IMMEDIATELY AND WAS TOLD VERBALLY OVER THE PHONE THE DISPUTES WERE NOT STARTED BECAUSE THEY DID NOT KNOW IF I PERSONALLY INITIATED IT. I INFORMED THEM I HANDLE MY OWN DISPUTES AND THAT THEY WERE VIOLATING MY RIGHTS AS A CONSUMER. I INFORMED THEM THAT I WILL BE SENDING IN THE SAME PREVIOUSLY DIS REGARDED DISPUTES AND THERE IS AND SHOULD BE NO QUESTION ON WHO'S SENDING THEM IN GOING FORWARD. TO BE SURE THEY COMPLY I INITIATING THIS DISPUTE COMPLAINT WITH CFPB AS I MOVE FORWARD WITH MY LEGAL PROCESS TO HOLD TRANSUNION ACCOUNTABLE. 
NOW I AM RESUBMITTING MY DISPUTES THROUGH MY PERSONAL CFPB PORTAL SO THERE WILL BE NO QUESTION ON AND ABOUT MY IDENTITY, EVEN THOUGH I CLEARLY VERIFIED MYSELF WITH MY DOCS WHE I MAILED IN DISPUTES THE FIRST TIME
Consumer complaint received 2021-03-26
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)

all not mine fCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$5600.00} written off. {$6600.00} past due as of XX/XX/XXXX. 
Status Updated XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$260.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$600.00} Highest Balance {$740.00} Terms NA Payment History
Consumer complaint received 2023-01-30
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS