davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (LA)

My house was flooded during the recent Louisiana floods. I was not required to carry flood insurance but I did so anyway. I received a check from my insurance for $ XXXX, but was told by Chase insurance I would have to provide a contractor 's license before they would release any of the funds. I work for the largest home builder in the state and am very aware of the laws. In the state of Louisiana anyone can build there own house as long as they do not exceed one house a year. I told this to them numerous times and provided documentation. After weeks of battling over this, they agreed and cut me my initial $ XXXX check. Approximately a week later I receive a denial letter, when I call to check on it I am told that I would need to register as a home improvement specialist in order to receive the remainder of my funds because the work is over {$7500.00}. I called the state licensing board who said the documents were read incorrectly by Chase and that the {$7500.00} requirement is for people who are going to do work on other people 's homes. I called Chase once again and relayed this info and after working my way up the ladder it was resolved. As a matter of fact I was told by XXXX XXXX, a supervisor, that Chase did n't have a leg to stand on in fighting my claim. I once again thought it was resolved. A week later, today, I was told that my request to self contract was rejected and to receive final funds I would need to register with the state ( who once again claims that is false )
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (CA)

XX/XX/2023 Hello I am filing a report regarding my credit file on all 3 bureaus. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 


Name of Account | Account Number | Provide Physical Verification XXXX XXXX XXXX XXXX | XXXX | Unverified Account XXXX | XXXX | Unverified Account XXXX XXXXXXXX | XXXX | Unverified Account XXXX XXXX  | XXXX | Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You,
Consumer complaint received 2019-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (VA)

A few months ago, I was advised that the web site for managing my Suntrust mortgage account ( https : //suntrustmortgage.customercarenet.com ) was being retired in favor of suntrust.com effective XX/XX/2019. 

The " old '' site displays this message : Please enroll in Online Banking at suntrust.com to continue to manage your mortgage online. 
You will need to create a new userID and password using your mortgage account number ( if you do not have it handy, you may log in below and locate it before leaving this site ).

When I try to log onto the new site, I get error messages indicating that my records can not be matched. I am advised to contact Suntrust by phone, but have never been able to reach a human being to help me with my issues.

I am now afraid that ( 1 ) my loan servicing will be continued electronically despite the change in parameters, and that ( 2 ) I will stop receiving important information, notifications about my account, and the ability to manage my account without a lot of effort in dealing with Suntrust 's failure to manage my records and transfer them correctly to their new system. If they can not do something as simple as linking my account information so that I can open an online account as they have instructed, I have no basis for believing that they are recording or applying my payments correctly, either.
Consumer complaint received 2022-09-05
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. (FL)

Currently, Transunion refused to remove additional inquiry from credit report. On or around XX/XX/2021, I applied for a credit card with XXXX  XXXX XXXX and it was approved. However, during that process it is XXXX XXXX  inquiries on my Transunion credit report. Filed a compliant with XXXX  due two credit inquiries for one credit card application, XXXX properly investigated compliant and discovered, they only pulled credit report once and the error was on Transunion. Once again disputing inquiry with Transunion, website will not allow you to go next phase. I have supporting documentation where XXXX  states they pulled only one report. Transunion refused to remove inquiry additional inquiry from credit report.
Consumer complaint received 2015-10-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (NC)

I purchased a XXXX Ford Focus XX/XX/2007. The car was financed through Consumer Portfolio services. My interest rate is 17.95 %. I paid over four years and had to file Bankruptcy, they reported I still owed {$5200.00}. I was current on the car, when I had to file Bankruptcy, I feel they scammed me. And found out they have a case that was filed with the Federal Trade Commission, for these unfair practices and need help. My paperwork shows that they over charged XXXX on my debt and need help proceeding. Due to high interest I feel I am owed back that plus all the fees
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IL)

I phoned Quicken Loan Company in response to an extensive ad campaign that advertised HARP refinance, for which I know I am well-qualified. After three days, XXXX highly questionable sales people ( XXXX, XXXX, and XXXX ) not XXXX of them would talk to me about HARP refi. They tried very hard, with a ton of pressure, to sell me a program of their own with closing costs of $ XXXX. The technique is bait and switch, and I object to their failure to provide clear, factual information and their insistence on getting far too much personal information AND pulling a credit report before they would even discuss loans at all. They never did talk about HARP refi -- said the government charged them very high fees for those programs.
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX,2014 I received a letter from Bank of America. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

USAA Mastercard cancelled my card in late XXXX as a precaution against fraud and sent me another card. In the process those that had been on auto pay had to be contacted and given the new card number. I opted not to renew XXXX for auto payment. When XXXX called they were told their services were not wanted and to stop billing USAA Mastercard. This conversation occurred XXXX times, I do n't want your service stop billing USAA Mastercard. USAA Mastercard has been told a total of XXXX times ( XXXX on the phone and XXXX times in writing ) charges from XXXX are not authorized. USAA continues to accept billing on the account they closed. This has been happening monthly since XXXX 2014. USAA 's position is " this is an active account. '' I asked the adviser to the CEO, XXXX XXXX, 'How many times do I have to cancel before USAA Mastercard will consider the account closed? ' XXXX XXXX ' response, " you need to contact XXXX and tell them you do not want their service. '' USAA Mastercard can not answer the fundamental question of what it takes to cancel preferring to charge me interest and penalties on credit card they closed from an account I did not renew and on multiple occasions told them to stop.
Consumer complaint received 2020-10-19
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: Bridgecrest Acceptance Corporation (TX)

SOMEONE STOLE MY PERSOANL INFORMATION AND OPENED THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : XXXX XXXX OPENED : XX/XX/2013 AMT. XXXX
Consumer complaint received 2015-12-23
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (NY)

Several weeks ago I opened American Express Serve Free Reloads prepaid account XXXX with card number XXXX XXXX XXXX. Yesterday, Amex suspended my account and has been stonewalling me since. 

I had a balance of {$1600.00} in my XXXX XXXX account and wanted to withdraw it into a bank account - which is a feature of the card. Very quickly afterwards and without any warning, I received email that my account has been suspended because of violations of Member Agreement. 

Calling Amex XXXX Account Protection Services yields nothing. They claim that the decision is final and they ca n't do anything about it. They refuse to explain what happened, what I did wrong ( just point to section XXXX which is very broad and non-descriptive ), and refuse to escalate to a supervisor or say what can be done to cure the account to a good standing. It 's a complete stonewalling. 

Additionally, because the account is suspended and not closed, I ca n't reapply for a new account with Amex XXXX as any old account must be closed. 

I request that Amex XXXX either a ) re-activates my account in good standing ( I 'm willing to work with Amex to clear any misunderstanding ) or b ) closes my existing account and allows me to re-apply for a new account. 

I 'm particularly upset that Amex XXXX did n't give me any warning of account suspension, did n't give me any explanation, or a chance to resolve the issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

i have send 5 letters to equifax disputing the flowing wrong address that i never ever lives on inquires not done by me ask to remove alerts fraud they refused to remove anything, every month i receive a letter saying they are working and they send me a letter of my credit wrights, last months they send a letter saying mi ID were insufficient, when send every month with the letter of dispute a copy of my driver license and social security card to prove my identity am trying o buy a place and this company is intentionally hurting my credit..they are lazy and take pleasure on not doing their job and hurting consumers i am responsible with my credit, i demand action is taken
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (ID)

Midland XXXX al has a standard practice of not investigating disputes properly via account level documentation and Sellers often Disclaim documentation as evidenced by C.F.P.B. Consent Order XXXX. 

I disputed the below account more than once and to date am discovering ongoing reporting which I disputed and to date Midland has not properly investigated. Midland also reports my disputes as not timely, also a common fraudulent statement used by MCM. Please have them remove these inaccurate/not properly investigated accounts from all XXXX credit reporting bureaus. 
Midland Funding LLC acct # XXXX ... XXXX/XXXX/13 {$1100.00}
Consumer complaint received 2018-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

i been communicated via letter, via phone with experience, i must send 10 letter and over 10 calls, which you get a XXXX, XXXX operators, never one here in teh us, disputing errors on my credit report, letter after they do nothing, they are fraudulent, hurting my changes of getting a home. I am a responsible citizen, that works pay her taxes and bills on time, this comapny intentionally is not reacting to my claims
Consumer complaint received 2021-06-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

Mailed debt validation letter to National Credit Adjustors XX/XX/XXXX, received a response on XX/XX/XXXX that they needed 30 days to verify. As of XX/XX/XXXX I have not received any documentation on the debt being mine. I have called many times to get this debt verified and I am always transferred to voicemails.
Consumer complaint received 2016-10-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

My husband & I have been living in our home for going on four years. We have received our mortgage from XXXX XXXX in XXXX, Il. They kept our loan for about 8 months & it sold to XXXX. For the last four years our taxes have NOT been paid on time. Which has resulted in a headache and worry for myself and our family. Our name has been put in the paper for something we can not control. We have escrow & I am sick and tired of having to fight & deal with this problem every year. Our mortgage now is with PennyMac who I dealt with this situation last year. When I spoke to the representative I asked the CSR if I needed to send the tax bill to them next year to fix the problem I was told no & assured that this would not happen again. I am sickened & thoroughly annoyed with this situation. We have escrow so I do not have to worry about situations like this occurring.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

First off my mortgage lender ( Seneca mortgage servicing ) makes it extremely hard to get hold a live person to talk to over the phone ... and the web sight has multiple issues with the access to loan information or the web site in general. when talking to a loan rep on the phone the refuse to give me account info over the phone and tell to submit a request in writing this has been goin on for months is there any legal action that I can take to resolve repeated issues with this lender ... this not an isolated occurrence there is a long list of complaints on the internet and there customer reviews about there business practices.
Consumer complaint received 2024-01-26
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. (CA)

I am formally disputing the accuracy of the information on my credit report regarding XXXX, which I believe is participating in identity theft. XXXX has acquired my Social Security Number and personal details without my consent, constituting a severe violation of my privacy. 

Both Experian and XXXX are violating permissible purpose regulations by providing my credit report without obtaining written consent from me. According to Section 604 ( f ) of the Fair Credit Reporting Act ( FCRA ), users must certify a permissible purpose for obtaining a consumer report, and I request that you produce the written consent authorizing the furnishing of my credit report. 

Moreover, I am invoking Section 1681e ( b ) of the FCRA, which mandates consumer reporting agencies to maintain reasonable procedures ensuring the maximum possible accuracy of consumer information provided to third parties. XXXX has already removed this disputed information due to its inability to validate it. 

I hereby request that Experian promptly conducts a thorough reinvestigation into the accuracy of the disputed information concerning XXXX, in accordance with Section 1681i of the FCRA. I expect the results of this reinvestigation, including the current status of the disputed information, or the removal of the item, within the 30-day period stipulated by the FCRA. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Experian is posting incorrect information. XXXX XXXX XXXX filed a lawsuit, I obtained a lawyer and it was settled XX/XX/XXXX. Experian falsely is posting on my credit report I owe a balance. I have contacted them, provided a picture showing it was settled. They refuse to remove. I contacted XXXX XXXX XXXX per the court record and they said they sent official notification on XX/XX/XXXX it was settled, and was sent to ALL THREE credit reporting agencies. XXXX and XXXX are reporting correctly. I contacted Experian with this information provided by XXXX XXXX XXXX LAWYER and they said they didn't receive the legal document. XXXX XXXX sent it again XX/XX/XXXX, and Experian is still failing to report it correctly on my account. This is affecting my credit score and ability to purchase a house. They are also reporting I over XXXX, and I actually owe XXXX. They are not keeping up to date with their postings, and I think it is a conflict of interest, and a probable cause, because they are selling personal loans and credit cards on their site. This should not be allowed. Please fine them and implement policies towards this credit reporting agency. Because they are manipulating scores to sell their products. They need to be investigated, sued and compensation given to those affected by their manipulation of OUR credit scores.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (IL)

I checked my credit report and noticed inaccurate information in my Public section. I have I asked XXXX XXXX how the account was verified as accurate, They responded and said the courthouse provided the information. I contacted the courthouse to inform the of the inaccurate information. The courthouse sent a letter stating they do not report to any credit bureaus or third party site. I am not sure how this inaccurate and untrue information was added to my credit report.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NJ)

My XXXX year old mother wanted to purchase a chair lift. We found out that XXXX XXXX XXXX had one in stock. When we went to get the item we were told that the item is NOT covered by medicare. However, after contacting medicare we were told that it IS covered by medicare and that the item should be returned and that XXXX should directly bill medicare. When I notified the credit card company of this situation, they called XXXX and were told that they would not agree to the return. This is medicare guidelines, it is not up to the provider of services. They have added interest month after month and late fees. They call numerous times during the day and this is very upsetting to my mother. Please help me resolve this issue so that she may have piece of mind.
Consumer complaint received 2022-02-11
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX  and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE