davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PLANET HOME LENDING, LLC (CA)

I would like to file a complaint about my current FHA approve lender, planet home lending,. AT THE BEGINING, I contacted planet home lending regarding this issue and they agreed it was wrong and stated that this is not something they do and they were going to look in to it and will resolve the issue, they have not get back to me and this is the only issue preventing me from closing my loan with XXXX XXXX funding. 
This is what happened, I initiated a refinance loan with Planet Home lending. iT WAS SUPPOSED TO BE AT THE BEGINNING AN STREAM LINE 30 YEAR NO PAPERWORK XXXX. they got back to me and said it was not possiblebecause interest rates were change. then they call me and said that a 15 year streamline was possible at XXXX no paperwork streamline.they repeated, They offered a stream line re-finance, they said there was no docs required, then they came back and and stated that I should take other programs like a XXXX loan at XXXX. Why would I do that if I have a XXXX loan at XXXX. They continue to call me to offer the multiple and the same deal. they call me to solicit my loan multiple times. they providedme documentation that I am attaching of a 15 year stream line. Later they said that they were iss informed that a 15 year streamline was not ever possible. The they offered other deals. At this point, I became worried about the way they did business and decided to contact a company that made me more comfortable. I called XXXX XXXX funding. Plane Home lending continues to call, I stated I already contacted a new loan company. I believe Planet home lending wrote derogatory remarks at the XXXX portal for the purpose of me having to call them and go with their offer or another of their offers. I called ultiple times and recorded most of the conversation over the phone. Every time theyover the period of 14 days they said that someone will call me back with in 30 min, that the manger was on a meeting, that the manger had left home and today after 14 days they sent me a letter form their attorney that they did not wrong and they declimke my loan because of execive delinquencies and insuficient income. wich is alie and they do this to cover their mistake/The only holding my loan is the derogatory marks Planet Home Lending placed at the XXXX portal. I would like to file a complaint of Crest line funding fraudulent loan practices.
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

I recently moved from XXXX to XXXX. We sold our property in XXXX with the intention of buying a new home in XXXX. Due to complications, the property sold after we left XXXX and they funds were settled into our Chase account. We are now trying to withdraw those funds and Chase says the only way to grant us access is by visiting a branch, which is clearly not possible given that they don't have branches in XXXX. We informed the bank that we were leaving the country beforehand and they did not flag that it would be an issue to access the $ XXXX in our account. 

We're now in a situation where we can not buy a new home and are limited to making small withdrawals every few days. For these transfers we are getting charged fees. If we do try to initiate wires or ACH transfers of $ XXXX ( our current daily limit ), our account is immediately locked and the transfer is cancelled. To authorize the transfer, we need to call Chase. Due to their current limited operating hours, these calls have to happen around midnight XXXX Eastern Standard Time. The agents that we speak to say that they annotate our account so that it won't be blocked again. Despite this, it repeatedly gets blocked. 

It is now midnight in XXXX, and I've been on the phone with Chase for 50 minutes. I am currently on hold after being transferred to the fourth person. Each person assures me that they can help with the situation, yet they all provide conflicting information. For example, I am trying to get a clear answer as to what my daily / monthly transfer limits are, so that I can estimate how many transfers will be required to withdraw all of our funds from Chase. No one has been able to tell me this. I was told that the daily limit is $ XXXX by the first person that I spoke with. The third person said it was $ XXXX. Neither of these are correct, as I have been able to complete $ XXXX transfers initiated on the chase.com website.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX XXXX XXXX, account ; XXXX, this account is not mine. 
2. XXXX XXXX, XXXX, account ; XXXX, this account is not mine. 
3. XXXX XXXX, account ; XXXX, this account is not mine.
Consumer complaint received 2015-05-12
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: AMERICAN EXPRESS COMPANY (CA)

Ok there was a charge on my American Express card which was unauthorized XXXX I made the dispute threw my bank and they did not handle it properly they said that the merchant contact them saying that they had already paid me in a form of check I never received any check plus I thought that the money had to be put back into the card oh another the check is not even under the account holder {$4800.00}
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

Experian continues to refuse me online access to my annual credit report. For the third consecutive year they have denied my request. My most recent attempt was on XXXX/XXXX/16. I have attached a pdf copy of the refusal.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (GA)

I received a credit alert from the credit bureaus that I have XXXX different loans in collections. I contacted the number listed in the info and it was a collection agency stating I took out XXXX different loans in XX/XX/2019. I dont understand how someone could get approved for XXXX loans, 5 days in a row. I asked if they could verify the account information the money was deposited to and they couldnt. I informed them I live in Georgia and this loan company doesnt offer loans in my state. I have no information regarding these loans. Ive never received any documentation or phone calls from the loan company nor collection agency. They told me to file a police report to dispute the issue.
Consumer complaint received 2017-10-09
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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (VA)

Complaint XXXX XXXX XXXX and Bridgecrest are making false claims, they 're giving false information. 
First of all, in the past 16 months, I have called and spoke with XXXX directly and they have never mentioned to me anything about my account having a fraud dispute and is being blocked, never not one, that 's false information given by XXXX XXXX and Bridgecrest, I just received a copy of my credit report from XXXX a XXXX 2017. " XXXX XXXX and other phone representatives of Bridgecrest admitted over our phone conversation that that they never called XXXX because there 's a block on my XXXX account, that 's the primary reason they ca n't report my financial data history. Well answer this question, if Bridgecrest never reported my information to XXXX because of a blocked file do to a fraud dispute, how did Bridgecrest get on my XXXX credit report, not only that, why would the XXXX phone representative mention to me that Bridgecrest just called this month ( XXXX XXXX to update my file. I spell a rat. Second, XXXX and XXXX never advise me to need to contact the credit bureaus directly and request to speak with a member of their management to resolve the split credit file, if that was true, the times that called XXXX and XXXX in last 16 months, they would have mentioned to me about a split credit file. I have gotten two credit reports from both XXXX and XXXX, disputed inaccurate information on my credit report with XXXX with CFPB XXXX Consumer Financial Protection Bureau XXXX " check your computer system, it 's there '' they have never told me anything about a split credit file. Do n't you think the times that I called XXXX and XXXX that a phone representative would have recognized that I had a split credit file and put a manager on the phone to fix the problem by now. Think about it? One of the phone representative from XXXX told me over the phone that she do n't know what a spit is and that she never heard of such a thing. 
XXXX XXXX XXXX has been in a irrevocable trust " XXXX XXXX XXXX, TIN # XXXX '', a pure common law trust, a unincorporated business trust since XXXX XXXX, XXXX, the day XXXX entered into there Interest Retail Installment contract.
Consumer complaint received 2020-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2016-09-27
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Westlake Services, LLC (CA)

Had a title loan, paid off the interest and trying to pay on the principle as agreed. After the first payment on the principle, they decided to change the rules and make me pa the principle off in whole- liars!!! Can not get in touch with anyone at this point nd they said the car is in repossession mode-
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

Equifax has reported XXXX account as opened XXXX That the date of first delinquency is XXXX That as of XXXX a balance of {$340.00} is charged off. 
This reporting is incorrect, inaccurate and not correct under the Fair Credit Reporting Act. 

Dispute is as follows : 1 ) XXXX has refused to validate the debt with a signed contract or application. 
They are concerned that if the account is not mine. They would have disclosed private credit files without permission of proper XXXX XXXX. 
There are at least XXXX XXXX or XXXX or XXXX or XXXX XXXX living on the XXXX XXXX of United States. 

2 ) Equifax reports the account opened XXXX but if you look at the statement from XXXX ( copy attached to this complaint ) The opening date is XXXX 3 ) Equifax reports the XXXX delinquency as XXXX but if you look at the statement from Southern Maryland Electric Coop ( copy attached to this complaint ) The date of first delinquency is XXXX. 
Furthermore, the account was late from XXXX to XXXX each and every month incurring a late charge. But Equifax has failed to report any of the late payments accurately. 

By deleting the early late payments, Equifax and XXXX could continue to report at the credit bureau past the 7 year statute of limitations from first delinquency date. As commanded in the Fair Credit Reporting Act. Called inaccurate reporting and Re-aging.
Consumer complaint received 2024-01-25
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. (WA)

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

15 U.S.C 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 2022-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (KY)

On the XXXX of XX/XX/2022 I deposited my check thru mobile phone deposit. Received an email same day later on saying I didn't have enough info. Provided info they requested and redeposited. A little later they canceled my deposit without my authorization. So I then redeposited and they said I wouldn't receive my money until the XXXX of XXXX XXXX  days after the fact. Argued with them for days trying to get my money because I have rent and kids to feed and bills and they held my money like that. Anyways was fighting a loosing battle kept getting the run around and borrowed some money from family to feed my boys waiting on my money in the XXXX the XXXX they closed my account for no reason
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (IA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (NY)

Around XX/XX/2015, I called American Vacation to book a vacation Package. After I gave them my information, they called me back within 5 minutes, saying they can not charge to my credit card, advice me to call customer service for my credit card company. At that point my instinct told me these people are desperate, I should not do this. 
So I called credit card company to thanks him for looking out for me. told him I change my mind about this transaction, please do not let them charge me {$400.00} to my card. I called back American Vacation and told them I change my mind about this purchase. They said no problem. 
A couple of day later, I saw a charge on my activity list on the credit card web site. I called the credit card company again and asking why you guys let this charge go through.They charge with different name or their sister company but the the same amount of {$400.00} that I called you to put a block on. But he said I could dispute that and we could resolve it later. 

Later, I talked to customer service specialist on the phone a few times. He send me some copy from XXXX XXXX claiming that I did sign an agreement electronically. that was a lie. I did n't sign anything. On that paper, they had my last name wrong. they even sign my name wrong. I wrote to the customer service XXXX that handle my case. He said sorry he decided that it is all valid. I disputed again another customer service specialist looked over again and she agree with the first one. 
I later found out that that travel company is form out side of United State. I could n't even find it on internet. They must do this kind of stuff all the time. BUT the credit card company is support to protect their customer. '' My credit card not yet been charge. I called to block it. They still let it go through. '' And later on even with wrong name and wrong signature, they still decided it was valid. I pay {$95.00} a year for this credit card service for what? So they could XXXX me? I paid the balance and now I closed the account but I still want this issue to be resolve. 
I have some more document that I could summit. They are in paper copy. I could mail or fax it to you.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

After previous disputes I was able to get   XXXX   XXXX   and  XXXX   XXXX  off my credit report from Equifax but without giving me any notice Equifax put the collections back on my credit report   XXXX   XXXX   has n't reported since  XXXX    XXXX   they were removed  XXXX    XXXX  .  XXXX  was removed in  XXXX    XXXX  .
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

I 've had a chase credit card since 2010. I 've made timely payments, in full for years. I started a new company, and my credit card balance went up to {$28000.00}. I went over 60 days on missed payments. My APR went from 15 % to 27 %. My monthly minimum is {$980.00}, which I have now made 8 consecutive, on-time payments. {$700.00} is going towards interest, $ XXXX is going towards principal. I CAN NOT reduce this bill, or get to my maximum credit limit of {$26000.00}. Chase will not remove my penalty APR. i 've called every month, and they continuously tell me they will not, nor will they ever remove the penalty APR. I 've paid {$5000.00} in interest this year alone. This is a heavy burden. By going back to my normal APR of 15 %, will drastically help me reduce my balance. At this rate it will take years to pay this credit card off.
Consumer complaint received 2022-09-06
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: JPMORGAN CHASE & CO. (NY)

Im accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (OK)

We have lived in our home for 17 years. We've had financial problems in the past, and did a few modifications over the years. Nothing was done about lowering our 9.125 % interest rate, until XX/XX/XXXX. It was lowered to 8.125 %. That made our Mortgage Payments go up by {$100.00} dollars, and stretched our loan to 51 years! We were waiting for my wife to be approved for XXXX, and she was approved in XX/XX/XXXX. Which will allow us to make our mortgage payments. We have a XXXX XXXX RESPA Loan, and we've had several mortgage servicing companies. The latest being DITECH. They have only hurt us when asking for lower interest rate, and adding our past due to the end of our mortgage. We needed help, not hurting us by, NOT lowering our interest rate. And adding large sums of money to the end of our mortgage.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (IL)

I made an electronic payment to Chase Cardmember Service on XX/XX/2016 for a credit card payment due on XX/XX/2016. My bank transmitted the payment to Chase electronically at XXXX XXXX on XX/XX/2016 ( a business day ) and debited my account on that same date at that time. Chase posted the payment five days later on XX/XX/2016 and then charged me a {$39.00} late fee. Chase 's posting practice is patently illegal, fraudulent, and designed solely to generate fees.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

A company called Transworld Systems Inc. sent me a letter in the mail claiming I owe {$560.00} to the OKLAHOMA TAX COMMISSION. 
I looked up this company and everything that comes up about them looks like they are a scam.
Consumer complaint received 2024-01-25
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. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2018-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

When finally getting around to reconciling my bank accounts, I realized that that on XX/XX/XXXX I had an ACH transaction initiated from my XXXX   Checking Account for the amount of {$4500.00} to my Capital One 360 Checking Account with the Trace number of XXXX. Investigations were conducted by both sides to arrive at the conclusion that XXXX shows the money being sent, but Capital One 360 does not acknowledge receiving it.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX is not removing the Auto Loan Account which is 9 years and 3 months old. The vehicle was repossessed XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is XX/XX/XXXX 
I have disputed this account with all XXXX credit bureaus and the XXXX XXXX XXXX XXXX but they are refusing to delete this account.Please ask Equifax to delete this account ASAP.My cell phone number is XXXX.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX I purchased the counterfeit item through XXXX where the seller was based in Texas, USA. I received my package from XXXX and the seller is located in XXXX. I paid $ {$730.00} to XXXX. XXXX and XXXX did not approve my complaint - instead they took money from me and will eventually pay to counterfeiters in XXXX. Both entities support Counterfeits in XXXX. Here is info on XXXX : Funds will be available to your recipient on or before : XXXX XXXX, 2016 The payment will be credited to the recipient 's XXXX account. The recipient will be able to access the funds according to the terms of their XXXX User agreement. This should not impact the shipping date or any agreement you have with the seller.