davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

In XXXX of 2014 on the dates of XXXX XXXX and XXXX XXXX, 2014 XXXX payments were made to Chase bank for the mortgage on our home. The payment of XXXX/XXXX/2014 was made by the program Home keepers the payment of XXXX/XXXX/2014 was made by my wife and I. Chase made an error and charged interest for the month of XXXX in the amount of XXXX. This was XXXX the monthly amount of interest due. Repeated letters to Chase bank have gone unanswered. I feel that Chase Bank purposefully will not answer our letters and that they purposefully charged XXXX the amount of interest that was due. 
Also the NJ home keepers was a program that helped us when my wife became unemployed and the banking theft and mortgage/housing crises, which no bank managers had to pay criminally and instead paid off small fines ( not fair ). However please also review this process because Chase and NJ Home keepers would not allow us to get assistance unless if Chase bank was paid a specific amount in arrears owed. This was not fair because we were never ever late on a loan payment and had no arrears to pay off, but Chase bank got thousands of dollars to pay off arrears which did not exist. 
I feel it is only right that these XXXX issues be looked at. 
We are so upset of how Chase can act without regard to the law, and yet if an individual steals bread to feed their family they can go to prison, and Chase bank can steal and manuiplate without any regard to any consequence. 
Please look into the XXXX matters XXXX being XXXX the amount of interest charged for XXXX 2014 and how Chase collected thousands of dollars in order for us to get assistance from NJ home keepers to collect funds for an account in arrears when the account was never ever paid late or in arrears.
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: EVERBANK, NATIONAL ASSOCIATION (NM)

Electronic transfer from my XXXX XXXX XXXX savings account to my Everbank checking account, executed on XXXX/XXXX/XXXX. Everbank sent me an email later that day saying the transfer had been completed. As of today XX/XX/XXXX, they still have not made this deposit of XXXX, available to me to write a check on. Now they say funds will be available XX/XX/XXXX, 6 days after the transfer date. 

This is ridiculous and abusive. Zero reason to hold normal, small US funds that long. None, except for Everbank to skim extra interest off them. It 's unlikely this is not a serial practice, affecting many or all depositors. Here is the email correspondence below - ====== -- -- -- -- -- -- -Original Message -- -- -- -- -- -- -- - From : EverBank To : XXXX Subject : Responding to Your Inquiry Date:XX/XX/XXXX Message : Dear XXXX, Thank you for your recent inquiry. Per your request, I 'm pleased to provide you with the following information. 

All funds will be available tomorrow XXXX/XXXX/XXXX. 

We know you want access to your cash, fast. To determine how quickly your funds will be available after your specific type of deposit has been made, please read the Funds Availability information, which can be found online at everbank.com/terms. 

We look forward to serving all of your financial needs, so please get in touch if you have any additional questions or need further assistance. 


GET IN TOUCH XXXX XXXXXXXXXXXX EverBank is an Equal Housing Lender, Member FDIC ( c ) XX/XX/XXXX EverBank. All rights reserved.AP -- -- -Original Message -- -- - From : XXXXXXXXXXXX XXXXXXXXXXXX Sent : Tuesday, XXXX XXXX, XXXX XXXX To : EverBank Service Requests @ Subject : Checking/Money Market/CD Question User ID : XXXX CIS Number : XXXX Branch : XXXX Account number : XXXX Deposit posted XX/XX/XXXX for XXXX Everbank sends me an email that day, " transfer completed '' No it 's not. At close of business today XX/XX/XXXX, these funds are still not available. Why? 

Transferred between banks in USA. 

- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This electronic communication and any files transmitted with it, or attached to it, are confidential and are intended solely for the use of the individual or entity to who it is addressed and may contain information that is confidential, legally privileged, protected by privacy laws, or otherwise restricted from disclosure to anyone else. If you are not the intended recipient or the person responsible for delivering the e-mail to the intended recipient, be advised that you have received this e-mail in error, and that any use, dissemination, forwarding, printing, or copying of this e-mail is strictly prohibited. If you received this e-mail in error, please return the e-mail to the sender, delete it from your computer and destroy any printed copy of it. Although our company attempts to sweep e-mail and attachments for viruses, it does not guarantee that either are virus-free and accepts no liability for any damage sustained as a result of viruses.
Consumer complaint received 2015-04-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

Green-tree Service representative XXXX would not resolve or aid in simply getting information to change insurance and escrow information. She repeatedly would put me on hold and not transfer to supervisor when requested. I called in to change our information but she would not supply me with the information to complete my request, after being left on hold for 30 minute and then disconnected I called again and was put back through to " XXXX '' when I requested a supervisor she hung up. Called a XXXX time with the same result. Called a XXXX time and asked to NOT be transferred to XXXX, the rep was able to give me the information requested. XXXX is our " point of contact and has been abusive and repeatedly break 's agreements about contacting us.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (TX)

XX/XX/2023, I filed a dispute with Square for a fraudulent charge made with my square checking account card for {$93.00}. On XX/XX/2023, square decided to go in the merchant 's favor. 1 days is not enough time to complete a thorough investigation as required by FDIC and or Mastercard.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting rid of the item stated below to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance {$800.00}
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I disputed my judgement with Equifax on XXXX XXXX, XXXX. The other XXXX bureaus had already deleted it. This was an eviction from XXXX XXXX and the courts replied to Equifax reporting satisfied/released. 1. Equifax refused to remove it stating the courts would have to send additional forms even thou the courts responded to them directly stating it was released. ( I have the conversation recorded ) 2. Equifax then RE-AGED this judgement on my credit file to XXXX XXXX to reflect it as being recent!. ( I have the form showing my score went down due to a NEW judgement being added to my report. ) 3. They also did this to another item I disputed. I have the information showing my score dropped due to a new ( bad account ) being added to my credit profile. They closed the previous account and then " opened '' up a new account on their own. I DO NOT have a new account with this company. Equifax is maliciously causing stress to me, reporting wrong, damaging, and inaccurate information to my credit profile. My consumer rights have been violated.
Consumer complaint received 2015-11-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (CA)

I opened a checking and savings account in XXXX 2015. I received a letter from TD Bank on XXXX XXXX, 2015 stating that my checking account was overdrawn. After logging on to the account to see what had happened, I could tell that for three months ( since XXXX ) TD Bank had been charging me maintenance and overdraft fees to the tune of {$35.00} a month, causing my account to go negative and then further negative each month. All without contacting me or alerting me before charging these fees. The first notice I received was by mail with a letter dated XXXX XXXX, 2015. My savings account, opened on the same day and linked to the checking account, had hundreds of dollars in it, enough to cover any issues with the checking account. The account representatives that I spoke to tonight told me there was a minimum balance and therefore there was a charge of {$15.00} each month and once those maintenance fees were charged, they added an overdrawn fee on top of that because TD Bank had overdrawn my account. I do n't remember agreeing to this minimum balance, nor do I use this account very often, so it is not unusual that I would not have noticed the fees piling up for three months. The supervisor on duty agreed to waive two months worth of fees but would not agree to waive all of the charges. This is a fraudulent practice because once the account dips below the minimum the maintenance and overdraw fees add up quickly to force a negative balance and removing the rest of the money from your account.
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/05 Balance : {$0.00}
Consumer complaint received 2020-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

This is my third complaint regarding navient collection process. This time the problem is them calling third parties that is not involved in this matter. I am getting calls from family concern Navient calling them several times during the day. I spoke to Navient, Mrs. XXXX XXXX, on XX/XX/XXXX concerning the loan and the method they are using to not just call family but my employer. There is no reason for Navient to do this. They have my personnel email address, home address and my cell number. I told Mrs. XXXX on the phone XX/XX/XXXX that navient needs to stop the harassing calls. Mrs. XXXX never mentioned on the call that SHE is the one calling my family. I have tried to resolved this with navient but what they want is to make our lives miserable. I explained to them what I could pay and in face have done exactly what I told them. But they are still calling my family. So I am asking your help in stopping them from not just harassing me, but ALL my family. There is not need for this but to only harass people. I am planning to send a letter to the California Attorney General regarding the extreme method Navient is using. Can you please demand that they stop the harass calling to my family IMMEDIATELY.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (MI)

By 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 has violated my rights : 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

1. XXXX XXXX XXXX XXXX. XXXX XXXX Charge-offs are a cancellation of debt which become INCOME, and income is prohibited information on a consumer report. 

Furthermore, XXXX XXXX debt and any actions of collection was dismissed in the court of law and should not appear on my consumer report.
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. (TX)

Experian failed to meet requirements of 15 usc 1681b permissible purpose I have pictures of my account saying its been locked since XXXX but some how hard inquiries from companies Ive done no business with are literally sitting on my report as Im reading the security lock message, there is a private right of action for negligent or willful noncompliance with 1681s-2 ( b ) of the FCRA. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached and explain
Consumer complaint received 2015-07-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LJ Ross Associates (FL)

Phone call received stating they were collecting a debt and I had nothing from them stating what it was for and verifying it was correct. They said they would mail to me but that I owed this money. Less than a week later, they called again and I told them again I still had not received anything documenting what the debt was for. They told me it was sent a week prior and that I needed to contact my post office to see why I had not gotten the letter yet and that I needed to set up payments immediately. I told them I would not do so until I had received something from the post office and it was their responsibility to mail that documentation to me, not mine. A week after, I received another call and ignored it as I still had no documentation. A few days later, they called again and again I let it go to voicemail. A few minutes later, THEY CALLED MY WORK PHONE. This is harassment. The company has not provided documentation and now they are calling my work phone disrupting my job.
Consumer complaint received 2023-04-05
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. (SC)

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 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, has violated my rights. 

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 2023-04-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MI)

I have serval emails stating that the loan have been paid off since 2014 with Ocwen they said it was sent to XXXX but XXXX says it was sent back to Ocwen because it was paid off now both of them just been sending me back and forth with no help besides emails saying that its paid off. I was also into with XXXXXXXX XXXX saying its payed off but they never received the lien release either and I need to talk to them Ocwen and XXXX. I also have a ledger from 2014 when I was trying as well and Im just not getting anywhere.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried numerous time disputing hard inquiries with Transunion. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Transunion with no response. Some were Return To Sender. If it 's not a real company than how can they pull my report? Transunion refuses to delete them from my file.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit act, XXXX XXXX account number XXXX and XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX account # XXXX, XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX and XXXX XXXX account # XXXX has violated my rights. 


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 an account without my written instructions.
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$120.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX,
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion, XXXX and XXXX have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why Transunion especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with Transunion was XXXX and contained ( XXXX ) hard inquiry. On XXXX XXXX, 2016, for whatever reason ( s ), Transunion lowered my score by ( XXXX ) points? and added ( XXXX ) hard inquiries to my file? XXXX and XXXX did the identical thing. In XXXX, 2016, I filed a complaint against Transunion for the identical conduct and they corrected my record. Sadly, Transunion did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed multiple inquiries from  XXXX  reporting on my credit profile that I did n't authorize. I 'm also aware of Transunion system glitch and possibly resulted in unauthorized reporting of such inquiries.      XXXX  -  XXXX   XXXX ,    2017   XXXX  -  XXXX   XXXX ,  2017   XXXX  -  XXXX   XXXX ,  2017