davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

I closed on a new mortgage in XXXX. Several checks were issued from the cash out refi to pay off debts. As of today, XX/XX/XXXX, I contacted Rocket Mortgage regarding one of the check that was issued in the amount of {$2800.00} to XXXX/XXXX. I sent the payment to this company on XX/XX/XXXX. After much investigation they said it was returned from their bank as it needed to be issued to : XXXX  - XXXX XXXX XXXX, or preferably sent electronically. I contacted Rocket and spoke to many people including XXXX  via chat who stated they will not change how the check was issued. I asked them to contact the company even to verify and they will not. I said so basically Rocket will not pay me or the company correctly yet I am supposed to pay on this mortgage for funds that were not actually disbursed. I was disconnected without any further help. What am I supposed to do now??
Consumer complaint received 2021-09-08
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. (LA)

I sent a notarized affidavit on XX/XX/2021 to the credit reporting agency and still havent received a response. According the FRCA the investigation shouldve been completed in 30 days well that has expired.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

LoandDepot.com LLC withheld property taxes of {$13000.00} when closing my loans with them on XX/XX/2020. But I have paid in full my property taxes. After 30 days without refund from them, on XX/XX/2020, I started calling them numerous times to ask about the issue. It appears none of them know how to address the issue or is willing to solve the issue, only passing my call from one agent/office to another and back to the first one, or simply dropped my calls, and mails sent to them was not found as I was told.
Consumer complaint received 2023-03-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (TN)

I have spoken with Wells Fargo on a regular basis on the late payment to my auto loan I had a payment arrangement in place to pay XXXX on the XXXX of XXXX as this was my payday today they repossessed my vehicle I received nothing by mail or phone stating that repossession was happening NOTHING from them other than my agreement of payment arrangement I have called them twice today and nobody there has any record of my payment arrangement or correspondence by phone with them I have received no emails or mail regarding any issues with the situation I have been in. They have never reached out to me regarding the repossession of my vehicle
Consumer complaint received 2022-04-28
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. (AL)

XXXX XXXXXXXX inquries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX inquries XX/XX/XXXX XX/XX/XXXX XXXX XXXX  inquiry XX/XX/XXXX XX/XX/XXXX have contacted company with no results
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (FL)

Good afternoon Im writing this letter cause I feel overwhelmed due to the high interest Barclays master credit card is charging me every month. 
I try calling customer service to help me lower the higher APR. I also noticed interest charge are super higher the company dont have any values for their customers. The reason I agreed to open this Barclays master card was cause it was a XXXX XXXX XXXX which is not a XXXX XXXX XXXX anymore. Please take a look to see if you guys can help me. Thank you in advance. 

Current balance {$13000.00} Purchase APR 23.24 % Cash Advance APR 25.49 % LATE PAYMENT $ ( XXXX ) XX/XX/2022 LATE PAYMENT $ ( XXXX ) XX/XX/2022 INTEREST CHARGE-PURCHASES {$260.00} Additional details for transaction on XX/XX/2022 titled INTEREST CHARGE-PURCHASES for amount XXXX XX/XX/2022 PAYMENT STOPPED {$370.00} Additional details for transaction on XX/XX/2022 titled Payment Stopped for amount XXXX XX/XX/2022 LATE PAYMENT FEE {$40.00} Additional details for transaction on XX/XX/2022 titled LATE PAYMENT FEE for amount XXXX XX/XX/2022 PAYMENT RECEIVED $ ( XXXX ) XX/XX/2022 PAYMENT RECEIVED
Consumer complaint received 2021-09-08
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: JPMORGAN CHASE & CO. (CA)

Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with JPMCB for {$6600.00}. I'd really appreciate it if this was taken care of and removed from my report.
Consumer complaint received 2018-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

when i applied for a truck loan in 2016, when they ran my credit, none of my creditors showed up on my report except for 1 account that had already been closed. i ordered my free credit report and upon receiving it in the mail, it has none of my creditors on it. i called them to file a complaint and they said to call the companies to see if they were reporting to the agency. i did that and was told they are reporting as always. yet still after a year of trying to get to the bottom of this it, my credit report is still BLANK. No one is able to help me, I've called numerous people for help and am getting no where. HELP!!
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am writing to dispute the presence of certain hard inquiries on my credit report, as detailed in your response from the Complaint ID Your complaints XXXX. Despite your assurance that the creditor responsible has an internal fraud process, I find it unacceptable that Equifax allowed such inquiries without my explicit consent as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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 2020-10-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (MI)

Finaced a lease vehicle from GM Financial on XX/XX/XXXX and returned the lease vehicle at the end of the lease on XX/XX/XXXX to XXXX XXXX dealership. All payments has been made per the contract I signed. Contract has ended and all payments was made in full per contract.Gm financial is reporting to the credit bureaus that I have a remaining balance on my account, but all payments has been make per the contract.Gm financial states the balance is for wear and tear and over mileage which I have disupted several times. I also contacted an attorney that stated wear and tear and mileage at the end of a lease could not be considered a part of the contract. only payments not made during the lease contract can be considered as a balance owed at the end of the lease.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Viewed credit file through Transunion in reference to XXXX XXXX account showing in charged off.  File shows last date reported: XX/XX/19 in the amount of $XXXX
Consumer complaint received 2020-10-27
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. 
They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 
The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2021-09-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TN)

I have yet to receive my remaining escrow balance after closing on XX/XX/2020. The balance in question is XXXX. I think this company should be investigated for not paying out escrows to customers since I havent received mine and had to call them to have them send again.
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AR)

XXXX XXXX XXXX are in violation of FDCRA rules and regulations because they continue to report fradulent account on my credit report. They have been  reporting an account opened on XXXX/XXXX/2013 for {$1000.00} that I have no knowledge of. I have made no agreements with them. I have received many phone calls and letters, but no matter how often I explain this is due to identity theft in the past they continue to harass me.
Consumer complaint received 2022-04-28
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. (DC)

They violated my right under 15 u.s.c. 1681 section 604 a section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts written permission to furnish these accounts on my credit report.

In 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 your 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. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove this collection. I demand the following accounts be verified or removed immediately from my XXXX, Equifax and XXXX credit report. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MI XXXX {$8600.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX tx XXXX ( XXXX ) XXXX {$1600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX {$350.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX, wa XXXX XXXX {$1900.00} hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advantage Financial Service LLC (Idaho) (ID)

On XX/XX/2019 a medical company in the name of advantage financial services reported on my credit of a unpaid past due bill. The bill was paid by my medical insurance beforehand. There was nothing on my side that made me responsible for this debt. I disputed the information after seeing my credit score drop from XXXX to just about 700. I disputed the charges with XXXX. I was told that the Advantage would not take it off. I then received proof of when my medical insurance paid it and that it was not paid late. I disputed it again. The only change is the amount was dropped down to XXXX with the conment added paid under original amount. I have been getting my credit turned down because of this and the ones that approved me want 3.0 % more!! This is ridiculous and has devastated my situations where I have needed credit. Please get this off
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

Up until XXXX XX/XX/XXXX I have been able to access my Chase checking and savings account through the web and mobile app, and have done so for 10 years as a customer. 

On Thursday XXXX XX/XX/XXXX I transferred {$10.00} to an external bank account and the money was received. On Friday XXXX XX/XX/XXXX I could no longer login to Chase web or mobile app and was directed to call a number because my account had been suspended. 

I contacted the call centre and was informed that my identity needed to be re-verified with the bank. I was informed this could only be done in-person at a branch or that I would have to contact a branch. That is a problem for me - I currently live in XXXX and there are no Chase branches. 

I contacted the XXXX branch ( where I opened the account in XXXX ) multiple times through late XXXX and early XXXX to seek further information about why my account had been suspended and how to fix the problem so I could regain access and conduct transfers. Each time I was told that it had been suspended because my ID needs to be re-verified ( first time this has happened in 12 years .... ) and that it could only be done in-branch. 

I asked for it to be escalated to a manager- the manager couldn't assist me. Said that Chase policy requires in-branch verification. I then asked who I could speak to within Chase bank that had a better understanding of verification procedures for people living abroad - multiple times I asked for help, and to-date I still have received nothing. 

When I call a Chase help centre, no one can help because its not a standard request. When I call the Chase branch ( XXXX ), no one can help because the branch doesn't deal with ID verificaiton procedures aside from sighting documents in-branch. 

I also can't ( perversely ) lodge a complaint directly with Chase because I can't login to my account to do so! I asked the XXXX branch to lodge an official complaint internally for escalation - that was on XXXX XX/XX/XXXX via phone. I have never received a receipt for the complaint lodgment, nor a follow up or a response. 

I am genuinely stuck. I have {$2000.00} in the account which is now frozen and I can not access. I would like assistance from Chase to a ) re-verify my accounts ( if that's what's required ) and b ) assistance from Chase to transfer money once again. 

Thanks, and appreciate this service being available - I don't know how else to engage with the bank, it's not easy being abroad an unable to visit a branch. 

XXXX XXXX
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is continually reporting a closed account from XXXX XXXX as chargeoff monthly on my report this has drastically affected my score and is illegal. If an account is closed how can it be reported charge off monthly Ive attached a copy of the payment history reflecting this as well
Consumer complaint received 2019-08-19
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2019 I was notified by XXXX XXXX that a company called XXXX ran a Hard Inquiry on my credit report with my social security number and a false name. The name was similar to mine with the same last name but not my correct name. I relieved someone had obtained my social security number and was attempting to open online credit card accounts and cell phone accounts. Within days more fraudulent Hard Inquiries starting coming up on my credit report. XX/XX/XXXX XXXX XXXX, XX/XX/2019 Gap card, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 Lowes card, ALL FRAUDULENT HARD INQUIRIES.  I notified the creditors in question and they understood that the inquiry was fraudulent. I also placed a security alert on my credit reports. I was informed by the creditors that they would send a letter to the three credit bureaus requesting the Hard Inquiry be removed within 90 days. It is now passed 90 days and these fraudulent Hard Inquiries are still on my credit report.
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (NY)

XXXX XXXX showed we were pre approved for many cards and loans. We clicked on the items and it turns out we werent pre approved. Now we have a lot of hard inquiries which is hurting our score.
Consumer complaint received 2021-07-16
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. (NY)

I previously notified Experian that I am a victim of identity theft and their response is " The company needs authorization from you to proceed with your complaint. 
. The company has let us know that it needs authorization from you to proceed ''. 

I have given authorization and supplied all documentation to support my claim. I XXXX XXXX give Experian my authorization to proceed with my claim of identity theft.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a victim of the 2016 " XXXX  Data Breach '' identity theft case.

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name.

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions.

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities.

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way.

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions.

I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

I noticed for the first time that my interest rate had gone up from 13.49 % to 19.49 % with my American Express card. I called American Express and spoke to a supervisor over there inquiring as to why the interest rate had gone up 6 %. I asked what had changed on my account since I have never paid late and my FICO score is in the mid 700 's. XXXX went on to say that since other companies where raising their rates they figured it was a good time for them to raise their rates also. I mentioned to him that this seems like interest rate price fixing and collusion within these credit cards to raise interest rates arbitrarily because everyone else is doing it. What protections does a consumer have?