davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
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: Screening Reports Inc. (IL)

I never applied for services with XXXX XXXX  Ive always had XXXX. My information have been found on the black market/ dark web and is compromised. I even have a fraud alert on my credit report. Ive been trying to get this inquiry removed because I never applied for credit with this company.
Consumer complaint received 2020-11-26
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: Residential Mortgage Services Holdings, Inc. (NH)

Despite me having made all mortgage payments on time and as agreed, Residential Mortgage Services has reported inaccurate, false and misleading information on my account and now has refused to fix my credit reports. I have twice disputed the inaccuracies and in fact RMS 's own customer service did agree with me that they had my payments and sent them back and that they should have applied them correctly and she wasn't sure why they were sent back to me. She stated that she would also file a dispute on her end on my behalf at least thats what I was told by cutomer service. I am not sure if they ever did file a dispute. I have provided substantial proof of payments to the company. RMS failed to properly allocate these timely made payments that I sent to them and in fact RMS sat on these payments for well over a month before they decided to send me back my payments. They sent my payments back to my bank and then went ahead and reported these payments as being late or never recieved. RMS failed to ever call me, email me or send correspondence as to why these payments were not being applied correctly to my accounts. They did go on and report false inaccurate and misleading information to the credit reporting agencies as a result of their own errors and refuse to acknowledge their mistake and correct my records.I have attached further explanation and proof of documents and will be reporting to other consumer agencies but will try this avenue before seeking legal help for damages. Please help me get this corrected.
Consumer complaint received 2024-02-14
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. (AL)

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 inructions 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 2022-02-04
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. (MI)

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ACEPTANCENOW XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2020
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (NC)

I received a letter in the mail from Revco Solutions advising that I had a debt owed to XXXX XXXX XXXX {$330.00} ) and XXXX XXXX XXXX ( {$120.00} ). There was no additional information verifying that this debt was valid and belonged to me.
Consumer complaint received 2022-02-04
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: LEXISNEXIS (NJ)

I have become aware that the company LexisNexis has violated the Fair Credit Reporting Act by accessing and selling my consumer report to other consumer reporting agencies without my permission. As a Consumer in Fact, I have the right to privacy pursuant to Title 15 USC 1681 ( a ) ( 4 ) and did not give LexisNexis authority to have my personal information in their database or to sell my information to other consumer reporting agencies which is an infringement upon my rights as a natural person per Title 15 Per USC 1681b ( a ) ( 2 ). 
I have forwarded to LexisNexis an affidavit and invoice specifying my requests and have not heard from them as of yet.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2024 [ XXXX, Equifax, XXXX ] Dear Sir/Madam, I am writing to dispute the accuracy of certain items on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following accounts : US DEPT. OF EDUCATION/XXXX  - Account Number : XXXX DEPT OF ED XXXX XXXX  - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I believe these accounts are inaccurately reported on my credit file, and I request their immediate removal. The Metro 2 coding associated with these accounts does not accurately reflect my credit history and is in violation of the FCRA. 

Furthermore, the reporting of these accounts is in violation of various sections of the United States Code, including but not limited to : Section 1681s-2 ( a ) ( 1 ) ( A ) of Title 15 : Obligations of Furnishers of Information to Consumer Reporting Agencies , which requires furnishers to provide accurate information.

Section 1681s-2 ( a ) ( 8 ) of Title 15 : Duty of Furnishers to Provide Notice of Dispute, which mandates that furnishers investigate disputes forwarded by credit bureaus. 

If these accounts are not removed from my credit report within 30 days, I will have no choice but to pursue legal action against the credit bureaus and the furnishers of this inaccurate information. 

I expect your prompt attention to this matter. Please provide written confirmation of the actions taken within the specified timeframe. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (AZ)

On or about XXXX of XXXX, I started an online checking account with XXXX. and received funds to the newly opened account ( no issues ). On or about XX/XX/XXXX I was arrested and detained ( pending post trial/unrelated ) and was released XX/XX/XXXX. Upon my release I contacted CHIME inquiring about my funds that were depleted from my account in the amount of {$4900.00} to no avail. Upon filing a dispute claim ( # XXXX ), CHIME personnel refused to investigate my claims, update email address, phone number, etc. While speaking with personnel the services received was unprofessional, unethical and criminal. I'm seeking assistance demanding the return of misappropriated funds by CHIME in the full amount of {$4900.00}
Consumer complaint received 2015-04-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (VA)

I paid my mortgage via the banks online payment system with the amount of XXXX got the confirmation number provided on XXXX XXXX. The payment was supposed to be withdrawn on XXXX XXXX. Somehow the bank cashed my check but it was never paid to the mortgage Co. I contacted M & T bank regarding this issue and they said will investigate and give me my refund. I had to pay the mortgage company a second payment via telephone. 
They kept on charging me overdraft fees for NSF. Actually the funds were never returned and everything fell apart. In XXXX 2015, they refunded my money but they flatly refused to refund my overdraft charges. I just want to know why did it take so long to refund my money. They refused to answer my questions and refund my overdraft charges ( XXXX x XXXX )
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XXXX XXXX, XXXX
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (FL)

The CFPB submitted my XXXX complaint against XXXX, them not allowing me to access my loan account on-line. CFPB here closed the file of such complaint allowing accepting XXXX response that-they XXXX saying they will not even entertain or answer the complaint because I did not have a my legal Representative my attorney XXXX XXXX XXXX, contact them to allow access, -so .... 
Obviously very so you guys here CFPB not doing your job letting them get away with such excuse for violations to federal laws. Nonetheless my attorney did advised and requested from the law firm XXXX XXXX, XXXX Fl, representing XXXX in my foreclosure case to allow my access to my loan account on numerous over XXXX times times now. XX/XX/2015/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/2015 and nothing yet for today still today XXXX XXXX 2015 I cant yet again access my loan account at XXXX on line. You guys here know why? dont be surprise obviously why yet again fraud by JPMorgan Chase Bank with XXXX by and through Fannie Mae Currently the record of my Foreclosure case, XXXX, Florida XXXX County Court XXXX Judicial Circuit shows that JPMorgan Chase Bank through XXXX authorized by government bank named Fannie Mae yet again once again in violation of the federal laws and violating XXXX XXXX District Court injunction decree to cease all the fraud and comply with the law or paid further greater penalties that could lead close down entity But no, you guys here not doing your job statutory mandated you must do. 
So come on lets do this and grab a hold of them, if not, then obviously you CFPB are allowing here fraud upon the people you guys part also of JPMorgan Chase Bank pack in the same plot.
Consumer complaint received 2016-11-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

I AM AN XXXX - DID A LIQUIIDATION APPRAISAL FOR JP MORGAN CHASE BANK XX/XX/2016 - CAN NOT GET PAID NEED SOME HELP XXXX XXXX XXXX, NC XXXX APPRAISAL # XXXX -
Consumer complaint received 2022-02-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX XX/XX/XXXX XXXX on XXXX XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 describes a finance charge was the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XX/XX/XXXXXXXX took cash.The finance charge is supposed to include insurance but XXXX XXXX XXXXXX/XX/XXXX XXXX made me purchase insurance separately. Pursuant to 15 USC 1635 I was never told I had the right to rescind within three days nor was I given all of the notices that come along with all consumer credit transactions. This has caused great harm against me.
Consumer complaint received 2015-09-10
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

I became aware that SELECT PORTFOLIO SERVICING INC Also know as XXXX, SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE XXXX OF STRUCTURED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX with the aide of XXXX filed a fraudulent ASSIGNMENT OF DEED OF TRUST with the Recorder of Deeds for XXXX know as instrument number XXXX. This document has forged signatures for a XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter.
Consumer complaint received 2024-02-15
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT 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
Consumer complaint received 2016-06-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

My account was over-drafted to - {$13.00} on XXXX XXXX. Around XXXX on XXXX XXXX I accepted what is supposed to be an " instant '' quick-pay from another chase account for {$30.00}. So my balance showed it was positive at that point, and I was relying on the small amount of money I had to pay for food and laundry this weekend. Then in the morning I check my account and saw it was - {$17.00} since Chase had charged me {$34.00}. Now I can not wash my clothes or eat for 2 days. I am a college student and this is absolutely devastating to my financial situation. {$34.00} might not seem like a lot of money to Chase but to me it made a huge difference. When I called them they were not understanding and told me there was nothing they could do. {$34.00} is over three times as much as it was over-drafted by.
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Professionals, LLC (AZ)

debt collection claims a debt from 2004. Is unable to state the source or the original amount. The were requested to stop phoning and to contact only by mail and to produce a copy of the original debt. Also the failed to provide a licence number for debt collection as per arizona law.
Consumer complaint received 2022-02-04
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XX/XX/XXXX, I went to make a purchase to XXXX and BANK OF AMAERICA canceled the transaction and placed a hold on the card alleging fraud. I called them and told them I was buying groceries for my family and they still stated the card would be placed on hold and they did not allow me to purchase my groceries. I kept calling everyday as I needed my money to buy groceries and within a few days they stated they had closed my account. My account at that time had {$1800.00}. They stated they had closed my account and that they would be sending me a letter explaining why and would mail me a check for my remaining balance. I went into a Bank of America branch in XXXX XXXX as I do not have a branch in my city. They told me I had to wait to get my check in the mail. The days passed and I kept calling and every time I would get different responses and stating their were claims submitted and that those were pending before a check would be issued. In XXXX my employer direct deposited {$300.00} to my account. I received a bank statement from Bank of America stating that as of XX/XX/XXXX my ending balance was {$1800.00} with an account that had been closed. I kept calling almost everyday to see when my check would be mailed and they stated it was pending because of claims I had made. I never made claims, all I wanted was my money. I have small children with medical needs. at one of the phone calls I made Bank of America told me on XX/XX/XXXX all your claims will close and a check will be issued. I called on XX/XX/XXXX to see if check had been issued and they told me that my account was negative and no check would be issued. How can the account be negative if it had been closed for months and no transactions were being made?
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I applied for a short sale, the short sale option was approved. I listed my property with a local agent. When an offer to purchase was received the real estate broker was advised to submit a Hud-1 closing statement. He submitted said statement 4 to 5 times. Each time he was told the numbers didn't add up. When I phoned my lender for updates I was advised the same. I then paid a title company {$150.00} to prepare this Hud-1 closing statement. When the lender received the Hud-1 statement from the title company, they withdraw the offer to purchase siting I had changed the buyer. I explained to the lender the buyer has not changed. The buyer 's grandfather is gifting him the funds to close as part of the buyers inheritance. The mortgage company then sent me written notice. Your request for short sale has been withdrawn because you changed buyers. The real estate broker along with myself have phoned, written, appealed their decision all while explaining the buyer has not changed. The buyer is still the same. We added the grandfathers name to the Hud-1 because the proof of funds from the bank ( which the lender has a copy of ) is in his ( the grandfather 's ) name. The buyer is the same and as of today he is still interested in purchasing my home.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (FL)

I initiated a Car Lease with XXXX in XXXX Fl. It had a 30 month lease. my payments were due on the XXXX and the last day of every month. My payments were {$210.00}. On XXXX XXXX, 2016 they only took XXXX 's of the payment that was due. So I called in to lease service to find out what happened. At the time they indicated that it was a computer glitch and I could pay the rest over the phone. My lease was up in t XXXX, so I decided to just pay it off early. I asked the rep to calculate a total balance that would bring my account to zero. took him 20+ minutes, but he finally came back with a balance of {$360.00} and some change. I paid it. On XXXX XXXX, I received a text indicating that my payment was due. I called into Customer service again. After waiting XXXX minutes they indicated that it was an error and I could disregard. That I had no more payments due and they would send me my title in XXXX6 weeks. XXXX XXXX, XXXX I received another text along with a loud ringing in my car stating that I was begind in my payment and that I needed to pay immediately, or they were going to come and ge the car. I called in again on XXXX XXXX, and now they are saying I owe them almost {$200.00}. They are stating that they never received my payment from XXXX XXXX. I asked them for an email address and fax number so I could send them proof of that payment. I spent all day sending it multiple times multiple ways and they are still claiming tht they never received anything from me. They have never indicated in the past 1 1/2 months that I was missing a payment. XXXXBridgecrest are trying to extort additional moneis from me without cause. I have proof valid confirmation that Bridcrest debited my account on XXXX for the XXXX payment.