davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

In XX/XX/2017, J.P. Morgan Chase Bank refinanced a loan owed to another lender. I make mortgage payments by ACH transfers from an account at XXXX. When I made the first required payment, I included additional funds in the ACH transfer, assuming that those additional funds would be used for additional principal payments. Instead, J.P. Morgan Chase treated the additional amount as additional monthly loan payments, i.e. Chase deducted amounts for future months ' would-be interest in addition to principal paydowns, as if this were a car lease rather than a home mortgage. 
I called their customer service agent, who confirmed that this was done, and that Chase always does this unless the borrower uses US Mail to mail-in a payment slip that expressly lists the additional amount be used to reduce principal. The agent asserted that Chase would backcredit my account correctly. 
I believe that Chase 's policy ( i.e. unless otherwise expressly ordered, the default treatment is to apply additional funds to future amortization payments, rather than principal reduction ), is a violation of Federal Reserve Regulation Z ( the Truth-In-Lending Law ), which may be adversely affecting thousands of borrowers.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CO)

I have disputed this with Experian, XXXX and XXXX XXXX several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that XXXX is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Our {$500000.00} Heloc loan with XXXX XXXX XXXX, which had an outstanding balance of {$490000.00}, was paid in full on XXXX/XXXX/16. However, all three CRA 's are still showing both of these amounts ( credit limit and balance ) as outstanding, even though they have received notification from the bank that this Heloc has be paid in full. When I called Experian today, I had to wait on the phone for over 25 minutes before someone answered, and then they told me it could take up to 30 days to correct my credit report. In the meantime, my FICO scores are being negatively impacted. 
I can not believe that it takes these agencies 30 plus days to reflect accurate information. This is well beyond what should be a reasonable time frame to update information.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (VA)

To Whom It May Concern : I am asking for a legal debt validation of the following collections account that has been previously deleted from my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act. 

XXXX XXXX {$1500.00} # XXXX I am disputing this and you have 30 days to complete your investigation. If you can not verify it you must delete it. The FCRA requires you to notify me no later than 5 days after the date of reinsertion. The debt collection agency has not certified that the information is correct. Thank you for looking at this matter. If this is not resolved I will begin litigation and file suit. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN : XXXX
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management (TX)

I had a credit card with XXXX  which is under Plaza Services LLC. The account was charged off in XXXX and was assigned to XXXX XXXX. I was offered a settlement in exchange for a pay for deletion. After resolving the settlement of {$830.00} on XX/XX/XXXX, I waited a few months to check my credit report for the deletion only to see the account balance was updated to {$0.00}. Til date, it has not been deleted from my report ( see attached ).
Consumer complaint received 2021-04-21
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. (NC)

I filed a dispute concerning my credit card reporting it showed I still owe amounts on both my XXXX  XXXX and my XXXX  XXXX XXXX, the reported back that the amounts owe on XXXX  XXXX for XXXX was still owed and accurate and the amount of XXXX on credit was was accurate, that they had investigated there is absolutely no way they investigated either of these it makes me wonder if there is fair credit because clearly this was not investigated so it in term leaves me with a lower credit rating and higher interest, credit reporting is systemic racism that needs to be delt with and fix we are not treated equal it's just something they say
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

My wallet was stolen in XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (KY)

I had a card with XXXX closed acct to open a XXXX rewards acct, had issues when trying to use card got so upset I cancelled and paid off. A XXXX card was opened ( not by me ) and I refuse to pay something not mine. XXXX sent me a letter, when I wanted proof of card and charges, telling me it was personal and confidential information. They sent a piece of psper also that was suppose to be an online conversation between me and them that states I have an XXXX ( which I do n't ) and that I was verbal ( which I was n't ) the conversation does n't even have an origination, ( from an email, phone etc ). How can they tell me it is personal and confidential if it concerns me???? I furnished info via mail to credit bureaus XXXX deleted it, XXXX is still investigating, and experian said they updated but it is still there and nothing has changed, it is not mine, I want it removed. I have sent XXXX certified letters to XXXX for proof of debt and I get nothing, I paid anything I owed XXXX and I want them to remove this XXXX fraudulent account. I ca n't upload anything but whatever you require by mail I will send.
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo refused to honor a check, written on my business line of credit, claiming account could not be found, Check written on XXXX XXXX account, dated XX/XX/2017, amount {$520.00}
Consumer complaint received 2017-01-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CASHCALL, INC. (VA)

I had a Cash Call/XXXX payday loan. I went to make my payment and the account is gone and was told by the lender the account was paid in full. They said they could n't discuss the account with me. Why and who paid the account? I saw where Cash Call/XXXX was sued, who sued them and what happens to all the money I paid in?
Consumer complaint received 2020-04-18
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: CITIBANK, N.A. (CT)

In XXXX I had a Best Buy ( CBNA ) credit card, all payments were made on time with the exception of 4 months. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Now being 5 years later this is still showing as a serious delinquency on my account. This has made me not be approved for very important things IE. my fathers funeral loan, getting a house for me and my pregnant fianc, and multiple other attempts to receive a loan for important family things. Best Buy said they can not take a good Will letter and there is nothing they can do. I was XXXX in XXXX now being XXXX Ive been working on my credit portfolio for years, and this is the only thing holding me back. I was unable to make these payments at the time because my mother was diagnosed with XXXX XXXX, I had to leave my job to help her, my father was arrested and served 2 years in jail and they were very hard times. I even talked with the collections agency about this and they were nothing short of rude and unsympathetic. I am really hoping to get this taken off my report after almost 6 years, so I can apply again for my first home to raise my child in and better myself
Consumer complaint received 2015-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCSPLUS INCORPORATED (NY)

I was contacted by NCSPlus stating I owed money to XXXX University ( XXXX ), I disputed the debt and requested transcripts particularly grades and assignments of classes that I allegedly took, attendance records, I also requested documents with my signature agreeing to pay for any classes. Thirty days went by without a response, around the two month mark they sent a letter stating they verified the debt, yet they provided absolutely none of the requested documentation. I never took any classes from XXXX, as a matter of fact I was attending another college at the very same time, taking the same courses, they were stating I was taking at XXXX. I have documentation from the other college, USPS receipt and copies of correspondence from NCSPlus
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (LA)

I was denied a loan do to US Bank " Mistake '' I tried to get a DU approval and it would not due to a pre-foreclosure on our credit they said they fixed the problem .. I have paid out thousands of dollars trying to get this fixed it is the US Bank fault this has been on credit for over 5 years.. higher interest rates, getting turned down because of a foreclosure on our credit I paid for a home inspection, I paid for a appraisal ( 2 times ), I had to paid for a HUD inspector title fees 2x, I sent them a letter stating the monies I have spend over the years due to there mistake they said they could not help me because they do not have any doc showing them I was denied ..
Consumer complaint received 2016-04-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

Multiple charges were incorrectly debited from my account due to merchant error. I disputed the ones I could not resolve on my own and resolved the rest with the merchant. These charges resulted in overdraft fees. US Bank informed me that I would not need to dispute the charge to get the overdraft fees refunded if I resolved the issue on my own. US Bank has only issued a refund of only some of the charges and I have been trying for the past two months to resolve the rest with no luck. Every department/group believes it is someone else 's responsibility or a customer service rep will inform me that refunds are being processed only to find out this is not true. I can count at least XXXX separate phone calls from me to US Bank trying to resolve this. 

US Bank does not provide statements that show an accurate or reliable way to account for overdrafts due to " holds '' or debits. This is also causes the consumer to not get an accurate understanding of the account.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (DC)

Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying experian of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.
Consumer complaint received 2016-05-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (KY)

This is my third follow-up to obtain resolution for US Bank error. Please reference Case Number XXXX and Case Number XXXX. I have included the original complaints and letters from US Bank promising resolution. 
The issue that remains unresolved is US Bank has failed to adequately resolve adverse credit reporting related to their error and misplacement of a check. The misplaced check that was to pay-off a loan and the failure to correct my credit record has had a financial consequence to me the consumer. US Bank fully acknowledges that a check in the amount {$3600.00} was submitted to their bank to pay-off my auto loan and their staff misplaced the check. They fully acknowledge that they have been uncooperative in resolving this matter. They fully acknowledge that they are the sole cause of this issue. They have agreed in an XXXX XXXX, XXXX letter and XXXX XXXX, XXXX letter to correct the erroneous information with the credit bureau. 
On XXXX XXXX, XXXX, I obtained a copy of my credit report. The credit report shows that US Bank reported late payment of my auto loan. This negatively affected my credit score and adversely costing my more money in the form of higher interest rates and premiums. 
After review of my credit report on XXXX XXXX, I met with and provided XXXX ( the XXXX XXXX XXXX Branch Manager ) with my current credit report and letters from XXXX XXXX. XXXX contacted XXXX XXXX and called promising resolution. As of today, XXXX XXXX, XXXX at XXXX XXXX, US Bank has failed to contact me on status of resolution. It is obvious that US Bank does not give a whiff about resolving issues they caused their customers. It is obvious by US Banks actions and lack of actions that they do not care if the mistakes they cause end up costing their customers money in the long term. Unfortunately, it is obvious that US Bank does not feel they are accountable to the law, customer or to the Consumer Financial Protection Bureau.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MA)

I called in to downgrade my Citi AAdvantage Gold card to a Citi Diamond card within a few weeks of the annual fee posting, and was told that the fee of {$50.00} would be erased by the time the next statement posted. It did not, so I called in, and learned that I would be refunded the fee " within 51 days of account conversion '', or XXXX XXXX, as the account conversion process does not begin for another few weeks, despite my old card already having been closed and my new card already been received. I will now have to pay the annual fee to avoid having my account go into default, even though they told me it will be refunded.
Consumer complaint received 2016-10-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NH)

Seretus a loan servicing agency does not have sufficient internal systems to deal with non-standard situations. I am appointed XXXX in a family case. The agency has not been able to understand my position. I want them to send a matter to their Legal department. After time was spent sending them information, they acknowledged they could speak with me, I had the social, and the loan number from their documents, but then insisted I state the original names -apparently the full middle name- of the mortgagor. I had not been informed of what information I would need in my earlier conversations with them. I contacted the parties, so with additional delay I was told they do n't remember what name was used, but I am going to try again with the middle names. I appreciate their need to protect the information they have. This problem with probably arise with executors and other parties, there needs to be a path way for people with legal rights to the information to find it.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (HI)

Reviewed my credit report as notified by my employer, found INCORRECT credit score from EXPERIAN. Unfortunately MY SON used my identity & got behind on some money problems. While checking my XXXX statement XXXX pay stub ), found a GARISHMENT withdrawal! I took care of my son 's debt / called that company & they SAID my credit would NOT be AFFECTED!!!
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (WI)

Experian has been notified that a judgement against XXXX XXXX XXXX had been satisfied on XXXX XXXX yet still remained on my credit report dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. My credit score over the past 3 years has adversely affected my this Company 's ( unknown reasons ) lack of attention to this matter. Please help! 
See attached satisfaction reference file # XXXX I discovered that bureau 's are reporting my credit accounts and personal history that date back 31 years. Is this legal?
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MO)

CREDIT REPORTING AGENCY SAYS THEY VERIFIED A BANKRUPTCY ON MY CREDIT FILE. THEY REFUSED TO IDENTIFY THE SOURCE OF THE VALIDATION. I CONTACTED MY LOCAL FEDERAL COURT HOUSE AND WAS INFORMED THAT THEY DO NOT VERIFY BANKRUPTCY INFORMATION. SO IF THE CREDIT REPORTING AGENCY CAN NOT PROPERLY VERIFY THIS PUBLIC RECORDS ON MY PERSONAL CREDIT REPORT THEY NEED TO REMOVE THIS PUBLIC RECORD AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT. THIS IS IN DIRECT VIOLATION OF THE FCRA..
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

XXXX is reporting inaccurate information & damaging my credit. XX/XX/XXXX, we agreed to a settlement. In the settlement, the bank agreed to remove all account information on all credit reporting agencies. They agreed it would never be reported again. On XXXX XXXX, XXXX I ran my credit & found the information still being reported. I contacted all XXXX credit bureaus & subsequently contacted the data furnisher to remind them of our agreement. XXXX & XXXX removed the account without any issues but Experian continued to report the acct. I instructed Experian of the error again & they informed me to contact the data furnisher. So I sent off a letter to the data furnisher on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I had received nothing from the data furnisher, so I mailed a new letter to Experian to ask them to remove the account from my file. On XXXX XXXX, XXXX I called Experian to check the status of the account & they informed the account was still listed on the report. They also said me there was nothing they could do unless the data furnisher removed it from their records. I 'm filing a complaint for the lack of accountability with Experian. I 'd like Experian to be held accountable for sections 609, 611, 616 & 623 of the FCRA. The information listed is inaccurate & damaging my credit. Attached are the documents sent to Experian & the data furnisher. I like this account removed IMMEDIATELY!!!
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (AL)

I refinanced with Rocket Mortgage and they admittedly miscalculated a payoff amount and entered the wrong payoff on my closing disclosure. They sent a payoff to my existing mortgage company that was roughly {$700.00} short and every day interest is accruing on that remaining balance. Rocket Mortgage wants me to be solely responsible for their error in incorrectly entering a payoff amount on my closing disclosure when they had the correct payoff amount from my former mortgage company the whole time. They are saying that the compliance agreement I signed at closing protects them from any liability in errors they make or for money they fail collect at closing. However the agreement does not cover my specific situation, nor does it itemize incorrectly disclosed figures on the closing disclosure. Rocket mortgage offered to pay some of the payoff shortage ( less than half ) but this is not an error that I should be responsible for. I read over my closing disclosure and trusted that it was accurate. I trusted Rocket Mortgage to handle my refinance with care ; however, I am extremely disappointed and worried about the consumer harm I will experience if they do not correct this issue. Interest is accruing daily and this is resulting in a larger remaining balance on the mortgage that I refinanced through Rocket Mortgage.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

Texas Office XXXX XXXX XXXX XXXX is reporting, 150 days delinquent on payment. Payment was stopped by the XXXX financial office 6 months ago, due to no required payment from me. XXXX began reporting on my credit report that I am delinquent, latest report XXXX, despite numerous assurances from XXXX staff the credit reporting would stop.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Experian is still listing an account that is past the 7 year reporting period. 
XXXX XXXX XXXX, account number XXXX. 
I have attached a copy of my Experian report which reflects how this account is reporting. Please notice the STATUS DETAILS which states : This account is scheduled to continue on record until XXXX 2017. Yet it is still listed on my credit report. Experian is the ONLY credit reporting agency to report this account.
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021 at approximately XXXX, a checking account was opened without my authorization. 

I did not receive an email about this account until the morning of XX/XX/XXXX notifying me that my balance was XXXX on the new account.