davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I regularly monitor my payment schedule and take proactive measures to ensure payments are made on time on this accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request you to ensure that my account status is promptly updated in my consumer report. Accurate reporting is crucial for maintaining a positive credit profile, and I appreciate your assistance in this matter.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a very rude treatment from a teller while making a deposit at a local Capital One branch, located XXXX XXXX XXXX, XXXX, NY XXXX. I came to this branch on XX/XX/2022 at about XXXXXXXX XXXX and saw that available Teller 1 and Teller 2 were bantering, with no customers at their windows. I stood in front on Teller 1 waiting for acknowledgement, while he was finishing his chat with Teller 2. I asked him, if he could help me. He waved a hand, with no hello. I needed to make a deposit and entered my bank card in the slot. Machine took its time, but I saw no request for PIN. Teller 1 began patronizing that I should be following instructions on the screen and do what I am told. I told that I do follow the instructions, but there was little to do if no PIN input screen was displayed. He then pressed some button on his keyboard and I managed to enter my PIN. Later he began preaching with superior tone about masks and other remarks about me, even though we were both masked. I told him that I don't appreciate condescending attitude and went to Teller 2- who was available ( no customers ), but pretended he was too busy to help me. I managed to get deposit made by Teller 3 ( XXXX ). XXXX refused to give me the names of the other 2 tellers or manager 's last name, but gave me branch manager 's ( XXXX ) phone ( XXXX ) to report complaint, but when I called - that number was not working or was disconnected. The manager was not present at the branch that day ( XX/XX/2022 ).
Consumer complaint received 2019-05-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX XXXX XXXX gave a loan modification taking me to court or I signed their paper against my will but if I did I loos the house so they force me too they stoled all my loan modification 3 payments argument was they used for fraudulent thing like pay for some one to watch my house wen I was living in it ... or some other expenses they invented now days they keep talking about been late in my mortgage payments 3 months into the loan modification they claimed its the scrow payments started to change but the truth is that they adjusted every time the scrow changes they keep talking about a bankruptcy but no prove lies and fraudalent is their way every time I complain they send a lawyer they have to intimidate me costumer service won't help but their lawyers will not they send me a letter last week about mortgage been sold to a different bank claiming that I did a bankruptcy no prove but a lot of fraud going on between XXXX XXXX XXXX   and shellpoint mortgage services
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (DC)

Dear FTC, Subject : Report of Unauthorized Hard Inquiries on Credit Reports I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiries are as follows : Name Requested On Reporting Agency 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian I believe these inquiries have been made without my authorization and are adversely affecting my credit report. I request your assistance in investigating this matter and taking appropriate actions to address this violation. 
Thank you for your attention to this matter.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (IL)

Everything about this collection is incorrect. The date opened is wrong. I never had XXXX in XX/XX/2018. The balance is incorrect. The account number is WRONG!!! This company is illegally reporting inaccurate information. They need to provide the last statement from XXXX proving date opened as well as the alleged balance and the account number. If they can not, this account needs to be removed immediately or further action will be taken!
Consumer complaint received 2020-08-18
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. (AL)

For the past three months, I have been trying to refinance my auto loan and was told by creditors that my DTI was too high. Thinking that my credit card balances were too high, I paid them down. Just today, XX/XX/XXXX, I tried refinancing again and was told the same thing, so I inquired further and was told that XXXX XXXX was reporting a loan with a zero balance and an $ 812 monthly payment that started back in XXXX. This information is not true because I was on medical leave from XXXX with a IBR payment of XXXX. However, I did reenter school to complete my XXXX in late XXXX in which I am still enrolled as of today. I am using private student loans to pay for the tuition. I have never made an {$810.00} payment for a student loan, and how can a XXXX  balance require an {$810.00} payment. I tried fixing the problem with XXXX XXXX about 15 minutes ago and was met with confusion by the phone tech who had a lackadaisical attitude. A form was sent to me via email asking me to reiterate the problem. I refused to fill out the form.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

In XX/XX/XXXX, we received correspondence from the Consumer Financial Protection Bureau regarding a legal settlement between CFPB, the United States Department of Justice and XXXX XXXX XXXX ( now XXXX XXXX ). In the consent order, it states that there are allegations regarding possible " discrimination impacting approximately XXXX XXXX and XXXX borrowers who potentially were charged higher interest rates and fees than XXXX borrowers because of their race or national origin rather than the borrowers ' credit worthiness. '' As part of the XXXX XXXX dollar settlement, impacted borrowers will be receiving a one-time disbursement of approximately {$540.00} once a signed Borrower Verification and Release of Claim form is submitted. 

We are very appreciative that this is being investigated, but wanted to know why a review for a possible interest rate reduction for these impacted borrowers is not part of the settlement. Is that something that can be considered? With low appraisal values preventing impacted borrowers ( like us ) from refinancing with their current mortgage company/servicer for a lower interest rate, we are paying a significant amount in interest each year with no way to lower the interest rate until the housing market rebounds. We have personally tried for years, however, due to our current loan to value, we are stuck at an interest rate of 7.25 % unless we come up with $ XXXX out of pocket, which really defeats the purpose of refinancing. 

Currently, our servicer is the Virginia Housing Development Authority and they have no plans to assist any of its borrowers with interest rate reductions, unless they are distressed. Unfortunately, no other company will refinance our mortgage due to our loan to value. The current HARP programs do not apply to loans owned by VHDA. 

In light of the recent allegations documented in this consent order, we are hoping the aforementioned can also be looked into, in hopes of helping some of these potentially impacted borrowers ( like us ) with a little relief. A {$540.00} one-time disbursement ( though we are appreciative ) compared to over $ XXXX we pay in interest a year on our current mortgage at 7.25 % in no way compensates. Although we feel the disbursement should be much more, we are more concerned about at least reducing the interest we will pay in the future through an interest rate reduction. 

We do n't want to lose this disbursement and have until XX/XX/XXXX to sign the Release of Claim which would prevent us from pursuing any further legal action. VHDA is currently looking into options, now that we have provided them with the documentation regarding the settlement, but we are not sure they will assist. Lastly, we reached out to the Department of Justice who referred us to the CFPB for any further inquiries, which is why we are completing this complaint per their instruction. 

Thanks in advance for your review and consideration to help provide relief.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

My income to debt ratio is not correct on my Experian account. My income has changed from last few months but unable to update on my credit file. I have contacted Experian as they are unable to help me or resolve the issue. By having wrong income to debt ratio, my credit score is down and I am unable to get better credit from my lenders. My credit file also shows that I am delinquent on the account and my credit file is new, whereas, I am in this country from last 36 years. In either case, I am not getting correct information from Experian and it is hurting my credit.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (CA)

From : XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX . 
XXXX, XXXX XXXX Email : XXXXXXXXXXXX Telephone # XXXX To : Chase Credit Card member Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Chase Credit Card # XXXX On XXXX XXXX, 2016, I used convenient check # XXXX, issued by XXXX credit card, payable through XXXX XXXX to transfer a balance from Chase credit card # XXXX. I send check # XXXX, in the amount of {$6400.00} on XXXX XXXX, 2016 to Chase Card Services. Chase credit card tried to cash check # XXXX twice on XXXX XXXX, 2016 and XXXX XXXX, 2016. Check # XXXX, was returned to Chase Credit card uncashed for insufficient funds ( NSF ) reason. 

On XXXX XXXX, 2016, I had a conference call with XXXX credit card account manager and Chase credit card account manager, during the conference call, Chase credit card account manager confirmed to XXXX credit card account manager that check # XXXX was returned twice uncashed due to NSF. XXXX credit card account manager told me that he will open a special internal case about this check. 

On XXXX XXXX, 2016, I called Chase, spoke with an account manager from the payment department, she stated that they tried to cash check # XXXX once, it was returned on XXXX/XXXX/2016 for NSF. 

On XXXX XXXX, 2016, I received a letter from Chase stating that check # XXXX was never cashed. See attached. 

On XXXX XXXX, 2016, I received a letter from XXXX credit card stating that check # XXXX was cashed by Chase card services on XXXX XXXX, 2016. I called Chase credit card around 11 times and they assured me that the check was never cashed. See attached cleared check and confirmation from the FEDERAL RESERVE SYSTEM. 

I am writing to you to investigate the matter, since I have been going back and forth between XXXX and Chase credits cards since XXXX XXXX, 2016, without any positive results. All I am asking for is to get a credit from Chase for {$6400.00}, since check # XXXX was cashed by Chase on XXXX XXXX, 2016.
Consumer complaint received 2015-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (OH)

i contacted the collection company by writing, phone many of times to verify the debt. they stated i wrote a bad check inwich i obtained records from the bank that there is no ' bad check '. they will not send me any type of verification, they keep sending me statments that i owe the debt.under the laws i thought they have to send me evidence?
Consumer complaint received 2015-04-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Cadence Bank (MO)

Hello, I am trying to resolve an issue with Bancorp South regarding a charge filed on 2014 by XXXX XXXX XX/XX/<YYYY> in the amount of {$400.00}. For detailed explanation, please refer to attached letter.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (FL)

In XXXX I filed a dispute on my XXXX  XXXX  card because XXXX took the money from the wrong form of payment. Chime denied the claim and I moved on not thinking anymore about it. Continued paying my monthly bill like normal. On Thursday XX/XX/XXXX I went to pay my bill and noticed it was for 2 months instead of XXXX. When I contacted XXXX they said in XXXX a payment was reversed so I needed to pay that months bill as well. They sent me a screen grab of the reversal. I have talked to XXXX different people at Chime about this. They submitted a rebuttal to the investigation team and it was denied again. I emailed them what XXXX  sent me and I keep getting told NO. I have to repay the bill they took the money back from but still have not received any of the money they requested back.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/18 I received a letter in the mail from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I immediately called their XXXX number at XXXX XXXX XXXX. to dispute this debt. First person asked to verify my address. When the address didnt match up, the phone call was subsequently disconnected. I then made a second attempt. The second young lady was polite but insisted that since my address didnt match up in their system, she was not authorized to continue the call because there was nothing she could do to further verify why I received a debt collection letter. The letter shows that Transworld Systems Inc, represents XXXX XXXX XXXX XXXX, and claimed that I owed a current balance of {$230.00}. However, I nor anyone under my household has ever had an account with XXXX XXXX XXXX XXXX. I request that Transworld Systems Inc, along with their client XXXX XXXX XXXX XXXX, remove any and all information linking me and my property from their database and systems. This is the first and hopefully final step in rectifying this mistake. I will accept a letter of confirmation that this mistake has been fixed.
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (OH)

I was viewing the details of my credit report and I saw that XXXX XXXX  # XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, 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. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of the verifiable proof, of this information.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (GA)

In XX/XX/2023, I opened a Chase credit card account through their partnership with United Airlines ( mileage plus program ). I did not get the physical card until XXXX because I travel a lot. I received an email on XX/XX/XXXX indicating that a payment was due and on XX/XX/2023 I called to make a payment on the card. Today I received a notification from XXXX stating that Chase closed my account. However, when I called to make the payment on XX/XX/2023, no one indicated to me that my account would be closed. So I called Chase bank this morning and they stated that they could not give me any further details as to why my account was closed even after I made a payment on XX/XX/XXXX and simply that they mailed a letter to me on XX/XX/2023. I feel this is very unfair to me as a consumer because when I made the payment on my account, not a single person indicated to me that my account was in jeopardy of closure. After I made the payment, I was under the impression that my account was in good standing. This will affect me deeply as a consumer because it is now listed on my credit report as closed and may affect my ability to qualify for loans down the line.
Consumer complaint received 2015-04-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (GA)

24 % interest rate high pmts refuses to help when i try and talk to someone refuses to allow me to speak with collections calls XXXX or more times a day when asked to stop very rude and demanding money has repo order on car even after i pay whst i can
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

I have attempted to contact your department since XXXX via mail, alerting you to the presence of multiple inaccurate and misleading entries on my credit report. However, even after obtaining an updated copy of my credit report today, these erroneous items persist, that's why this time I raised these concerns via CFPB. I am requesting their prompt correction and automatic removal.
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (MI)

The debt of XXXX was paid on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called Enhanced Recovery Co. to dispute the claim. They told me I have to call XXXX XXXX where it was forwarded. I have already paid off the debt on XX/XX/XXXX, so there is XXXX balance on the particular event that is on my credit history. They are trying to get me to keep paying more money when it is already paid off. I called ( XXXX ). The man on the phone is named " XXXX '' who is from Enhanced Recovery who claims he is a supervisor when he's the original person that answered, he may or may not be. He keeps trying to get me to pay more money for an already paid due. My financial advisor is guiding me and says this is illegal to keep trying to collect money for a debt that was already paid years ago. This guy went from saying I need to pay {$190.00} and is now saying I only have to pay {$140.00} because he is giving me a discount but that's the lowest he can go, and I feel like I'm negotiating in a flea market in a third world country and this whole thing doesn't feel right and seems illegal. Please help me get this deleted off my credit! Thank you for your time. 

Kind regards, XXXX
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (FL)

On XX/XX/2023 I received a notification that my account was restricted with chime. I have worked at my job for over 6 years and have always used a W2 form. Chime stated that they needed a w9 form in which I do not have. I have sent in any requested documents to the support team at chime and they have yet to open my account with my money in it. I can not provide for me and my child because the only money that I have is in my chime account. I do have any other money to eat or pay bills. I work hard for my earnings and Im not doing anything wrong to not be able to access money that I have worked hard for.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (FL)

This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).