davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
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. (MD)

Hello My Name is XXXX XXXX and I own a Chase Sapphire XXXX XXXX  Card. I received a correspondence from Chase Bank on XXXX XXXX and was requested to submit the following 2 documents by XXXX XXXX to avoid closure of the account. I went to the local branch immediately and filled out Social Security Form ( XXXX ) and XXXX. The chase branch faxed all the necessary documentation to XXXX. A week later I called the chase credit services numbers and I was informed they have not received my documentation and was asked to go back to the branch and re-fax the information using secure line which I did. I called the Chase customer service 3 days later and I was informed my documentation was still not received and everyone was quiet puzzled as to what to do next. I have been faxing this documentation to the same fax number almost every week and here is the latest evidence. I called the chase customer services today and I was told that since my documentation was not received ON TIME they have decided to close my account and it cant be re-opened. I would say this behavior is unacceptable by the bank and I feel that the customer was cheated due to no fault of my own. I didnt default on my payment nor do I have any red flags on my account but unilaterally the bank decided to handle matters on their own without due process. I believe this is a scam and maybe other customers are going through the same thing but decided to stay out of the process. Please help me in restoring my Sapphire XXXX Card account immediately. Thanks Real-time Fax Status Real-time  Fax Status : Successfully Sent Fax Info Date : XX/XX/2022 XXXXXXXX XXXX XXXX Receiver Name : JP Morgan Chase Receiver Company : JP Morgan Chase Receiver Fax XXXX XXXX XXXX Subject : Chase Sapphire XXXX Card Page Count : 3 ( including cover page ) Dear XXXX XXXX, Your fax to JP Morgan Chase XXXX at XXXX has been sent successfully! 
Successful delivery of your fax was confirmed at XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022 Your fax inclu

ded 1 p age of coversheet with your text and 2 pages of attached documents. Be sure to follow up with the recipient to make sure that the fax is legible and is delivered to the right person in the office. To view or print the status of your fax, click here. Y
ou can also send XXXX a " tip '' to support this handy service.

Thank you, XXXX
Consumer complaint received 2022-06-29
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)

Hello, I have had an account with XXXX XXXX since XXXX of XXXX. I have never missed a payment or been late, however, due to an error on the company 's website/payment portal, my account was charged twice in XXXX. I was advised by XXXX XXXX XXXX customer service representative in that same month to take the issue up with my bank in order to get better results. My bank tried to resolve the issue, and as a result, XXXX XXXX reported my account as 90 days late. I have written to XXXX XXXX twice asking for a review and made disputes with their preferred credit reporting agency, XXXX, as well as mine, which is Experian. My credit score dropped nearly 60 points because of this, and XXXX XXXX refuses to fix the problem after months of effort on my part. As of today, I was able to obtain my banking statement from XXXX of XXXX, showing the payments that were made to XXXX XXXX from my business checking account. I have attached a screen shot of those transactions below. I am also happy to provide statements for XXXX or any other month, which will show payments made to satisfy my agreement with XXXX XXXX. 
I would also like to add that during this time I was suffering from XXXX for over XXXX weeks, and XXXX XXXX still refused to work with me on this dispute. It is my hope that the Consumer Financial Protection Bureau will advocate on my behalf and help resolve this issue once and for all. Thank you
Consumer complaint received 2022-06-29
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. (NY)

Hello, I have had an account with XXXX XXXX since XXXX of XXXX. I have never missed a payment or been late, however, due to an error on the company 's website/payment portal, my account was charged twice in XXXX. I was advised by XXXX XXXX XXXX customer service representative in that same month to take the issue up with my bank in order to get better results. My bank tried to resolve the issue, and as a result, XXXX XXXX reported my account as 90 days late. I have written to XXXX XXXX twice asking for a review and made disputes with their preferred credit reporting agency, TransUnion, as well as mine, which is XXXX. My credit score dropped nearly 60 points because of this, and XXXX XXXX refuses to fix the problem after months of effort on my part. As of today, I was able to obtain my banking statement from XXXX of XXXX, showing the payments that were made to XXXX XXXX from my business checking account. I have attached a screen shot of those transactions below. I am also happy to provide statements for XXXX or any other month, which will show payments made to satisfy my agreement with XXXX XXXX. 
I would also like to add that during this time I was suffering from XXXX for over XXXX weeks, and XXXX XXXX still refused to work with me on this dispute. It is my hope that the Consumer Financial Protection Bureau will advocate on my behalf and help resolve this issue once and for all. Thank you
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 )  ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Experian after being notified by XXXX XXXX XXXX to delete the account, allowed reinsertion under XXXX name ( Same exact credit card account ), and did not notify me about the reinsertion within 5 business days, in a breach of the above FCRA section.
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Community Loan Servicing ( formally known as Bayview ) accepted my XXXX mortgage payment but failed and refuses to post the funds to my account. Instead they merged with another company, XXXX XXXX ( aka XXXX ), which is really the same company, and refuse to post the funds they are already in possession of. This is called stealing. They are already sending me notices of collection, foreclosure and threatening to post negative information to my credit reports. Instead of handling their business properly Community is demanding that I only communicate with the new servicer which is really one and the same as the old one. This is clearly an illegal scam where these mortgage companies work together to foreclose on property at great profit to them and great loss to the people who actually live in this country. This is the forth or fifth complaint I have filed and CFPB continues to do absolutely nothing of any effect. Which is frightful because they seem to be the only governing body associated with this type of " business ''. Bayview / Community / XXXX XXXX / XXXX needs to be closely examined as they are breaking numerous laws set in place to protect the public from this type of aggressive business practices. CPFB needs to handle these extremely stressful concerns as this issue has been ongoing since 2019 without resolve. I have once again provided proof that my payment was received by Community / XXXX and proof they they are currently trying to foreclose on my home regardless of this payment. This is illegal and needs to be stopped.
Consumer complaint received 2022-06-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX, XXXX, TransUnion and XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX, TransUnion, and XXXX are reporting personal information on my correct report. 
Here is a list of the incorrect addresses, please remove them : Addresses : 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 Names : XXXX XXXX The only address that should be listed is shown on this complaint. I also would like for you to correct the spelling of my name. There should not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. Again, here is a list of the incorrect name spellings : [ XXXX XXXX ] Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. Thank you!
Consumer complaint received 2022-06-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (OH)

I was told by XXXX XXXX employee when I turned my equipment in that I did not owe any balance and to ignore the next cable bill. 
Got a notice from XXXX XXXX XXXX and disputed the debt since I was told I didn't owe anything. Sent documentaion that I paid my last bill and sent a copy of bank statement. Never heard back so I assumed it was taken care of. Went to refinance my house and showed past due from Credit Management Inc. I had never heard from them. I called and it was about the old XXXX bill that I thought was already resolved. I contacted XXXX for the fourth time and finally was given correct information. I did what XXXX told me to do. This should not be on my credit report.
Consumer complaint received 2022-06-29
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. (TN)

I noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from XXXX and Experian. XXXX  XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX  are failing to review and/or research any of my dispute letters. I have not received any communication from XXXX ; Experian or XXXX regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. ( 1 ) You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. ( 2 ) Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. I respectfully request the following items be reviewed by XXXX  and XXXX -XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. Also, I respectfully request the following items be reviewed by Experian and XXXX - XXXX XXXX  partial account number XXXX and XXXX XXXX partial account number XXXX. ( Please see attached pages from my credit report. )
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This is my pre arbitration dispute letter. I am sending this complaint through certified mail to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to fulfill the requirements of the arbitration clause.
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

Comenity Bank/ XXXX XXXX  card charged me a finance charge of {$2.00} after I paid off the account. That balance is now coming due XX/XX/2022. I have made multiple phone calls and tried to contact them online but every time I call the call is automatically disconnected and/or I receive a message stating, " We had a recent update and are having systems isssues '' and then the call is disconnected. Their website says you can pay online but you can't. You get the same message. I have been working on this for days with no progress. What am I supposed to? I do not have any lates on my credit. And I do not want any. Please advise. 

XXXX XXXX - XXXX XXXX XXXX customer service XXXX " After the completion of a recent planned system update, we continue to work on restoring service as quickly as possible. Were very sorry for any inconvenience. Please know that we will work to ensure a fair resolution for our customers who were impacted by this service disruption. You can now check your balance, make a payment and service your account using our Automated Voice Response System by calling the number on the back of your card. ''
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Names and address reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Names and address reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX & XXXX also Experian you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my XXXX reported a 0 month Term but XXXX XXXX reporting a monthly Term at all also Experian is Reporting a 1 month Term why are these XXXX credit Bureaus reporting are different if you all get the same reporting from the same source for XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY FROM ALL THREE CREDIT BUREAUS Please verify and delete immediately Ive reported this issue before and nothing was fixed
Consumer complaint received 2020-06-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

Read. The given options did not pertain to my issue. 
Nonpayment from Specialized Loan Services, LLC, Loss Draft Department for documented insurance claims. Since XX/XX/XXXX SLS has either delayed or refused sending documented insurance claim funds of over {$100000.00}. These choices by SLS have kept me from living in my home at times and have adversely affected my livelihood. This is agricultural/farm property with XXXX  Insurance Policy. On XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, so far I have had to cancel scheduled contractors due to nonpayment from SLS 's Loss Draft Department due to me. This has created a significant monetary damages and will continue to impact my livelihood. SLS has refused to have any explanation behind their decisions to not pay. And, will not provide the name of my Mortgage Investors so they too will be aware of these compounding issues. Furthermore, they have contacted contractors and insurance adjusters to acquire my personal information without my knowledge or consent. SLS has received all required documentation, receipts, invoices and contracts. They still refuse to send insurance funds. Each time I have contacted SLS they do not allow me to talk to the same individual nor can I get a phone number for the same person I've spoke with and never an email. SLS will not return calls and have never called to indicate an issue exists. The SLS " XXXX '' has denied me access for days to my personal ClaimCheck account. This is very typical of the " deny / delay '' fraudulent tactics and practices. 
Of many, a few of the SLS employees I have had the misfortune of dealing with are XXXX ( wouldn't give last name ), XXXX XXXXUnit Mgr, XXXX XXXXTeam Leader. Specialized Loan Servicing, LLC, Loss Draft Dept XXXX, XXXX XXXX  XXXX, XXXX OH XXXX