davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (NY)

There's this company called Credit Control , LLC XXXX XXXX XXXX XXXX XXXX, XXXX. 
located at XXXX XXXX XXXX, XXXX XXXX, XXXX MO XXXX. 

I never headed from this people before, and never had any business issue with no one. 
now i got this letter says that i owed money to a XXXX. 

the last time i headed from XXXX was back in 10 years ago. I had a house back then. and so many mortgage companies took over the XXXX XXXX, which i lost control. 
in the house was sold on short sales which all the paper work was done. but nothing related with XXXX 

The only think i can think of it, this XXXX issue, has to be related with this house. but this was resolved long time ago.. 

Now this company must provide me with any documentation that can support this claim. 
otherwise i would then to stopped this imitate..
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I have a Chase Safire Reserve Credit Card and in XX/XX/XXXX, I noticed a transaction posted to my account for a company named XXXX XXXX that was not conducted by myself. Therefore, I called Chase Fraud and they confirmed with me that this was the only fraudulent transaction. Subsequently, a merchant contacted me to tell me that there was a problem with one of my purchases so I called the bank and only to find out that the had mistakenly return all my purchased from XX/XX/XXXX to the day that I called in XXXX. I was on vacation during XXXXXXXX XXXX XXXX  so there were many transactions involved including an airline ticket purchase in EUROS that converted to {$6200.00} charged to my account on XX/XX/XXXX, which was for a business trip to XXXX XXXX on XX/XX/XXXX. Chase told me that they were fixing their mistake and got reassurance that the airline ticket would not be affected because the return was still in process. Therefore, I trusted the bank that everything was resolved. However, I was not able to board my flight from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After hours on the phone with the airline while at the airport, I had no choice but to purchase another ticket on the spot for the next day XX/XX/XXXX. The airline XXXX XXXX XXXX XXXX told me that they would refund me XXXX of the tickets once the bank returned back the funds to them that were taken back for fraud. On XX/XX/XXXX, the airline company refunded me one of the ticket purchase but due to the EUR/Dollar fluctuation, my account was only credited for {$5900.00}. So, due to the Chase error, I lost money on the currency conversion for the refund and at the same time, I incurred expenses to stay an additional day in XXXX. On XXXX  called Chase to complain and the supervisor was very understanding and assigned XXXX XXXX XXXX so that I could be compensated for the expenses around XXXX XXXX XXXX including the difference that I lost on the airline ticket refund due to the exchange. Since then, I have been following-up and kept getting the run around between the fraud department and customer service. In XXXX, I was told they they could not do anything because they had no access to the recording so I asked to escalate the case and it was escalated to the executive office. Finally, on XXXX I received a message from XXXX who investigated the case to tell me that they would not give me any type of compensation because the made the " proper adjustments '' and " coaching was sent to the agent ''. Well maybe the coaching should have been done before and that could have saved me lots of stress, additional expenses and a missed business meeting.. I called them back and a representative at the executive office did confirm that they saw the recording and it was confirm that it was their mistake but nothing could be done. This is totally an acceptable resolution.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (TX)

I noticed that EQUIFAX is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with EQUIFAX but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : XXXX. XXXX  CRD Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. DPT ED/XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX collection Account XXXX : XXXX XXXX. XXXX collection Account XXXX : XXXX XXXX. XXXX  collection Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2022-06-17
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. (FL)

Dear CFPB Staff, XXXX XXXX XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to XXXX.
Consumer complaint received 2023-03-27
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2022-12-21
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. (GA)

This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

InquiriesXXXX 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 Attached are screenshots of the accounts I stated that are not mines and also documents from my recent Equifax Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.
Consumer complaint received 2023-03-27
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: JPMORGAN CHASE & CO. (CA)

I noticed a fraudulent charge for {$2000.00} at a caterer ( XXXX XXXX XXXX XXXX XXXX ) on my Chase Sapphire Reserve card while traveling in XXXX and immediately notified the Chase fraud department . The fraudulent charge occurred on XX/XX/XXXX The charge was removed and the chase fraud investigation team followed up with me in XXXX asking for my day timeline, and reassured me that the charge would likely be found fraudulent. Months later while looking through past bills, my wife noticed the charge had been reinstated on my account without any additional contact from Chase. 

I have followed up multiple times with the Chase fraud investigation team without success. The investigation team can not give the contact information for the alleged vendor ( some representatives have searched XXXX and suggested a vendor, which is not located near where I was on the day in question -- can confirm detailed day location with other charges and work badge history ). 

The fraud department has said to consider the charge fraudulent, requires me to contact the vendor, however they can not provide contact information. 

After multiple interactions with the fraud department. I attempted to contact the Chase executive office on XX/XX/XXXX by fax and via traditional mail ( they do not allow e-mail or phone contact ). I have not heard back. 

I have included a copy of the letter I sent the executive office, which contains detailed schedule for the day and additional context. 

Thank you!
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

I was on a COVID 19 forebearance and my loan was sold to fay servicing. 
It was my understanding that loans that were placed on COVID 19 foreberance would have all the payments moved to the end of the loan. 
Well, not in my case. They made me apply for a loan modification. 

They declined my loan modification with NO specific reason as to why I am declined. Its EXTREMELY difficult to communicate with them. 

Nobody ever seems to know anything. As I am on hold right now asking WHY was I declined for this loan modification, please be more specific there is no answer Furthermore, why put me on a COVID 19 forebearnce only to NOT help me at the end and then place me into forebearance with zero options What kind of HELP is this. The gentleman I spoke with is XXXX XXXX. This is a joke, I wanted to review my file with him and he refused. He actually told me HOLD ON PLEASE, I have another phone call calling me This clearly shows lack of professionalism and empathy. I told him 20 times that I want to review my file with him, yet he absolutley refused.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MA)

Nexis Lexis is in violation of the Fair Credit Reporting Act ( FCRA ). I contacted Lexis Nexis to obtain a copy of my credit report. I tried obtaining this report on line, however, unlike the corporations who the company serves, deliberately, willfully and negligently is preventing me from obtaining a copy of the report. This is the second attempt of my trying to obtain this report. As a result I lost the opportunity of getting a job that would have paid me over 100,000 dollars per year. I have already sustained severe financial damages as a result of not being able to obtain this report. Nexis Lexis has a double standard, one for the consumer and one for it's clients, in which Nexis Lexis bars the consumer from being able to obtain a copy of the report by deliberately putting in road blocks. Today we tried to get the copy of the report, having waited weeks to hear from Nexus Lexis. We were given a website and the pin number for the second time. This time what happened was the pin number once again does not work. When you call the number, the provide, a computer voice comes on and says that there is no one available to speak with and refers back to a revolving door to nowhere website.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from Experian. 

Please delete the following account : XXXX XXXX Account number : XXXX Balance : {$0.00}
Consumer complaint received 2020-05-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (OR)

The problem I am having is based off of three things : flood insurance for my home ; the type of loan I am in ; and the changing of mortgage companies. 

When I purchased my flood insurance in XXXX of XXXX, my Mortgage company ( at the time ) was well aware that I was going into an FHA loan. One step further, this Mortgage company even helped me acquire my current flood insurance. It was vital that we get the lowest flood insurance possible ; as it was an added expense we could barely afford. 

Then, in XXXX of XXXX our mortgage was bought out by Planet Home Lending. I received a letter in XXXX saying that Planet Home Lending had acquired our mortgage and FDPA requires flood insurance for any property in a flood zone ; BUT Planet Home Lending deemed my current flood insurance : expired, cancelled, or unacceptable. Also, stating that their policy demands an NFIP loan, and quoting me at {$2000.00} ANNUALLY ; when my current flood insurance is {$800.00} ANNUALLY, through the original Mortgage company. 

My discretion is : My loan was sold with very noticeable underwriting guidelines for purchasers to view. Purchasers or buyers are supposed to cross-reference their policies with the current contracts that home-owners are bound to. 

It is clear to me that this did not happen when Planet Home lending bought out our Mortgage from our original Mortgage Company. The criteria in our underwriting was different from Planet Home Lending 's policies, yet they still bought/accepted our mortgage agreement. 

OK, so this is fine, however do not force me into buying a brand new flood insurance that I can not afford. 

So in XXXX, I did contact my insurance agent as I knew something was not right with this new relationship. I informed my agent that I was not quite sure what was going on, since I already had insurance purchased through him ; backed by our Originsl Mortgage Company. My insurance agent then reached out and provided me with Planet Home Lending 's policy, and it appeared that everything was fine. 

I received another letter on XX/XX/XXXX ; and another on XXXX, XXXX XXXX. The letters continued to express that I wasn't covered and that I needed to purchase new Flood Insurance coverage, even though I was already in a contract with current Flood Insurance. 

I do understand that Planet Home Lending has their own policies, and I do understand that mortgages are often bought out. However, I think it is completely unfair to me ; as purchasing a new insurance will surely put me into financial harm. 

I did not do anything wrong ... Planet Home Lending should own up to their own mistake of buying a mortgage whose terms they did not agree to. 

Thanks.
Consumer complaint received 2020-05-07
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. (NC)

XXXX  drop my score 75 points for no reason after starting a reed investigation for no reason. TransUnion continues to post the web bank account on my report as XXXX  has.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

All three credit bureaus are not responding to my request to have all FREEZES or Security Alerts removed from my credit report. When I apply for credit the creditors tell me they can not access my file. The credit bureaus have not responded to my request to have all of these removed and thus it is a VIOLATION of the FCRA. 

Also I am still seeing Negative remarks on my accounts such as " Consumer Disagrees after investigation or Consumer Disputes..Dispute Resolved. '' They are also placing illegal dispute codes or history and status codes on my file to intentionally hurt me and I want all negative, irrelevant, illegal, untrue statements as mentioned to be fully removed from my file. These codes may go unnoticed by a regular person but I see them and know what they are up to. 

The credit bureaus are placing dispute codes, or comments on accounts that I have never disputed which have zero late pays and perfect credit history, so why would I dispute them. THIS IS WHY I AM NOT GOING TO LIST ANY SPECIFIC COMPANY THIS TIME SO THAT THEY CAN NOT FALL BACK ON PLACING ANOTHER DISPUTE CODE ON MY FILE. I AM REQUESTING THAT ALL DISPUTE, HISTORY AND STATUS CODES AS WELL AS ILLEGAL, IMPERMISSIBLE COMMENTS BE REMOVED FROM ALL ACCOUNTS AS NONE OF THEM HAVE BEEN AT ANY TIME DISPUTED OR ARE CURRENTLY IN DISPUTE. THE CREDIT BUREAUS ARE TAKING ADVANTAGE OF COVID-19 BY PLACING THESE FALSE STATEMENTS ON MY ACCOUNT AND THAT NEEDS TO BE DEALT WITH IMMEDIATEL The bureaus have been issued a letter from my attorney and they are refusing to comply with the Federal law that everything on my personal credit file has to be complete, accurate and verifiable. They are illegally doing things to my file and other peoples files that should warrant a full investigation. 

Lastly they are reporting FALSE addresses on my file as well. The only personal address that should be listed on my file is. 

XXXX XXXX XXXX XXXX XXXX, CO XXXX. There should be NO OTHER ADDRESS being reported on my file. 

THE ONLY NAME SHOULD READ AS XXXX XXXX XXXX EMPLOYER : XXXX XXXX  YOU HAVE 30 DAYS TO COMPLY OR FACE A LAW SUIT
Consumer complaint received 2022-06-17
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. (TX)

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but XXXX and Transunion has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNT ARE DISCHARGED BANKRUPTCIES THAT ARE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THIS ACCOUNT IS HURTING MY CREDIT TREMENDOUSLY AND I AM REQUESTING IMMEDIATE REMOVAL FROM THE THREE REPORTING CREDIT BUREAUS.
Consumer complaint received 2021-07-21
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. (IA)

I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.