davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MT)

I purchased a home in XXXX of this year ( 2021 ). My first payment was due in XXXX and I paid my mortgage on time to the servicer which was XXXX. I later received a letter from JP mortgage Chase indicating that they acquired my loan and that, begging XX/XX/XXXX, I was required to send my payments to them and to forgo any payments to XXXX XXXX. I contacted JP Morgan Chase to confirm that they had acquired the loan ( as I had not received a letter from XXXX indicating that the loan had been sold ) and Chase confirmed that the information that was provided in the letter was accurate and that I should pay them beginning XXXX XXXX, 2021. I therefore, paid Chase via automatic payments for my XXXX mortgage. 

Since then, Guaranteed Rate sent me a letter indicating that I am delinquent on my XXXX payment and that they have no record of my loan being transferred. JP mortgage Chase is indicating that this is in error and that they absolutely acquired my loan. Ive attempted to resolve the issue and have been in contact with both mortgage providers but each of them continually give me instructions to communicate to the other provider. I feel that the consumer ( myself ), should not be the delegate between XXXX separate mortgage companies about a transaction that they initiated without my involvement. Both companies XXXX Chase XXXX XXXX ) are informing me to make my XXXX payments to them and Guaranteed Rate continually indicates that I am overdue ( despite the fact that Chase already applied my XXXX payment to the outstanding mortgage balance ). 

In summary, I need help determining who is the proper owner of my mortgage. I will make the payments without issue as long as I know who to make the payments to. However, as it stands, I have XXXX companies, indicating that I own them monthly payments in the exact same amount ( for the same property ). In effect, my mortgage has just doubled. I need assistance in getting the XXXX companies to correspond so that this matter can be cleared up. Thank you ion advance for your help.
Consumer complaint received 2021-10-16
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. (NV)

To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definiton of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''. Notice congess said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Sworn : XX/XX/2021 Signed : XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I disputed a bankruptcy on my credit report online with TransunionXX/XX/XXXX21. After completing the dispute, I received an email saying that the dispute was received and the investigation is in progress. The next day I noticed an email that says that the dispute was complete and the results are available. However, when I logged into my Transunion account I could no longer see the dispute from the previous night. I can only see the disputes from the previous month regarding some student loan accounts. Also, to my surprise the bankruptcy account has new information added to it. But, the purpose of the dispute was how it was validated and with whom not the contents of it. 

I think that Transunion removed my dispute and attempted to reconcile the information provided to avoid having to remove the account because they couldnt prove that the account was validated and by the court.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (TX)

In XXXX I purchased furniture from XXXX XXXX in XXXX, Tx. I started making payments in XXXX of 2022 to XXXX Bank, and I've made each one. When I started the process of buying a home, once my credit report was run it showed that I was XXXX payments behind on my XXXX XXXX payments. I went back to the store to find out what the problem was. A new store manager explained to that my account was split between XXXX creditors. XXXX Bank and TD XXXX, I was completely unaware that I was supposed to be making payments for XXXX account to XXXX separate creditors. My account was split between both to facilitate the sale and I had no clue. He apologized and gave me the number and advised me to call XXXX XXXX. I only received payment notifications from XXXX Bank, not XXXX XXXX. If I had known this, I would have been making my payments to both companies because I am able to do so. After speaking to the representative at TD XXXX  I was given my acct #, the past due, and the due dates. I explained to the rep and a XXXX what happened, and I will be taking care of the late payments tomorrow XX/XX/XXXX and making the regular payment on the XXXX. I asked once I make the past due how long will it take for them to remove the late payments from my credit report, because I essentially had no clue that they existed and was supposed to be paying them also, and it's making it more difficult for me to buy a home. I was told once they investigate and it's verified, I'm telling the truth, then they can see about removing the lates from my credit report. I do not think this is fair.
Consumer complaint received 2020-05-15
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. (CO)

Every single credit bureau has listed incorrect or old outdated personal information in my file. 

The following is the only information that should be reported. 

1. NAME : XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. Employer : XXXX All other names and sub-names should be deleted. 
All Old address that do not pertain to me as of right now should be deleted. 
All Old employers that do not pertain to me as of right now should be deleted. 

Failure to delete and correct the requested information will result in a legal notice from my attorney on this matter.
Consumer complaint received 2022-04-24
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. (CA)

Experian stated that the following account was verified XXXX  ( XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits . Experian was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Consumer complaint received 2021-05-12
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. (RI)

Dear Credit Bureau ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.
Consumer complaint received 2022-05-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc. (WI)

After I closed on my home I noticed on my closing documents that my income was much more than it actually was. I had told the mortgage company that I got a {$500.00} bonus every XXXX, once a year. They added it to my income but instead of only at XXXX they added it as a monthly bonus. They also added {$100.00} as extra monthly income. I have told them many times about this and they wont address it. That's {$7200.00} a year they added to my income. I specifically remember telling them it was a XXXX bonus. I feel they did it on purpose. They added it to my income so they should pay it. For the life of the loan.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pinnacle Asset Management, LLC (TX)

Received phone call from XXXX. They informed me that someone was trying to locate me. Would not tell me who and told me they were with Judicial location services ( which does not exsist ) and gave me a case number " XXXX '' and a XXXX to call and get taken care of. When I called the number it was a generic voice prompt. The person who got on the line said they were with pinnacle proceedings. I told him thank you I was trying to figure out who called me. His response was " we dont call people XXXX ''. And hung up. I never identified myself in the phone call. I found out that 5 mins after I got called my mother-in-law also got a call saying someone was trying to locate me and they wanted my place of employment.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, My name is XXXX and I am a XXXX XXXX owner. Over the years I have had a hard time keeping my personal credit score stable. ( XXXX ) I pay most of my personal and XXXX  bills on time and in most cases early, which I have proof of. My problem with XXXX and the other credit reporting companies and credit card companies is that they DO NOT separate XXXX XXXX  credit/history with the XXXX XXXX XXXX  personal credit. For example : I have five XXXX credit cards and those XXXX use those cards on a daily basis. As the company issued credit line begins to be used this begins to heavily impact my credit score thus causing it to fluctuate literally weekly. I would understand if this was a new account but we have been with the credit card company for years. Here is the problem. If the credit card company solicited my XXXX and issued the XXXX  multiple credit cards but reports the credit usage to my personal credit report then why doesn't XXXX and the others have a XXXX  credit report section/division? I am willing to bet this is not an isolated thing and that many of us XXXX XXXX owner 's are having the same problem. Because of this ongoing issue, I have had a hard time getting loans to buy a house and automobiles. I understand the " personal guarantor '' purpose the XXXX XXXX must sign to have ultimate responsibility for the credit card usage but that does not absolve the company from being responsible as well and only reiterates the aforementioned. Separation of XXXX and Personal I feel this is something that has class action written all over it and am ready to retain an attorney to start the process. By the way, when I used and occasionally still do, my business XXXX XXXX card for over XXXX XXXX dollars annually my credit problems did not exist. Now that vendors do not want to take XXXX I have been forced to switch to others. Another issue I have found is that it seems reporting to the credit bureaus by the credit card companies is optional and at their discretion. Or in other words : " pay on time and we could care less, pay late and we will report you ''. The only reason I would think they would do that is to warn others ( credit card companies ) not to issue credit to or " black list '' you. I would expect it is the CFPB 's job to ensure the credit playing field is played equally and fairly by both the consumer 's side and the credit card/credit bureaus side . 

Please let me know if you can help before this gets really expensive for me. Thanks again for your time.
Consumer complaint received 2022-07-11
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. (TN)

Ive been sending in disputes to remove these accounts off my credit. I didnt know these accounts where on my credit until I tried to purchase a home. These are not my accounts.
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have tried to log in into my Transunion account to unfreeze my credit report to open an account with XXXX XXXX. XXXX XXXX requires credit reports from the three bureaus. While I had no problem with XXXX and XXXX, Transunion denies me access to that function. Called them and chatted with them, and they offered to do it for me, but that is not good enough. I need to do it myself so I can freeze/unfreeze as needed. Spent hours trying to have Transunion to give me access but they are just not able to do it : they ask me to fill forms, which I do, but despite their promises of escalating to their technical staff, I never heard from them. RIght now I don't know if my Transunion credit report is frozen or unfrozen. When I call, it takes a long time to get to anybody, and the representatives are very hard to understand or the phone line is of very poor quality. I tried just now to chat, and " XXXX '' asked me to open a new account. I don't need a new account -- I already have one! I want access.
Consumer complaint received 2021-05-12
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. (RI)

Dear Credit Bureau ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.
Consumer complaint received 2022-05-03
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. (CO)

I have reached out to both XXXX XXXX  and XXXX  and have spoken on the phone with agents from each company more than 5 separate times. I have made on time payments for the months of XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX XXXX continues to report failed or missed payments for XXXX, XXXX and XX/XX/2022. XXXX is now reflecting as on time but I still need XXXX, XXXX and XXXX updated. The agents I have spoken with in the past have told me to wait until the new month and all would be reported correctly but I have now waited 2 months with no resolution. I reached out to XXXX XXXX via their website chat and was told to open a dispute with TransUnion, I created a dispute with Transunion twice and the payments are still reflecting as late for XXXX and XX/XX/2022. I am looking to buy a home soon and need this resolved as soon as possible.
Consumer complaint received 2021-10-16
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: Colony Brands, Inc. (CA)

To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. Ginny 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, XXXX XXXX and XXXX, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from XXXX and XXXX XXXX both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my XXXX account, and it is stated that my account with Ginny 's has been closed. It won't even show on my XXXX XXXX account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.
Consumer complaint received 2021-10-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I have spoken with several employees XX/XX/XXXX at Credit Acceptance on different dates confirming that my 1st date of delinquency was XX/XX/XXXX but this company continues to report it as XX/XX/XXXX to the bureaus.They have sent me an invoice that clearly shows XX/XX/XXXX as the 1st date of delinquency. Ive been bounced around by management telling me to contact the bureaus because theyre the parties that are reporting this to my credit. I called each bureau only to be told that they only update what the Lender sends in. This account has been on my credit for over 7 years and should have been removed months ago. Since my dispute in XX/XX/XXXX Credit Acceptance has removed this from XXXX but keeps reporting to XXXX and XXXX that the information is correct when in fact it isnt. This is negligence on their part and illegal. Obviously they are aware that it should no longer be reporting because it was removed from XXXX. This needs to be removed immediately.
Consumer complaint received 2024-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I visited the XXXX & XXXX XXXX. Bank of America located XXXX XXXX XXXX XXXX, XXXX, AZ XXXX on XXXX, XX/XX/year> at approximately XXXX. I asked the teller to withdraw {$200.00} from my checking account. I provided the teller my Drivers License. The teller asked me for my debt/atm card. I told her I do not have it with me. They refused to provide me the money because I did not have my debt/atm card. I have been a customer of BofA for over 20 years AND I have over $ XXXX in all of my accounts with BofA. This particular account that I was withdrawing from, contained over $ XXXX! I was asking for only {$200.00}. The teller sent me to the XXXX to discuss it. The XXXX continue to tell me that my phone number was not 'verified ' and/or I don't have the BofA App. What? I explained to her that I should not need a phone number, app or a debit card to withdraw my money. I was asked to step into a private room to discuss further. I showed the XXXX my cell phone where I receive text messages from BofA showing my account balances/ activity on these accounts. I told her that I have had this same phone number for 20 years and BofA has this cell phone number in my account on file. The manger proceeded to treat me like a criminal and to record our conversation. Please review this video, as I feel this is discrimination. I am a women. I called my husband and he said to have the bank call him, if there is a problem. They basically said they can't provide me any of my requested money and I left the branch.
Consumer complaint received 2020-10-24
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: Synovus Bank (IN)

I called XXXX  and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score