davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I was not approved for two loan modification requests. Chase would not accept the income from my tenants who payed me in cash, even though the tenants agreed to sign a notarized statement confirming the payments they made. 
CHASE also said I was not on the loan documentation, but I did sign the original loan documents ( not the line of credit ) and therefore I was not eligible for Modification help. 
Due to being ineligible for help, I listed my house for sale and sent CHASE the agreement to purchase and escrow papers on XX/XX/2018. I kept in touch with CHASE Representative, XXXX XXXX and informed her of the sale progress. 
XX/XX/2018- I receive a call from CHASE represantaive XXXX XXXX informing me CHASE is still researching my request for waived late fees on my loan due to their delays in processing the modification request. We discuss, as we had in past calls, that the house is in escrow, scheduled to close XX/XX/2018. 
XX/XX/3018- I receive a letter from CHASE thanking me for my request for a short sale. I NEVER requested an application or information pertaining to a short sale! I have equity in my house and would not qualify for a short sale! 
XX/XX/2018- I receive a second letter from CHASE stating they have filed a foreclosure and I owe them filing and attorney fees!!!! 
I have equity in my house, enough to cover my missed payments and they are starting a foreclosure on a house in escrow scheduled to close XX/XX/2018! 
I have borrowed money to do costly repairs to my house to assure escrow closes. I have removed asbestos, done septic inspection and pumping, scheduled termite repair and tentin/ fumigation. My tenants have moved, with the exception of two. 
I have started packing my belongings! Now CHASE is starting a foreclosure!!! I informed them of the sale and sent them the documentation! This is a blatant attempt to steal the equity in my home by charging attorney fees and a deceitful attempt to disrupt the sale of my home! 
Please stop these venomous acts towards a single Grandmother who has struggled and fought to stay in her house and once I was denied did everything in her power to sell the house and meet all the requirements to close the escrow in a timely manner. Do not let CHASE destroy the escrow process by foreclosing on a house in escrow!
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, 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. (CA)

I have mulitiple hard inquiries I never authorized. I have disputed multiple times without them being deleted or updated. XXXX  is the only one that fixed because I was in their breach These inquiries I did not authorize or request XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This one is a duplicateXXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX duplicate already done in XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2015 XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On Transunion I have multiple inquiries I have disputed and never authorized. They need to be removed from my report immediately. XXXX has fixed theirs since I was part of the breach These ones I did not authorize XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX  Finance  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance
Consumer complaint received 2018-11-27
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. (CA)

Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX
Consumer complaint received 2020-11-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

This company cardinal financial told me to qualify for this mortgage I needed a larger down payment and everything would be fine due to the fact that my dti was too high Not true because I have next to no debt at all and they acknowledged that They strung me along and when I showed proof of the larger down payment they still denied me after stringing me along till I almost lost my escrow deposit I believe they discriminated against me because of my race
Consumer complaint received 2018-11-27
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. (CA)

Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX
Consumer complaint received 2018-11-27
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. (CA)

On XX/XX/2018 I used a credit monitoring service to review my credit as I am about to purchase a home and found several erroneous accounts dating back to XXXX. I have not opened or authorized anyone to open accounts with 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9.XXXX XXXX XXXX 10. XXXX XXXX XXXX in my name at any time.
Consumer complaint received 2018-11-27
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. (AZ)

Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts 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,
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

My credit card with CARE CREDIT gave me six months with 0 % interest. I made all of my payments on time, in fact before the due date. After the six months, I was billed for the interest that were supposed to be 0. I called and was told by the agent at Care Credit that they saved the interest in a bucket and just added it to my bill at the end of six months. THAT IS DECEPTIVE. They clearly told me six months of no interest
Consumer complaint received 2018-11-26
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. (CA)

On XX/XX/XXXX I attempted to obtain a credit card from XXXX XXXX. I used my phone and appropriate PINs to unfreeze my credit at XXXX XXXX and XXXX for one day. I was unable to unfreeze my credit at XXXX because their automated system no longer provides the option to unfreeze credit. That was unexpected as I previously have done it several times in XXXX, XXXX and XXXX via the same Experian PIN and phone number XXXX. I also tried an alternate Experian number XXXX and encountered the same unhelpful automated system. 


Even after significant effort, I was unable to find any means to contact a live person at Experian with whom I could discuss the problem. 


The helpful clerk at XXXX XXXX suggested I contact the XXXX XXXX Credit Card Department at XXXX to see if there was a work around. My credit application number was XXXX. The contact at XXXX was XXXX at XXXX XXXX. Both she and her manager informed me there was nothing they could do and that I should re-apply for credit in 30 days! 


Although my credit is good, the inability to temporarily unfreeze my Experian credit prevented me from obtaining a XXXX XXXX credit card.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Consumer complaint received 2018-11-26
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. (CA)

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, CA XXXX CU XXXX
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have faxed and mailed my state ID card and social security to Equifax consumer reporting agency for three ( 3 ) times asking them to remove the fraud alerts from my credit file. They never remove them. When I contact them over the phone to request it to be removed they just give me hard time by transferring from one department to another and when an agent picks up the phone he asks me over twenty questions to " verify my identity ''. At the end they tell me that they would remove the alerts from my credit file but after a week I receive a letter from Equifax in which they state that they have added an extended fraud alert on my Equifax credit report. And the worst part is that they also notify XXXX and XXXX XXXX to add an extended fraud alert on my credit files which never requested by me. 
It is just waist of time to deal with Equifax. It has been over a month I am sending Equifax letters asking them to remove fraud alerts from my credit report .... 
So far no results ...
Consumer complaint received 2018-11-26
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. (CA)

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX  ( Original Creditor : MEDICAL ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-19
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. (DC)

The U.S. Government, Department of Health and Human Services, Program Support Center attempted to collect a debt from me but would not verify the debt, the amount owed, or tell me how to pay it. Yet the debt collections are now appearing on my XXXX credit report and hurting my score. On XX/XX/XXXX I received a letter from XXXX ( scan attached ) that I was seriously delinquent on a debt to the government. This was the first letter I had received regarding this debt, and the letter did not give the amount owed or a method for repaying. It did provide a phone number, which I called, only to be directed to an inbox that was too full to accept messages. On XX/XX/XXXX, after searching an XXXX employee directory, I located the email address of a contact at XXXX XXXX, XXXX XXXX. I emailed her and she indicated she would ask XXXX for more information and provide it to me ( usually within 24 hours ). I followed up several times and XXXX XXXX was still not able to obtain information about this debt. ( These emails are attached. ) On XX/XX/XXXX I sent a certified letter to XXXX ( attached ) which was received on XX/XX/XXXX and signed for by XXXX XXXX ( attached ), requesting verification of this debt. Once I finally was told the amount owed, I paid it in full immediately. 

Due to the fact that I was a ) not informed of this debt until it was sent to collections and being reported as delinquent on my credit reports, and b ) even after I was notified of the debt it took jumping through many hoops to find out how much I owed and how to pay it, and c ) once I finally got that information, paid the amounts in full immediately, these accounts should not be reported on my credit reports as delinquent. I have requested that they be removed and my requests have repeatedly been ignored. I want these delinquent accounts removed from my credit reports.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (MS)

I have a large amount of hard inquires on my credit report with each credit report agency. I can verify the ones I consented to but I don't have knowledge of the others. I have not given my permission to check my credit. Unfortunately I am in the process of a divorce and my soon to be ex has been very free in the past with my personal information to obtain credit. I'm frustrated and I have been working hard to get my credit back to good and this is a huge set back. Can you please help. their customer service would not help and take care of the negative inquiries reporting to your credit bureaus. 

My name is XXXX XXXX XXXX has the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 DIFFERENT TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX has the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has the following : XXXX ( 3x 'S ) XXXX XXXX XXXX XXXX ( 2'xS ) XXXX XXXX XXXX
Consumer complaint received 2024-12-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc. (CT)

They have called, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 

On XX/XX/year> and XX/XX/year> they were rude and would not provide the company they were calling from. 

On XX/XX/year> and XX/XX/year> I spoke with an agent and they could not confirm my personal information, they provided me with an incorrect Date of Birth that does not belong to me or anyone in my family. 

I request proof of my personal information prior to proceeding paying for an item that did not have my correct information. Any doctors office, hospital or medical facility has you check and confirm your name and date of birth multiple time to confirm so how would this be inaccurate if it is my bill. 

Even when you try and pull the bill up online it asks for Date of Birth, there is nothing on file with my Date of Birth. 

As of currently XX/XX/year> I have received no documentation.
Consumer complaint received 2018-11-25
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. (FL)

On XX/XX/XXXX, I disputed the following accounts below and Transunion told me the accounts were verified as accurate. However The " DATE UPDATED " DID NOT CHANGE. It appears that no investigation was actually done. ALSO TRANSUNION DID NOT PROVIDE WITH " NO METHOLD OF VERIFICATION ''. I am asking for Deletion because Transunion did not follow the procedure as outlined in the FCRA '' AND THEY ARE VIOLATING THE LAW. 

XXXX XXXX XXXX DOCKET # XXXX DATE UPDATED XX/XX/XXXX DID NOT CHANGE, courts don't verify Public Record, please provide me with person, who you spoken to. 

XXXX XXXX # XXXX, Date Updated XX/XX/XXXX did not change XXXX XXXX # XXXX Dated update XX/XX/XXXX did not change XXXX # XXXX ' date updateD XX/XX/XXXX did not change XXXX XXXX # XXXX date opened XX/XX/XXXX Date updated XX/XX/XXXX did not change XXXX XXXX # XXXX, date updated XX/XX/XXXX did not change XXXX XXXX # XXXX, date update XX/XX/XXXX did not change XXXX XXXX # XXXX Date updateD XX/XX/XXXX did not change XXXX XXXX # XXXX, DATE UPDATED XX/XX/XXXX DID NOT CHANGE
Consumer complaint received 2023-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (CO)

Have been trying to get {$4300.00} out of savings account since XX/XX/XXXX due to involuntary closure. American Express National Bank has said they sent letter of indemnity to XXXX XXXX XXXX for return of funds ACH, although with cooperation of XXXX XXXX XXXX, they confirm that American Express National Bank has never sent the letter of indemnity ( American Express Representatives are lying ). XXXX requested confirmation of date/time/fax number, American Express will not provide , and later a representative admitted/confirmed they did not actually send the document. XXXX XXXX stated it was sent on XX/XX/XXXX which is an outright lie based on his collegues responses and the lack of receipt by XXXX XXXX XXXX ( Fax XXXX and fax XXXX ). This has taken more than a month and 20+ calls both banks/, this is despicable and they are holding on to {$4300.00} of my money and I have no way to return the funds or return custody. The bank will not cooperate and has repeatedly lied about sending required documentation for XXXX return of funds, as well as UDAAP concerns and repeated lies. 


Also UDAAP concern : When speaking with representative of company XXXX XXXX XXXX Fraud department, I requested to speak with a manager, XXXX said he would have manager call me, this was a outright lie and I never received a call.
Consumer complaint received 2018-11-25
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. (TN)

I have mailed all three credit bureaus about this account reporting incomplete and inaccurate information on my credit report. Dates ( XXXX-18, and XXXX-18 ) and its still getting verified without any legitimate proof of verification. I would like this account removed it is hurting my credit, Im not sure how this account remains and it is not mines, I have provided my driver license and mail stating my address and name. Account number XXXX, also I have received repsonses saying verified or updated, meaning this account was being reported inaccurate.