davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX {$150000.00} requested transfer to local XXXX XXXX, at which time Chase Bank froze the account and has been virtually impossible to contact or deal with. Not to mention very rude, discourteous, and even disconnecting phone conversations .To this date of XX/XX/XXXX, have been unable to resolve.Our attorney and banking representatives that we do business with have advised and stated Chase bank has no legal rite to do what they're doing.They were supplied with documentation needed to proceed.This was an account that I was The second signature and the individual that was the first signature passed. Death certificate, copy of will given to no avail.Attorney commented that it wasn't necessary as I was clearly second signature and owner of the account to dispose of as I wish.I feel totally helpless and severely discriminated as a Veteran to have this banking company to be able to have this type of control without a resource for solution for any individual doing business with them
Consumer complaint received 2022-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Shellpoint Mortgage XXXX XXXX XXXX XXXX, TX XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Owner : XXXXXXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Shellpoint ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although Shellpoint is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled. 

Therefore, because Shellpoint has been the designated loan servicer, I am asking that you look into the following issues : Did the servicer give me a fair opportunity to be evaluated under XXXX ( and all relevant laws ), because my application was denied for lack of documents despite Shellpoint previously acknowledging that my loan modification/RMA packet ( packet ) was complete? 

There was a sale that took place on XXXX XXXX, is Shellpoint intentionally declining to review my subsequent packet? 

For what reason ( s ) am I ineligible for co-signer release? And, if I am not truly eligible, can you help me understand the reasons why I would be deemed ineligible? 

In order to determine if I am eligibleand because I would like to receive the documents requested per a qualified written request ( QWR ) I had sent to Shellpoint. The timeline to provide me documentation per the QWR has passed. Can you assist me in requesting the loan servicer to provide me ALL of the requested documents I am legally entitle to? 

At present, there is no sale date on my subject property. From my review of the laws under XXXX, I understand that your office has the authority to investigate these types of matters and I am requesting the CFPB to assist me. 

Thank you, and if you have any questions other concerns, please do not hesitate to contact me at the address set forth above. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-05
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (LA)

I'm having an issue with a debt collector for a student loan. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, ( XXXX ) contacted me yesterday by phone to collect on a student loan debt. My son and I have the same name, but he's referred to as XXXX XXXX XXXX. He makes payments on the debt. I've requested in writing to XXXX that they only contact me in writing ( not by phone ). I explained to the rep that I would call my son and have him check on his payments. The rep was very aggressive and would not accept my reply-so I ended the call. My son made a payment that day- but I was informed that my credit was pulled that day without my consent for new account activity. When my son called to find out why, they explained that they can pull my credit at anytime. 

I believe this was done in retaliation. I would like to file a formal complaint about XXXX 's methods and procedures for collecting debts. As stated, I've requested from them several times not to contact me by phone. XXXX 's tactics are meant to financially harm consumers by distorting credit reportings.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Hello, starting on XX/XX/2022, I applied for an apartment in New Jersey, because of my employment work relocation ( XXXX  ). Although, my application was denied. I inquired with the apartment leasing office the rationale why my application was denied and was informed, the leasing office ran my application and could not receive my Experian credit score. This is devastating, I'm a XXXX  and my employment depends on my ability to support my organization. As a XXXX man, my family had to step in and co-sign for an apartment so I could relocate in schedule. Once, I was settled in my new location, my XXXX car had engine problems, probably due to the XXXX XXXX XXXX trip to my new location. I applied online for an auto loan with XXXX XXXX, who financed my previous two vehicles. Within 20 seconds, I received a computer-generated response, my credit report was denied. I have " never '' missed a payment and paid both cars off early. I have never been late or missed any payments. I contacted XXXX XXXX  and were also informed ; they couldn't get my Experian consumer credit report. I created and Experian account and sign-on to my account. AS THE ACCOUNT OWNER, I COULD'NT GET MY CONSUMER CREDIT REPORT. I called numerous time s to no avail, NO SUPPORT and were told. you don't have any open account. WELL ASSESS OR SCORE THE CURRENTLY CLOSED ACCOUNTS. this is destroying me, I CAN'T GET CREDIT, APARTMENT, HOME LOANS, or anything tat I can't pay cash for. I need someone to correct this AS SOON AS POSSIBLE, I NEED MY CREIDT SCORE. If Experian is going to be a consumer credit reporting entity, they should be held accountable.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX Date Open : XX/XX/2005 Balance : {$25000.00}.
Consumer complaint received 2023-03-28
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: WELLS FARGO & COMPANY (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX Date Open : XX/XX/2005 Balance : {$25000.00}.
Consumer complaint received 2022-08-06
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)

I previously sent a letter addressed to the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the IDTHEFT REPORT I receivied from the FTC for reporting the theft of my identity. I have read that all these attachents are required for the removal of the fraudulent items being reported on my Credit File. I Under the FCRA, the Credit reporting agencies are requirede to remove any account and information that resulted due to Identity theft. But despite all my efforts and undertanding of the Federal law, the Credit Bureaus are still reporting these items without proper verification. I am submitting this complaint to protect my rights under the FCRA which is clearly being violated by the Credit Bureaus. If the Credit Bureaus continue to report the disputed items without proper verification, I will be forced to take legal action and sue the Credit Bureaus for the damages I acquired from the Credit Bureaus indifference. I need the following items removed as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

I would like for the DIVERSIFIED ADJUSTMENT to show proof of verification that I owe them {$300.00} with ACCOUNT # XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX, I reached out XXXX to ask questions concerning a disturbing hit on my credit report concerning the purchase of a bed, that I had no clue in regards to this purchase! This company stated I did an over the phone settlement in which that was not true bc I have been fighting legally to remove items that where and have been removed due to proof of these items not being mine! During this time, I was not living at this residence! I moved out XX/XX/XXXX right after the delivery of my XXXX! Neither did they speak to me, my exhusband was living at this address along with his companion. On XX/XX/XXXX I received an UNSIGNED contract from XXXX.I have vehemently asked XXXX for a voice recording to verify my voice and a signed contract bearing my signature in which they have not provided either! I have gone to the sir named furniture company which is under New Management to ask for a secured contract and they had no clue and could not present me one!!! I have disputed this through Experian for a consecutive 7 months and they repeatedly continue to update it after I have sent them the contract bearing no signature! In my research, according to the Fair Credit Reporting Act, if there is a significant proof of my signature this has to be removed if not given in 30 days and its been 7 months! Please I am asking for your reinforcement and assistance with removing this from my credit report! I dont have bad credit at all, I am integral concerning debt! Please assist me! I believe that Experian is not taking the tone to research my dispute but have repeatedly ran my letters through the processor of scanning letters and has not taken the proper and integral steps according to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure requested. Every month they and XXXX are in contempt of the 30 day required timeline to supply proof with my signature. I am trying to purchase a home and this is a derogatory and Thank you
Consumer complaint received 2022-08-06
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. (MD)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2022-09-06
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: SYNCHRONY FINANCIAL (MD)

I have reached out to Synchrony Bank/PayPal Credit several times about the {$4500.00} of unauthorized charges and removal of the delinquent payments showing on my credit report due to identity theft. My account has been up to date without any delinquent payments until my identity was stolen in late XX/XX/XXXX. After not getting any satisfaction via telephone, I sent them a dispute letter on XX/XX/XXXX. On XX/XX/XXXX, they responded by attaching monthly billing statements for XXXX and XXXX onlynot showing the unauthorized charges in question. While disputing the unauthorized charges, Synchrony Bank/PayPal Credit continued to charge late fees and assess interest on the disputed balance. 

On XX/XX/XXXX, I sent a certified return receipt response letter asking for verification of charges. This letter was delivered and signed for on XX/XX/XXXX. After no response. I filed an Identity Theft Report with the Federal Trade Commission. On XX/XX/XXXX, I sent a certified return receipt letter and FTC Reportthis letter was delivered and signed for on XX/XX/XXXX. To date, I have not received any information about my dispute. Synchrony Bank/PayPal Credit has mishandled my dispute about identity theft by not acknowledging my complaint and did not provide me with an explanation for rejecting my complaint. Synchrony Bank/PayPal Credit has engaged in unfair acts or practices in violation of the CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ).
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I previously disputed XXXXXXXX XXXX account ( XXXX ) due to identity theft and submitted supporting documentation and an Identity Theft affidavit. An investigation was conducted resulting in both disputed accounts being deleted. However, the XXXXXXXX XXXX account XXXX has been reinserted into my credit report. I was never notified by Experian as required by FCRA 611 Procedures in case on disputed accuracy [ 15 U.S.C. 1681i ] ( 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. 

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information.
Consumer complaint received 2021-08-10
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax wasXX/XX/XXXX, but no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-09-27
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: Caliber Home Loans, Inc. (NC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Blakely-Witt and Associates, Inc. (TX)

On XX/XX/2021, BLAKELY WITT & ASSOC. added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, BLAKELY WITT & ASSOC. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-25
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: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX I went on the website call XXXX to buy a XXXX XXXX. I noticed the website looked strange and I forgot to back out of the site. I had put my info in and I guess it went thru. I sent the company a email I never had back. I called my back I thought my card was lost since I never had purchased anything. I call the CC company about the card. They said I made the purchase I wanted the information they got from the company that had no info Telephone number or a tracking number they had none of the information. The company was fake site and my money was gone and the CC didnt do anything.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received a credit card in the mail XX/XX/2022 from Bank of AmericaXXXX XXXX XXXX XXXX I did not apply for this card and call BoA. They have all my personal information including social and there is a credit limit of XXXX XXXX dollars. This was opened fraudulent and I have now frozen my 3 major credit report monitoring companies.
Consumer complaint received 2022-12-15
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.