davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

We applied to refinance our current home loan XX/XX/XXXX. We were pre-approved and given an interest rate of 2.875 %. However, we later learned that our mortgage is classified as a Home Equity loan, so the rate will be higher ( 3.625 % ). We have never applied for a home equity loan, so we requested a copy of the original note, via telephone conversation with the bank rep on XXXX/XXXX/16. The rep was unable to locate the paperwork, so a request to locate a copy of the loan was put in. Estimated time to locate the documents was 3 days. After not receiving the documents, I called again on XXXX/XXXX/16 and was told a hard copy was mailed to me on XXXX/XXXX/16. On XXXX/XXXX/16 I called again because I had not received anything. I was told the original owner of the notes to locate the loan papers would call me directly. On XXXX/XXXX/16, no response, so I called back and was told a letter indicating documents could not be found was sent on XXXX/XXXX/16 and further research was being done. We received 3 letters from CHASE indicating the loan papers could not be located. On XXXX XXXX, 2016, we sent a certified RESPA letter to CHASE. Our request was " escalated ''. We received several phone calls from the bank 's rep, each time indicating that the " home equity '' loan papers could not be located. Phone call : XXXX/XXXX/16 -- issue still being researched. Phone call : XXXX/XXXX/16 -- 'still in review by legal partners, no update at this time '. Phone call : XXXX/XXXX/2016 -- 'Upper management and the legal department working to find a resolution '. Phone call : XXXX/XXXX/16 -- According to bank records, our loan is 'classified as a home equity loan, but put in XXXX mortgage position '. ( Please note that CHASE recognizes that the loan was incorrectly coded ). They are unable to locate the original note. As a resolution, they will send a Lost Note Affidavit with the same information as the actual original note and send us a letter.
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

so on the  XXXX  of  XXXX    XXXX   I received an email from Best B uy ( BB ) th anking me for my order. the email was timestamped  XXXX .     But I did n't order anything.     I found the email and read it sometime before   XXXX   XXXX   XXXX   that day because I had already call ed citibank/bestbuy had the car d canceled and changed my password on all my accounts. My balance on the card is  XXXX  today.     However I wondered what would happen to the {$1600.00} laptop that was ordered. Would BB actually ship it? I was dismayed to learn that even no more than  90  min after the order was made e ven CS at BB could  not cancel the order but they informed me that the matter had been sent to their fraud department whatever that means. I have to say that th e BB CS was abysmal I can t imagine anyt hing worse. They didn ' t seem to care about the fraud, or want to discuss what would happen next but they were very interested in verifying my identity. This order was made online and I ha ve the BB  card, it has never left this house.     The person receiving the order is "  XXXX   XXXX   XXXX  '' in  XXXX   XXXX   XXXX   XXXX   XXXX  NJ.   Needless to say orders are not charged until shipped an d Citicards/BB said  it would not ship as there was no valid card active.     However it did ship and is on its way. I have been told that I am not responsible as I reported the fraud before it was shipped but what I want to know whose card was charged or is this a ploy of UPS/BB to intercept and arrest whoever signs for the package on the  XXXX  of  XXXX ??   I have not been able to get any assistance from  CIti or Best Buy on this matter and I am turning to you to help me understand since BB will no t or can not tell me why they sent  XXXX  dollar order that no one had paid for.     I tried to contact  XXXX  but there was no way to do so, I tried to call the police department in  XXXX   XXXX  but they hung up on me. Nobody wants to stop this crime.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Boeing employees credit union recently reported my current home loan as derogatory, and closed due to chapter  XXXX  bankruptcy and now my excellent credit has dropped  XXXX  points at one credit bureau. I was legally divorced in  XXXX   XXXX . My ex wife filed bankruptcy a month later in  XXXX   XXXX  and included our home loan in the bankruptcy. The home was awarded to me. She signed a quit claim deed in  XXXX   XXXX .     I was in the process of assuming the loan with BECU to get my ex wife 's name off the home loan. In approximately   XX/XX/XXXX /  XXXX   XXXX   XXXX    I assumed the loan fully so that the loan is in my name only. None of the payments for this house have ever been late. No portion of this loan has ever been forgiven or written off. I have never filed bankruptcy or co filed bankruptcy I do n't see how it is even legal for them to report that my home loan, in my name only, has bee n discharged due to bankruptcy when it never was discharged. I have always been current with my l oan The credit union needs to remove the wrong derogatory information from my report and restore the loan as it was to show it current, all payments on time and no bankruptcy.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As a result of the financial crisis in  XXXX , I was hit hard after just purchasing a home. I got married in  XX/XX/XXXX and moved to a larger home since we both had children. My old home was listed for sale but did not sell since property values were dropping. I used two  XXXX  credit cards to help pay for electric and heat and mortgage while I tried to sell it. One account rose to over {$12000.00} and the other to over {$17000.00}.   The two accounts were written off a few years ago. This past year, I tried contacting them to " settle '' in order to improve my  credit score. I hi red an attorney to help me with this. The attorney pointed out that th e Statute of L imitations had expired on both accounts since my last payments on both accounts were in  XXXX . I filed disputes with the  three credit bureaus. One removed the two   XXXX  accounts from my file. Two others,  XXXX  and Transunion, have not done so. I have filed disputes each of the last three months. The dates they show of last payment are incorrect. They have provided my attorney with true and accurate earlier dates. I have advised them of this and both accounts continue to show in my reports. I need them removed. I have specifically pointed out that the date of last payment they show is incorrect and I have told them they need to check, update, and remove. I believe they have not checked, but simply looked at the erroneous date and accepted is fact. What they should have done is researched the date of last payment, fixed their errors, and removed the two accounts from my reports.
Consumer complaint received 2017-05-22
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: DISCOVER BANK (MI)

I have been going back and forth with Discover Card for the last 3 months. I have lost at least 1.5 days off of work having to talk with different departments within Discover Card company. Beginning in XXXX, 2017, through XXXX, 2017 ; I found that my card was charged over XXXX in charges to one merchant ( XXXX XXXX XXXX ). I only found this out when I received an email from the company that my credit card was at it 's limit. I talked with at least 10 representative stating that I did not make these charges over the course of 1 week. I was at first credited the charges on my account, and then after their ( Discover 's ) investigation stated that I am responsible. I then spoke with Discover and asked them what measures they have to protect me if charges are made to my card that are EXTREMELY set afar from my normal uses. Again, I was told that they will investigate. On X/XX/17 Discover credited my account for {$5500.00} stating it is a transfer balance. I received no notice or explanation. They also credited my account for {$780.00} on XX/XX/XXXX. When I seen that they credited my account for the full charges, I immediately paid off any other balance and closed the account. I told them the reason is I had no protection from this company and I was very unimpressed with how they treated me as a customer. Today, I received an email from Discover stating this : This is an alert that you set letting you know when your Discover card account balance is over {$500.00}. Unless your alert amount is set at your credit limit, this does n't mean that you 've gone over your credit line. Balance Alert Amount : {$500.00} Current Account Balance : {$5300.00} Credit Line : {$7200.00} Date Exceeded : XXXX XXXX, 2017 They have now charged my card again, yet a different amount of XXXX. My brother works for the XXXX XXXX and he said, before calling the company again, to seek assistance with the Protection Bureau. I have included the last 5 months statements to show the transactions the company continued to approve and the proof of transfer balances, credits, etc. Any help in getting this resolved would be greatly appreciated. Thank you
Consumer complaint received 2017-06-06
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. (GA)

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with Transunion, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still  remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}
Consumer complaint received 2017-06-26
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. (FL)

I have  XXXX , I 've been under treatment for years and someone has taken advantage of my situation and stole my identity. All of the  XXXX   XXXX  charge offs,  XXXX  charge offs, and   XXXX   XXXX    XXXX   XXXX . charges on my report were charged without my knowledge.
Consumer complaint received 2017-06-25
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: JPMORGAN CHASE & CO. (FL)

Chase Bank USA, N.A., cancelled my debit card that was not expiring until 2020. I had to make two phone calls and speak to several people for too long of a time period to not get any answers as to why my card was cancelled without my knowledge. <P/>When I went to my local Chase Bank ; the woman at the desk, apparently illegally requested another card on my behalf with out my knowledge which I was denied for ; I discovered in a letter by mail. <P/>When I called the company regarding my account, I was transferred to another country phone line whom told me that my U.S. public records are public to them as well. I was not assisted and transferred to a supervisor whom confirmed they were not in the United States. I did not authorize Reference number : XXXX I closed my account and withdrew my funds immediately. My public records should not be public, to just anyone, let alone outside of the United States of America. As well as, financial representatives should not be allowed to cancel debit cards that are not expired or closed, and should not be allowed to request new credit without my authorization and speaking with authorities confirming my so-called request. Also, I do not appreciate dealing with foreign workers, when the United States has so many unemployed people.
Consumer complaint received 2017-06-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In  XX/XX/XXXX  I filed a complaint with  XXXX  and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed with the company many times about reporting my account as delinquent. I have sent in my bank statement showing on time payments for the due amount or more. The company just reported " late payments '' the credit reporting agencies from  XXXX     2015 to   XXXX     2015. The y are reportin g 9 missed  payments. This reporting is incorrect and causing issues on me being able to obtain financing. I went through this with the company on another account and for this account already. Something needs to be done as I am ready to obtain counseling for this issue.     I have attached my bank statement for ye ar 2015 showi ng a payment every month to  XXXX  Web Pmt Single - Online Pmt  XXXX
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (IL)

MICROBILT and XXXX have been and are reporting inaccurate information on my credit report. MICROBILT and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. MICROBILT and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and MICROBILT asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and MICROBILT of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor MICROBILT have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a )  the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to MICROBILT on XX/XX/XXXX : XXXX.The following hard inquiry which should be deleted immediately is : Creditor Name : XXXX XXXX XXXX via MICROBILT Date : XX/XX/XXXX
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Equifax has been and is reporting inaccurate information about the following accounts on my credit report without verifiable proof. I sent certified mails to Equifax asking about the verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from Equifax of the inaccurate information and I didnt receive it from Equifax. Since Equifax doesnt have a verifiable proof of the inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax onXX/XX/XXXX : XXXX. The following accounts which should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX XXXX  Account Number : # XXXX**** Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : #  XXXX**** Creditor Name : XXXX XXXX  XXXX Account Number : #  XXXX**** Creditor Name : XXXX Account Number : # XXXX****
Consumer complaint received 2017-06-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

This is for loan XXXX XXXX and the late payment on XXXX that was reported as late on my credit report while an investigation by XXXX XXXX XXXX was being supposedly completed by them. <P/>I reported this to XXXX at XXXX with supervisor Mr. XXXX about the car accident. He agreed to resolve the matter and return my phone call with-in 4 business days. We agreed that I not make the payment until I heard back from him specifically with regards to a resolution. <P/>He further stated as other XXXX representatives verified that a " hold '' or indispute was put on my file and that the next payment due would not get reported late if I the matter was resolved. <P/>I and all parties agreed to this. I only noticed several days later hat they did report by negligence and error that I was late. <P/>I was not late. I never heard from anyone and did as I was told. Which was to not make the next lease payment until the issue was resolved. <P/>As I have stated numerous times, I have tried at least 20 times to contact XXXX and they will not speak with me.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NH)

Through Navient, was on a income based repayment place and authorized the agreed amount of {$670.00} to be withdrawn from my account on the  XXXX  of every month. On  XXXX   XXXX ,  2017 , Navient withdrew {$650.00} from my account. Then proceeded to withdraw the regular payment on the  XXXX . Called Navient to address issue and they said I agreed to have an extra payment taken out, which there was no record indicated on the account. I am not currently on the thi rd month (  XXXX  ) an d they are still proceeding to take an extra {$600.00} out of my account every month.   This is jeopardizing my account and has put me in the negative.   Navient has said they will investigate the matter and refund the money that was taken out of my account, as of today  XXXX   XXXX ,  2017  this has not happened.   I have managed my money to make this payments accordingly, and with these extra withdrawals this has put me in the red and Navient has shown no interest in fixing the issue.
Consumer complaint received 2017-06-25
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: EQUIFAX, INC. (ND)

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX XX/XX/2017, XXXX XXXX XXXX, XX/XX/2017