davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern : A short sale request was submitted in XXXX XXXX to servicer Chase bank. They kept losing documents and after 7 months, we received a short sale approval on XXXX XXXX, XXXX. 
The buyer was tired of waiting so they walked. A second buyer contract was submitted to Chase and Chase decided we needed to start process all over again. Per guidelines established by hmpadmin.com, it clearly states, '' fixed termination date not less than 120 calender days from the effective date of the shortsale notice ''. This means the approved net is good for 120 days on HAFA short sale notice. The correct way of handling the XXXX buyer is creating new approval letter with new buyer name as long as net is equal or higher as original approval. Chase erased all old Equator emails and started a whole new email line so it would show as a new file. This file is out of complaince due to not following their own HAFA Chase XXXX timelines. I have an all cash buyer ready to close in 7 days. All I need is an update approval letter. Please assist me. I have tried everything and no one at Chase will assist me XXXX buyer is hanging by a string. 
Time is of the essence Your assistance is greatly appreciated, XXXX XXXX ( Realtor on behalf of seller )
Consumer complaint received 2017-10-16
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. (GA)

This company XXXX XXXX and XXXX has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XX/XX/2012 in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.
Consumer complaint received 2017-10-16
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: Experian Information Solutions Inc. (OH)

I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX 2. XXXX XXXX XXXX  # XXXX 3.XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.
Consumer complaint received 2017-10-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ACS Education Services (CA)

This loan goes back to XXXX when I became homeless, and lost my job due to XXXX XXXX in XXXX. I have a balance of {$20000.00} I believe, I am currently in XXXX school and I received a call from ACS, I told them that I am in school and my loan should be in deferment. XXXX XXXX XXXX has posted the information to the XXXX XXXX where XXXX XXXX my present loan servicer was able to access the information. If I am in school am I supposed to have the XXXX school send information to ACS directly, or is it their responsibility to get the information from the XXXX XXXX? 

I do not want them to adversely affect my credit because of this. 

Please let me know what my options are?
Consumer complaint received 2016-04-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX, 2016 a Notice of Lien was filed on my account with Bank of America in the amount of XXXX from an attorney. Bank of America doubled the amount and put " on Hold '' XXXX. I made several phone calls to explain the CASE # is the same even though the judgment and notice of lien was filed as joint. After several phone calls and visiting the Bank of America branch on two separate occasions due to the person in their legal department told me to go into the branch and sign a " early payout '', the branch rep typed up a form however the amount was NOT correct so I could n't sign it, no resolution to the problem and my account continued to be charged. On XXXX XXXX XXXX was debited from my account and I was charged XXXX twice, once for me and once for my husband. On XXXX XXXX XXXX and XXXX was debited from my account. As of XXXX XXXX, 2016 the attorney has NO RECORD of Payment and Bank of America can not tell me where my money has gone. So, for a lien of XXXX, my account is out a total of XXXX and no one ( after 13 calls and two visits to the branch ) can tell me where those funds have gone. I am on Day 17 with no sign of resolution in site. With no explanation my fees for overdrafts is totaling over XXXX between the bank and creditors that items were returned to. Since XXXX XXXX, I have agreed to release the funds, and no one can seem to assist me. I did not dispute the lien, I wanted to pay this but having my account debited on three separate occasions and the amount of time it has taken for them to resolve this issue is criminal. I believe when they got the order on XX/XX/XXXX after they took their fees of XXXX, the only funds available were XXXX, however on XX/XX/XXXX payroll was deposited and all the funds were available, but no one ever looked back at the account to report that, even with me calling and begging them to help me resolve this. I do n't normally look at things like a conspiracy but how can I not think this delay was all to earn additional fees. This has created a disaster of my finances and I have felt so in the dark on what to do. The only notice I received from Bank of America was on XX/XX/2016 in both mine and my husbands name for the amount of XXXX, no other notice was ever received from the bank.
Consumer complaint received 2017-10-16
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: AMERICAN EXPRESS COMPANY (TX)

I am a victim of identity theft. This company requested my credit on behalf on someone fraudulently obtaining my personal information and using it to attempt to open an account. Although no account was opened this inquiry is showing on my credit file and adversely affecting my credit score. I have attached letters from creditors documenting the identity theft and a copy of my photo ID.
Consumer complaint received 2017-10-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass advertises its Online Banking everywhere, but they do n't specify that certain products have little to no online functionality when they are trying to get you to sign up for their services. I have a personal line of credit with them and my family relocated to a new city. I had set up mail forwarding at my prior address but statements were never received at the new address ( other institutions were received ). I attempted to change my address online with BBVA, but that process required almost two weeks of them asking me to provide duplicate information as to my new address, and, more importantly, I repeatedly asked why the website indicated a place for past statements / amounts due to show up but they were always blank/incomplete for this account and no one could tell me how much was owed. They did offer to send me a copy of the statements I never received electronically, for a {$10.00} fee, I guess that is their definition of online banking. I have received several auto-dialed collection calls, but I explained to them I needed a statement or some screen on their website to see how much I owed. 

This scenario was only compounded by the fact that I have a checking account opened with them specifically to pay the monthly payments on this account, but they do n't have functionality to let me set this to " autopay. '' As a result, I fear they reported me as delinquent as I was waiting to actually receive a notice from them telling me how much was owed, which was finally received last week. This is at at a time where we are looking to purchase a new home, and the potential adverse credit impact over the life of a loan will be several thousands of dollars.
Consumer complaint received 2017-10-16
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. (NC)

XXXX Credit Bureau showed gross negligence in security of my and 145 million Americans as shown by a security breach in XX/XX/XXXX. XXXX took six weeks to announce a security breach had taken place, in which time three XXXX executives, XXXX XXXX, XXXX XXXX, and XXXX XXXX sold nearly XXXX XXXX dollars in stock of the company. After XXXX announced in XX/XX/XXXX that 145 million Americans had their dates of birth, social security numbers, names, driver 's licenses, and addresses compromised, no solution was provided for those affected. This information is highly sensitive and the leaking of said information is devastating. This leak could also have been prevented, as XXXX was notified in a report by Homeland Security there was a major flaw in the security of their website. This was a devastating, preventable disaster and XXXX is entirely responsible for the breach of XX/XX/XXXX.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (AR)

This company contacts me every day, several times of day. When I answer the phone they do not identify themselves and they ask for personal information, such as the last 4 of my social security number. They are attempting to collect a debt that I do not owe! I 've asked for a dispute and they refuse to dispute it. They say that the only thing they will do is mark the debt as fraudulent activity. I 've asked them not to call me and they say it 'll be 24-48 hours before they will remove me from the calling system. That time frame has passed several times and yet they still contact me. The tepresentives on the phone are disrespectful and unhelpful. They called XX/XX/XXXX and again today on XX/XX/XXXX. I 've had to ignore their calls several times while I 'm at work.
Consumer complaint received 2017-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (MD)

On XXXX XXXX, XXXX, I contacted XXXX XXXX concerning a collect, I had no knowledge of. They notified be despite this fraudulent account. It had been sold, to a debt buyer- JH Portfolio. At this time I wrote them a letter. I sent all communications certified, so no response until XXXX/XXXX/XXXX. My request to remove this account, with the XXXX bureaus has been disputed on XXXX. There has been correspondence from the original creditor. Which I have attached- with no validation. This company has made no effort to correct this account. 

XXXX from XXXX states that company verified the collection by using my maiden name and social number. Both information that can be found my lost military id, or lost drivers license.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

Subject : XXXX XXXX XXXX Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear XXXX, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove late payments from my account with XXXX XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of late payments on my XXXX XXXX XXXX account ( Account # XXXX ), which have been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau and XXXX XXXX XXXX comply with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX  Account Name : XXXX XXXX XXXX # XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXXXXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX NA XX/XX/XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 
Fraudulent Unauthorized Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX I'm XXXX XXXX. Please make sure you remove any name in your system which does not match the first and last names listed on this letter. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , FL XXXX It is imperative that you remove any address in your system which
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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. (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 



I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 



Please delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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 discovered that some of the information was erroneous. The XXXX and TRANSUNION credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00}