davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
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. (AZ)

The company has failed to verify the information on the credit bureau. 
http : //www.azb.uscourts.gov/filing-without-attorney/debtor-faqs? page=1 The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently disputed XXXX  XXXX XXXX account due to inaccuracies to the balances and company addresses. The dispute came back verified in less than a week. However once I disputed XXXX   on this website I was sent information that validated my dispute. The repossession from XXXX consist of so many errors but I will focus on the balance. The deficiency notice says that I owe them {$10000.00} the amount being reported states I owe {$10000.00}. Even after the going through all the paper work they sent me I actually owe alot less. But their document states {$10000.00} and the bureau is reporting {$10000.00}. They did not provide proof on how they verified the reporting amount. Attached is the paperwork sent from XXXX XXXX XXXX the owners of XXXX to this website from a previous dispute. The credit reporting agency have violated my consumer rights by not successfully investigating my dispute and continuing to report inaccurate information. Of they would have investigated properly they would have seen that the balances are different.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently disputed XXXX  XXXX XXXX account due to inaccuracies to the balances and company addresses. The dispute came back verified in less than a week. However once I disputed XXXX on this website I was sent information that validated my dispute. The repossession from XXXX consist of so many errors but I will focus on the balance. The deficiency notice says that I owe them {$10000.00} the amount being reported states I owe {$10000.00}. Even after the going through all the paper work they sent me I actually owe alot less. But their document states {$10000.00} and the bureau is reporting {$10000.00}. They did not provide proof on how they verified the reporting amount. Attached is the paperwork sent from XXXX XXXX XXXX the owners of XXXX to this website from a previous dispute. The credit reporting agency have violated my consumer rights by not successfully investigating my dispute and continuing to report inaccurate information. Of they would have investigated properly they would have seen that the balances are different.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (SC)

XX/XX/22 Dear Consumer Financial Protection Bureau On XXXX i deposited {$600.00} in the ATM and it Malfuctioned and DID NOT register the deposit to my account AND DID NOT RETURN the {$600.00} from the ATM. And printed a receipt show no money deposited to my account. 

I went inside and explained what happened and they said since it was a Friday, they would have to wait until Monday to open the ATM. They gave me a provisional {$600.00} credit and several days later took it back and this the response I received below : This is the response on XX/XX/22 Dear Member : This letter concerns your ATM deposit dispute submitted on. The disputed deposit of {$600.00} was made at the above-mentioned ATM location on. 
Based on a thorough investigation of your claim, we found that no billing error occurred. We do not have a record of a deposit in the amount XXXX and the information available regarding your claim did not identify excess funds matching your transaction. 
As a result, any provisional credit that was applied to your account will be removed on, which is ten calendar days from the date of this letter, at which time your claim will be closed.

( End of response ) Furthermore when they deducted the {$600.00}. I had got paid and it over drew my account causing items and bills to be returned and caused several late fees XXXX XXXX XXXX
Consumer complaint received 2018-12-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (TX)

I received a Foreclosure notice from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX RECEIVED on XX/XX/2018 according to the Fair Credit Act I am allowed at least 30 DAYS from the Date Of RECEIPT to respond and they Foreclosed on my home on XX/XX/2018 that's only 18 days. Fair Debt Collection Practices Act Notification clearly states I have 30 day after RECEIPT of the notice, to dispute the validity of the debt or any portion thereof with XXXX XXXX XXXX, XXXX, or Chase Bank. I want the XXXX XXXX XXXX, XXXX, to " Resend '' the foreclosure of my home and give me the protection I deserve under the Fair Credit Act, they violated my " legal right to fair credit ''. 

I have 60 days to dispute a charge. If you catch a billing error on my statement, I have the right to dispute the charge with your creditor, but you have to act quickly. Under the Fair Credit Billing Act, you have 60 days after the bill was mailed to you to report the incorrect charge. The " Foreclosure Bill was mailed on XXXX-18 I still have more days to respond and they have already " Forclosed '' on my home, which is a violation of my civil rights.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I notified Equifax that my account balance was incorrectly being reported on my credit report. It had apparently not updated. 

On XX/XX/2020 I was notified by email that the investigation was concluded and Equifax deleted the entire account and corresponding trade line. 

I never disputed the account as not mine or requested that it be deleted ; rather the balance updated as appropriate. 

Now correct and factual information has been deleted from my credit history with Equifax.
Consumer complaint received 2018-12-12
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: AMERICAN EXPRESS COMPANY (AZ)

American Express Dispute Reference Case # XXXX I purchased on XX/XX/2018 an XXXX on XXXX. The description said it would work on XXXX. I received the item on XX/XX/2018. XXXX worked with me to set up the phone but we could NOT because we found the XXXX was locked with XXXX XXXX. XXXX XXXX said the owner of the account owed {$330.00} and that the owner was the ONLY person who could unlock the phone in order for me to use it. I contacted the seller on XXXX and he refused to work with me so I opened a dispute on XX/XX/2018 with American Express since I paid the {$450.00} with my Preferred American Express Credit Card. I opened the dispute through the American Express Dispute representative who was from XXXX. I carefully explained all details of the case, I also submitted mountains of evidence which pointed out that this XXXX was defective, not as described, nor in any way whatsoever would work because of the fraudulent activity by the seller. The representative from XXXX INCORRECTLY listed this dispute under the title of MERCHANDISE NOT RECEIVED!!!! Not once did I ever tell him that I did NOT receive the item! I was more than clear that the item was defective and NOT as described. This morning, XX/XX/2018, I learned from the American Express Dispute center that I had lost the dispute because the seller proved I had received the item!!! DUH!!! I NEVER told anyone at American Express that I had NOT received the item!! I was adamant at the onset of my call that I had been deceived by the seller 's XX/XX/XXXX description and that it could NOT work on XXXX for it was still locked on XX/XX/XXXXXX/XX/XXXX!!! I lost this dispute because of the incompetency of an American Express Dispute employee!!!
Consumer complaint received 2019-02-12
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)

XX/XX/XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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  ALSO THESE INQUIRIES ARE NOT MINE XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Finance Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from  XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business  days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (HI)

After 6 months of waiting, a closing date was proposed no-later-than XX/XX/XXXX. The first credit report XXXX  score of XXXX dated XXXX " expired '' on XX/XX/XXXX. The second credit report from XXXX was XXXX, dated XXXX.The under -writers ( email XXXX ) had problems reading the condo docs that were FAXED ( XX/XX/XXXX ) using the supplied FAX cover sheet. They didn't see the name of the project on the 1st page and couldn't find the number of units on the 3rd page. ( email XXXX ) I had approved for the use of E-Docs and E-Signatures. Shortly after I received E-Docs with a Mortgage Loan Price Commitment Agreement back dated to XXXX and a Loan Estimate issued XXXX.The rate lock expired on XXXX, 4 days prior to sending/receiving them. I didn't sign, wrote a letter of complaint ( XXXX ) withdrawing E-docs & E-signatures. Underwriters couldn't determine my income, asked ( XX/XX/XXXX ) for W2s, had been sent in cert. mail XXXX, received XX/XX/XXXX. I confirmed my income by referrencing documents # 3, # 4 & # 8 in XXXX cert. mail. Email XX/XX/XXXX request change of HOI beneficiary prior to closing. 
XXXX  payoff requested XX/XX/XXXX, expired XXXX. No payoff requested from XXXX XXXX XXXX. Application was for Hawaii condo w $ XXXX to payoff commercial property in Ohio. Denial-too many inquiries ; amount owed on revolving account too high ( all accounts paid in full every month for yrs ) ; length of time accounts have been established ( 3 most recent Cr. cards over 2 yrs old & 2 are with the lender-no balances ) ; No Derogatory Info found in the file. Paid down mortgages {$14000.00} while loan applications pending. No accommodation requested for existing loans. Loan application/credit denied
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have two credit cards by XXXX XXXX. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.
Consumer complaint received 2019-02-12
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: AMERICAN EXPRESS COMPANY (PA)

I was recently a target of identity theft, with the suspect attempting to/successfully opening credit accounts in my name fraudulently. American Express was one of the merchants, so when I noticed the inquiry into my credit, I called them immediately to which they replied they had closed the account, and would contact the credit bureau ( s ) to remove the inquiry on my account. However, I requested the credit application copy that was made falsely in my name. I sent in all the paperwork that was requested, which included a case number for the police report I filed, the police officer 's  name/signature on the case, the date in which the report was filed and a copy of his business card and information ; along with several documents confirming my own identity and other pertinent pieces of information. I went above and beyond what I needed to do and then I received a letter stating that the information I submitted still wasn't sufficient, and therefore they would not hand over the credit application copy. Under the Fair Credit Reporting Act, I'm entitled to that information as a victim of identity theft. The representative refusing this was named XXXX, American Express ID # XXXX.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CT)

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 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2020, it was reported that XXXX XXXX XXXX had closed my account and then added a note. This is reported on my credit report and it is incorrect. My account is active and open. I have ten payments until my lease is over. My next scheduled payment is XX/XX/2020. Also, a note was added which I am not able to see, but on my report, it shows my payment for XXXX is " unknown '' but for XXXX and XXXX its current. This needs to be corrected immediately. I made two full payments for the month of XXXX which is why my next payment is not until XXXX. This is a lazy example of XXXX XXXX inputting wrong data and not verifying nor double-checking. 

My payments for XXXX, XXXX, and XXXX were deferred but I made payments on XX/XX/2020, for {$350.00} and on XX/XX/2020, for {$770.00}. My statement for XXXX had a balance of {$0.00} and my next payment is XX/XX/2020 for {$770.00}
Consumer complaint received 2020-08-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

XXXX Spoke with Navient about the paperwork for a economic hardship forebearance. They told me that I do not qualify- even though I make a 1/3 of what I was making last year at this time and make less than {$2000.00} a month. They also told me that they do not figure in living expenses or other expenses when refinancing or lowering payments. Just what you make. I make too much to qualify for this this type of deferment ( according to them ) and might be able to get a 30 Day Disaster Forbearance in XXXX. I am unable, at this time, to work 40 hours a week and pay this loan ( I make {$31000.00} a year vs what I made last year : {$72000.00}. 
I am unsure of their qualifications for Economic Hardship.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

Chase tellers failed to recognize the fake ID and gave away {$11000.00} of my money from my checking account, which I need to use now and can not access due to their error. I submitted a claim with the JP Morgan Chase claim department on XX/XX/XXXX  and still did not receive my money back.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: VeriCore, LLC (TX)

We received a letter from XXXX XXXX with the collection company Vericore on XX/XX/XXXX stating that we owed a debt to XXXX XXXX XXXX for invoices from XXXX and XX/XX/XXXX, and that they intended to file a personal lawsuit against the owner of our company if that debt, legal fees and collection costs were not paid in full. Our accounts payable clerk reached out to XXXX XXXX that same day via email to let him know that we had already paid some of the invoices in question. She sent him copies of the checks that had been mailed and cleared the bank. She asked him what the balance was and how we could pay it. 
XXXX began calling and emailing daily from that point forward. He told the accounts payable clerk that if we paid the full balance of {$3800.00} he would be able to negotiate with our vendor to waive the fees and legal costs. We wrote a check for that amount on XX/XX/XXXX and sent him a copy of it. He immediately responded that it was not the correct amount because it did not include the fees. We told him that we were not confident that the balance he was charging was what we actually owed and that we wanted to confirm with our vendor. At that point he began making threats about calling our bank, vendors and other lenders about the debt. He said he was going to file a lawsuit against our owner. He started calling the office several times a day, and my personal cell phone and leaving voice mails. His emails were sent to four different employees of the company and were increasingly rude and threatening. 
On XX/XX/XXXX I sent him an email asking him to stop harassing us while we got to the bottom of the situation with XXXX and paid the debt. He responded multiple times on the XXXX and has already emailed twice today. His first email was sent at XXXX XXXX. He was never given permission to call me on my personal cell phone or to email XXXX XXXX one of our superintendents. 
We overnighted a check paying the balance in full to XXXX billing company today, XX/XX/XXXX. After filing this complaint I intend to make a complaint with XXXX and send a formal cease and desist letter.