davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX XXXX XXXX XXXX  XXXX at JP Morgan ChaseXXXX # XXXX announced that they will not refinance a mortgage they issued to me 2 years before that. The reason presented was Excessive Obligations in Relation to Income.

I am a XXXX XXXX  and was already a XXXX XXXX when I was initially issued the mortgage 2 years prior. I was worried about resetting my mortgage in 5 years and wanted to get into a 30-year fixed mortgage. Same notional. The collateral value has increased by 10 % from higher house prices and we increased the value with a 20 % remodeling so the collateral is up 30 % since the original loan.

They didn't give me any chance to explain my financial situation before announcing they refused the loan which I assumed was a given based on a conversation with my banker who even offered to increase the size of the loan. 
What has happened is between XX/XX/XXXX when I fixed the rate at 3.5 % and when I was delivered the bad news the rates on the mortgage had increased by 1.5 %. I believed I was wronged. Instead of making the loan safer for me, they increased the chance of default in 5 years if rates are much higher. I believe their motivation was influenced by the move in interest rate. As a student, I would love to get data on how many loans were refused during this period relative to a more normal period for interest rate.
Consumer complaint received 2022-05-26
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 Account # XXXX, # 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 2015-11-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DYNAMIC RECOVERY SERVICES, INC. (CA)

This appears to be from a charged-off credit card BANK ONE, I do NOT recognize. 
The Charge-off date appears XX/XX/XXXX. 
No Complaint ever filed. 
No payment by me was made on this account. 

Starting XX/XX/XXXX, I received a Collection Letter from a MA attorney. 
My attorney mailed a letter to this attorney, requesting a copy of any Judgment for this issue. 
We never received a reply. 
Letters continued to arrive from this Collection Attorney. Finally, they seemed to cease. 

XX/XX/XXXX/XX/XX/XXXX- I receive another Collection Notice, for same original account, from a different Collection/Debt Buyer. XXXX XXXX XXXX. 

My attorney mailed a 'Cease & Desist '' letter, via USPS Certified Mail. 
After this letter, my attorney received a call from the law firm for this Collection Co. Calls back and forth went on for about one month. 
I was told these notices would cease. 

XX/XX/XXXX- I received another Collection Notice for the same account, from a different Collection/Debt Buyer, Dynamic Recovery Solutions and Accelerated Financial Solutions. 

My attorney mailed the same " Cease & Desist '' letter to these new Collectors, via Certified USPS. 

I counted XXXX Collection/Debt Buyers on this account since it states it Charged-off. 

My attorney filed a complaint against XXXX, for allowing the account to continue, and against Dynamic ( DRS ) and XXXX ( XXXX ) for not checking any status on this account before proceeding. 

In documents with these companies, my complete SS # is reflected. There is n't any redaction. I am really scared this will continue. 

Is there a limit on how often a debt can be bought and sold over time? 
This could go on for infinity, and the Debt Buyers/Collection Agencies do not seem concerned. 

I do n't have any assurance my personal information is safe. 

Help!
Consumer complaint received 2023-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

My attorney wired me XXXX XXXX as an emergency, Western Union represents that it delivers international wires in XXXX and this is false and fraudulent, After I paid my attorney XXXX XXXX to wire me XXXX XXXX in XXXX for XXXX XXXX XXXX and prescriptions I went with the correct identification to all XXXX Western Union XXXX in XXXX XXXX as well as the XXXX banks XXXX Bank and the official post company of XXXX wasted XXXX hours of my time. Registered a complaint with company no/ XXXX and then company falsely claimed I was on a do not receive list I needed this money as an emergency for medical and other related matters as over XXXX wired through XXXX Bank XXXX and XXXX Bank XXXX not received COMPLAINT ID XXXX COMPLAINT ID XXXX tracking id XXXX XXXX XXXX
Consumer complaint received 2023-06-17
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2023-06-17
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. (NY)

I have recently gone through my XXXX XXXX and discovered that there is an instances of late payments recorded on an account where I have never been late before. It is crucial for XXXX XXXX XXXX to fulfill their duty of accurately reporting consumer information to the best of their capabilities. I would like to bring your attention to the account in question : XXXX with the account number XXXX I kindly request a thorough investigation into this matter and ask for evidence in the form of statements that demonstrate the lateness of these payments. If it is not possible to provide such proof, I insist that these payments be rectified and updated to reflect their true status as on-time payments. I have never been late, and it is essential that this information be accurately represented. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-17
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)

This complaint is filed against all XXXX credit bureaus of XXXX, XXXX, and Equifax for reporting incorrect information and incomplete information on my credit reports on said account of first premeir under account number XXXX that shows a high balance of XXXX. Account has been disputed with all XXXX bureaus and was verified as corrector accurate.A copy of the XXXX XXXX XXXX XXXX XXXX credit report is included so the account can be side by side by side so all errors and discrepancies can be verified. The said errors are : XXXX. XXXX reports no late XXXX, XXXX, or 90 days late. XXXX reports XXXX 30 days XXXX 60 days late and XXXX 90 days late. Then Equifax reports XXXX 30 days late, XXXX 60 days late XXXX 90 days late. No way was the consumer XXXX 90 days late. All differ and can't be clarified as correct and verified. XXXX. XXXX and Equifax report highest balance as XXXX. XXXX reports XXXX as highest balance. All can't be correct. XXXX. All three report different dates of last activity. XXXX shows XXXX as XXXX. XXXX reports XXXX as XXXX. Equifax shows XXXX as XXXX. All are different and all can't be correct. XXXX. Both XXXX and XXXX show date of last payment as XXXX. Equifax shows date of last payment as XXXX. All don't match. XXXX. Both XXXX and XXXX show credit limit as XXXX. Equifax shows credit limit as XXXX. XXXX. Date last verified is missing on both XXXX and Equifax reports. XXXX. Date closed is missing on both XXXX and Equifax reports. XXXX. XXXX report under dispute status says account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. XXXX. XXXX report under Creditor 's Remarks says account is disputed. No dispute exist or pending and been concluded. Once dispute is over, XXXX is to immediately delete any codes or remarks for dispute. XXXX failed to delete dispute remarks/codes from account. XXXX. XXXX reports account not disputed under Dispute status. Contrary on same report under Creditor 's Remarks it says account disputed. Both differ and can't be correct. 11. XXXX report says account disputed. No dispute is pending and has been concluded. Once dispute is over, XXXX was obligated to remove all dispute remarks or codes from account which was neglected to be done. 12. Equifax report shows account disputed under Dispute status and under Creditor 's Remarks. No dispute exist or is pending and has been concluded. Once dispute is over Equifax was obligated to remove all remarks or codes pertaining to dispute and failed to do so. All errors should result in deletion of this account.
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX opens XX/XX/XXXX I was medically affected financially by XXXX I have sent proof which is medical documentation of what was going on. There is an FCRA law that is being violated please remove any delinquent payment as I faced financial hardship reduced hours and being forbidden to work when I came in contact of anyone with the virus as well as I was medically test Positive with the virus which caused other medical issues during this period which caused me not to be able to work which cause a reduction in my financial history starting XX/XX/XXXX up to XX/XX/XXXX medically XX/XX/XXXX to XX/XX/XXXX financial impact due to financial hardship due to reduction in business and hours at my job impacted as the law sates as following 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during XXXX  pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX ( XXXX ) pandemic during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel XXXX XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I applied for American Express Delta Skymiles credit card back in XX/XX/2020. Firstly I used Amex offer letter with offer code to apply for the card, the application got approved. But shortly after the approval, I found the offer letter showed the first year annual fee is not waived at the very bottom of the offer letter in quite small font size under terms and conditions, which is not the normal case for this product, so I cancelled my application right away at the same day or one day later. I called Amex customer service to complain about it and wanted to apply for Amex Delta Skymiles credit card which waives the first year annual fee. I was aware of the Amex credit card reward policy, they do not pay the customers reward if they have the same card before, so I explained to the customer service my situation and asked him if I was still eligible for the welcome reward, which is 60,000 bonus miles with purchase of {$2000.00} in first 3 months. The customer service representative told me I could still get the reward in my case so I went ahead to apply for the card. Now it is XXXX but I still do not receive the reward. I tried to call Amex customer service more than 10 times to resolve my case but they always told me my first application was approved, I already got the same card so I could not receive the reward. However, I cancelled my application right away at the first time I applied for the card, I never received the card from Amex, never spent money on the first card and never received welcome reward on the same card from Amex before. Moreover, I did call Amex customer service to double-check if I could get a welcome reward, but it looks like Amex is ambiguous about tracing back the phone call I had with their customer service back in XXXX. Every time I called Amex they just raised a ticket for me and let me wait for 7-10 business days to follow up but every time they just declined my complaint. There was only one time a senior employee from Amex customer service agreed to send me 10,000 miles on my account, but I should get 60,000 miles in total. I do hope my case can be solved asap since it is quite frustrating to call Amex over and over again, explain to them my case every time but always get disacpponting result.
Consumer complaint received 2023-06-17
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. (MD)

This is the several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX 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 2023-06-17
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: EQUIFAX, INC. (CA)

Problem : - XXXX XXXX XXXX incorrectly report " DELINQUENCY '' to all the credit bureaus for a mortgage payment for XX/XX/XXXX when it was paid. 
XXXX XXXX XXXX XXXX incorrectly reports " DELINQUENCY '' to all the credit bureaus for a mortgage payment when the loan is transferred to another bank. 

What happened : - I purchased a home at the beginning of XXXX and XXXX XXXX XXXX. was the lender. 
- I set all my auto mortgage payments through XXXX XXXX XXXX website, and all mortgage payments were paid on time ( please refer to the attached documents ). 
- On XX/XX/XXXX, I made my XXXX and XX/XX/XXXX mortgage payments through auto payments ( please refer to the attached documents ). 
- On XX/XX/XXXX, XXXX XXXX XXXX sold the loan to another lender ( XXXX XXXX ) and stated the mortgage loan is being transferred, effective XX/XX/XXXX. After this date, a new servicer will be collecting your mortgage loan payments from you ( please refer to the attached letter ). 
- I contacted and complained regarding the issue back in XX/XX/XXXX ; however, the problem was never solved. 
- As of today, XX/XX/XXXX, the delinquency still appears on my credit report and has caused my financial issue because I wanted to purchase a new house, and the lender raised my interest rate and is in danger of being refused the loan.
Consumer complaint received 2023-06-17
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. (MI)

I have been trying since XXXX to get information on how the credit bureaus verified my bankruptcy, more recently since around XX/XX/XXXX. Every XXXX days a new letter has been created to have this item removed. This item has been challenged XX/XX/XXXX and XX/XX/XXXX with the same response as accurate. 

Per a letter received from the XXXX Bankruptcy XXXX they do not report individual bankruptcy to the credit reporting agencies, nor do they update information directly to the credit bureaus. This has caused a hardship for me and my children as a single mother.

According to the Fair Credit Reporting Act, Sections 611 ( e ), 623 ( a ) ( 3 ), 623 ( a ) ( 5 ), 609 ( a ) ( 1 ) ( A ), and 609 ( c ) ( 2 ) ( E ) they are required by law to verify through physical verification of an original signed consumer contract for each and every item which means all accounts they record on a credit report. All items that were under my bankruptcy have expired and no longer are apart of my file. 

The credit bureaus failure to positively verify payment history, to be 100 % accurate and complete reported in a timely matter has affected me to obtain credit. Also, it violates my privacy as they reported this without my permission.
Consumer complaint received 2015-12-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

I have a legal agreement with Chase Bank, on repeating payments on my rent to XXXX XXXX XXXX in th amount o {$150.00} each month since XXXX 2015. This month of XXXX 2015, when I receive my SSA on the XXXX and XXXX of the month, Chase debited my account for the rent. It was by legal agreement to be on the XXXX of each month. On XXXX XXXX, 2015, I had {$230.00}, therefore funds to be paid. If they had debited my account the said amount, on XXXX XXXX, 2015, I would have {$380.00} instead I have {$180.00} an difference of {$200.00}. They shorted my account, by not legally debited my account on the XXXX XXXX, 2015.
Consumer complaint received 2023-06-17
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (GA)

All three credit beurea XXXX, XXXX, experian are not updating my credit profile they are making sure that incorrect inquiries, education loans, false information on my credit report its been years of this and they have yet to correct it and my credit score is not going up and i really am frustrated and treated unfairly please help me get this corrected My education loan is not negative I nolonger have to pay it back and they refuse to check my education loan status and correct the information i should have no inquiries on no credit report
Consumer complaint received 2023-06-17
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. (MD)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX WY XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2023-08-02
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: LEXISNEXIS (TX)

CFPB I have attached email filter results showing the Lexis Nexis is untrustworthy and absolutely lying about having sent an email to me on XX/XX/XXXX. This type of violation and unprofessional conduct should not be tolerated and should be considered when judging this dispute. 


in CFPB Complaint : XXXX I provided the letters from the XXXX they claim represented me in the alleged Bankruptcy. Any reasonable court or judge will accept the denial of the alleged law-firm as sufficient evident to require deletion of these records from my credit profile. 

Lexis Nexis is outrageous with their stalling and lying. They fail to properly investigate my dispute. I investigated by contacting the court and the lawfirm and both of these entities say this is not my bankruptcy. Lexis Nexis is using incompetent people who can not read or speak XXXX at the necessary level to be able to provide fair and accurate reporting nor complete proper investigations. Please read the documents and understand. Its clear that you should just delete this and stop harming me! Call the XXXX lawyer that your false record says I used. 

They constantly tell lies and evade questions. 

I have attached the identification info they requested, but these folks know my profile and know that I am who I say I am. I am exhausted with them. They need to delete this record now. If Lexis Nexis fails to delete this record and send me a copy of the report showing removal. My lawyer will be filing lawsuits against them asking for fines, emotional damage, lost of wages, heath bills, etc as compensation for the back and forth constant disputing I have had to due for years fighting this false information they keep reporting!