davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CO)

Hello, I have been in dispute with XXXX account on my Experian report, The accounts are as follows : XXXX XXXX XXXX XXXX # XXXX, XXXXI have filed a complaint with the CFPB regarding these account with no response from XXXX XXXX XXXX, I have attached the full communication between XXXX XXXX XXXX and myself. No validation has been provided and I want these accounts deleted from my file.
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

Despite multiple requests, via phone, mail, and online dispute, wherein I have reported that a particular item on my report ( XXXX XXXX Bank Acct. # XXXX ) is not mine, Experian has neglected, failed and refused to remove and delete this item or respond to my request for re-investigation pursuant to FACTA and FCRA. Rather, the report merely idicates the item has been " updated, '' meaning that the item " was verified as belonging to [ me ]. '' I continue to dispute this " update '' ( and want to learn more about how they purportedly carried out their alleged investigation and " verification '' ).
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (SC)

my chase credit card bill dated XXXX/XXXX/15 was {$630.00}. on XXXX/XXXX/15 I paid the entire balance. my due date was not til XXXX/XXXX/15. they charged me {$7.00} interest. I called to complain and was told I did n't pay my account in time.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (MD)

I have been a victim of multiple cases of identity theft within the last XXXX years. Most recently, i have been a victim of identity theft about XXXX times in the last 3 months. I have purchased a protection program with XXXX and have set up XXXX Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This one is specifically for Experian.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

I filed bankruptcy in XXXX 2011 and my XXXX XXXX XXXX XXXX was included. I did not reaffriem with XXXX XXXX XXXX, but i have been making on time payment since inception of the loan, which has not been reported to CRA.
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Platinum Holdings Group, LLC (CA)

Called claiming that I owed {$2000.00}. I asked for verification of debt, he said he did n't have to provide that. I asked for his name, he said 'I told you my name at the beginning of the call '. I asked for the company he worked for, he said 'Worldwide Asset Recovery '. I asked for the account number for the account he was referring to he said, 'you do n't know what bills you owe? '. 

He continually interrupted and would not answer the questions required by law. He said he was not required to provide any of the information I requested.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My issue is that Transunion must report accurate information to my credit report consistent with the Fair Credit Reporting Act. There are XXXX ( XXXX ) inquiries on my report that are fraudulent : a ) XXXX XXXX XXXX b ) XXXX XXXX XXXX ) XXXX XXXX XXXX Transunion continues reporting these inquiries to my credit file which has negatively affected my credit reports, even after my repeated requests to Transunion to remove them. Transunion should not be reporting these inquiries as I did not apply for credit with these companies nor do I have any knowledge of those companies.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (SC)

The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I filed bankruptcy XX/XX/XXXX and several debts that were discharged now show they were " charged off '' after the bankruptcy. My disputes for each account to the XXXX XXXX XXXX XXXX credit reporting agencies as well as attempts to resolve directly with the creditors have failed. Each agency and creditor refuse to correct the information and cite that it is " accurate ''. These accounts were not charged off prior to my bankruptcy. They began reporting a charge off after my bankruptcy. This results in each of the accounts being identified as derogatory with a charge off after my bankruptcy. This is a significant factor for lenders who review my credit report because they see accounts " charged off '' after bankruptcy which is misleading as to my credit worthiness. It is my understanding that the creditors may charge off an account after bankruptcy for their internal accounting purpose, but reporting a charge off after bankruptcy is a violation of credit reporting and bankruptcy statutes. I have sent correspondence multiple times, return receipt requested, with specific information that should be corrected. It remains in error and at this point they refuse to further investigate despite my repeated attempts. The credit agencies and creditors have also ignored my requests to provide their methods of verification after my disputes under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) ; it is my position that neither are unable to provide a method of verification because they are unable to do so. I have repeated the process of dispute when these charge off were reported after bankruptcy for each creditor that is reporting a charge off. Some are not only reporting a charge off after bankruptcy, they changed payment history to reflect a charge off prior to bankruptcy which is untrue. Prior credit reports show that the accounts were not charge off prior to bankruptcy. The credits retroactively changed payment history to charge off after bankruptcy. The creditors who are engaging in these actions XXXX. For example, all of these creditors are reporting that the account was charged off in XX/XX/XXXX -- -after bankruptcy. XXXX specifically retroactively entered charge offs prior to bankruptcy when accounts were not in charge off status.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NC)

Have an ongoing dispute with Chase XXXX since XXXX XXXX. It was regarding a breach of contract by a moving company, XXXX Men and a Truck. That part of the dispute has been settled. The other part of the claim was regarding damage to a XXXX hutch. Chase asked me for a copy of an " estimate '' to have it repaired. I faxed that estimate to them ( {$1200.00} ). The dispute was mishandled by being handled by numerous merchant dispute representatives ( at least XXXX different people called me from Chase and I have at least XXXX post cards stating my claim was being worked on and no interest charges would be applied to my account until it was settled ). On XXXX/XXXX/XXXX, Chase returned the {$1200.00} " estimate of cost '' back to the MERCHANT. I then provided Chase with a copy of my check dated XXXX/XXXX/XXXX where I had paid the furniture refinisher to repair the furniture. It was never a charge to Chase. Last correspondence from Chase was from a XXXX XXXX, Customer Service Specialist stating : " The disputed amount will remain on your account. Please follow the instructions for payment on your statement. Future correspondence from you regarding this matter will be reviewed, placed in your file, but no response will be sent. '' They absolutely can not get it that I paid with my check for the refinishing of the damaged hutch in the amount of {$1200.00} and that amount should have been credited to my account, not the merchant 's. I 'm at a loss as to who to turn to until I found your website. I hope you can help. By the way, I 've canceled my Chase account and cut up the card. Oh, and they 're charging interest on the disputed amount, which I believe is illegal?
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MD)

Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all three of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( Experian, XXXX ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other XXXX may be similarly situated and the CFPB should track this company for other complaints.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MS)

Inability to upload files ( XXXX or XXXX ) to Experian for online dispute reporting. It is not an issue of file size, even considering the stated upload size available, which you should review. And, if uploaded docs may be easily hacked enroute (? ), why " offer '' this option? I will call to see if FAXING doc is an option on next business day ; my doc contained names and a bank contact no, but referenced only last XXXX digits of account in dispute, which actually needs to be removed from my present credit information. Credit company STILL too difficult to access for help. This is the age of digital information, not reliance on snail mail. Internet search also reflects this issue with uploading docs. Why is this problem being allowed to continue? Thank you.
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XXXX XXXX, the Transunion Credit reporting agency removed XXXX inquires ( XX/XX/XXXX-XX/XX/XXXX ) from report raising my credit score XXXX points. Two weeks laters, they added all of theose inquiries back pushing my lowest score low enough that we wo n't be able to purchase a house. When I called the Transunion to ask them to remove the inquiries, they told me that they did not remove any inquirires. Despite having screenshots documenting that the XXXX inquiries were removed, then re-added, they denied doing it and said that if I wanted the inquiries removed for me to please go back to the creditors.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

JP Morgan Chase continues to defend themselves by saying that they were in the right and that the foreclosure on our home was valid and basically " by the book '' ; However, while it might have been end the end, it was NOT because it should the never gotten to the point of foreclosure in the first place. They continuously accuse me of lying by saying that I did not get the requested documents in to them in a timely Manner when I very much did so ( as did the law firm that was helping me at the time ) AND they also basically accuse me of lying when I report that a representative at JP Morgan Chase told me that she could not take a temporary payment that I was set up to make and after I have made consistent temporary payments for several months. She said that she could not accept it because the loan was under a modification review. Well, .... that IS why the temporary payments were set up in the first place. 
Every time I report JP Morgan Chase all they do is send the same response only changing the dates on the letter. No one even takes the time or cares to truly investigate my reports, let alone offers a reasonable or satisfactory resolution. They screwed us over and left me homeless by not processing our request for a loan modification promptly and then turned around and tries to blame it on me for not getting the requested documents to them in a timely manner when I most certainly did. 
I have reported this numerous times and will NOT stop reporting it until a satisfactory resolution is made to us for this debacle and XXXX on their end.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, XXXX please help me remove these from my report? 

XXXX XXXX
Consumer complaint received 2016-05-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

In early 2013, I enrolled in and enlisted mortgage modification assistance from the XXXX Program in XXXX FL. Throughout the process I completed all steps and requirements ; In late 2013 I accepted the modification deal presented to me. At first glance, the offer represented my needs at the time and I was urged by the XXXX XXXX complete the application and accept the terms. However, upon a closer inspection of the documents presented by CitiMortgage they clearly scream 'predatory lending ' complete with ( 1 ) a first and second mortgage, ( 2 ) a final balloon payment and ( 3 ) loan maturity date extended out to year XXXX. I am horrified at the trap I 've fallen into at this stage of life and returning to the XXXX Agency has not provided any relief - just embarrassment and finger pointing t at me that I accepted the deal and that I have to seek relief and guidance elsewhere. 
I am in much dire straits and distress then ever before.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I asked my mortgage to see if I qualify to have my PMI removed from my monthly payment. 
I XXXX started this back in XXXX, I have been now told XXXX I do not qualify and XXXX I do qualify, I have had XXXX people from the mortgage company set phone appointments with me to review my case and they have never called back. The mortgage company will not schedule a appraisal, they have even told me there is no appraisers in my local area. They are basing all there numbers off my appraisal from seven almost eight years ago. I have contacted them now XXXX times and I get several answers to what is going on.
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

Ocwen misdated a foreclosure letter causing me to miss out ona deal to repair my fire damaged house. They also demolished a freestanding garage after foreclosure that was in very good condition, my insurance man valued it at {$20000.00}. This eliminated any equity in the sale. They also listed and scheduled demolision of buildings on a separate lot that I owned free and clear. {$5000.00} worth of tools were taken from an outbuilding on this lot.
Consumer complaint received 2015-05-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

have spoken with Green Tree Servicing on multiple occasions. They have advised me that I had missed the XX/XX/XXXX payment. I sent them all of our payment records for XX/XX/XXXX reflecting XXXX payments had in fact been made in XX/XX/XXXX. After filing a " Qualified Written Request '' for information, I received a letter stating the payment missing was from XX/XX/XXXX when we were in a chapter XXXX Bankruptcy. The information that was given by phone when I disputed a missed XX/XX/XXXX payment was not explained to be from XX/XX/XXXX. I would have corrected the payment immediately if they would have been honest about what the issue was. I will also be filing a complaint for their collection practices as they have contacted a family member on XXXX occasions. The most recent time was after they had been informed not to contact our son as he does not live with us nor is he a party to the transaction. 


I will make the payment that they state was missing from XX/XX/XXXX. I do n't know what the resolution is for them as they have given me false information regarding the debt over the phone and were very rude when I tried to explain that they payment in question was not missed in XX/XX/XXXX. A fair resolution would be for them to reimburse me for the payment that they state was missed and apply it to my account since they were not honest about what they were trying to collect.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has fraudulent accounts on my credit report. The accounts are listed as XXXX XXXX XXXX and XXXX XXXX. I have never done any business with either of these companies. I have provided them with a police report to prove that I am a victim of identity theft and they 're still reporting these accounts as mine. They are in violation of FCRA 605 B.
Consumer complaint received 2015-11-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

My mortgage company loan ( XXXX loan # XXXX ) was sold to ( green tree loan # XXXX ). XX/XX/XXXX. Which has now turned into Ditech XXXX # XXXX. 
They ( Green Tree/Ditech ) Claim that I missed a payment. I have not and sent them the proof a couple of times. And they still claim I missed one payment and are charging me late fees on top of the regular payments. I have ALL the bank statements and copies of checks to show that I paid every payment. As well as a Expense Detail Statement from XXXX XXXX showing they released {$1800.00} to Green Tree on XX/XX/XXXX. I need to know how to resolve this issue.
Consumer complaint received 2015-08-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

There were unauthorized transactions on my Wells Fargo debit card from approx. XXXX XXXX through XXXX XXXX. The loss prevention department has issued a provisional credit for a portion of the charges. They issued only partial credit because at the time, some of the fraudulent transactions were pending. I am expecting another credit for approximately {$50.00}. Wells can not give me a timeframe as to when this credit will be posted to my account. In part due to Wells Fargo 's misfeasance, I am now homeless. I do not expect the bank to provide housing, but I would like a clear and definitive answer as to how long it will take to receive the money. Thank you.
Consumer complaint received 2015-12-26
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

someone pretending to be my daughter filed a claim with chase bank that they were missing money and so chase made a deposit not once but several times to her account. The perpetrator withdrew the money from her account by using an ATM card as well as using a withdrawal slip inside of a branch. Chase is holding me responsible since its a high school account and has transferred my money to offset the negative balance in my daughter 's account. I have called numerous times and so did my daughter to let chase know that we did not make these withdrawals or claims that money was missing. All we wanted to get across was that someone hacked into or stole my daughter 's identity and was stealing from chase. no one would listen to us at chase and they have since severed all relationship with my daughter and myself. I am left with {$0.00} balance just 4 days before XXXX and chase has done nothing to investigate who is responsible for these transactions. I have asked for them to pull the video tapes from the ATMs and branches where these transactions took place. I need for chase to reimburse my money and apologize for their action not to investigate our claims that something was not right with the account.
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I had a good working relationship with chase bank for years and suddenly when i applied for a new account, they closed all my accounts without explanation and sent me a letter saying i have no more active accounts with the ... they wont give me an explanation what i did wrong!