davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

The closing date was clearly socialized to the lender, for a XX/XX/XXXX closing. At every step and every document I sent over, I asked in writing if we were still on track to close on time, and I was told yes. At the very end of the process, I was told 5 days ago that I was required to do something previously, and only given 1 single day to perform this task, and the request for this was made in the evening, after business hours. There was no prior indication of a deadline for when this task needed to be completed, nor any mention that it was an impediment to closing on time. Furthermore, I was not informed until today via phone call that because of a change in purchase price, the lender is required to request an approval from the third party appraiser on the change in price, wherein the change was to drop the purchase price down to the appraised value. This comes as a shock because I sent over the signed addendum to change the purchase price 10 days ago, but the request on the lender 's side to get this alleged required approval for final underwriting was not submitted until this morning, XX/XX/XXXX. When I asked for a written response as to why the delay occurred, I was given a vague statement and blanket apology, and no real reason for why the process was delayed, nor why the request was not made previously. 

Late this afternoon, the lender reached out to the title company to request a change to the closing date to next Monday, XX/XX/XXXX. 

As a result, I am incurring more costs in rent, and the seller is incurring more costs in their HOA fee and property tax which should have stopped after today.
Consumer complaint received 2019-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted TRANSUNION regarding 7 unauthorized hard inquiries I found on my report and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue. It has been well over 45 days and not 1 hard inquiry has been removed. They are not cooperating and it's getting really frustrating because these hard inquiries are affecting me. The hard inquiries listed and all unauthorized XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

TRANSACTION XX/XX/XXXX ... .. {$99.00} ON MY SYNCHRONY/WALMART MASTERCARD THIS WAS A FRAUDULENT TRANSACTION AND WAS REPORTED AND THE CLAIM WAS APPROVED BY SYNCHRONY BANK ( LETTER DATEDXX/XX/XXXX ) THE ACCOUNT WAS CLOSED. LETTER DATED XX/XX/XXXX I HAVE BEEN SENT STATEMENTS WITH CHARGES OF THE FRAUDULENT TRANSACTION, FEES AND INTERESTS. I HAVE NOT PAID. 
I WISH THIS TO BE REMOVED FROM MY RECORD FOR THE CREDIT SCORE.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY ()

The American Express website lists several methods to submit a payment. It states that in XXXX you can do a direct debit from your account to theirs ( American Express XXXX XXXX XXXX ). I mad a payment from my XXXX bank account in the amount of XXXX Euro on XX/XX/XXXX and another in the amount of XXXX Euro on XX/XX/XXXX. Both payments were taken from my account and never applied. I am, by the way, an American citizen living in XXXX. 

They opened several disputes and requested documented proof, which I provided. This included screen shots of their account number and amount from my bank. Each was closed without resolution, AMEX also claims to have tried to call me but phone records show this to be false. I have also called multiple times with the same result. The last time I called I was told by the representative that he was very sorry and that he would take personal control of the complaint, contact my bank and the account holder on their end to find and return or apply the payments. This also turned out to be false as no action was taken and I received to response. 

Today, XX/XX/XXXX, I utilized their online chat function to check on the status and was told I had to call in. When I did call in the representative stated that I did not make the payments and should try contacting the necessary banks myself. 

I am incredibly frustrated with AMEX for, at this point I believe theft/fraud, and a complete refusal to correct the issue. I submitted payments as per the instructions on their own website, they lost the money ( or have not tried to locate it ), meanwhile it has not been applied to my account or returned and I continue to incur interest charges, long distance charges for phone calls, and a loss of time fighting with them to correct their error. Customer service states each time ( until today ) that they are sorry and will sort it out. FALSE Please investigate this deceptive and/or fraudulent activity.
Consumer complaint received 2019-01-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (FL)

I have been harassed for at least six months, if not longer, by a debt collector by the name of Cavalry, Calvary Portfolio. I have advised each and every representative that I am XXXX XXXX and to please stop calling me. Calls come in, and the second I answer, no one is on the other line. I hang up, the same thing happens minutes later, about 10 times a day. Ive asked them to stop calling my business line, Ive informed them Im XXXX XXXX and dont communicate well on the phone and to please text or email. They refuse, get agitated, and hang up on me. They refuse to tell me anything other than a made up first name, which I cant understand, no business name, demanding information from me. Its gotten so bad that Ive had to block the numbers. Ive done reverse searchs on all the numbers and they are all related to Calvary. On XX/XX/XXXX at XXXX I spoke to someone yet again advising them to stop calling, Im XXXX XXXX. OnXX/XX/XXXX at XXXX I received a call from XXXX once again advising Im XXXX XXXX and not to call my number again. Person kept asking for my name, but refused to identify what the call was or what company he was with. A message was left on my business voicemail on XX/XX/XXXX at XXXX XXXX, referencing a debt, the amount of the debt, my name, all personal information. It was difficult to understand as Im XXXX XXXX, from phone number XXXX. But I couldnt understand the complete message and phone number. These have all come after I repeatedly advised not to call me. Ive blocked most of the numbers six months ago due to robocalling and failure to cease and desist, but they just continue to call from new numbers. I have repeatedly texted asking for them not to call and blocked numbers dating back to the beginning of 2018, yet they are still calling. Its harassing as they call on a phone they know I dont always hear ring, I dont always understand messages or what the caller is saying, and they continue to call. Its harassment and must surly be against some ADA anti harassment law. They just wont stop. Ive been asking them to stop calling for about a year now.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

As per the guidance from the consumer financial protection bureau ( CFPB the document needed and a letter from an advocacy group helping me due to Human XXXX  debt XXXX, Which falls under XXXX  according to XXXX final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit reporting Act. I am a Victim XXXX XXXX XXXX of accounts to be blocked and deleted company information Transunion. Please delete the following accounts. consists of a personal line of credit account opened at XXXX on XXXX XXXX XXXX under the account number XXXX, XXXX XXXX on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX on XXXX XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXXXXXX XXXX XXXX on XXXX XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX under the account number XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX XXXX XXXX XXXX XXXX under the account number XXXX, XXXX XXXX XXXX XXXX XXXX under the account number XXXX, XXXX XXXX XXXX XXXX XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, XXXX XXXX on XXXX XXXX under the account number XXXX, XXXX  on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$810.00} under the account number XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under XXXX account number XXXX, XXXX XXXX on XX/XX/XXXX under the account XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

On XXXX I deposited a check from a withdrawal i made out my XXXX account, in the amount of XXXX. 
I was told that I would receive a partial deposit in the amount of XXXX on XX/XX/year>. And I that receive the remaining balance of XXXX on XX/XX/year>. This morning I received a email saying my check was processed but the entire amount will be held till XX/XX/year>. I don't understand i never deposited a bad check and if it's processed then why is it beginning held.
Consumer complaint received 2018-12-20
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: EQUIFAX, INC. (WI)

I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (OR)

XX/XX/2018 Letter to XXXX XXXX, XXXX XXXX XXXX - My client, XXXX XXXX, called me and told me to call XXXX XXXX at XXXX XXXX XXXX x XXXX. My client said Why is a Collection Agency calling you at my business? GOOD QUESTION! 

XXXX Do you know that calling my client is a violation of Collection Agency Ethics? Please give my Invoice to your boss and have him/her/they process it as soon as possible. 

In XX/XX/2018, I wrote to XXXX XXXX XXXX, Chairman and CEO, American Express Company and XXXX XXXX XXXX, CEO, Delta Airlines instructing them to cancel my Delta Sky Miles American Express account after 50 years as a customer. I never received a response. 

Account XXXX is a FRAUDULENT account. I never opened an account ending in XXXX. My recurring payment to XXXX was transferred to the FRAUDULENT account, which messed up my XXXX account and will cause XXXX to lose my business. My Credit Score has gone from XXXX to XXXX, all because of the FRAUDULENT activity of your client, AMERICAN EXPRESS. 

Enclosed find INVOICE XXXX XXXX XXXX, INVOICE XXXX Mr. XXXX XXXX XXXX and INVOICE XXXX XXXX XXXX XXXX. 

Thank you for your assistance in this matter, XXXX. I am sorry to see you caught in the middle. I am sure you want to treat me fairly. ''
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these.Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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 am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

i made a purchase from XXXX on XX/XX/2018. the book i ordered from had a three or four month deferred payment. XXXX coustomer service person dropped the ball on entering the correct info, a couple of weeks later i had to give them the catalog number because the first representative did not do it correct.a payment should be for XX/XX/XXXX but they say i was 42 days pass due and another rep. said i was 12 days pass due but they reported me having a 30 day late on my credit report. that is incorrect and i am asking for that to remove from my credit report and to remove the late fee.
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} AND ANY OTHER ACCOUNT IN YOUR OFFICE ASSOCIATED WITH MY SS # Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting 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)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account name : XXXX Account number : XXXX Amount : {$110.00} Account name : XXXX Account number : XXXX Amount : {$200.00} Account name : XXXX Account number : XXXX Amount : {$310.00} Account name : XXXX XXXX Account number : XXXX Amount : {$4500.00}
Consumer complaint received 2019-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called Transunion Credit Bureau back on XX/XX/2018, to dispute the following unauthorized inquiries that are showing on my recent report I pulled from XXXX XXXX .XXXX The agent on the phone was rude and would not assist in my request. List of the inquires are the following : XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX   XXXX via XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX via XXXX XX/XX/2018 TRANSUNION XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX   XX/XX/2018 TRANSUNION XXXX XXXX XXXX via XXXX IXXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XXXX XX/XX/2018 TRANSUNION
Consumer complaint received 2019-05-10
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: EQUIFAX, INC. (FL)

I contacted Equifax regarding 13 unauthorized hard inquiries I found on my report and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue. It has been well over 45 days and not 1 hard inquiry has been removed. They are not cooperating ad it's getting really frustrating because these hard inquiries are affecting me. The hard inquiries listed and all unauthorized.XXXX  XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX. THE XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I have an account on my credit reports showing in collections, that I do no not recognize. The specified details on this account seems frivolous. It appears to be utility services through XXXX in which I have never used them as a service provider.
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CO)

I never signed a contract with XXXX XXXX and XXXX XXXX was in agreement. However, they put a {$580.00} collection on all three credit bureaus. 

This is not my debt, I do not owe this collection and they refuse to remove it.