davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc. (HI)

My husband and I started the XXXX loan assumption process on XX/XX/year> with Mr. Cooper Mortgage XXXX. We submitted all requested documents. We reached the step of providing home insurance binder and verification of employment. On XX/XX/XXXX, the loan processor/officer informed that my husband XXXX of XXXX ( XXXX ) is not enough to cover the sellers XXXX, and our loan application is canceled. This is desvating to both of us and the sellers. XXXX would be the first thing the underwriter checked when the application first reviewed. We understand that this is a XXXX rule, but should we have known about this in XXXX, we could have fixed this issue. We received a conditional approval in XXXX with nothing mentioned about XXXX. 
This is not fair for us or anybody. 
We are now in severe XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX I was physically on a Southwest XXXX XXXXXXXX from XXXX XXXX to XXXX ( then on to XXXX ) when a flight attended said we could get a special credit card offer : XXXX miles and a free companion pass if spend {$4000.00} in the first XXXX months. She handed me a flyer. I signed up using this flyer. There was NO OTHER OFFER shown. 

I spent over {$4000.00} in the first month, and I called Southwest in late XXXX as I didn't see the companion pass showing on my account, which was after my first statement balance was paid in full. They said it could take XXXX weeks to show up in my account. I also saw a 25 % off coupon for XXXX flight which they said they didn't know where that came from ( neither did I ). 

XX/XX/XXXX : I again didn't see the free companion pass offer showing, but noticed that my points balance was much higher than expected, and noticed an additional XXXX points were added after my first statement ( Southwest didn't mention that they saw this in my account in XXXX ). They suggested calling Chase Card Services. 

I contacted Chase card services and the representative said it still could be taking XXXX weeks ( which would be into the first week of XXXX as I signed up on XX/XX/XXXX ). There was no discussion about it being a different offer than what I signed up for. 

XX/XX/XXXX : I needed to book flights and still didn't see the companion pass which I signed up for, so contacted Chase again and explained the above. They said a case would be opened. I received a 'letter ' that stated : -- -- -- - We appreciate your interest in our new offer to receive XXXX XXXX and XXXX bonus points. 
Unfortunately your account isn't eligible to receive it. Promotional offers are only available for select credit cards and aren't transferable between accounts. 
You can manage your account and ask us questions at www.chase.com/cardhelp. 
Sincerely, Card Services -- -- -- -- -- -- -- -- So this did not sound like a proper reply to my situation, so I called Chase again on XX/XX/XXXX and spoke to XXXX, an overnight supervisor. After looking at my account and the letter, she stated that there is no guarantee that a consumer will get the same offer they sign up for. She referred me to this 'offer terms ' : Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply.

This was a bait and switch, or a mistake in their sign up system. I DID follow and review the offer when I applied, which was NOT what they gave me. The 'offers may vary ' does not mean they can change the offer if you 'take advantage of this particular offer now ' and 'apply through the method provided in this advertisement '.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I attempted to XXXX {$2500.00} to my Chase Personal Account. Unfortunately after the deposit my account did not reflect my Balance as deposited. I attempted to contact the Bank to no avail. I then attempted to deposit {$1.00}, and recieved the same results. This happend at XXXX XXXX XXXX, XXXX, NY. This happend at the ATM machine located at XXXX XXXX up ATM. This happend at around XXXX on XX/XX/XXXX, Sunday.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

This account was charged off on the following date XX/XX/2019 Since then the account has repeatedly been updated as Discharged through Bankruptcy XXXX XXXXNever Late every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Bank # XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NV)

I have no knowledge of these hard inquires showing on my account. The hard inquires are a result of an identity theft and it must be removed. as per 15USC 1681 C2. 

XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I Closing on my home I received an email with a wire transfer sheet from the title company that I thought was the title company went to the bank wired the cash. The title company told me that they never got any funds from me then I figured it out it was a scam.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

When my loans went back into repayment with Mohela after the Covid-related pause, I am not longer on an IBR plan like I used to be, even though I was told that my payments would return to an IBR if I already was on one ( especially because I am enrolled in the Public Service Loan Forgiveness program as a special education teacher ). My payments are higher than they should be and I am concerned my payments might not count for PSLF. 

I also have applied for the SAVE program three times over the past few months and my payments still have not changed to the SAVE program, which would reduce their price.

I have been sending regular messages to MOHELA through their contact form which they say they will respond to within 3-10 business days but have yet to ever hear an answer back, months after my original message. I wait on hold on the phone with them for hours, but have not been able to get through to anyone before having to return to my job.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (HI)

Dear XXXX Team, Thank you for your response dated XX/XX/2024, regarding the dispute I submitted on XX/XX/2024, through the CFPB Complaint Portal. While I appreciate your efforts to review my concerns, I am writing to challenge the method of verification used in this instance and to request further clarification in accordance with the Fair Credit Reporting Act ( FCRA ). 

Firstly, I respectfully assert that the method of verification employed by your public record vendor may not be compliant with the stringent requirements outlined in the FCRA. Specifically, Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must conduct a reasonable investigation to verify the accuracy of disputed information. The method of verification must be thorough and involve direct communication with the source of the informationin this case, the public record custodian or the court itself. 

It appears that your process relied solely on the information provided by a third-party vendor, rather than directly verifying the information with the court where the bankruptcy was filed. This indirect approach may not meet the FCRA 's requirement for a reasonable investigation. Therefore, I request a detailed explanation of the exact steps taken during the verification process, including whether XXXX directly contacted the court that maintains the public record. 

Additionally, under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I have the right to request a description of the procedure used to determine the accuracy and completeness of the information. Please provide me with a comprehensive description of the procedures and methods used by your public record vendor to verify the disputed bankruptcy information. 

Furthermore, the FCRA requires that credit reporting agencies maintain accurate and complete records. Given that the verification process appears to have been insufficient, I urge XXXX to re-investigate this matter by directly contacting the court where the bankruptcy record was filed to verify its accuracy.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX Re : Dispute of Inaccurate Credit Report Information Pursuant to XXXX XXXX  ( 15 USC 6802 ) To Whom It May Concern, I am writing to dispute the accuracy of information in my credit report as provided by your agency, XXXX This dispute is made under the provisions of the XXXX XXXX ( XXXX XXXX XXXX ), which ensures the accuracy and integrity of my financial information. 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report and found inaccurate information regarding my account with VELOCITY INVESTMENTS LLC. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
Under the XXXX XXXX, I am requesting that [ XXXX ] conduct a thorough investigation into this matter and correct any inaccurate information on my credit report. Please investigate this dispute and provide me with the results in writing. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents support my claim and demonstrate the accuracy of my account information. 
Furthermore, I request that any corrected information be sent to XXXX XXXX XXXX and to all other credit reporting agencies that have received this inaccurate information, as required by law. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-02-13
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. (TX)

On or before XX/XX/2021, On or before XX/XX/2021, On or before XX/XX/2021 I have contacted the credit bureaus in regards to accounts that do not belong to me. I am a victim of id theft, I am a victim of credit fraud, I have mailed in sever id theft reports to the credit bureaus and to no avail. The following accounts are identity theft accounts and shall be removed at once. 

1. XXXX XXXX  2. Account name unknown 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX  6. XXXX XXXX student loans 7. Any and all Inquiries within the last 2 years 8. Any and all addresses within the last 2 years 9. Any and all names that do not match my legal name 10. Any and all telephone number. 11. Online information systems I hereby grant and give permission to the consumer finance protection to act and submit this information on my behalf to the credit bureaus. Any and all collection accounts listed in the report all collection accounts in the report. I hereby demand they be deleted and removed at once.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XXXX XXXX XXXX Re : Dispute of Inaccurate Credit Report Information Pursuant to XXXX XXXX ( 15 USC 6802 ) To Whom It May Concern, I am writing to dispute the accuracy of information in my credit report as provided by your agency, XXXX. This dispute is made under the provisions of the XXXX XXXX ( 15 USC 6802 ), which ensures the accuracy and integrity of my financial information. 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report and found inaccurate information regarding my account with VELOCITY INVESTMENTS LLC. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
Under the XXXX XXXX, I am requesting that [ XXXX ] conduct a thorough investigation into this matter and correct any inaccurate information on my credit report. Please investigate this dispute and provide me with the results in writing. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents support my claim and demonstrate the accuracy of my account information. 
Furthermore, I request that any corrected information be sent to VELOCITY INVESTMENTS LLC and to all other credit reporting agencies that have received this inaccurate information, as required by law. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I am submitting this complaint to address an issue concerning late payments on my credit record. Upon reviewing my records, I found these late payments present. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed 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 crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MD)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have informed XXXX, XXXX and Transunion that they are all reporting my XXXX payments and dates differently. 
They have failed to accurately update the payment history. In accordance with FDCPA 807 violation- reporting inaccurate and misleading information has to be deleted immediately. Please have this removed.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.