davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I had a balance of {$48000.00} in my account. Chase Bank closed my account on XX/XX/XXXX without notice. I have been very patient with them. As of today I still have not received a check for the balance that was in the account. I have called several times and told that account is under investigation with no reason why. 

The calls are as follows, with each call being around an hour : XX/XX/XXXX Account still under investigation call back next week. 

XX/XX/XXXX Account still under investigation call back in 2 weeks. 

XX/XX/XXXX Account still under investigation. The department investigating can not be called. Was told in can take 90 days from closure to complete. I asked for them to send copies of my bank statements. 

XX/XX/XXXX Account still under investigation. The department investigating can not be called. Was told they can take how long they want to complete the investigation. 

XX/XX/XXXX. Went into the Chase Branch on XXXX XXXX XXXX in XXXX, LA XXXX Spoke with XXXX and XXXX XXXX. Stayed there for over an hour. 
They called and was on hold as well, finally spoke with someone stating that the investigation was complete but they were no notes to tell them what to do with the funds, but I will receive something in one week and they would email. 

XX/XX/XXXX. Went back to the bank, they said they never received an update. 

XX/XX/XXXX Called in and received the same response. Asked to speak with the supervisor. Threatened to sue and received the legal team address to send lawsuit. 

XX/XX/XXXX. Went back to the bank, they said they never received an update. 

XX/XX/XXXX. A check was mailed to me for {$4000.00} stating that it was the balance of my closed account. I never cashed this check because it is not the balance. 

XX/XX/XXXX. Account is still under investigation and they have no further information.
Consumer complaint received 2021-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/21 I sent correspondance identifie all inaccurate items. As of today over 45 days later I have not received any communication. I feel like Im on a hamster wheel with this issue. I recently found out my information was compromised in the XXXX  data breach and now more than ever I feel my information may have fallen into the wrong hands. I ask for your assistance to get these erroneous/inaccurate items removed from my report.
Consumer complaint received 2023-01-01
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. (TX)

My student loans were transferred from XXXX to XXXX and some credit bureaus were counting the loans twice on my debt to income ratio. XXXX and XXXX corrected this mistake but Experian has not. 

I opened the account dispute on XXXX XXXX, XXXX and Experian completed its dispute on XXXX XXXX, XXXX. 

The amount of the account is {$42000.00} from XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-13
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. (OH)

I have previously submitted a police and FTC Identity Theft report. Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 regarding your continued willful and negligent noncompliance. 

Despite numerous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have properly verified that an account listed on my credit file is mine by having copy the original credit application on file. In the results of your first investigation and subsquent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Who in your verifed these accounts are mine? How did they verify them? You still have provided me with the name of the individual, business address, and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verfication as required under Section 611 ( 5 ) ( A ) - you are required to '' ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing ligation in this matter to enforce my rights under the FCRA. 

I demand that you send me copies of the documents you used to verify the following accounts listed below or your delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

ACCOUNTS : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX Checking account opened online with Bank of America XXXX Called and verified, was told to visit a branch. 
XXXX left message for Mgmt to call, no response. Called Bank of America.. 

Verified chk was opened online. She advised i visit a local branch
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hello, I've been sending dispute letters since XXXX of 2020 asking for an investigation in regards XXXX XXXX reporting inaccurately on my credit report. Over 5 letters have been sent and I haven't received any results or any notification that this account has been investigated. This account is still reporting inaccurately on my credit report and it is damaging to my credit profile.
Consumer complaint received 2022-03-23
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. (NJ)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. 
On the above dates I have submitted dispute to Experian in regards to an bankruptcy on my credit report. I submitted documentation from XXXX XXXX to Experian because its stated they verify my information with XXXX XXXX. I even inform Experian that its illegal For them to contact a third-party regarding someones personal information. Experian is supposed to do the investigation on their own. I submitted the documentations that I receive from XXXX XXXX that there is no bankruptcy on their end regarding me. Experian failed remove the bankruptcy even though I submitted documentation. I would like this to be removed off my credit report. I have been deny credit because of this reporting on my credit report. Im unable to get certain things due to this being on my credit report. And I would like this to be removed within 30 days
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My debit card was stolen on XX/XX/XXXX and from XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX there are XXXX atm withdrawals equaling to {$5000.00} my bank is refusing to give me my money back even with all the police reports detectives name and number and case number the charges are from XXXX XXXX and the XXXX Ive been fighting with this bank for a month my debit card was stolen my car was stolen and my cell phone was stolen I need help getting my funds back
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credible Labs Inc. (NJ)

I started a mortgage refinancing process on XX/XX/2021 with : Credible Operations , Inc., NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I understood later that they represent XXXX XXXX XXXX. 

Since the day I started moving forward the process has been terrible. Very frustrating to say the least. Not only that they requested me to send numerous documents but some of them requested twice and some of them just with no justification or already in their hands - best example is asking me for my DOB when they have my driving license copy in their hands. It often felt like someone deliberately trying to fail the application.

On top of that I received at least 3 or 4 different loan agreements to sign. Each one had different numbers on it from the others : closing cost went up as well as cash out total changed every time. Looks so unprofessional to say the least. 
Responsiveness of the company is indescribable. Never calling back on time, lack of knowledge, never giving me answers, never updating me on time so I know what is going on. 
My suspicion was that because I locked on a low rate of 2.25 % for 15 years fixed they felt uncomfortable with it as rate went higher. It seems like someone is trying to delay my process as much as possible so eventually they can come back and say it didn't work so they can update the interest rates higher. Till this day my loan is still not closed despite numerous phone call emails requests for someone to please let me know what is going on. I seek help on this from you as much as possible. 

Thank you
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I REVIEWED MY CREDIT REPORT AND NOTICE THERE WERE SEVERAL ACCOUNTS THAT WAS ON THERE THAT DID NOT HAVE KNOWLEDGE ABOUT MY ID WAS USED OVER THE YEARS I DID NOT GIVE ANYONE CONSENT OR PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (IL)

I have a credit building card through Chime, XXXX XXXX XXXX XXXX The Chime credit building card is a pre-paid card that can only have a negative balance of a maximum of {$50.00}. On XX/XX/XXXX I transferred {$250.00} from my Chime checking account to my credit builder card account. I paid a storage unit payment on XX/XX/XXXX for a total of {$200.00}. On XX/XX/XXXX I made multiple purchases through XXXX for {$50.00}. At this point, my credit builder account had a negative balance of less than {$1.00}. On XX/XX/XXXX I received an email from XXXX XXXX that said my credit was impacted and my XXXX XXXX went down. When I checked my XXXX XXXX  account it showed that Chime reported my credit builder account had a negative balance of - {$230.00}. After looking into my accounts I disputed the balance in XXXX XXXX. Today XX/XX/XXXX, I contacted Chime to find out why my credit builder account reported a negative balance. They told me that it was how the credit agencies interpret chime reports and i would have to dispute it with the credit agencies. I have since turned off my credit builder card with a balance of {$0.00}. I then googled if anyone else had a similar problem with Chime. I found that this problem has been happening for years and has yet to be corrected by anyone.
Consumer complaint received 2022-12-31
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)

Here is the recurring problem the credit bureau has been called XXXX XXXX about there handling of my credit report. This company transunion. Has for years taken my XXXX XXXX down for no credit being used. Never goes up when cards are paid off or accounts. They just lower score at least XXXX to XXXX points and never raises for months just reduced score
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Negative items on my credit report has happened to me as a result of fraudulent practices of a school I once attended ( XXXX Colleges ). This college was found guilty of violating state laws using illegal and deceptive tactics. I am being punished by having these loans reported on my credit report. According to William D Ford Direct Loans under the borrower defense these loans have been discharged.

The original lender sold these loans to a 3rd party and the capitalized interest increased significantly over the years. Making my current loan amount exceptionally high. I dont owe this debt and I didnt benefit from the fraudulent school. 
I have requesting these fraudulent loans be remove from my credit report 3 years ago. I have recently made another request to the credit bureaus. I am requesting your assistance in getting the credit reporting agencies to adhere to the guidelines of the Federal Fair Credit Reporting Act as it relates to reporting these loans on my report, These loans on my credit report have prevented me from obtaining credit, buying a home and causing me to have poor credit. Essentially making my life miserable.
Consumer complaint received 2022-12-31
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. (PA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (GA)

Good evening. someone has used my identity to try and open some account that i am not aware of. 
XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX `XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX `
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX noticed a Few inquiries on the report that was false I already claim an identity theft report also oattached of accounts that do I never applied for. I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. the false inquiries were XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Negative items on my credit report has happened to me as a result of fraudulent practices of a school I once attended ( XXXX Colleges ). This college was found guilty of violating state laws using illegal and deceptive tactics. I am being punished by having these loans reported on my credit report. According to William D Ford Direct Loans under the borrower defense these loans have been discharged.

The original lender sold these loans to a 3rd party and the capitalized interest increased significantly over the years. Making my current loan amount exceptionally high. I dont owe this debt and I didnt benefit from the fraudulent school. 
I have requesting these fraudulent loans be remove from my credit report 3 years ago. I have recently made another request to the credit bureaus. I am requesting your assistance in getting the credit reporting agencies to adhere to the guidelines of the Federal Fair Credit Reporting Act as it relates to reporting these loans on my report, These loans on my credit report have prevented me from obtaining credit, buying a home and causing me to have poor credit. Essentially making my life miserable.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The loan is a US DEPARTMENT OF EDUCATION LOAN FOR THE AMOUNT OF XXXX $ However it was opened XXXX XXXX which was a education loan. However I have tried disputing this loan and asking for a deletion of this account because I was not EVER in a college during this year. Somehow someone has gained access to my information and applied for a education loan in my name. I have not had any feedback about this account. This account is still opened and it is showing on my credit report. It has damage my credit report heavily. 

Im asking you guys do a thorough check and have this creditor remove this item please.
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (MI)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2023-05-05
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. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX