davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (MD)

In a previous complaint on XX/XX/2021 about XXXX XXXX XXXX XXXX when he hung up me his last words were I can't do business with you! This was after he had done a hard look at my credit report with my permission. On XXXX XXXX I received a statement of credit Denial, Now he has looked at my income, WITHOUT my permission. I DID NOT ASK FOR ANYTHING but a Interest rate. I never told him anything about what I was looking for! Since this letter was dated XXXX XXXX had he received my complaint and trying to mess with credit! I want all XXXX XXXX To clean this off my credit reports and New Day to explain why He was ALLOWED to Do this. I have approvals from other lenders I was just looking for a better interest rate! Someone needs to control this Individual! 
Thank you XXXX XXXX XXXX
Consumer complaint received 2021-03-22
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. (TN)

I have tried contacting all 3 credit bureaus to drop these inquiries. XXXX is no help even after speaking with a customer service representative. I can not get experian or XXXX  to take them off either.
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

I am writing to address this organizations refusal to assist with credit reporting. As with many others I was severely impacted during this past year. After losing a company, a job, my brother, and my father to XXXX, I like many others found myself unable to meet my obligations. America First Credit Union advised they understood what I was dealing with at the time and agreed to defer payments and limit collections on account during this time. However, they failed to provide any real options for assistance and instead have reported this account as being delinquent for the past year. How can an organization that is doing business in America during a pandemic absolutely disregard the needs of its consumers and continue to report detrimental information after advising they would assist. It is of no help to offer to hold off on payments and collection proceedings due to a worldwide pandemic, however still lack in the actual real help provided to people during such a difficult time. After burying my brother and father within a few months of each other I have been able to get myself back to current however am attempting to address the substantial delinquent claims being made to my credit reports. I have attempted to contact America First to discuss this discrepancy within their claims of assistance however was met with an unwillingness or desire by its associates to assist in correcting this. I will ask that America First review its decision to refuse assistance with regards to credit reporting based on the multiple hardships and losses that I personally faced this year and to please review and reverse its decision for negative credit reporting. To provide assistance to its consumers it must fully understand the position of its customers and adjust its practices and procedures during times where the whole world has had to make concessions based on a virus that has crippled the economy and set records for the amount of lives lost. I am able to provide any and all documents that would be requested of me to validate my claims of loss and hardship.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (SC)

I have an XXXX Chase credit card which I have had for a few years. I have a credit limit of {$12000.00} and I owed over $ XXXX on the loan. I am currently going through a divorce and I was trying to purchase my own home. In order to qualify I needed to pay down some revolving debt. I paid off XXXX on the XXXX chase card. Doing this helped my debt to income as well as my Utilization. Let me preface this by saying I have never been late on 1 payment with Chase. I have made all payments on time for years. I pay them off and boom I qualify for my house and I am ecstatic. I get a letter in the mail dated XX/XX/XXXX. They are lowering my credit limit to {$7500.00}. Why? I have too many high debts on revolving accounts. OK but I need this to help my utilization. I called Chase on XX/XX/XXXX and she told me the PRR department wasn't in and to call the next day. I called on XX/XX/XXXX. I explained to the guy the situation, he was smug, in my opinion, and told me he had to pull my credit. I had paid off other debts and had a plan to pay more down. They tell you when you get preapproved to not apply for any other cards. I allowed him to pull it only for him to come back and deny me. So I can be approved for a {$240000.00} house but now a {$5000.00} increase in the amount I had just paid. The guy kept trying to get me off the phone as I was asking for further explanation and help as to not allow my score to drop where I didn't qualify for certain mortgage products. He didn't seem to want to do anything else to explain or help me. There are no exceptions and they do not account for any mitigating circumstances. I know Chase bank is a big company but I thought they would be more willing to help the people who have accounts with them. This does not create any sense of loyalty or wanting to advocate for other people to join Chase. If anything I would tell them to stay away because if you need them, they will not help you. The rep I was speaking to at Chase only advised he could have someone call me when I asked to speak to his manager.
Consumer complaint received 2021-03-22
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. (AL)

In XXXX of 2021, I disputed a collection items, XXXX XXXX Account number XXXX with thisTransUnion and XXXX as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Consumer complaint received 2023-02-10
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, because they pulled my report as a soft pull, hard pull without my written or spoken permission. 
Account that pulled my report without permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A : states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 U.S.C 1681n ( A ) ( 1 ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I am entitled to a full {$1000.00} ( violation ) payment. Please process the payments as soon as possible and provide me with written confirmation through mail that the payment has been completed.
Consumer complaint received 2020-03-31
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (TX)

Good Afternoon! 

address PER REQUEST I received a check from my XXXX in XX/XX/20. 
payer 's name XXXX check XXXX amount XXXX I remotely deposited on XX/XX/20. called their account. here comes XX/XX/20 my bank chase took XXXX back said it was a returned check ( bad check ). I called so many times to the back and keep bouncing around from customer service to claims and claims to customer service/ b/c no one know how to check the image of the check or see what happened. customer service put me on hold for 3 hrs and then another 3 hrs to speaks to someone in claims and then line drops. I and my XXXX went into chase bank. spoke to a banker clarify that check was clear from my XXXX 'XXXX bank and nothing was credit to my clients bank nor my bank. no one knows where my funds are. I am a XXXX XXXX XXXX patient and chase bank is making me cry every day and going through XXXX and XXXX. I would like to file law suit against chase. please assist.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2021-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (PA)

I paid off one of a two part disbursement in XX/XX/XXXX and had to discontinue autopay to prevent another payment from being withdrawn from my account. In attempt to do so, Sallie Mae advised that I need to unenroll from autopay completely and re-enroll once I saw the account that was paid off was at a {$0.00} balance. 

I did as requested, waited for the {$0.00} balance, and made payments manually to the remaining two accounts to ensure my payments were on time. After the XXXX due dates passed and I confirmed the {$0.00} balance on the account I paid, I returned to their website to re-enroll in autopay - well in advance of my XXXX due date. This meant that two accounts needed to be enrolled, which I did. As you'll see attached, the online portal shows that all accounts are enrolled. Despite this, only one of the two accounts were enrolled. A payment was withdrawn from the single disbursement account only. 

On XXXX, XX/XX/XXXX, I began to receive collection calls for a past due amount. I asked them to review my autopay and explain why the payment wasn't taken. They were unable to explain why that happened on the one account while the other went through. I asked to speak with a XXXX several times and the collections person continued to ask to take the payment over the phone. Finally the person agreed to transfer me. I've now been on hold waiting for a XXXX for 24 minutes.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

this account is on my credit report 3 times its with capital one an XXXX which is a third party debt collector, nither company has given me in proof that is my debt pls be advise i am formally asking you to provide me with a full an proper documentation substantiate this claim
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (PA)

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Consumer complaint received 2021-03-22
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 290 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-03-22
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. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 290 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-03-22
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. (IL)

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : XXXX. The following account is not mine XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

XXXX. Mistaken Identity XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. This account resulted due to identity theft. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2020-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$0.00} XXXX XXXX {$680.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00}
Consumer complaint received 2024-03-21
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-22
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. (NJ)

Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Consumer complaint received 2020-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (VA)

Numerous calls about collection of account with XXXX XXXX, received a letter offering to settle the account. i took the settlement and paid dish network as instructed to do. now they started calling everyday and some times 2=3 times a day about payment on thia account. Dish deposited the check in early XXXX. Covergegent is co that is continuously calling i have instructed them not to call me as this account has been satisfied
Consumer complaint received 2024-03-18
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. (CA)

I reviewed my recent credit reports on XX/XX/2024 and observed an open credit card from XXXX XXXX that I did not authorize to open. I sent a letter to XXXX XXXX telling them that this credit card was opened fraudulently, but they refused to investigate the matter. They said, " Looks like this letter came from a credit repair and won't investigate. '' I requested the investigation, but they are not removing this fraudulent account. 

I need your assistance in getting this XXXXXXXX XXXX  credit card removed from my three credit bureaus.
Consumer complaint received 2021-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CARTER-JONES COLLECTION SERVICE, INC (TX)

Carter and Jones Collection agency sent letter out to XXXX XXXX about a past medical bill from XXXX XXXX XXXX XXXX. The bill is from over 4 years ago and in another state which we previously lived. I called the hospital and they cant verify the bill. After that the collection agency somehow connected her bill ( my wife ) to my name. I then got a letter saying that bill was under my name. I did send in a disbute letter for both of us for that bill.