davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (VA)

2019 has been a challenging year for me with a chapter XXXX, along with a loss in employment. XX/XX/2019 I had finalized a chapter XXXX resolving my debt, although it did not help when trying to get help from Ditech. I was behind on my mortgage informing Ditech of my situation the request to suspend my payments did not get approved along with requesting a home modification. I was delayed twice with the application by Ditech, stating i did not provide sufficient information, which is inaccurate. One blank page of my bank statement was not included, therefore flagging my application to be incomplete. Why is this important, bc it delayed my modification process. Well, based on what they have claimed, ditech would not allow for a modification due to one being implemented within a 1 year period. This makes no sense to me. They made me wait two months to tell me they would not grant a modification bc I had a modification within 12 months? This is inaccurate. It was over 12 month since my last modification and what does a 12 month timeline have to do with a request for modification? I believe this shows that I am willing to find a solution to solve my financial difficulty, in good faith that I want to stay in my home and pay my mortgage. My account needs to be investigated bc they never forgave my mortgage, the suspend a percentage of my mortgage and increase the repayment time over 40 years, leaving me with a heft lending rate and a heft balance. In addition to they placed my house into foreclose XX/XX/2019 and since XX/XX/2019 i have found secured employment, allowing me to now afford a mortgage repayment and bring my account out of foreclosure. My account is still shown open, the payment in back payments is shown that I can make a {$14000.00} payment to bring my account current, yet Ditech is indicating that there are " anticipated fees '' that is my responsibly? Wait, i am in the position to make a payment but now you want me to incur fees that i have not incurred? Do they want me to become current and stay in my home or are they trying to penalize me for falling behind and falling into financial hardship? This is a horrible feeling and as I try to resolve a financial deficiency, why am i being penalized for this and not allowed to make a payment directly to the bank? 

in addition to, how does Ditechs financial bankruptcy play into my mortgage?
Consumer complaint received 2023-01-16
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: Experian Information Solutions 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 the 15 USC 1681. 

Account Name- XXXX Acct # XXXX XXXX XXXX XXXX Acct name- XXXX Acct # XXXX 15 U.S.C1681 section 602 A. states that I have the right to privacy.

15 U.S.C section 602 A. It states a comsumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reports containing any of the following items of any information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NV)

There are several reported fraud instances on Chase Freedom card dating at least from several years ago. None of these instances have been resolved. Some charges may not have been correctly documented by Chase. I have contacted Chase fraud MANY times over and have spoken to someone in the executive office and still no resolution. Please resolve.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

Contacted Equifax in reference to data breach and information on my report not being correct. I applied for an Assistant Manager position at a XXXX XXXX ask for XXXX and end up having to take a XXXX pay cut due to incorrect items being on my report that I had no knowledge of. I have a email from the Regional Director and HR explaining to me that I had to explain my situation and what happened with my credit therefore they couldnt do my asking price because of my credit.
Consumer complaint received 2024-06-14
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: CLGF Holdco 1, LLC (FL)

I received an email from XXXX XXXX XXXX  stating that I had applied for a credit card product called Milestone on XX/XX/XXXX. I promptly contacted the company to report this as fraudulent activity and requested that they remove the inquiry from my credit report and withdraw the application from their system. However, on XX/XX/XXXX, they ran my credit report again, despite my prior report of fraudulent activity. It appears that this company lacks the necessary security protocols to handle such claims. 

The issuing credit card company is Concora Credit Inc .
Consumer complaint received 2019-12-29
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. (GA)

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general.

Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Inquiry Date : XX/XX/19 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2020-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I got a call from my ex-husband, daughters saying that they a have a pkg to delivery in my name these people are calling all family members and also texting them. I do not have an account with them they said if I would pay XXXX they would not summons me to court. I called the number they are texting from and calling and I explained to them I do not have a credit card with them nor do I owe them anything they said this is from XX/XX/2014 and I owed XXXX but they will settle for XXXX. I said send me the paperwork and they said no you will be summoned to appear in court and hung up on me. the number they are calling from is XXXX and XXXX. They have even called my work threating. my ex-husband I have not been married to for 35 years.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NV)

I recently applied for a credit card. The card was denied to me by your bank. Please see the reason ( s ) provided by your company. It appears the reasons are based off actions your company established such as accounts you closed. Closed accounts closed by bank should not be counted as negative. Please be specific as to which portions of my credit report were used and which accounts you used in your consideration if any and what information about the accounts you used. Please open requested credit card account immediately. Thank You
Consumer complaint received 2023-01-16
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. 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 XXXXXXXX
Consumer complaint received 2020-06-09
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. (FL)

i have disputed with all 3 credit bureaus ( XXXX, XXXX  and experian ) and all 3 bureaus continue to report inaccurate information. i have sent them letters to verify these accounts and have asked them to either prove that they indeed belong to me by providing me with a binding agreement documentation that bears my signature or accounts that show i've been late for payments. i'm not here to play games as these negative items impact my credit score and i believe that they do not want to delete because they will lose monitory income if they delete the accounts.
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (OH)

Chase liesto you initially first reference number is attached along with all documents support I'm telling the truth and they are cowardly being protected by you. Credit bureaus attached do not have Chase on my credit report and what card I have as well are attached
Consumer complaint received 2022-06-14
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: ERC (OH)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been fighting this situation with bank of america for over 9 months back in XXXX I had filled a claim on transactions I did not make realizing all my XXXX funds had been removed from my account I had requested a card to be sent to my home we're I live in a apartment complex were there is over XXXX apartments low income alot of theft has happened in this apartment complex I have made XXXX police reports due to my mail box being broke into people taking my mail the XXXX XXXX has to put a new lock on my box everytime this happeneds I reported all of my transactions and in XXXX I was only paid out half of my claim XXXX I spoke to a supervisor regarding my situation and was advised to send my documents over to bank of america I then faxed over everything the requested and now have had to do it 5 times and have done so they sent me a picture of a person at the ATM who has XXXX hair witch is clearly not me of they matched my id to the ATM they would have paid me out on all XXXX of my claims a supervisor found the other XXXX claims I was not even aware of and advised me to file claims on these a totle of XXXX claims now been calling everyday trying to get them paid out witch has put me in a very hardship leaving me and my kids XXXX XXXX XXXX XXXX  we lost are home due to these complacations very frustrating I have had to reopen my claims escalte them emails to the back office provided every document possible and still to this day I have not gotten anywhere I contacted XXXX XXXX state cenitors representative and explained my situation to her also and she agreed bank of America edd prepaid card was incorrect about there disition please help I can't get any answers been trying for over 9 months thank you ... XXXX XXXX
Consumer complaint received 2019-12-20
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. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

i have disputed with all 3 credit bureaus ( equifax, XXXX  and XXXX  ) and all 3 bureaus continue to report inaccurate information. i have sent them letters to verify these accounts and have asked them to either prove that they indeed belong to me by providing me with a binding agreement documentation that bears my signature or accounts that show i've been late for payments. i'm not here to play games as these negative items impact my credit score and i believe that they do not want to delete because they will lose monitory income if they delete the accounts.
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have a couple of credit cards with Chase, I had a good relationship with them. I was receiving business credit card offers from Chase often so I decided to apply for one of them since I already had one that had cash back rewards, this one was offering miles that I can use for traveling. I travel a lot for business purposes so that card suited me well. XX/XX/XXXX of 2019 I applied for the card and application was pending, after 3 business days I called customer service to find out application status and they were really rude and XXXX, did not answer any of my questions and just very rudely said we will notify you in 30 days. On XX/XX/XXXX I called to make a payment on my chase business credit card since payment was due on the XXXX, and I found out my account is closed. I contacted customer service to find out the reason, and they said whoever handles that department is closed for XXXX and will return on XX/XX/XXXX so they told me to call back. I called on the XXXX and I was transferred to that department and I asked what is the reason behind the closure to my accounts. They closed 3 of my chase accounts. 2 of them are personal and 1 of them is business. They said the reason why its closed is because you have a XXXX credit card which is linked to XXXX XXXX that has been closed due to non activity for a couple of years. Recently XXXX XXXX XXXX   closed my account as well due to no specific reason. So Chase said since those accounts are closed we decided to close your chase accounts as well. So as of now I had a feeling as if they were asking me what I wanted to do, I said I want you yo reopen my accounts, customer service said we cant open your accounts unless you speak with the supervisor, hes the only one that can reopen the accounts. I said ok and waited for the supervisor to call me. Morning of XX/XX/XXXX I received a call from the supervisor and she sounded from plain, rude, as if she didnt even care whats going on. She said we can not reopen your account and its final. I have nothing to say, all I can say is that they dont have the right to just close down my accounts without a legal reason.
Consumer complaint received 2019-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Currently to pay your loan serviced by Navient over the phone you have to give your full social security number ( SSN ) or your account number. The option of giving my full SSN to the employee that answered my call to verify the account means that this employee  already has access to my SSN and not an abbreviated version of it. It concerns me that people at this level of employment have access to this detailed information. In today 's society with security breaches that seek to steal peoples personal information and the ramification of these known issues gravely concerns me that Navient would open themselves and their customers to such a large liability. The amount of customer service representatives that have access to this information not only nationwide but globally is extremely concerning. I hope my concern gives rise to the potential damage to the more than 12 million debtors that Navient currently services. 

The only employees that should have access to this information should be at the point that they are in litigation about payment of loans. Trying to pay my loan which is reducing my debt and not adding to it should not have such revealing information attached to the process.
Consumer complaint received 2022-10-05
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)

When I review my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate and investigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX BANK Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-16
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. (MD)

TransUnion credit Bureau is reporting unauthorized inquiries XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXXXX/XX/22 XXXX credit Bureau is reporting unauthorized inquiries XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 I contacted both Credit Bureaus to resolve the issue but was denied
Consumer complaint received 2020-06-09
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. (AR)

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.