davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

I verbally accepted the 3rd option via Telephone with chase. The day I accepted the terms was the day I spoke to the representative XXXX. I requested several time that they mail me the terms and conditions. They stated that the document I was holding was a legal document and that nothing else was going to be mailed out. This information should be on the recorded messages, as all call are recorded. 

I began making payments every month on theXX/XX/XXXX. I called it in on theXX/XX/XXXX per our conversation. When I found out that I was not going to be able to modify the loan is when I placed the property up for sale. I tried getting the full balance owed so I can pay off the agreed upon total. The representatives from chase ( Contracted 3rd party ) refuse to take my payment or give me the balance owed with interest. 

What chase did was not right. I made all the payments as per our conversation. I never intended not to keep the property. They were rude and disrespectful. They would insult me various times. They placed a lot of stress on me, even though I told them I was not well they continued to be mean. it come to a point where nobody but the supervisor XXXX XXXX could have contact with me. nobody else was allowed to talk to me. I tried multiple times to escalate this matter to another department but nobody would respond back to me. 

I would understand if I had stopped making payments but I kept my part of the bargain. Chase is the one who retracted on our contract without any notification. They would not accept my payments or get back to me with the balance due. i feel they have shady busines practices.
Consumer complaint received 2024-03-08
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. (GA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, XXXX, XXXX & Experian. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from CDIA - Consumer Data Industry Association which became law. None of these  credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the XXXX above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( Experian ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ' & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

To date I have not received this information and again they are stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus XXXX, Experian & XXXX. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~
Consumer complaint received 2022-04-10
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: Bread Financial Holdings, Inc. (CA)

I XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade & Associates, Inc. (OH)

Mailed a debt validation letter on XX/XX/year> to med and associates Inc at XXXX XXXX XXXX XXXX XXXX OH XXXX I received a letter back from med and associates XX/XX/year> with just a statement and that was it nothing was validated from this company.
Consumer complaint received 2015-04-23
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Research Center, LLC (AL)

A copy of credit reports were received in XXXX 2015. I noticed an inquiry made by XXXX Mortgage. After several attempts with disputing, we were told that the actual creditor was Veteran United Home Loans. I then contacted the company to dispute the inquiry. The initial representative stated permission, to pull my credit, was given by my husband. I then replied no XXXX other than myself can give a creditor permission to access my credit file. I asked for a supervisor, but I was transferred to XXXX and explained my issue. He stated that he could not help me. 
A few days later I received correspondence in the mail dated XXXX XXXX, 2015 accompanied by a letter of denial for credit dated XXXX XXXX, 2015. I called again and requested to speak to a supervisor. The representative took a message and I was later contacted by XXXX XXXX ( XXXX ext XXXX ) Director of Customer Relations on XXXX XXXX, 2015. I explained my issue again and described the documents mailed to me. He also stated that there was nothing he could do. I was told by XXXX XXXX that by law they could pull my credit report, if permission is granted by my spouse. I disagreed, told them their actions were unethical, and again stated I gave no XXXX permission to access my credit file. I informed him of the statement on my husband 's credit report which specifically says to call before extending credit. XXXX XXXX stated there was no such statement on the report. I asked if the calls were recorded? I was told by XXXX XXXX no, because they talk to people in all XXXX states and to repeat a statement letting people know they are being recorded would take too much time. Also, said that recording, in some states, is against the law. XXXX XXXX offered to send a copy of the credit report. When I received the documents I reviewed them and on page XXXX of XXXX towards the bottom of the page is my husband 's statement to contact him. Certain steps are put in place as a measure to prevent fraud and identity theft. This company and representative chose to overlook the statement. 

I repeatedly requested for the entry to be removed without any resolution.
Consumer complaint received 2018-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I opened a card with this company, they immediately flagged my account for " security reasons '' despite me confirming my phone number and sending them my credit card information. I already submitted a complaint to CFPB. In response I received a generic letter stating that " we still need to verify your proof of address and proof of ID '' ( I already did this ) and some woman asking to " send in the proof directly to me, Ive enclosed a postage paid envelope for your convenience '' ( I am not sending my ID 's to anyone anymore at this company and how did you enclose an envelope in a PDF?? ). 

They copied and pasted a generic response unrelated to my case. And are lying about their offer. It was to receive {$150.00} when spending {$300.00} in the first month, which they blocked me from doing. I just want my account closed and will keep sending complaints until it is closed.
Consumer complaint received 2022-04-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer
Consumer complaint received 2022-04-10
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: TRANSWORLD SYSTEMS INC (CA)

I XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.
Consumer complaint received 2017-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

I borrowed {$2500.00} in XX/XX/XXXX. 8 payments of {$290.00} and 1 {$170.00}. If I were to pay this off today I would owe {$3100.00} after making all these payments. {$4.00} of each payment goes to the principle of this loan. I have asked for a hardship payoff due to a series of medical issues since XX/XX/XXXX. 1st an accident at work and then XXXX XXXX XXXX XXXX on my XXXX. I missed almost 3 months of work. I believe that this interest rate and loan process is so wrong. I also know that I was the XXXX that signed the paper. I want people to know not to do this. The XXXX XXXX  counselors almost talk you into getting the loan saying things like " I know you can pay it off sooner '' .. They basically schmooze you into thinking you can afford this.. After final payment the total I will have paid is {$14000.00}. There should be laws protecting vulnerable and gullible people like myself.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Due to identity theft and the unauthorized access to my checking account through XXXX XXXX, XXXX XXXX performed a security closure on my account, and opened a new account crediting me for the unauthorized transactions. The identity theft occurred after my scheduled payment to Citi, but prior to Citi presenting the payment request to XXXX. As a result my payment to CITI was returned, as it was processed under the account which had been securely closed to protect my identity. 
Immediately after learning of this returned payment I proceeded to make a replacement payment to CITI, however shortly after the initial payment being returned due to identity theft CITI proceeded to close my account without notice. 
When I called CITI requesting an explanation initially they were unable to provide an explanation, and only stated I should receive a letter shortly. 

On XX/XX/XXXX XXXX sent me a letter stating : XXXX XXXX XXXX XXXX was unable to process the payment. Contact them right away so a replacement payment can be made. 
Once you speak with XXXX XXXX XXXX XXXX, quickly and easily make a replacement payment in the Citi Mobile App or Citi Online. The payment will be credited same-day. 
Please contact XXXX XXXX XXXX XXXX directly for any further questions or clarifications about this returned payment. 

On XX/XX/XXXX I was told by a CITI representative that once the account was brought current the account could be reactivated. Should it be required I can provide transcripts of every call made to CITI regarding this identity theft case and account closure. I made the payment and received confirmation of the replacement payment being made. I also offered to sent CITI my identity theft affidavit as well the report made with the XXXX XXXX Police dept reporting the identity theft. However, multiple CITI representatives stated that would not be necessary and in fact refused my request to send it in. 

On XX/XX/XXXX I received the following notice : Hi, XXXX. As requested, we've closed your Costco Anywhere Visa account. Please be aware that you are responsible for your balance and will continue to receive monthly billing statements until it is paid in full. If there is a credit balance, we'll send you a refund within 90 days. 

I never requested my account be closed, and it was closed prior to XX/XX/XXXX contrary to what this letter states. 

My account closure by CITI due to my documented Identity theft are a clear violation of multiple consumer protection statutes, as well as a major violation of XXXX. Further violations are made by CITI stating the account would re-opened, being unable to provide a reason for my account closure initially, stating my account was closed because I requested it, which I did not, and refusal to reopen the account despite it having fraudulent transactions on it as well. 

My Citi account also has several active billing disputes, which prevent the account from being closed while being investigated.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

According to the FCRA, this inaccurate and unverified address must be removed asap from my credit report. XXXX XXXX XXXX I do not live at and I don't want my mail going to someone else with all the fraud that is going on right now. 
XXXX refuse to remove XXXX XXXX a employer I never worked for the other bureaus has
Consumer complaint received 2022-04-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (IL)

A person with the name XXXX, called and text my neighbors, and other family members on XXXX, and before. This person stated he wants to give a person listed on my agreement, a kiss. They repeatedly call my home, leave messages, and email me, all day long. I dont appreciate the harassment to my neighbors and family members.
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

they call me at least twice a week To try to get me to refinance my house I explain to them I dont wan na refinance and can you please stop calling me.Every month when its time for me to pay my mortgage they transfer me to a sales person instead of letting me do it through the automation system, every month it makes me reset my password on the online app just so that I have called them so that they can try to sell me to refinance.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF THE WEST (NY)

I, XXXX XXXX, have recently sent a cashier 's check from my bank XXXX to a contractor XXXX XXXX XXXX, for construction work. My check of {$6000.00} was deposited into his account on the XXXX of XXXX. My bank, XXXX will verified the check has been cleared only if Bank of the West calls, - ( XXXX ) XXXX extension XXXX - which they are not willing to do. Bank of the West refuses to pay out the funds to XXXX XXXX XXXX XXXX XXXX me. My construction project has come to a halt and I am getting calls, texts, and emails about the situation over the last several days, including the workers threatening to sue me for not getting paid. Kindly please see to this. I was told only Bank of the West will be able to fix and that XXXX can't do anything. I spoke with the branch manager, she said that she can't do anything due to not being on XXXX XXXX 's account. This includes refusing to refund me or payout the funds.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-15
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX Accts # XXXX, Has violated my rights 1. Acct # - XXXX Acct Name - XXXX XXXX XXXX 2. Acct # - XXXX Acct Name - XXXX XXXX 3. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 4. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 5. Acct # - XXXX Acct Name - XXXX XXXX XXXX 6. Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX XXXX XXXX Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATIONXXXX XXXX XXXX Acct # - XXXX Acct Name - XXXX XXXX XXXX 9. Acct # - XXXX Acct Name - XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-13
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. (MI)

LAST MONTH TRANSUNION HAD A GLITCH IN THEIR SYSTEM TO WERE ALL THE INQUIRIES WAS DELETED FROM EVERYONE ACCOUNT. HOWEVER I WAS ONE OF THOSE PEOPLE WERE ALL THE FOLLOWING INQUIRIES WERE TAKING OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THEN A WEEK AND HALF GO BY AND THEY ALL JUST POPPED BACK UP ON MY TRANSUNION REPORT CAUSING MY SCORE TO DROP, ME TO GET DENIED FROM LOAN COMPANIES. THEY NEVER SENT OUT ANY LETTER TELLING ME ABOUT THE GLITCH IN THE SYSTEM OR THAT THEY WILL BE RE-ADDING THOSE HITS BACK TO MY REPORT WITHOUT MY PERMISSION. I FIND THIS VERY DISTURBING AND RUDE AND SNEAKY. PLEASE HELP ME
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (GA)

I submitted by writing a dispute to XXXX  and Equifax. Equifax opened the investigation XX/XX/2021 and XXXX  opened the dispute XX/XX/2021. The investigation took longer then 30 days. As of XX/XX/2021 the dispute ares still open.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters on XX/XX/2022 about incorrect information on credit report. 

1. the credit bureaus has violated my rigths numerious of times. they violated my givrn rights under 15 USC 1681. According to 15 USC 1681 section 601 A, states I have the right to privacy.

According to U.S.C 1681 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.