davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Deposited settlement check from former employer for approximately {$40000.00} a large amount so not unexpectedly a hold of 3 days was placed. On day funds were to be avail ( today ) I get a new email saying five more days ate needed. I called and told Chase Bank could not confirm check hence an additional hold. I asked if anything I can do, like contact the company who signed the check a, which is Fortune 500 company, and therefore shouldnt be hard to validate check. I wonder if hold is due to my XXXX? I have been a member of Chase for at least 2 years and NOT A New Customers. Why the hold up and changing reasons??? Is Chase not comfortable with an XXXX XXXX trying to deposit their hard earned paychecks!!!! Im upset!! ( Told section that has hold is operating loss prevention is this where XXXX XXXX  deposits are held??? Cant be legal!!! And
Consumer complaint received 2023-03-28
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)

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

On XX/XX/XXXX I completed a FULL mortgage application with Quicken Loans. The Loan Officer was XXXX. XXXX XXXX NMLS : XXXX. I sent XXXX all documents including a sales contract, they even pulled credit. XXXX called us and confirmed we finish the application through rocket mortgage. XXXX then said in order for quicken to disclose the loan to us with a rate of 4.25 he would required {$500.00} deposit. I said ok but only if we got a Loan Estimate. XXXX then said that I should understand that this {$500.00} deposit was a handshake with Quicken and the only way he would disclose the loan at that point is if I paid the fee first. I refused. My husband, XXXX XXXX ended up talking to XXXX that night and the only thing we could get XXXX to send us was an email. Which I have attached. We have never received a Loan Estimate until this day. XXXX called us non stop for a week until we told him to stop. I am extremely concerned that we never got a loan estimate considering we completed a full mortgage application.
Consumer complaint received 2022-12-29
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. (TX)

I'm sending this letter to get inaccurate information removed that's reporting to Equifax and XXXX. I've tried to have XXXX XXXX, Equifax and XXXX to remove and delete numerous 90 day late after the account was closed on XX/XX/XXXX. Numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2023-03-28
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. (MD)

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. 

US DEPT ED : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) : # XXXX, ( ORIGINAL CREDITOR : ) : # XXXX, USDOEXXXXXXXXI : # XXXX, XXXX : # XXXX, XXXX  / XXXX XXXX XXXX XXXX have violated my rights.XXXXThe following are the provisions that protect me as a consumer 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 2023-04-04
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (AZ)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-04-30
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. (NY)

I have been living overseas, and unfortunately in that time I have been a victim of identity theft. 
I had a fraudulent credit card debt owed to credit one in the amount of {$1600.00} USD. 
XXXX XXXX has since then sold the debt to two other debt collection agencies, XXXX XXXX, and XXXX XXXX XXXX. 
I have spent many hours on the phone corresponding with these companies and was finally able to prove that the debt is fraudulent and that it does not belong to me. 
I received a letter proving that the file was closed and that the debt is not my responsibility due to fraud. 
I sent the letter to all three of the credit bureau agencies, and only one agency, XXXX has complied and removed the debt. XXXX and Experian keep forcing me to open disputes, which last for 45 business days and then say that the debt is mine. 
Please note, that in the attached letter there is proof that the debt was removed from my responsibility, so I don't understand why Experian and XXXX are refusing to remove the debt from my credit score. 
This is affecting my personal credit and in turn my entire financial wellbeing. 
Please assist me to finally make sure that XXXX and Experian remove this fraudulent debt from my credit report.
Consumer complaint received 2019-02-13
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: Experian Information Solutions Inc. (CA)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (TX)

I recently received a letter in the mail notifying loans with a collection agency. After some research I found that two loans I had with Nelnet, loans " I '' and " J '', had been sent to collectors and set into default status. I was not notified of late payments or notice of approaching default status. After reviewing my personal records with corresponding information given to me via phone conversation, I found these loans had been submitted to default status in XX/XX/2016 without my knowledge. In my review, I found documentation sent to my address I've used for years with Nelnet, of a 60 days past due notice in XX/XX/2016 for the loans in question asking for payment before they became delinquent in total of 90 days past due, yet Nelnet had already sent to collections. I then made a payment in XX/XX/2016, as I was told this would help all of my past due loans from being delinquent. However, since I was not informed of " I '' and " J '' already filed as defaulted, this payment was not applied nor was it communicated that said loans were out of their hands. Now these loans have been in default for 3 years without my knowledge and have accrued almost {$2000.00} in fees and are being handled by a debt collector.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have problems with both Bank of America 's Mortgage and Banking over this.

1. Banking-I am adding extra money to may payments to pay down principal. In XX/XX/XXXX I asked Bank of America to increase my automatic payment and they did so by making multiple payments to the Mortgage. Maybe, the Mortgage reporting is the screwiest part of this. It may come back to needing a Banking transfer fix. The B of A checking is my son 's account. I am an authorized signer on his account. I do not personally bank with B of A but my son does so this is how he pays rent for the pool house studio. 
2. Mortgage. Look at this statement. My XX/XX/XXXX payment is categorized as the XX/XX/XXXX payment. What? On XX/XX/XXXX I spoke to customer service. I was told that there had been an error in this reporting and that 15 payments of additional principal, {$1500.00} was " found '' and would be applied to principal. I think that happened, but its hard to tell with how wacko this reporting is. 
3. New letter, dated XX/XX/XXXX says my new payment is {$86.00} from {$100.00}. Since when? Retroactive til when?
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

I have tried multiple times on their website as well as calling to make my house payments. 
After going through the touch tone menu it ends up saying their office is closed and gives the days and times they are open but it keeps saying they are closed during those times. 
also when i try to enter my loan info and pay on line it will not accept the loan info or payment attempt. They are claiming i am negative over {$2400.00} in my escrow and have raised my payment that i am unable to pay anyway ... LOL! 

They seem like scam artists trying to grab property through foreclosure especially since they recently picked up my mortgage from XXXX XXXX in XX/XX/XXXX and its been trouble ever since.
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (OH)

I received a bill from XXXX on XX/XX/2019 for {$710.00}. I had several accounts opened in my name and knew that this was a part of my identity theft issue.I immediately called the detective handling my identity theft case so he could update my police report.I called XXXX that same day and they said they would not discuss anything with me until I had filed an identity theft report through them. I followed the steps XXXX told me to take and attached a copy of my police report. I did not hear back from them for two weeks and assumed the problem was handled until I received another bill. It took me three days and several tries to get through to XXXX because I kept getting transferred to other departments or put on hold for so long that the call would disconnect. When I finally got through to them, they told me I had submitted an incomplete police report. I knew this was not true so I asked them what information they needed on it to accept the report but they said they would not discuss my report or give me that information. I was then given paperwork from the detective handling my case to fill out. Once that was done he submitted it to them stating that they had to close this account, but they said they would not comply. I have since received another bill. I got this bill on XX/XX/2019 for {$3800.00}. I also received a letter from a debt collector on XX/XX/2019. This company is called MRS. MRS will not comply when I tried to challenge them because they said the information submitted to XXXX was invalid. I know that this is not the case because they were dealing with the detective directly. They will not cooperate when asked to provide the information needed to make the report valid.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MS)

I have been trying for over a week to access the companys application and/or their website to access my account without success. 

I fill out the forgot user name and fill our the requested information and wait ( as directed ) for an email to access the information. I wait the requested time and check my spam or trash folder without success. I wait an additional few hours or days with the same result. 

I do, however, receive a request to fill out a satisfaction survey. 

I spoke to a representative, did not write the name down, while working with this individual tried to change my user name after supplying the prequalifying information : SSN, Full name, birthday, and. Correctly answering the security questions. I wanted to use a newly developed password that contained an S which I spelled phonically as XXXX however the individual did not understand and repeated cscan ; when I pointed out that this word began with a C not an XXXX the individual still did not understand and jumbled several of the other characters as well. 

I became so upset and angry that I told the individual I was both upset and angry ( I do not curse people as it does nothing to solve the problem. ) and that I was ending the call before I became belligerent. 

I filled out a complaint on the afore mentioned survey request ; however, I still can not access the information about my account.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

Chexsystems will not accept my request for their credit report. The online system will not ACCEPT the application because of an expired drivers license. I no longer drive and do NOT have a drivers license. There is no other way to provide an alternate ID like a passport. There is no way to contact ChexSystems by phone, it is always automated and a human can not be reached. They are required BY LAW to provide my credit report.
Consumer complaint received 2019-04-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NH)

On XX/XX/XXXX I received a letter from the town of XXXX NH XXXX stating my bi-annual taxes for XX/XX/XXXX have not been paid. I contacted LakeView ( mortgage company ) and sent via e-mail the Notice of Impending Tax Lien and the XX/XX/XXXX Tax bill. I sent several emails with no response. On XX/XX/XXXX I checked with the town and still no payment. I asked if I should pay the bill or wait, the town said it happens often and normally things are taken care of quickly and recommended i wait. I called LakeView on XX/XX/XXXX and was told a payment went out on the XX/XX/XXXX. I checked again with the town on the XX/XX/XXXX and still no payment. I received an e-mail on the XX/XX/XXXXfrom XXXX XXXX stating that a disbursement was made on the XX/XX/XXXX. I was told to not to pay the bill by the town on the XX/XX/XXXXsince a check is in route. On the XX/XX/XXXX the check failed to appear and a lien has been placed on my house and my credit has been affected. I work for the XXXX and am required to keep fiances in good standing due to security clearances. I have contacted LakeView Mortgage several times with little help and no follow up on their end. As of XX/XX/XXXX the bill is still outstanding. Per a conversation with a lawyer I was told not to make the payment on my own yet due to a double payment that may take even longer to be reimbursed. The lawyer I contacted suggested to try this process first. I have been with this mortgage company for 9+ years and always in good standing with no late payments. The Tax and insurance are paid through an escrow account that is paid monthly and is current with available funds.
Consumer complaint received 2023-04-04
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$6400.00} Consider this as my follow-up complaint to make sure that the account is validated.
Consumer complaint received 2019-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

In XX/XX/XXXX, I wrote a letter to XXXX  requesting information supporting the alleged charge as I did not recognize the bill. They never responded. I wrote again on XX/XX/XXXX demanding that they validated the debt and stop reporting a collection action against me. Subsequently XXXX  stopped reporting but XXXX and XXXX continue to do so. I have attached my XX/XX/XXXX letter and my most recent credit report excerpt so that XXXX  and XXXX  still report it.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (KS)

On XX/XX/2020 at XXXX XXXX I received a phone call from an unknown number while at a doctor appointment. It was Chase credit card letting me know I did not pay last months bill. I told them I did not have the funds available and that I would pay at the end of month when my bill was due. The man on the other end then questioned me if I did not have any money, how was I getting around? I explained other bills while he kept harassing me about the question until I demanded to end the call. I ended up humiliating myself at the doctors office because this guy took the question long too far. 
The last few days I have received constant phone calls from the same number that are basically hang ups. I believe this company needs to get control of this The phone number of the company is XXXX XXXX XXXX XXXX I received phone calls on that day and today at XXXX XXXX and XXXX XXXX today. 
Im also on the do not call registry and am still receiving calls.