davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (NY)

XXXX XXXX XXXXXXXX {$1800.00} CLOSED CHARGE OFF XXXX {$14000.00} CLOSED CHARGE OFF
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX I asked to come out of a mortgage deferment program with Chase, which was originally supposed to end XX/XX/XXXX. I was assured by a 'manager ' on the phone that I would be taken out of the program. At that time I paid all the deferred payments ( XX/XX/XXXX ), and have made my normal monthly payment since. The account is current and has no missed payments. 

Chase extended my deferment to XX/XX/XXXX without notifying me or any input or agreement from me. Based on my interactions with Chase, I had no idea this was done. I received no communication about it. Additionally, they have held payments I made to the mortgage as 'unapplied ' funds, resulting in me having to continually call someone to apply the payments. 

Chase confirmed by phone that I requested to be out of the program in XXXX, but it might not have been processed because their system takes a month to update. Unfortunately, they won't fix the issue or provide me anything in writing or electronically. I've been trying to refinance my mortgage to take advantage of better terms in the market, and I've been unable to do so because of their error. Every lender I've talked to won't work with me because my loan is considered 'deferred. ' This has resulted in considerable lost money ( appraisal fees for applications that go nowhere, higher mortgage payments because Chase 's error is keeping me from refinancing to better terms ) and considerable lost time ( going thru the refinance process with lenders only to have one last unresolvable underwriting issue - caused by Chase ). 

I believe Chase is doing this to intentionally make it hard for me to refinance and take my business elsewhere. I've received 0 resolution after multiple time contacting them and multiple escalations.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Please delete the following unknown address they are not accurate : 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 XXXXXXXX I am requesting them adresses to be reomved I never lived at the above addresses.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX Complaint : 15 U.S.C 1681 I didn't authorize anyone employed by these companies to make any inquiry and view my credit .This is a serious violation of the fair credit Reporting Act Section 1681b ( c ) a serious breach of my privacy rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : its also states a consumer Reporting agency can not furnish a account without my written instructions therefore this need to be deleted off my account ASAP
Consumer complaint received 2021-07-21
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. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX  and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Consumer complaint received 2022-12-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My XXXX XXXX XXXX XXXX  is reporting that I was 30 days late on a payment in 2021. This information is incorrect and I need this removed from my credit report immediately
Consumer complaint received 2024-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

Select Portfolio Servicing ( SPS ) purchased my loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX, less than six weeks after I closed on the loan. The initial payment was {$3900.00}, including {$360.00} in escrow. This amount was based on a reassessment of my property taxes and I knew once XXXX XXXX XXXX had approved my application for the Prop 19 Parent-Child Exclusion, my taxes would be amended and my escrow would be decreased. XXXX XXXX XXXX approved my application in XX/XX/XXXX and the taxes were revised in XXXX for the new tax year XXXX. SPS performed an escrow analysis which increased my payment to {$4800.00}, including an increase of my escrow to XXXX. This was an increase of {$870.00} even though my property taxes went from {$10000.00} to {$920.00} in the County 's correction. SPS did have this information because they paid my XX/XX/XXXX property tax installment of {$460.00} on XX/XX/XXXX. I contacted SPS, but they told me another analysis wouls not be performed until the year anniversary of my account. I continued to call until I spoke with a representative on XX/XX/XXXX. She researched my account and discovered that everything I had been saying was true. She told me that the overage on my account, approximately {$6000.00}, would be mailed in the form of a check and I would receive it in five to seven business days. She also told me that a new escrow analysis would be performed. I waited two weeks and received no payment. When I contacted SPS in XX/XX/XXXX, they told me that no such notes were on my account and a request had been opened on XX/XX/XXXX for an escrow analysis. No refund would be processed until the analysis was complete and the {$6000.00} amount was not a valid number. I received the new escrow analyis on XX/XX/XXXX and even though it was completed on XX/XX/XXXX, nothing has happened. I have contacted SPS at least ten times since XX/XX/XXXX and each time I get a different answer about the escrow analysis and my refund of {$5400.00}. And no one can tell me what the refund includes or how it was calculated. I also know that they will do another analysis in XXXX and I will have to wait a month to request another refund of any amount that is not included in the current refund amount, which will be approximately {$3300.00}. Today, XX/XX/XXXX, I spoke with XXXX XXXX, supervisor. She told me I was not alone, that many, many customers were in the same situation as I am in with the company. There are no notes on my account and the refund has not processed. She has no way of finding out when the refund will process. She gave me the email and phone number of the Ombudsman 's office for the company and told me to keeo calling back. She also told me that my amount was small and was easily overlooked by the system. I am battling XXXX XXXX XXXX for close to {$28000.00} for the same refund issue and the fact that SPS can continue holding my money, yet expect me to submit my monthly payment on time, without a penalty is egregious.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OH)

I recently applied to switch my IDR repayment plan to the SAVE plan on XX/XX/XXXX and also requested the 30-day forbearance while my plan was being changed. I received a confirmation from my servicer, Aidvantage, on XX/XX/XXXX that my request had been approved, however they immediately increased my next payment that was due on XX/XX/XXXX with no forbearance. I filed a complaint but have not yet received a response. Currently my account is showing a past due balance of {$260.00} for the payment on XX/XX/XXXX which should not have been charged, as well as charges for next month for a total of {$520.00}.
Consumer complaint received 2022-12-01
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. (CA)

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  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.

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 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP (NY)

On XX/XX/XXXX, XXXX, and XXXX, fraudulent charges were made to my credit card. 
XX/XX/XXXX for {$39.00} XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX I reported it to Key Bank, and they declined to refund the money, saying the orders were placed from my home computer and, therefore, could not refund the money. I can prove to them I was out of town on vacation when some of the charges occurred, and no one else has access to my computer when we are traveling. They claimed that it was impossible for anyone else to use my computer IP address, so it had to come from me. 
I then took my computer to a local computer service center and had them check it over. They told me my computer had been hacked and the people doing it were watching every keystroke I was making so they could and did have access to my computer. I gave a copy of the letter from the service center to Key Bank but Key Bank still refuses to refund the fraudulent charges. The computer service center reported the problem to the appropriate XXXX and software companies and removed the software that was used to gain access to my computer. I also filed a police report as requested by Key Bank. Can you please help me with this?
Consumer complaint received 2023-03-26
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. (LA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-26
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. (NY)

XXXX Charge Off Closed {$3900.00} " XXXX '' XXXX XXXX XXXX Charge Off Closed {$4400.00} XXXX XXXX  Charge Off Closed {$3000.00}
Consumer complaint received 2022-12-15
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX/XXXX  BANK XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX DEPT OF XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  FINANCE Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX  CARD SVCS ) Account Number : XXXX XXXX  RESOURCE XXXX ( XXXX ) Account Number : XXXX XXXX  DATA SYSTEMS I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX  DATA SYSTEMS I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX & XXXX ( XXXX XXXX XXXX XXXX SO ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SO ) Account Number : XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Dear, Equifax there is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified Transactions are not information related to any transaction by me as the consumer. Accounts : XXXX XXXXXXXX ( Opened 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I have also attached a copy of my FTC Report, proof of identity, and proof that i was impacted by the equifax data breach, I look foward to your response, Thank You.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

A checking account was opened using my personal information without my permission and knowledge. I called multiple times to request them to close my account and prevent future accounts from being open under my information and they refused to do it. They asked to verify my name, last 4 social, birthdate, and home address which I provided. They responded that they are not able to close the account without verifying an email address, which I don't not have with the company because I did not sign up with the company. Now they are asking me to email the support group with a picture of my photo ID and my social security card. They refused to close the account unless I provide them more personal information.
Consumer complaint received 2023-03-26
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.