davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MA)

My home insurance by agreement in my filed mortgage is to be held in escrow. Prior to leaving in XX/XX/XXXX for vacation, I sent my invoice from my insurance company to Chase. This clearly stated the payee as being XXXX XXXX XXXX XXXX XXXX. When I returned, I followed up and after being on the phone for about 20+/- minutes, I was asked to stay on the phone to help solve the problem with the insurance company and I told them that they could call me back when they had them on the phone. I had an appointment. No call back. After my appointment started the process over. The representative was rude and just wanted to not say they were wrong. 30 + minutes on the phone they sent the check to the wrong company.. my fault was the implication. They could n't find time to put a next day mailing to solve the problem. I drove to the insurance company and made the payment. Long story short, they had no compassion with a customer and this representative actually started speaking loudly over my questions keeping me from getting answers that I needed. They had the wrong company and paid to the wrong company and as much as said I was the one who made the mistake. The only insurance company I have had in the 13 month ownership of this property.. so upsetting.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i deposited a check to my savings account on XXXX XXXX  for XXXX 2 weeks later i recieve a letter in the mail stating bofa was closing my account, no reason given.and that the bank was keeping my money ( XXXX ) intill i can prove that the person who signed the check over to me was doing so legitimatley. i want my money from the bank and they refuse to give it to me.XXXX XXXX
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a complaint through CFPB and I attached a letter clearly stating what I needed from transunion..I clearly asked for an investigation into a few accounts on my report. Like they have been doing for months is ignoring one of my complaints..I sent this letter in on XX/XX/XXXX they just responded but didnt mention all of my accounts which means they didn't even attempt to investigate.I also asked for the results of investigation be sent to address on letter..I haven't received anything from them but I come on website and it's say complaint close..how is that when they didn't even respond to wat I asked and it's been over 30 days.I don't know if you guys at CFPB is actually lookin at these complaints but it's clearly they keep avoiding to investigate that account properly..this is like my 5th complaint against them and they keep doing the same thing and you guys just keep closing the complaint.Im goin to attached the exact same letter I sent and then u can tell me if they investigated how they should've bc obviously I'm not getting anywhere. 

Contract Callers XXXX I need proper report for the The account contract callers XXXX Could you please send it to me? Also, please let me know who had ACCESS TO MY FILE AS Well.. I want the investigation outcome to be sent to my address I put on the the investigation request letter. They ignored this the first time in letter..I can't make it anymore clearer than this..so when u respond cud you please have done proper investigation and forward me the information I asked for. Enough is enough with the fake verification process u guys use.
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc. (UT)

Firstly, I would like to submit a complaint towards XXXXXXXX XXXX XXXX for selling my information to a third party company, Express recovery services, without my knowledge and Authorization. This can surely be classified as identity theft. 

I received a mail on XX/XX/2022 from Express Recovery Services, A Debt collection Agency at the amount of {$220.00} without explanation or reason. 
A breakdown Stating ; Client name : XXXX XXXX XXXX, amount owing {$210.00}, interest {$9.00}. 
XXXX XXXX XXXX is our electric company. I say 'Our ' because I share a house with three other females and we all pay utilities under one account number. The account was under my name up until XX/XX/XXXX. I was leaving the country for a few months, so it was only smart to switch the account over to one of the other roommates name, in order to avoid any mishaps. All bills prior to this were paid and paid on time. XXXX XXXX XXXX can testify this. I was not aware of any other payments due, because it would've carried over to the name on the account after me. 
I made a call to XXXX XXXX XXXX to inquire about the situation and gain some clarification as to why I had a collection report on my credit. They explained that there was a closing cost/bill which was unpaid. I explained to them that the account was never closed, and its still active till this day, it just got switched over to a different name because I was leaving the country and won't have had access to make payments. 
I tried to come up with a way to resolve the situation by making any payment claimed to them directly, to avoid further deterioration towards my credit, but i was turned down. The representative let me know there was nothing she could do and the only thing to do was to call the debt collector and make the payment. 
This has caused extreme damages to my credit score and has put me at high risk of not being able to obtain any future assets which has caused me mental anguish. 
Lastly, I would like to add that I do not owe Express Recovery Services any debts or payments because I didn't not sign nor have any contract with them.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (NY)

Dear cfbp, I noticed a derogatory mark on my credit from XXXX last year. I wasn't aware of an outstanding bill to 06 XXXX XXXX  and I was never contacted about it. 

Nonetheless, XXXX ( the debt collection ) agency told me I could settle the account for {$55.00} and get it resolved on my credit report. I gave my credit card info over the phone and made the payment of {$55.00} on XX/XX/2018. 

Since then, I have repeatedly checked my credit report. The account / marks are still open / unresolved. I have calledthe agency countless times and they are extremely hard to get in touch with since no one picks up their customer line. 

EVERY single time I'm assured that they will close the remarks on my account. The last time I contacted them over the phone, they asked me to write an email request as well. 

Yet it has been months and months of waiting and calling and yet they won't close the account. I feel abused and they waste a lot of my time and this has been unnecessarily been hurting my credit for years. 

I am completely fed up with their behavior.
Consumer complaint received 2022-05-15
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. (TX)

I sent a letter to on XX/XX/2021 disputing the vaildty of a bankruptcy their reporting on my credit report. The response letter stated verified. They could not send how the verfied and needs to be deleted according to the FCRA which they once refuse again to delete which is exploding to purchase a home and causing me to pay thousands more in interest each year
Consumer complaint received 2022-05-15
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. (PA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED I XXXX  XXXX has violated my rights. 
15U.S. C 1681 section 602 A. States have the right to privacy.

15U.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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-07-23
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. (NC)

I filed a dispute with Experian to investigate a few accounts that were not reporting correctly on my credit report. They were XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. After the first dispute was returned with errors not corrected I took the time to write a detailed dispute letter for each account in question. I included full credit reports that highlighted the errors. I received the results of the dispute back today and Experian still failed to correct the information. In fact they refused to even investigate XXXX XXXX XXXX XXXX even though I gave them new documentation from my financial institution. They say they investigated XXXX XXXX, but that date of status reflects XX/XX/2017 meaning they didnt do what they said. The XXXX XXXX account remains inaccurate and none of the questions raised in the dispute were answered. Experian has failed to meet their obligations under the Fair Credit Reporting Act so I am filing a complaint against them.
Consumer complaint received 2022-05-18
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. (MA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. This inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need this inquiry to be removed. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (MN)

I have been getting offers to refinance every couple month for the last 2-3 years and has been unsuccessful to unsubscribe from those. I get a run around between different teams who promise that would be the last time but in a couple month, I get a new offer. 

I want those offers to stop. 

Offer Reference number XXXX offer code XXXX
Consumer complaint received 2022-05-18
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. (MA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. This inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need this inquiry to be removed. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I deposited a check from a law firm on XX/XX/XXXX for XXXX. When depositing the check the bank stated that the check would be made available the following day. I have received various over draft fees for the funds not being available on the XX/XX/XXXX as of the XX/XX/XXXX, the funds are not available and have been told it can take Up to 2 weeks for check to deposit. In less than a week you will receive an extended overdraft fee, even Though you have funds being deposited that day, first thing in the morning.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX XXXX and they have my information united with my brothers XXXX XXXX as if I own his house too when I dont .I am ready to upload our documents to separate our information. XXXX XXXX XXXX is the one that owns the house for XXXX XXXX XXXX in XXXX, nj XXXX, Not me.
Consumer complaint received 2016-02-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery Associates has reported a paid collection to XXXX credit reporting agencies and it is unlawful per Massachusetts General Laws. 

XXXX XXXX : DIVISION OF BANKS AND LOAN AGENCIES XXXX XXXX XXXX : Conduct of the Business of Debt Collectors and Loan Servicers Massachusetts XXXX XXXX XXXX ( XXXX ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of XXXX XXXX XXXX : ( XXXX ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a consumer in the debt collector 's name. However, a debt collector may, with the express written authorization of the creditor, report to a consumer reporting agency in the creditor 's name.
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

I am disputing this item because I am no longer responsible for this debt. When we bought our home, the realtor XXXX XXXX paid the remaining months from the lease with XXXX. XXXX did receive the funds via check from XXXX XXXX on what was owed along with a signed statement between all parties. 

Now XXXX has sold this debt to IQ Data International. Now IQ Data International has been calling daily, constantly from different numbers from XXXX to XXXX. I have never heard of this company, we have no dealings with this company in any form.I had no idea this debt was on my credit until I checked it. Per law, you can't just add anything to a person 's credit report and have not contacted them via mail verifying the debt. Calling and leaving no messages but demanding and threatening I verify myself when I answer my phone is ILLEGAL.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been attempting to get information on my report that is reporting inaccurately removed. I have sent several letters to the collections agencies and credit bureaus in this attempt. The information has not been verified, and have not received proper responses back. I have sent letter back in XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. Just looking to get several items correct. I have called as well. Call back in XXXX and XX/XX/2021. Was told they have my written request, but have no took any actions. They can not do much over the phone, so I do not know what else is needed to do.
Consumer complaint received 2019-07-17
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)

Once an item reports as Included in Bankruptcy, any pay history and balance should be removed per federal law. However, ten of my eleven accounts " Included in Bankruptcy '' still reported late payments in the payment history on my Experian credit report ; the only correct one is my XXXX XXXX account which was updated yesterday per a a separate issue. I do not have this issue with XXXX XXXX or XXXX. See the attached abridged credit report I obtained today online from experian pertaining to these accounts.
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OH)

A collection showed on my credit report, otherwise I would never have known about this. My social security number has been stolen and so I have freezes on my credit to stop fraud. However, this collection from COLUMBIA DEBT RECOVERY LLC DBA GENESIS showed up stating I had owed money for living in a XXXX, FL apartment complex. 

I live in XXXX, OH and own a house with my wife. I've never owned property or lived outside of XXXX, OH. This is clearly fraud and I did not live there. The amount is for {$11000.00} for an apartment called The XXXX XXXX at XXXX placed for collection on XX/XX/XXXX. I have filed disputes with the credit bureaus, which is insane because XXXX has dropped it but XXXX and XXXX won't. Makes a whole lot of sense ... and have contacted both Genesis and XXXX XXXX XXXX. I have contacted XXXX  XXXX XXXX several times who won't actually review this info and WILL NOT RESPOND TO ME. 

I built a house in XXXX of XXXX with my wife where we reside and did not live or reside in the apartments at XXXX  XXXX XXXX ever.
Consumer complaint received 2018-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I have a loan that I cosigned for my younger brother. He was having payments taken out automatically on the XX/XX/XXXX of the month, and Navient stopped taking them out without warning in XX/XX/2018. When we were told he was behind on payments, my brother called in XX/XX/XXXX to have payments started again, which was supposed to occur on XX/XX/XXXX. Meanwhile, Navient reported ME to credit agencies, dropping my credit score from XXXX to XXXX when it was their mistake. It is the XX/XX/XXXX, and payment has not been processed for my brother 's loan at this time.
Consumer complaint received 2022-05-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my credit file, incorrect information were found in my reports. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$10000.00}
Consumer complaint received 2021-10-29
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. (IL)

My name is XXXX XXXX. I am writing in regards to having these items deleted from my report. Also, I did not authorize these I am a victim of identity theft, I need your help in correcting my credit report, Please delete the items i have inquiry requests mentioned on the list. I have reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prosper Marketplace, Inc. (RI)

The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a  law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.