davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I am filing this complaint after receiving a letter from Chase today alleging a lie to cover up their illegal activities. In the letter ( see attachment ) dated XX/XX/XXXX Chase asserted that we cant consider you for mortgage assistance because we didnt receive your initial request by the required number of days before the scheduled foreclosure date. THIS STATEMENT IS A LIE. I REPEAT. THIS STATEMENT IS A LIE, AND I CAN PROVE IT! 
Chase has repeatedly made false allegations like this to us for more than four years. Most of the Chase Request for Mortgage Assistance applications we have sent to Chase have been ignored ( see attachment ). Nonetheless, In XX/XX/XXXX, our Chase dedicated relationship manager in XXXX, Florida spoke to the Chase branch bank manager and vice president in XXXX, Georgia. He ( the vice president ) told her ( our dedicated relationship manager ) that he personally faxed all of our documents to her the previous week and confirmed their receipt in her office at that time. In spite of this fact, she requested through the branch bank vice president that we submit our application and all required documents to her again for the 33rd time in 18 months ( see attachment ). Consequently, our dedicated relationship manager sent to our home address a XXXX envelope for us to submit our application and documents back to her again. We sealed the documents in that envelope and took it back to the Chase branch bank so that Chase employees could send it to her through XXXX. 
The Chase branch bank in XXXX, Georgia took receipt of our envelope of documents and gave them to XXXX. XXXX tracking confirms that our application was received by our dedicated relationship manager in her actual office on XX/XX/XXXX at XXXX XXXX ( see attachment ). After that date, we never heard from our dedicated relationship manager again regarding ANY aspect of our application. 
Chase proceeded in XXXX to schedule a foreclosure on our property for XX/XX/XXXX in violation of the laws of our state for multiple reasons, including failure to provide proper notification as required by law. As such, this proves the statement made by Chase to us in their letter dated XX/XX/XXXX is a lie because we submitted our Request for Mortgage Assistance application to Chase more than thirty days before Chase took illegal action to attempt a foreclosure on the date of XX/XX/XXXX. Our " dedicated relationship manager '' failed to process our application despite our having previously submitted it to her in XX/XX/XXXX, and well as on 32 previous occasions in the past 18 months.
Consumer complaint received 2019-03-04
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. (OK)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX {$450.00} XX/XX/2016
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

This debt is not owed. The medical facility, XXXX XXXX Hospital, did not properly bill the insurance company. I contacted the insurance company and they were waiting for information to be submitted. I contacted XXXX XXXX Hospital multiple times asking for this to be properly submitted. 

They sent the bill to collections without responding to my requests. 

This bill has been shifted to two collection agencies that I am aware of. 

Now it is with Phoenix Financial Services LLC, and they did not respond to multiple communications. 

They set this debt against my credit score, reducing it. 

No one is listening to my complaints, please help!
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (NC)

Applied fir a convention renovation loan with Fairway mortgage. Question up-front was ... we gave our home to our son a year ago and was told that if he made 12 months of mortgage payments from his own account then the mortgage payment would not be included in our income to debt ratio. We had to extend our offer with the seller by 2 weeks which all parties signed. Now the Fairway underwriters are saying they are not willing to take that mortgage payment off our ratio and they will not make the loan for the new property for us. Our point is if this is a Federal guideline and we have shown that our son has made the 12 months payment out of his own checking account why is this being denied?
Consumer complaint received 2016-11-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (FL)

I C systems has reported a medical debt from the same event as XXXX multiple occurrences listed as derogatory marks on my credit report. This debt should have been paid by my secondary insurance at the time was not aware of any balances would arise.
Consumer complaint received 2020-12-08
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. (GA)

The inquiries here were not authorized by me. You can see that some of this inquires are automated and duplicated. These all are labeled as soft and Hard inquires. 

Soft Inquiries XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXXLIMITED Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Interview System XX/XX/XXXX XX/XX/XXXX LIMITED Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Account Review InquiryXX/XX/XXXXXXXX, XXXX XX/XX/XXXXReport XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional XXXX XX/XX/XXXX XXXX Promotional XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXPromotional Inquiry XX/XX/XXXX XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXXXX/XX/XXXXAutomated Consumer Interview System XX/XX/XXXXXX/XX/XXXX Automated Consumer Interview System Hard Inquiries XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX this XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX
Consumer complaint received 2021-08-12
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: Santander Consumer USA Holdings Inc. (OH)

My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX Santander XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-12-08
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: AMERICAN EXPRESS COMPANY (VA)

I applied for an XXXX XXXX XXXX 1 year ago. XXXX chose American Express as the card company. I never used the card for any legitimate purpose. Nearly XXXX charges for $ XXXX {$5.00} were made over 4 months to a company which doesnt exist. Amex never once caught the fraud. They only called me to tell me to pay more late fees. When I spoke to their fraud department they agreed that it was a clear case of fraud and promised to fix the problem. Instead Amex after 6 months sent this to outside collection affecting my credit score. Amex will not allow me to speak to a supervisor and no longer even allows me to speak to the fraud division. XXXX has tried to speak to someone at Amex on my behalf but only to transfer me to the general division which is useless. They dont feel any obligation to help. Because Amex has no fraud detection and a fraud department with no customer service I am left to fending for myself.
Consumer complaint received 2022-11-18
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2021-09-20
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-24
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (ID)

I called the company and told them this is not my account for {$11000.00} on XX/XX/year> and the lady took my phone number and said they'd get back to me. I've called since and can't get past the receptionist. I only have a partial if the card number. I also filed a report with XXXX and they say it's mine. It's NOT. I called them and couldn't understand the person I spoke to except for to file a identity theft and I found this website.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

To Whom This May Concern, I contacted XXXX, XXXX, and Equifax months ago as well as again on XX/XX/XXXX. In my complaint, I explicitly listed under the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature of the accounts listed below. 

The accounts listed were : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card The response I received back was, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow up with you within sixty 60 days from the date you submitted your request. '' This is unlawful as dictated by the Fair Credit Reporting act. CRA 's only have 30 days to validate and are required to remove the information listed on the report unless it has been lawfully validated. Through the PHYSICAL verification of the original signed consumer contract with MY signature of the account. 

So far, no signature has been produced, and my attorney is now pushing me to seek penal damages since my very first request was completely ignored. I'm livid that you would treat me as a consumer unfairly. I'm livid that you willfully violate the law every day when you " verify '' information. Despite the numerous whistle-blowers that have come forward to discuss how you " verify '' information, you continue your practice of unlawful verification. As my attorney has advised, there is no reason to open a dispute for debt validation. You are supposed to speak to the creditor directly to request my agreement and verify my signature. Opening the dispute process navigates your fraudulent means of verification, but your digital verification system does not satisfy requirements under Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ).

Furthermore, please note that I have opted out in writing to your forced arbitration terms.

I have proof that you have violated my rights, as noted under FCRA. I'm giving one final chance to sort this matter out before turning it over to my attorney. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-05-30
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. (NE)

A collection account was removed from my credit report from XXXX XXXX. My credit score did not increase for the removal of the collection account from credit report. My credit report should have increased by at least 23 points for the removal of the collection account from my credit report.
Consumer complaint received 2023-01-18
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: AppFolio, Inc. (CA)

Appfolio colluded with property management companies to defraud me as a consumer. I have no credit score with XXXX, nor did I give Appfolio or XXXX the authority to defraud me by coming up with a credit score not offered by XXXX. XXXX provides the only credit scores authorized to be reported for me. I also pay for credit monitoring. This is relative because no inquiry was made of my credit profile by

Appfolio although I paid them for two separate applications. In order to commit fraud and to wrongfully collect applica
tion fees, Appfolio colludes with property management companies to collect fees from consumers without running their credit profiles. My credit profile was never accessed by Appfolio and when I made several written demands from XXXX XXXX XXXX XXXX and XXXX XXXX requesting my tenant screening report, neither company complied with my request. These companies had already verified my references and they checked out. However they never ran my credit profile and denied my applications. 
However, they presented a fraudulent, inaccurate report to two property management companies to prevent me from renting due exclusively to race. Appfolio presented a completely different score that exceeded this score by more than XXXX points to another Appfolio client that rents slum apartments to XXXX people. The reports are identical and have the same credit information. However, one report scores my credit at XXXX while the other report scores my credit at XXXX. This score was given to prevent me from renting from two rental management companies XXXX for discriminating against XXXX people. Upon inquiring to both of these companies without race being disclosed, the properties were available. In person, the properties were renting. Appfolio may not assist in the discrimination of XXXX people by XXXX companies that would rather not rent to XXXX people.
Consumer complaint received 2018-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation (CA)

I DISPUTE THE XXXX ACCOUNT XXXX XXXX & AND N.D.S.C. XXXX XXXX, I want verification of these accounts I have DISPUTED my loan documents with XXXX over the past few years there answer to the complaints is file for a loan modification and if approved the outcome will resolve the problems. 

No More i do not want the run around any more XXXX has lied to me and has lied to Hud and the BK trustee in the past and they might be lying to the company they hired to complete the foreclosure on my house. 

I have been told by XXXX that the foreclosure was stopped then i find out it is on again and today XXXX told me it was all being done by National Default Servicing Corporation and it was out of XXXX hands. 

I want to know who is doing what is XXXX or is National Default Servicing Corporation making the decisions about the foreclosure on my account? 

I got a loan for the past due amount and to bring my loan current with XXXX but i still have not received the past due pay off amounts, Also there is a title deed problem the old second is still listed on their they did not remove themselves after they were paid off before they went out of business some time around XX/XX/2010 Because of these things i have asked for a 10 to 15 day delay on the foreclosure sale date. 
XXXX has switched my workers around 2 times over the last few weeks and nobody knows nothing XXXX needs to explain to me about the fake loan document they have and were they came from.including the notarized stamps by my name when i was not even in XXXX XXXX CA when they were dated and stamped by someone,
Consumer complaint received 2016-03-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Around XXXX XXXX, my boyfriend and I opened accounts at Citizens Bank ( CB ). Everything was going smoothly until this past Friday, XXXX XXXX, XXXX when I saw that a {$300.00} debit was made to XXXX account and a {$280.00} debit was made to another. I called CB that same day to report that someone ( to my knowledge ) had illegally taken money out of my account. Citizens informed me that they did n't know what the problem was and to call back on Monday when their computer system could tell them more. I call today ( XXXX/XXXX/XXXX ) and CB told me that the " debit '' was done by CB due to an account that I had with them in XX/XX/XXXX that was overdrawn. Citizens took this money without warning, my consent or knowledge. That was almost my entire 2-week paycheck. I am single mother, working part-time and my paycheck goes to paying my car note to get to/from work, daycare and other living expenses and this " debit '' has severely hindered my paying my bills. If in fact I did/do owe CB this money, when these accounts were opened CB should have, at that time, informed me of such and allowed me to re-pay them or not have allowed me to open the accounts at all. I assume that when they took my social security number, at the time of opening the accounts, they could have looked into whether I had accounts with them in the past and informed me accordingly. I feel as though they allowed me to open these accounts under false pretenses in order to be able to " debit '' my account for past monies due when it suited them. Please help me to get my money back. Thank you.
Consumer complaint received 2020-11-25
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: CREDIT ACCEPTANCE CORPORATION (AL)

Im having trouble with XXXX  I have 19 Fradulemt hard inquiry that dont belong to me. I have tried to file a dispute with XXXX  about these fradulent inquiry but I never heard any thing back and I want them to be removed. I also see a couple of item that was removed show back up on my credit report and thats not right and I will like those to be removed because those are also fradulent those account are 1. XXXX XXXX 2. XXXX XXXX 3. XXXX  XXXX  XXXX  And XXXX XXXX  was removed and show back up on my credit report Im taking action and my own hand because inaccurate information is on my credit