davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. ()

There has not been closure to my complaint number XXXX in spite of the bank asking me to contact their executive office, which I did and my sending to them a notarised copy of instructions and signature. All this was done long before any shut downs due to Covid-19. The executive office number always goes to voice mail but never any reaction from them. The general number of the bank tries to be helpful, but all they can say is that it is being dealt with by the Executive Office. if only. Can you help and try and get closure? Before my XXXX birthday in XXXX I would like to see an end to this sorry affair. 

Thanking you
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX YOU ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( ACCT NAME AND # ) HAS VIOLATED SEVERAL OF MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681 SECTION 604 A. SECTION 2. IT ALSO STATES THAT A CONSUMER 15 U.S.C 1681 SECTION 602 A ANGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER ANOPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE REMOVE THESE LATE PAYMENTS AND UPDATE THIS ACCOUNT IMMEDITAELY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-10-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Spoke with Carrington Mortgage customer service XX/XX/2021. I was informed my request for mortgage assistance was being processed for the Covid-19 Mortgage relief program. I asked had the sale date for my home been canceled, I was informed it had not been. I was told Carrington does not cancel foreclosure sale date even though they are processing my request for mortgage assistance. I have read if your mortgage company is processing your mortgage assistance request they are suppose to post pone the sale date until the mortgage assistance has been processed
Consumer complaint received 2021-10-05
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. (DC)

I have reported multiple times to all XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX ) that XXXX  Account # XXXX has me late 60 days Feb 2021, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.
Consumer complaint received 2021-10-05
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. (GA)

On XX/XX/2021 I 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Collection report a new attempt at fraud. Similar reports were removed after investigation ( with or without CFPB assistance ). Obviously, after removal, the old, removed collector has resold the fraudulent rights to a new unsuspecting collector another rung down on the ladder.
Consumer complaint received 2020-07-15
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX XXXX and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2020-04-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have previously sent disputed and the account came back verified. On XX/XX/XXXX I sent a Method of verification to the credit reporting agency for a chapter XXXX that is on my credit report. The agency received it and has failed to give me any results or verification. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX and asked him for the Method of verification, he said in order to verify it has to be verified through their original creditor or court system and since the courts dont verify with the credit bureaus They use their internal systems and that is their method of verification because it is public record. He then proceeded to tell me that it was my job to go to the courts and see if that was on my report because they didnt have to show me proof of verification.
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-10-12
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: CBC Companies, Inc. (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, some time after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Consumer complaint received 2018-06-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In XXXX I made a voluntary delivery of a car due to illness and I moved to XXXX to the XXXX XXXX XXXXXXXX XXXX in XXXX XXXX. The bank after the property was delivered sold the car in a month. There was a difference of {$8500.00} and agree to pay in payment plans to a company hired by the Bank. I paid for 2 years and fulfilled as agreed. In XX/XX/XXXX, I received the balance due because the wrong balance was affecting me, since XXXX XXXX XXXX did not report the payments. I asked the Bank to indicate when I had to pay to get the account at XXXX. They told me that I had to pay {$2600.00} and thus achieve the account at XXXX and it would be removed from the Experian Report Agency, since for XXXX and XXXX the Bank determined for XXXX, determined delete. I have made several arrangements with XXXX XXXX XXXX and with Experian and I have not been able to delete the account from my credit report. The Law that protects the consumer in relation to credit information is clear and states that failure to report information correctly in 45 days will be delete. The XXXX XXXX XXXX indicated that due to internal processes they did not sell the account, but that the client made his payments to a collector company, XXXXXXXX XXXX. He requested that the process that has harmed my credit history and the violations of the Law that protects the consumer be investigated. He was asked to remove the account from my Experian credit report, for violations of the Law and that currently damages me in the Experian agency.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because Equifax is reporting that my highest balance XXXX $ and XXXX  is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately
Consumer complaint received 2020-04-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have previously sent disputed and the account came back verified. On XX/XX/XXXX I sent a Method of verification to the credit reporting agency for a chapter XXXX that is on my credit report. The agency received it and has failed to give me any results or verification. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX and asked him for the Method of verification, he said in order to verify it has to be verified through their original creditor or court system and since the courts dont verify with the credit bureaus They use their internal systems and that is their method of verification because it is public record. He then proceeded to tell me that it was my job to go to the courts and see if that was on my report because they didnt have to show me proof of verification.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Recieved an alert from citi for fraud on card XXXX. Spoke to agent provided amounts that were fraudulent. Fraud amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX subtotal of {$690.00} Followed up w citi on XXXX at XXXX agents name was XXXX XXXX from the security team. 

issue # 1 - Provessional credit was not provided for the XXXX as per Reg E Unauthorized Transfers regulatory obligation. Although it appears that they are following the 45 day investigation service level agreement under reg e. 

issue # 2 - Agent proceeded to tell me that I was not required to pay the subtotal amount however, that was never communicated to me on XX/XX/XXXX when i reported the fraud. 

I believe citi is not following reg e correctly. They should have issued me the provisional credit while they conducted their investigation especially given that the fraud was correctly identified by the bank 's platform and subsquently alerted me to the concern.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (CA)

This company which I hold no contractual agreement with no have received services from has opened a collection against my SSN and have reported to the credit agencies that I owe a debt of {$990.00}. They have reported used XXXX XXXX and XXXX to damage my credit. 

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party who you claim to have received services which has caused for you to seek a debt to be paid and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Considering there is no contractual agreement Nor have I received services from this company I am not binding nor obligated to pay any debt. 


I request that your services remove these infrastructions from my SSN. 
I demand this company remove the negative inquiries from my SSN from any credit agencies included but not limited to XXXX XXXX and XXXX I also request that my information be moved from this company 's data base.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I made a payment to my Capital One credit card ending in XXXX. This payment was above my " regular '' monthly payment or even the history of payments. I paid {$380.00}. This was the balance at the time. I have four accounts with Capital One -- savings, checking, and two ( 2 ) credit cards. Previous payments have been made via the checking account and the payments posted within 24 hours. These payments are electronic. On XX/XX/XXXX, it was an electronic payment. I telephoned Capital One on XX/XX/XXXX inquiring into the posting. I was informed that a " hold '' was placed on the payment. However, the Associate stated that she could make a call to have it override. I declined and stated I will call back in a few days. On XX/XX/XXXX, I call and was informed that the " hold '' will last until the XXXX. I requested a supervisor and XXXX was placed on the phone. She informed me that due to federal regulations that Capital One can place a 7 day hold on the payment " just in case ''. I asked that she mail me this regulation. She declined. It was then I felt like a criminal. I asked to speak with her superior and she stated she is " it ''. I called and spoke with XXXX and XXXX, respectfully. They both stated there was as " hold ''. XXXX did give me the courtesy of reviewing the " list '' of possible reasons for the " hold ''. Just reaffirming that the payment was " suspicious '' ; therefore, reinforcing that I could possibly be a criminal. He stated that my " pattern of payments '' have changed. No other reasons are given to justify this action by Capital One except my " pattern of payments '' have changed. This is quite disturbing.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX, Citi closed my accounts without notice. The attached letter says the account was closed on XX/XX/XXXX but it was actually closed on XX/XX/XXXX. I have made multiple attempts to find out the circumstances but Citi has not replied, including writing the address provided in the enclosed letter. I have had Citi credit cards for about 25 years so I have a long history with them. I am disappointed by the closure and the timing in the middle of a pandemic. Very poor form. After 25 years of being a customer, I am due an explanation at the least.
Consumer complaint received 2020-04-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I submitted a dispute letter to Experian for inaccurate information that reporting on my credit profile. I submitted dispute letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I am filing this dispute, I am on the phone with XXXX at Experian in the fraud department. He indicated that the accounts that I disputed were all coming back verified as accurate. I asked him how are they verifying the information and he stated that they contact the creditors directly. I then asked him why haven't I gotten correspondence back from them indicating how and where they had gotten this " so called '' verified information, and he told me that " b y law they are not required to tell me where or through whom they verify the accounts that I am disputing ''. Which I know via FCRA is incorrect. The credit bureaus are required to provide you with the reporting agency that they recieve their information from. XXXX told me that whatever the creditors tell them, that is what the report as valid. He told me that verifying information is strictly between myself and the creditor, and they do not send anything to the consumer about their method of verification. I know that my rights are being violated and I am livid that these creditors are given so much power over the erroneous information they are allowed to put on your credit profile. I have submitted proof of my identity to them, XXXX yet when I call the phone system to speak with a representative, the automated system says they can not verify who I am, then ends the call ), I have a paid membership with Experian.com, my personal information was breached during the XX/XX/XXXX XXXX  data breach, I have submitted police reports to Experian and I have verbal confirmation from XXXX  that they have in their possession my police reports indicating identity theft through FTC in their system, yet Experian is telling me that accounts I know are not mine will not be deleted because the creditors verified to them to be accurate. I believe this private company 's intention is to purposely continue to report inaccurate information about consumers, with the hopes of monetizing from them. I am disgusted with Experian and their practices.
Consumer complaint received 2021-11-05
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. (TN)

I have sent letters to Transunion, XXXX and XXXX stating that the items on the letter enclosed aren't mine and they are a product of Identity Theft I have sent them a police report as well. They aren't sending me any response letters and when I call they tell me they never received the letters nor the report so I have decided to file a complaint with CFPB and FTC because they are totally compromising my credit.