davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Our mortgage loan is currently serviced by Chase Bank. The entire mortgage loan was discharged in a Chapter XXXX Bankruptcy. The mortgage statement shows that the mortgage note has been discharged in bankruptcy and a new mortgage note was never established. Collecting money on a discharged mortgage debt is a violation of the Federal Bankruptcy Code. Bankruptcy Courts may use their contempt power under Section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction.

[ 1 ] See XXXX XXXX v. Chase Bank USA N.A., Adv. Pro. No. XXXX, Doc. # XXXX ( XXXX. XXXX XXXX XXXX ). 

[ 2 ] See XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX, Adv. Pro. No. XXXX, Doc. # XXXX ( XXXX. XXXX XXXX XXXXXXXX4 ). 

The attached statement shows that there is {$580000.00} current principal due, but verbally Chase advised that {$670000.00} current principal due. There is also a deferred amount of {$92000.00} due and a capitalized interest balance of {$22000.00} due. Chase could not explain the accounting methods utilized on the statement. The lien position at the time of the bankruptcy discharge has not been disclosed. The loan modification that was executed shows an interest amount due of {$67000.00} and {$51000.00} in past due escrow. The interest due at the time of the modification was 18 months and escrow was listed as 60 months past due ( see attached ). This is mathematically impossible and Chase has not been able to explain the accounting. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the XXXX XXXX XXXX of XXXX. Chase Bank has refused to cooperate and is threatening foreclosure action. Chase Bank also has an obligation to offer mortgage assistance per the CA Homeowners Bill of Rights. Chase Bank is in violation of both the XXXX XXXXXXXX XXXX  of XXXX and The CA Homeowners Bill of Rights. Overall the past loan modification has trapped me into a dire financial position for the long run, likely pushing me into foreclosure. Ultimately, I am trying to save my home and I am seeking your assistance on this matter.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I have excellent credit, a job and was looking to reduce the number of years on my mortgage. So as a long time banking customer of Chase, I applied for a refi with Chase 3 months ago. All documents are in order yet everytime we are up for a closing they come up with a stall tactic. It really seems like a scam as they took XXXX non refundable if i back out. Its almost like they want me to.
Consumer complaint received 2019-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

XXXX XXXX
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (MI)

I tried to apply for my credit report through Carma and indicatrd my social security number is wrong. Also tried to apply for XXXX XXXXXXXX credit card and the same thing happened. It is the correct number..please help. ..
Consumer complaint received 2018-09-26
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Equitable Acceptance Corp (MD)

I was contacted by a company called XXXX XXXX XX/XX/2017. I was hesitant but I was also overwhelmed with the amount of school loans I owe. I thought going to college would better my future and the only thing it has brought me to date is more debt and extra stress. Being a young woman trying to make a way for herself, I was easily fooled into believing that XXXX XXXX would be a great way to pay off my school loans. I did my research to see if it was a scam or to see if i saw anything negative about the company. I did not find anything negative. Being that I don't have many family members to ask questions about college I just trusted that I was doing the right thing. After signing the contract and being told I was on the {$0.00} dollar payment plan I was excited that I was able to pay off my school loan at a great price. Not putting the pieces together & realizing If i was eligible for the {$0.00} payment, why was I having to pay {$49.00} a month? I was told I did not have to pay till XX/XX/2017. After a month from XXXX, I realized there was a charge added to my Credit for Equitable Acceptance in the amount of {$1500.00}. Which I was NEVER told there would be an additional charge added to my credit on top of my original school loan. Confused & Worried I contacted Equitable Acceptance with my concerns. I was told that after a while the original school loan will drop off but i have to pay the full amount of {$1500.00} in order for my loan to be completely gone from my credit. I also contacted XXXX XXXXXXXX my original Loan provider which told me they do not deal with Equitable Acceptance and that there was nothing that could be done from their end. Knowing that I was in a contract just paid the {$49.00} per month on time just to avoid any negative marks on my credit hoping that eventually my original loan would start to go down. Here we are a year later and I still owe the school the original amount, while also paying Equitable Acceptance for 3 years is insane!. I was contacted the end of XXXX by XXXX XXXX stating I had to re-enroll. Which raised a red flag for me and i started doing my research again. After speaking to a few different people and contacting XXXX XXXX my original school Loan provided I was guided into this direction. I am a hard working women just trying to make a way for myself. Regardless of what was told on the phone it's obvious they have fooled many other college students. This must be a new company because now the reviews are numerous and its all the same exact story. When you get the original call from XXXX XXXX they state this is a " STUDENT FORGIVENESS PROGRAM '' any person can make the mistake of believing your loan will be forgiven.I was never once informed on the phone after the 3 years you will still have to pay your original loan.
Consumer complaint received 2023-01-09
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. (GA)

Good Will Letter was sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, in 2022 in an effort to remove late payments from my account. I was sick with XXXX and fell behind due to not working at the time and they did not provide grace and remove late payments.
Consumer complaint received 2018-09-26
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. (NV)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that. 
Please delete/remove the following accounts 1.XXXX XXXX   2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXXXXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This account was open in my name last year by my ex wife and she have sinced then paid off account when the company call me somehow with a debt..I did not authorize this account to be open and now that the obligations were met i want the account removed from my credit report
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I used the US Postal Service to send all three credit bureaus ( XXXX, Equifax and XXXX ) letters informing them that they are reporting inaccurate/false information on my credit report. I requested that they verify these inquires and if they do not find any legal proof that I authorized these inquires to please remove them from my credit report. I requested a 30 day response. I never received a 30 day written response back from any of these reporting agencies. On XX/XX/XXXX I sent an follow-up letter again informing these agencies of this false and inaccurate information they continue to report on my credit report. Again, I requested a full investigation and proof be sent to me that I had authorized these inquires. I still have not heard anything back from these agencies and that are still reporting this false information. I have included proof of the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I also attached the letter had notarized on XX/XX/XXXX requesting these items to be removed.
Consumer complaint received 2019-02-20
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. (OH)

THIS IS MYSECOND REQUEST. The unverified account on my credit file below remain on my credit in violation of Federal Law. FCRA requires you to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I got a letter saying verified that these items are being reported correctly?

How was this done when the companies never even responded You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) + Section 611 ( a ) ( 1 ) ( A ) ( a contract with signature ) and under Section 611 ( 5 ) ( A ) of the FCRA Yall can delete the account below The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
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)

Contacted a representative about the account in my dispute for inaccurate residency information resulting in me not receiving the information on file. She stated the address for contact information was the address listed on my rental agreement I attached not the XXXX XXXX XXXX address. I let her know that I wanted to know information regarding the debt but she informed me it had been paid, reflecting a XXXX balance since XXXX XXXX, yet XXXX XXXX has been reporting fail to pay for those 3 almost 4 years when they weren't reporting the information accurately as charge-off. XXXX is reporting a balance still owed to them for {$8400.00}, but it was written off or sold. XXXX is being vindictive and trying to report FTP to try to get me to settle on a debt that I did not legally get information on regarding a " Notice of our Plan to Sell Property '' or " Deficiency '' when the contact information they had was the correct address I had moved to. It was confirmed today XX/XX/XXXX via phone XXXX, that XXXX XXXX has a XXXX   balance listed on my account XXXX, with a final payment after the one XX/XX/XXXX for {$13000.00}. They do have the right to report a {$0.00} balance but can not continue to report fail to pay for something there's no balance on. XXXX still had not provided me with the information about the point of sale therefore I'm still looking for resolution for the account to be removed since they violated my right to receive notice. They must immediately report the {$0.00} balance until then due to inaccurate information being reported.
Consumer complaint received 2019-02-20
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)

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report. 
An FTC had been filed and a police report will be filed. 
Thank you.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Accounts keep coming back on to my credit report that was included in my bankruptcy case. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, COMMONWEALTH OF VA. I SUMBIT A DISPUTE, XX/XX/2020 TO THE COMPANY 'S AND ALL 3 CREDIT BERUES.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Accounts keep coming back on to my credit report that was included in my bankruptcy case. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, COMMONWEALTH OF VA. I SUMBIT A DISPUTE, XX/XX/2020 TO THE COMPANY 'S AND ALL 3 CREDIT BERUES.
Consumer complaint received 2020-07-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I was hospitalized because I had XXXX XXXX XXXX XXXX XXXX XXXX. After XXXX and complications I was in and out of XXXX  for most of XXXX At that time I was unable to read mail or emails. In XXXX. I became aware that Bank of America had sent me notice that they were canceling my credit card due to nonpayment. My son made payments on my account XX/XX/XXXX {$3200.00}, XX/XX/XXXX {$3200.00}, and XX/XX/XXXX {$590.00} to pay the amount owed. I was told the account had been paid in full and was closed. I shredded the card and made no more charges. In XXXX XXXX I received an email notice that I owed {$15.00} on the account. I called Bank of America in XXXX and they said the account was closed so there could not be an amount owed and they would look into it. In XXXX.-XXXX  I continued to get notices with increasing amounts of interest added each time. I called again in XXXX and Bank of America responded that {$5.00} a month had been charged for 3 months for an on-line subscription to XXXX XXXX XXXX  XXXX. I had other on-line subscriptions that were being charged on the same card, but they all notified me that the card was no longer good and I provided them with new information. I'm not sure why the XXXX was notified like the others. In XXXX, I was applying for an auto loan and my credit report number came back considerably lower and the only overdue statements were this same account. That's why I called Bank of America in XXXX. First of all I was not physically able to pay and not able to notify any of my subscriptions. I don't think I should have to pay this bill.
Consumer complaint received 2019-02-20
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: Experian Information Solutions Inc. (NY)

Since XXXX of 2018 I've been sending certified mails to ( Experian ) Credit reporting agency. 
To validate all unverifiable accounts on my credit profile. Unfortunately ( Experian ) time and time again ( Experian ) has chosen not to follow both state and federal law. The law is clear under the Fair Credit reporting. A credit reporting agency must validate all consumer accounts with physical detailed documents. Including consumer contracts and original signature. I have ask ( Experian ) to correct all misleading, inaccurate, incomplete accounts since XXXX of 2018 but they have repeatedly sent me erroneous, incomplete response. Claiming they have some how accurately verified all mentioned disputes. How they have not provided clear verifiable proof of how they have some how validated these accounts beased on the validation guidelines of the FCA, and CPA.
Consumer complaint received 2019-02-20
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. (OH)

THIS IS MYSECOND REQUEST. The unverified account on my credit file below remain on my credit in violation of Federal Law.  FCRA requires you to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I got a letter saying verified that these items are being reported correctly? 
How was this done when the companies never even responded You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) + Section 611 ( a ) ( 1 ) ( A ) ( a contract with signature ) and under Section 611 ( 5 ) ( A )  of the FCRA Yall can delete the account below The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Spoke with the US Supervisor on XX/XX/2021, and asked them to remove the late from my account. Told them that I have proof it is inaccurate. They told me that they can not remove it unless the agency ( XXXX XXXX XXXX tells them to. They refused to correct the information for XXXX XXXX even though I explained I have proof that XXXX is not correct.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I have sent certified letters to dispute inaccurate information reporting to my credit report. The credit bureaus continue to ignore my request to remove this record and states that the account meets FCRA requirements, however, will not supply information as to how they are verifying this public record. I have contacted the bankruptcy courts who have confirmed that they do not verify any information with he credit bureaus. This is reporting in error and could be a case of mistaken identity.
Consumer complaint received 2020-11-03
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. (AZ)

i am requesting the removal of these fraudulent accounts that do not belong to me as i have been a victim of identity theft. please see my attached valid police report and FTC report to support my request. i have also filed a complaint with the CFPB regarding these accounts i have sent the credit bureaus more the enough supporting documents to remove these accounts and they still have not removed them.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (SC)

An unauthorized Amex card was taken in my name XX/XX/XXXX and a balance of {$7100.00} was run up. I have notified Amex via certified service several times. The first letter sent out XX/XX/XXXX XXXX  Tracking XXXX signed for by, XXXX MAIL ROOM. The second letter on XX/XX/XXXX via XXXX tracking XXXX signed for by, XXXX FRONT DESK. In both cases, they failed to respond within the 30 day period of time required by law and was a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). They were also put on notice of 15 USC 1692 et  seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. I further included a notarized copy of my Identity Theft Victims Complaint and Affidavit. As of today they have never responded nor acted to my requests.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2023-01-09
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. (GA)

Transunion is reporting inaccurate, false, and unverified information to my consumer report which is defaming my character and causing me to be denied credit. I have disputed this information with the company before and this company is ignoring my requests.