davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

I applied for the Chase Sapphire Preferred card on XX/XX/2021 because of the XXXX point bonus promotion they were offering at the time. After applying for the card, I received an email that my application was being processed. I spent much of the next few months traveling and away from my home address. After a few weeks, I called the Chase Customer Service line and was directed to an automated portal system where I could enter my social security number to find the status of my application, which I was told was approved. 

I returned home a couple of weeks later to a letter from Chase in the mail saying that I needed to call to verify my application. When I called, I was told that it had been over 30 days and they canceled my application even though I was previously told via the automated system that I was approved. I never received any other emails or phone calls from them except for this letter, which very easily could have just been lost in the mail. 

I have since spent over 20 hours over 6 different ocasions on the phone with representatives from Chase 's lending and customer support teams and I've been asking to just have them honor the previous offer that I was approved for which is no longer available. I have been told numerous times ( including from a representative named XXXX ) that they would resolve the issue for me and I would be contacted within 2-5 business days by a manager, and have never received a single call back. XXXX even assured me that they would run a new credit check for me and then remove the hard inquiry after I was approved since I had already gone through this process before. 

All I'm looking for is for Chase to resolve the problem by allowing me to re-apply for the card with the offer that I was approved for in the first place. Their customer service has led me astray multiple times and It's completely demoralizing for me as a consumer who just wants a credit card that I've been told is really great.
Consumer complaint received 2021-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/XXXX I received a first credit card bill from XXXX XXXXXXXX XXXX ( of XXXX XXXX NV for {$2400.00} ( later this mysteriously became {$2500.00} ). I NEVER OPENED AN ACCOUNT WITH XXXX XXXXXXXX. I had been notified by XXXX that the account had been opened & I disputed having done so & requested it be blocked. XXXX shortly posted the account as " closed '' after I'd written to XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. NB : The XXXX XXXX bill had been sent to the wrong address ( repeatedly?, yet delivered by a mailman who knows me ) and the acct. # seems peculiar ( XXXX numbers instead of XXXX etc. I've never seen a list of transactions. ) XXXX XXXX then contacted me to say the account had been " resolved '' and it continued to appear on XXXX throughout XXXX as " closed. '' I corrected the address with XXXX XXXXXXXX but they recently informed me ( via still incorrect address ) " my account '' ( fraudulent ) had been sold to PYOD, LLC in XXXX NC, which appeared on my XXXX XXXX account under " For Collection. '' Then I heard recently from a collection agency called XXXX XXXX XXXX ( XXXX IL ) they were collecting for aforesaid PYOD LLC. Note : I never opened an account with XXXX XXXXXXXX ; I have never heard from PYOD LLC directly, and have contacted XXXX with no reply ( XX/XX/XXXX ). I have filed reports with the FTC and XXXX Police, placed credit freezes and alerts with the 3 credit rating companies. I have searched and found that my name & email were breached & appear with Gravatar ( XX/XX/XXXX ), XXXX ( XXXX XXXX ), & Share This ( XX/XX/XXXX ). BOTTOMLINE : XXXX XXXX XXXX if now trying to collect for PYOD LLC for {$2500.00} on a fraudulent account I never opened. HELP! Someone fraudulently opened an account with XXXX XXXX in my name ( Where's the application to open this account? Must've been online : wrong address, 15 numbers in a peculiar arrangement ).
Consumer complaint received 2019-03-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Army and Air Force Exchange Service (TX)

I am a military unit commander. On XXXX XX/XX/2019, I received a complaint from XXXX XXXX XXXX that a member of my unit failed to pay an amount owed. I receive these letters, containing private financial information, on a regular basis. This is a blatant violation of the law and is still allowed due to DOD Financial Management Regulation Volume 7A, Paragraph 430505, as stated in their letters. 

Addresses listed : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (FL)

Contrary to Ms XXXX XXXX, the validation that was sent is a total joke and doesn't show ownership nor when the service was started, terminated, that myself actually signed an agreement for said alleged debt. 
The alleged validation is a screen grab that just shows columns of numbers but shows absolutely 0 of the aforementioned factors asked for above which pursuant to 15 USC 1692g I am within my rights to  ask for. 

Furthermore, to highlight the blatant dishonesty of this organization, I was told on XX/XX/XXXX that a verbal request wouldn't be honored and that I would need to submit a written dispute. I advised them per the FDCPA that, since notice was given I was going to being a validation of debt letter, they had to put all collection activities on hold for a period of 10 days. 

Now, the validation of debt package was sent via USPS Priority Mail on XX/XX/XXXX and was received by their office and signed for by a XXXX  XXXX on XX/XX/XXXX and they verbally acknowledged receipt of said package pursuant to the conversation I had with them on XX/XX/XXXX. 

Now, this office is flaunting the language of the FDCPA as well as skirting the Florida Consumer Credit protection act. I would advise that since I have proof that the validation of debt package has been sent and received by this organization that they follow the letter of the federal law and furnish to myself all requested and required documentation that would substantiate the legitimacy of this alleged debt. All collection activity is to not resume until such time as I have proof and my legal counsel can  look this over.
Consumer complaint received 2022-02-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lincoln Educational Services Corporation (PA)

LINCOLN TECH XXXX {$10000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2023-04-10
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$610.00} ; XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance {$31000.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$38000.00} XXXX
Consumer complaint received 2023-04-10
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. (OH)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2020-12-12
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. (AL)

I have noticed UNAUTHORIZED inquiries on my report or I noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these UNVERIFIED & UNAUTHORIZED items MUST be REMOVED!! Below is a list of all of the accounts and the dates at which they where UNAUTHORIZED. 

XX/XX/XXXX/MAIL XX/XX/2020 XX/XX/XXXX XX/XX/2020 XX/XX/XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020 XX/XX/XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020 XX/XX/XXXXXX/XX/2020
Consumer complaint received 2022-05-01
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)

In accordance with the Fair Credit Reporting Act Equifax continues to violate my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. ( Account Name : Unknown ( Not Given By Equifax ) ( Account Number : XXXX ). Ithey received certified letters from me to them more than over 40 day ago stating my dispute, They fail to even notate that a dispute was even submitted. This account inaccurate and unverified Equifax refuses to comply with the removal. This information is erroneous and against the law. I demand it please be removed immediately.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (OR)

IQ Data International is a collection agency reporting a current debt of {$2400.00} owed on my credit report, which includes a claimed {$730.00} in accrued interest, and has failed to respond to a simple request for validation. My request for validation letter was confirmed received by IQ Data International via USPS on XX/XX/2021. 

Furthermore, IQ Data International has attempted to gaslight me with mention of a " dispute '' that never really happened and citing yet another debt amount owed ( of {$3400.00}, including a claimed {$1800.00} in interest, noted in attached response letter from IQ Data International dated XX/XX/2021 ). 

The 30-day period for IQ Data International to respond to my request for validation is now long past, and by law they must stop reporting this collection.
Consumer complaint received 2019-03-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This has all started years ago when I disputed a non authorized hard inquiry with XXXX, I already Had a XXXX card so I disputed that hard inquiry resulting of them deleting 12 years of account payments and history never putting it back on # 2 Since XX/XX/XXXX all 3 credit bureaus had reported a on authorized inquiry from XXXX XXXX another account that I have under my name and have had for over 3 years so my hard inquiry had already dropped off I immediately disputed this new one and there goes another history of payments for 3 years And deletion of an account my score was XXXX and after they deleted these 2 Accounts it dropped down to the low 6 hundreds I have absolutely no credit history after I worked extremely hard to gain it back after my identity with stone number 3 XXXX XXXX card As of todayXX/XX/XXXX I called them to fix the credit history reporting because they were only reporting 10 months and I've had it for 2 years there goes another account deletion I have had to submit several disputes to all 3 credit beaurous for misleading my credit files. Whenever doing so they make them worse. XXXX has now deleted 3 major credit cards due to me disputing 2 non authorized Inquiries, And a payment history repair because they were only reporting 10 months of payments when I have had the card 2 years in which resulted in them just deleting the entire account once again.
Consumer complaint received 2018-02-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (IA)

Our account with XXXX XXXX XXXX Hospitals and Clinics was turned over to a collection agency called XXXX XXXX XXXX. When we realized this information we tried to contact XXXX XXXX XXXX  Hospitals who would no longer work with us regarding our account. We missed payments due to my husband 's multiple hospitalizations in XX/XX/2017, XX/XX/2017, and XX/XX/2017. We also tried to make payment arrangements with the collection agency XXXX, but we could not afford the payment arrangements they offered us. We offered to continue payment with what we could afford, and XXXX refused our payment we offered and stated that we would " HAVE TO GET A SHORT TERM LOAN FROM ONE OF OUR BANKS OR FILE BANKRUPTCY. '' I don't understand how collection agencies and hospitals can treat people this way, especially when we are trying to make arrangements to pay whatever we are able to pay. It is not an option for us to take a short term loan. My husband is recovering from XXXX and a XXXX XXXX XXXX and has just returned to work after being on medical leave for more than 2 years. We simply do not have any extra money ( certainly not the $ 500- $ 600/month ) which was the only payment arrangement offered to us by XXXX . Why can't they work with us or change the terms of the collection? I have never experienced anything like this before. This is not right by the hospitals or the collection agencies. My family will pay our medical debt, but we need help and flexibility so we can still continue to live and take care of our family. These payments are not reasonable or we wouldn't be in collections to begin with.
Consumer complaint received 2022-05-02
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX send a dispute letter to Experian to provide asking to provide copy of original contract with my signature to proof the validation of fee accounts in my credit report but their answer to me was the account is " verified '' but never sent back to me ant documejt with my signature in a clear violation of the FCRA. If they cant provide proof of the information this contracts the accounts must be deleted. 
Back in XX/XX/XXXX send back a second letter asking for verification and theur answer is they wull not re-investigate but never provide physical evidence of any contract so they must delete those accounta from my credit report without asking me to provide relevant information to them to re-investigate if they are not able to provide what is requested in the federal law.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I booked to go on a cruise through an agent, XXXX, with XXXX XXXX XXXX for {$4300.00}. When the XX/XX/XXXXstatement was received I paid the statement balance of {$4800.00} on XX/XX/XXXX, which of included the {$4300.00}. Since then I have had an ongoing struggle to explain to Chase, the card issuer, what happened next both in many telephone calls and in seven letters to date. Chase is charging the account interest and fees. I insist that my account was paid on XX/XX/XXXX in full. I have always in my entire life paid my credit card in full every month. I have also told Chase to close my account and I have destroyed the cards. I have not used the card since XX/XX/XXXX.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

I had an insurance claim for wind and rain damage on my home ; my insurance company paid out {$7500.00} on the claim. Chase Home Finance improperly converted the claim into a monitored claim - which is very rare for interior cosmetic damage - and we endorsed the check over to Chase. Chase then ran us through hoops for months to get the check released. In the meantime, we laid out the money to hire a contractor to do the fixes and then submitted proof, including photos of all the repairs to Chase. Chase contacted me and scheduled a Chase inspection of the property and told me that the inspection would take place within 3 days. Chase never called me back. I followed-up with them and requested that the check be released however they now tell me that they transferred the loan to a new servicer, although they never previously disclosed that the loan was being transferred. Chase failed to notify me by mail that the loan was being transferred or otherwise. On XX/XX/XXXX I sent in an electronic payment to Chase for my monthly mortgage payment not knowing that my XXXX payment needs to be made to XXXXXXXX XXXX. On top of everything else, Chase is wrongfully withholding my insurance check ; I contacted XXXX and they informed me that Chase has not transferred the check to them. I never authorized Chase to release the funds to anyone but myself ; if chase released the check to XXXX, it was a violation as they had no authority to release it to them. I have also made repeated demands by letter asking Chase to show me the original Mortgage and Note on my property and they have failed to respond or comply with the request.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account NameXXXX XXXX XXXX XXXX Account Number:XXXX Account Name XXXX UNKNOWN : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.