davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (SC)

Good morning, I'm writing to you for the second time now, in the hopes that you will be able to assist me with Chase. 2 years ago my wife became Gravely ill and it ate up all of our savings. She's better now and we've been able to get a hold of our finances. I've been trying for more than a year now, to modify my loan with Chase and have been declined four times. 

I've attached my income and expenses and you'll see that I have more than enough disposable income, to warrant a modification. However, Chase is NOW claiming that because this is a USDA Farm loan, my wife 's SSI income is not allowed to be considered part of our household income. This is ridiculous! 

Her income has always been part of our household income and it's the reason why we were able to get back on our feet. 

This file has been escalated to the office of the chairman at Chase. And, as of recent, I've been dealing with XXXX XXXX - XXXX XXXX Please assist with this!! I haven't been able to find anybody at the USDA Farm loan programmed to give me a straight answer on this - I strongly feel that it's simply Chase trying to muddy the waters and grab land.
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (MO)

On XX/XX/XXXX I saw a missed call on my work phone. I called back it was a company called Diversified Consultants. I was told they we're calling in reference to a XXXX bill. I 1st asked the rep to remove my work number and she continued to talk about the bill that was XXXX. I informed her that I worked for XXXX years ago and had free cable and to please remove my work number again. Then on XX/XX/XXXX I get another call from a rep from their company name XXXX. I asked to call back I called back and spoke to XXXX XXXX, I informed her that I spoke with them and asked the last time to remove my work number. She stated the rep claimed she didn't have a chance to verify which number to remove. That's not true because I repeated the work number to be removed and never called. She continue to talk about the bill. I do not owe. I told XXXX this is a violation of debt practices. XXXX said she would open a dispute and remove my work number. However, the number should have been removed the 1st time.
Consumer complaint received 2018-03-06
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: World Omni Financial Corp. (FL)

Hello. I have A " World Onmi open account affecting my credit big time. I sign off on this card because my ex needed a car. After we broke up I realize that payment was not being made and a few months later the car was repo. Of course it will go on my credit because is under my name but I feel like although I made the mistake to get a car loan I should not be responsible for the remainder balance of 5k+ to be  paid by me. 

Please help! 

Thank You
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I engaged XXXX to dispute on my behalf, the reporting of incorrect information of a short sale by Chase on my 3 credit reports. All 3 reports contain incorrect information regarding the dates of when the mortgage was opened ( some say XX/XX/XXXX, some say XX/XX/XXXX ) and dates closed as well ( some say XX/XX/XXXX, some XX/XX/XXXX )  in addition to various other incorrect listings. They went through the first round of disputes starting in XX/XX/XXXX and gave the agencies 45 days to verify. Nothing changed. We then went through a second round of disputes beginning in XX/XX/XXXX and nothing was changed. In XX/XX/XXXX, XXXX  produced validation demands to Chase to send me the signed contracts, statements and detailed billing that was used to report the information to the credit agencies. They have failed to do so. They were then sent a non-compliance notification in XX/XX/XXXX and no response was received. Now, according to the Fair Credit Billing Act, this information should legally be removed entirely from my credit reports as some are incorrect and they have failed to send any supporting documentation.
Consumer complaint received 2022-11-19
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. (ME)

Transunion recently reported an illegally re-aged account from XXXX  on my credit report. I disputed this with both Transunion and XXXX XXXX XXXX ( the collection agency that reported it ). I sent proof of the age of the account and the fact that it was illegally re-aged and while XXXX XXXX XXXX investigated this and found that the account was not able to be legally re-aged ( and thus sent the account back and closed the collection account ), Transunion claims that they investigated and found the information accurate. The date was changed from XXXX  to XXXX of XXXX this is well over the XXXX year reporting limit for negative information and also illegally re-aged the debt. I sent proof of the age of the debt to Transunion, but they did not remove the illegally re-aged account. I am in the middle of applying for a mortgage and this has destroyed that chance for the house I was hoping to buy. I am attaching proof that the age of the account was sent by certified mail, as well as XXXX XXXX XXXX 's message, stating they are closing this account due to the incorrect information given to them by XXXX.
Consumer complaint received 2022-11-19
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. (FL)

The Following Companies Pulled My Credit Report Without My Consent XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-18
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 (IL)

On XXXX XXXX XXXX, XXXX I made a Donation to XXXX to a party to build the wall XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA of {$80.00}, They took out an extra XXXX and XXXX returned the {$12.00} back into my account. Later they asked me did I want a RFUND of the XXXX dollars, I said yes. XXXX  returned the {$80.00} after I closed my SERVE  account. AMERICAN EXPRESS is refusing to give me my Money. I closed the SERVE ACCOUNT because AMERICAN EXPRESS went into my Account on XX/XX/XXXX and took out {$79.00} and {$98.00} for XXXX, and I asked them why they did that : I previously had paid XXXX {$39.00} for a one year service protection for my computer. I have all my receipts and emails from them. But for whatever reasons, somebody went back into my account and tried to recharge me, and I disputed the charges and closed the account because, I felt something not right. After I closed the SERVE ACCOUNT XXXX  returned my XXXX dollars back into my SERVE ACCOUNT. AMERICAN EXPRESS knows this and they DO NOT WANT TO GIVE ME MY MONEY. THEY are outright HOlDING MY MONEY, they said they were sending me a check in the mail. As of today : XX/XX/XXXX. I have yet to receive my {$80.00}. I had this account with this for over three years and never had a problem, and all of a sudden I had this problem, and they keep putting me on holds and hanging up on me ABout my Own Money.
Consumer complaint received 2022-08-17
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  # XXXX, has violated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Following Companies Pulled My Credit Report Without My Consent XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair credit and reporting act the following creditors ( XXXX XXXX ) ( XXXX  XXXX ) ( XXXX XXXX XXXX ) has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

You can find the following attached photos of the accounts i would like to be removed for not Honoring my CONSUMER RIGHTS.
Consumer complaint received 2022-11-19
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NE)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (OH)

i contacted credit Karma on XX/XX/18 filled out the information to include my ss # and then they blew me off saying an error occurred so i re entered my ss #. and they came back with a page that said they wanted photographic proof of documents and to send them via fax ..i tried to complain that i felt it was wrong that they took my ss # then threw a wall of XXXX in front of me and well, now they have my info and i have nothing .i did tell them i was going to file with you folks and they put up another page telling me that i had something going on with my identification they asked for photo copies of my drivers licence.?? this just seem over the top to me and im concerned they are not who or what they claim to be.. 



STEP 1 Create your account STEP 2 Tell us who you are STEP 3 Confirm your identity Validation Failed We're sorry, but the answers you provided did not match the information on your credit report. We will not be able to grant you access at this time. 
This process is necessary to ensure our commitment to protecting user data. 
We need to double-check your identity To help us verify that youre really you, we need to see photos of your ID. 

Option 1 : Verify with your phone ( recommended ) Quickly snap and send photos of your ID with your phone for instant verification. 

Continue to phone verification Option 2 : Mail or fax photocopies Follow the instructions to print and send us photocopies of the required documents. Our Member Support team will follow up with you by email ( usually within 5 business days of receiving your documents ). 

1 ) Please provide two ( 2 ) copies of Identification. You must include one ( 1 ) document from each of the categories listed below, one ( 1 ) Primary and one ( 1 ) Secondary. All documents must be valid ( expired forms will not be accepted ). 

Primary : Driver 's License or State ID Passport Green Card /Temporary Resident Card Birth Certificate Secondary : Another Primary Document Social Security Card Utility Bill. ( Address must match at least one on file with XXXX ) 2 ) Mail your documents along with the email address associated with your Credit Karma account to the following address via postal mail : Credit Karma XXXX XXXX XXXX XXXX XXXX, CA XXXX If you have any questions, please do not hesitate to contact us. 

( again. they have my info my ss # and i received this in return )
Consumer complaint received 2021-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

To cfpb, On XX/XX/2021, I applied for a secured credit card for small business account on Wells Fargo online application platform. Application Number for Small Business Secured Credit Card : Application No. XXXX After about a week or two later from not hearing from anybody at Wells Fargo regarding the status, I decided to call. 

I spoke with one of the CSR 's who stated by application had been halted because they hadn't received my collateral. She mentioned that I needed to get a money order & take it to a branch. 

I then went to their branch in City of XXXX, California and the branch manager there had no clue they even had the service. I then went again another day and still they wouldn't take my collateral. 

I then made a complain to Wells Fargo corporate escalations : XXXX XXXX and I am a Case Specialist in the Wells Fargo Enterprise Complaints Management Office. Who stated he will promptly attend to my concern. And nothing. 

I then called their customer service escalation and she advise for me to mail new money order to : Payment Remittance Center ( For Business Platinum and Secured Card ) XXXX XXXX XXXX XXXX, MN XXXX Which I sent via USPS tracking # XXXX. The money order was signed for and delivered on XX/XX/XXXX, XXXX. 

A few weeks later, I called again because of no communication from Wells Fargo and they stated that process was incorrect, that I supposed to send it to another address with a collateral transmittal form. 
So I went back to the XXXX to get another money order for {$500.00} and send per his instructions via XXXX tacking # XXXX delivered to XXXX XXXX XXXX XXXX XXXX # XXXX, Attn : Business Card Collateral, XXXX XXXX XXXX, IA XXXX. 

Since XX/XX/XXXX, Wells Fargo has not opened by secured credit card, nor they have returned the additional {$500.00} that went to Minnesota. 
I tried calling many times customer service, escalations, and nobody will take imitative in locating my money order, action it, nor want to be responsible for helping me recover my {$500.00} money order, but if they are not going to open my secured credit card, they now owe me {$1000.00}, plus taxi fees, postage, etc. 

Thank you
Consumer complaint received 2022-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with the fair '' credit Reporting act, CAPITAL ONE, account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (UT)

In XX/XX/XXXX, I was checking on repayment dates for my loans. From the information provided at that time, repayment wasn't due to start until XX/XX/XXXX. 

On XX/XX/XXXX, through XXXX ( an app I connected to Navient ), I saw there was a payment coming due on XX/XX/XXXX. I went to call Navient to see if I could have the due date pushed to XX/XX/XXXX,  as I was not planning on starting repayments this early and wouldn't have quite enough to cover the loan payment and my other obligations. 

I called Navient on XX/XX/XXXX, and after verifying got sent to the collections department as there was a past due balance on my account. The agent refused to answer any questions or provide any assistance until the past due was paid. 

I checked my email, and the first notice of my loans going into repayment was on XX/XX/XXXX with a due date of XX/XX/XXXX, the next day. 

After seeing the emails, I contacted Navient via the email provided on their XXXX account asking why there was only a 24 hour notice of repayment starting. I did not receive a response, but I was sent another monthly statement dated XX/XX/XXXX. 

1 business day is not sufficient notice when loans are coming out of a deferment period.
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scott Fetzer Financial Group Inc. (SC)

Recently filed a claim with CFPB in reguards to this same account. This account Was is fradulent and does not belong to me. I sent the theft packet and required documents back after receiving it and it havent heard anything back until i noticed this account was reporting back on my credit report at the beginning at XX/XX/XXXX. This account was previously removed from my credit report. I am in the process of purchasing a home and this is hindering me from being a homeowner. As stated before this account is fradulent and i shouldnt be punished for something that does not belong to me. Attached is a copy of my police report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my ongoing frustration and concern regarding several items on my credit report that I have previously disputed. Despite my efforts to rectify these inaccuracies, my disputes seem to have been ignored. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-11
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: CITIBANK, N.A. (GA)

I have contacted XXXX XXXX  about a XXXX XXXX XXXX XXXX  Credit Card they allowed to be opened in my name fraudulently, and I have also contacted Citi Bank about a Home Depot card they allowed to be opened in my name fraudulently. I have mailed correspondence to both companies to let them know that these accounts were opened fraudulently, and I have provided both of them police reports that clearly stated these accounts and other accounts were opened in my name as a result of fraud, both companies have refused to refrain from reporting this fraudulent information from my credit report even though I have notified them multiple times and provided evidence that these accounts were fraudulent. 

I have also contacted XXXX  about these fraudulent accounts but XXXX has refused to do proper investigations, and XXXX was also provided a copy of the police report outlining the fraud. XXXX has chosen to continue to allow this fraudulent accounts to be included in my credit file. XXXX, XXXX XXXX, and Citi Bank continue to violate my FCRA rights and have therefor defamed my character by willfully and maliciously providing information they know and have been told and provided evidence these accounts were the result of identity theft/fraud. 

Police Report is Attached
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: EQUIFAX, INC. (NY)

over the past 6 months I noticed 2 accounts reporting on my credit reports that are mistakenly reporting ... I contacted equifax over the phone on numerous occasions and every time I call them I get a operator who cant speak english and each time they refuse to let me speak to an american ... I was told I could go online and dispute them and each time I go online it says my information doesnt match their system
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.