davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

We represent a seller in the short sale of his home. We have a Chase short sale approval letter that expires on XX/XX/XXXX. We scheduled this closing for XX/XX/XXXX and submitted the required closing docs for final approval to Chase via a message in XXXX on XX/XX/XXXX and asked them to open the closing task on XXXX as well. We also faxed the docs in and sent via an email to the Chase closer on XX/XX/XXXX. On XX/XX/XXXX, we had no reply from Chase, so we called them to open the closing task and found out our closer was not in the office. I said I needed the task opened and a supervisor needed to be contacted as our closing was now only 2 days away. They opened the closing task XX/XX/XXXX which we promptly completed on XX/XX/XXXX. I called again on XX/XX/XXXX and reached our closer. She indicated that she was out of the office Mon - Wed XX/XX/XXXX to XX/XX/XXXX due to a family emergency. I asked her for status of our final HUD approval and she said nothing had been done with it once she reviewed the file. She said she would try to rush the final review, but no promises. I called back again on the morning of XX/XX/XXXX ( scheduled date of closing ) only to be told that Chase could not accommodate our closing on XX/XX/XXXX and to submit a closing date amendment to extend the closing out 7 BUSINESS days along with a revised closing stmt dated 7 BUSINESS days out. I told them that this was unacceptable as we had done our part to get the final required approval and that Chase had dropped the ball. Buyer is going to have to pay {$510.00} to extend their rate lock that expires on XX/XX/XXXX. Buyer has items on a moving truck to move in today. Not sure what is going to happen to those items or who is going to pay to have them stored for 7 more BUSINESS days or where the buyers are going to live in the meantime. This is not a rare occurrence for Chase - this is a repetitive problem with Chase 's closing procedures. Other major lenders can approve a final HUD for closing in under 24 hours ... .Chase requires 5 days and then it still gets delayed. I ran this all the way thru a manager at Chase escalations and only got lip service.
Consumer complaint received 2023-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XX/XX/XXXX, I received a letter dated XXXX XX/XX/XXXX from Bank of America ( BoA ) stating they were working on " my application for the Allegient World MasterCard card '' and needed to verify information on my application. I had not applied for this card and immediately contacted BoA 's Credit Fraud Department to report the fraudulent activity and stop the application process. This company had run a hard inquiry against my credit report and I was told that it would be removed when BoA fraud investigation was complete. As of XXXX XX/XX/XXXX, I had not received any report, and the hard inquiry still reflected on my credit report, so I called to request an update. I was told the fraud was confirmed by BoA, but that I had to contact the credit bureau ( XXXX ) to dispute. I called XXXX Credit Bureau and was told they had nothing from BoA. As of today, XXXX XX/XX/XXXX, the hard inquiry on my credit report that was generated due to a fraudulent credit card application still exists.
Consumer complaint received 2020-07-18
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. (WA)

Two hard inquiries to my credit report on Transunion- significant negative impact to my credit report, which I am trying to improve so I might purchase a home. 
These two inquiries were made consecutively, without my consent or knowledge on XX/XX/XXXX, and XX/XX/XXXX, of 2019. They were made by a company called XXXX, from XXXX FL.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (GA)

XXXX accordance with the Fair Credit Reporting act, XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX GA XXXX  XXXX as well as the requested removal of all invalid Residences and inaccurate name spelling and showing which ive requested to be removed countlesss of times XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX all inaccurate name spelling ALL accounts and furnisher and Credit reporting agencies have violated 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.

4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

ALSO : 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance.

The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.

AND I have previously had these files deleted from the reporting agencies but I have yet to get a complete credit report update done within the system and these inaccurate and Fraudulent accounts still remain which is harming my ability to better my circumstances and situation. THESE ACCOUNTS NEED TO BE REMOVED AS THE INVESTIGATIONS HAS SAID. and I need an updated Credit report By Mail
Consumer complaint received 2023-01-12
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. (CA)

I received my Credit Report from Transunion on XX/XX/XXXX. I noticed the third party XXXX XXXX with XXXX XXXX. Most importantly the section XXXX XXXX and XXXX XXXX. Was XXXX XXXX Recorders office : XXXX XXXX XXXX When I purchased this vehicle from Future XXXX XXXX XXXX, I was living in the County of XXXX. XXXX XXXX holder on XX/XX/XXXX was XXXX XXXX XXXX. Not sure when XXXX XXXX purchased the loan from XXXX because I was notified that there was an exchange of XXXX. XXXX never notified me nor did XXXX XXXX. My payments were XXXX starting XX/XX/XXXX. XXXX is not on my Transunion Credit report from XX/XX/XXXX. However there is a Inquiry from XXXX on that credit report dated is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX. 

Car was repossessed XX/XX/XXXX. Filed police report with the city. However they never replied. contacted company each time they gave me a different pick up location. XXXX or XXXX. XXXX XXXX is not licensed in the state of California.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC (MI)

I put my XXXX  subscription on vacation, the customer representative for dish had no problem doing that for me I picked the time frame and he said I was all set. I go on vacation, while on vacation the person that was watching my house told me I received boxes from XXXX. When they opened them for me they found packing to send the XXXX  equipment back. When I contacted XXXX  the told me that they had canceled my subscription because I put it on vacation with out paying the current months bill which was not even due yet at that time. XXXX never contacted me to inform me of this before they canceled. Since it was canceled early they charged me a early termination fee which almost doubled my bill. Since I was not expecting that extra fees for something I did not ask for I was not able to pay the bill at that time so XXXX  sent it to collections. When collections contacted me I told them I was disputing this with XXXX  and was not going to pay them at that time. Several months later it appears on my credit report forcing me to pay it with out any notice or contact from XXXX  or the collections agency. I paid it immediately to XXXX. Then I asked collections to remove it from my credit report since I had paid XXXX  directly. They told me no, when I asked to speak to the department that handles there credit reporting they again told me no and that it was going to remain on my credit report.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

During the sales call, the rep talked about terms of the loan and said that I needed to pay {$500.00} and that it would be applied to closing costs to start the process. First, they never did get the terms correct as promised in the disclosures. I called and called with very slow responses. Said they would fix the problem but they never did. The " application fee '' showed up and they said it would be removed at closing. I said no, I want it removed now. They never did that. They were extremely incompetent or trying to deceive me. 

I went to another broker because of all the problems. I asked for my appraisal to be transferred and they said I needed to pay {$570.00}. I told them that I paid them {$500.00} already and they said that wasn't part of that even though the sales rep said otherwise. They supposedly record all calls so you should be able to verify the very deceptive language the sales rep uses.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request.

Sincerely,
Consumer complaint received 2018-07-23
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. (NJ)

XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request.

Sincerely,
Consumer complaint received 2023-03-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

Signed up online for a checking/savings account with {$600.00} bonus. I tried to fund the account with an external bank transfer within the chase app, but that was denied by chase fraud department, they claimed that they are having a system issue and external transfers are not working properly. They said I could either go into a branch or fund via a deposit check online. I deposited 2 checks ( {$7500.00} each ) total of {$15000.00} for the savings and the checking account. The checks cleared my bank last month XX/XX/23, however Chase put the funds on hold until XX/XX/23. I logged in after this and found my accounts had disappeared. They now state they are keeping the funds indefinitely and have refuse to return them to my external bank ( citizens ), send me a check to the address on file, or apply to my account. My only option is to go into the bank ( not local ) and prove my identity before releasing funds. Numerous calls have resulted in the same answer that Chase will hold my money hostage until I go into one of their branches and plead my case for it's return. 
The external bank I originally created a transfer from and the account that these 2 checks cleared has been used to pay multiple CHASE credit cards for years. They have withdrawn automatic credit card payments from this bank probably 100 times. the fact that this bank can solicit me to open an account with a {$600.00} bonus and then flag my deposits and hold unto them indefinitely until I go into a branch that is not local and prove myself to them. They have called me several times since then and verified my identity, as they discussed this matter, which they claim is a that the " back office '' flagged the transactions and they are going to keep them until I prove they are mine.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC (OH)

I originally received the notification from the clerk of courts and set up monthly payments. My bank account information changed and my address, so I called the company to update all my information. They mailed me a form to complete and I mailed the form back into them. Several months later my employers notified me that my wages would garnished from the company but I was never notified in between. When I reached out to the company, they informed that they had mailed items to me informing me but they said I didn't call to update my address and back information. Someone else I spoke to found the phone call with the update address and back information. I tried to set up payments instead of the wage garnishment since they were confused if I had called about my back information changing and my address changing but they refused saying I should have called them sooner about the setting up payment. I ended up refinancing a car so that I could pay the amount off completely. I made the payment and now they are refusing to mail, fax, or email my employer to stop the garnishment. They said my employer will have to wait for the court document. The court does not send another document to my employer. In order to reach Levy and Associates I had to call over 13 times within a 1 hour period, I was hung up on 8 of those times. They have refused to give me a confirmation number for my payment in full and have refused to provide anything to my employer to stop the garnishment. When I ask to speak to a manager, they tell me no or the manager, XXXX XXXX will tell me he has emailed my employer which is not true. He has told me several times that my employer just isn't checking their email, which in fact my employer is waiting patiently to stop the garnishment and help me with the situation. The email has been sent by the company. Waiting on hold for hours and then hung up on over and over again is frustrating. I never received an correspondence in the mail after the initial contact. I have been willing to work with the company but they have made it impossible.
Consumer complaint received 2022-08-13
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 called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX****Balance : $ XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXXBalance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( XXXX : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
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: BBVA FINANCIAL CORPORATION (NJ)

Please see attached detailed letter that documents events. The Company has not appropriately or timely attended to my several attempts to notify it of fraudulent use of the card. As of today, I am unclear on what is the status of my claim, nor even if it is being processed, due to a number of confounding and confusing communications and processes by the Company.
Consumer complaint received 2023-01-12
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. (MD)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX XXXXnd I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-13
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. (GA)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2017-09-22
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: ID Analytics, Inc. (LA)

I have never once heard of XXXX XXXX   before this problem and because of them, I am even being denied short term loans that have no hard inquiries. They stated that XXXX was reporting a XXXX score back in XX/XX/XXXX OF THIS YEAR, and then a XXXX ... I had never even heard of these people ... when I know I have been working my XXXX off getting my scores up to past 660!! ... I even tried to get my score from them but there is no way in XXXX I am sending every single detail of my personal information to them in order to obtain the " info '' they SOMEHOW already have. I would love to have them shut down because it is causing a bunch of trouble and just screams SCAM!