davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (IL)

I received my new Chase chip card credit card several months ago. Called up Chase and they said it was activated and I did n't need to activate it just use it, it is activated. I use my credit card every day and pay my credit every 2 weeks. Suddenly Today I use my credit card to make a {$160.00} charge for concert tickets and my credit is declined. I have {$6000.00} credit on my credit card. Since my credit card was declined I did n't know why and I lost the concert tickets which will result in me having to pay {$320.00} for the concert tickets from a third party!!! Chase 1st said it was address issue, then their next excuse was they said my card was n't activated. They did n't email, text, or call me to let me know my credit card was deactivated today so I could resolve the issue. Ticket companies only give you a few minutes to purchase a concert ticket before you lost it. 

1 ) Consumer 's credit card should ALWAYS need to activate their new card and should n't work unless it is activated. 
2 ) Credit Card companies should NOTIFY by phone, text and email if they are going to deactivate their credit card for something other than no credit instead of getting the unpleasant surprise I received today.
Consumer complaint received 2015-10-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Arbor Residential Mortgage LLC (GA)

I am, a victim of predatory lending. I purchased home XX/XX/XXXX with adown payment of approx. {$30000.00} The original lender was XXXX. A high 2 year fixed interest rate and was told that I couldrefinance after 2 years, loan was sold and when I tried to refinance, I refinance I was was was denied, I was told they paid too much for loan. Home went intoforeclose and was saved XX/XX/XXXX. A audit company call me to investigate loan for aasking, fee of {$1500.00}. They suspect loan fraud. Please investigate
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 5th Complaint informing the Credit Bureaus that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX CO XXXX Balance Owed : {$290.00} XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} XXXX XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy XXXX
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The car financing company XXXX is currently reporting as a closed account on with all three credit bureaus. They are also reporting as a judgement on equifax. I have contacted all XXXX credit bureaus because XXXX XXXX is currently garnishing my wages receiving roughly about XXXX per month since XX/XX/XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.
Consumer complaint received 2023-04-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX  by Comenity Bank I paid off the account and told them to close the account I asked to pay extra on the amount due they would not accept the extra {$10.00} They charged me a {$2.00} finance fee and they then charged me {$15.00} twice for fees on a closed account. 
I want these tactics noted and Id like the company under investigation. I never had a problem over paying my final amount to prevent from getting more fees on a credit card. Im upset and I do not want to pay these fees. 
I have found Comenity Bank to be unethical, greedy and suspicious in their practices.
Consumer complaint received 2022-07-20
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. (CA)

On XX/XX/2022 i sent Equifax a complaint letter certified mail, which i was notified when they received it. It has been almost 30 days and the items still remain on my report and I have not received a response from Equifax. Equifax is in violation pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft within 4 business day upon receiving all necessary documents which i have attached to this complaint along with the complaint that was mailed to Equifax.
Consumer complaint received 2022-02-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Good Morning, I had a medical collection added on to my report back in XXXX of 2021 which I paid Immediately. The account is correctly noted as closed and settled but did not return any points for having been paid. When it was added, XXXX points was removed from my credit score and none were returned.
Consumer complaint received 2024-01-24
Product: Credit reporting 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 fair credit reporting act account woods at XXXX Account # - XXXX ; Account # - XXXX has violated my rights 15 U.S.C 1681 section 602 A.States I have the rights to privacy 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-08
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. (NY)

Mailed a letter to XXXXXXXX XXXX by mail on XX/XX/2022 in regards to two Hard Inquiries listed on Credit Reports. 

There is an unauthorized Hard Inquiry from " XXXX '' listed on XXXX Credit Report dated XX/XX/2022, and XX/XX/2022. Spoke with an XXXX representative to dispute on XX/XX/2022. 

Also, there is an unauthorized Hard Inquiry from " XXXX XXXX XXXX '' listed on Experian Credit Report dated XX/XX/2022. Filed an online dispute on XX/XX/202XXXX XXXX
Consumer complaint received 2022-07-20
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. (CA)

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. The Credit Burueashave failed to comply with the FCRA section 605b and continued reporting these inquiries without proper veriofication and authentication. I am tempted to pursue legal action againsts the Credit Bureaus But I will be giving them one mor wechane to remove the inquiries completely from my Credit report. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Called XX/XX/31 to request a letter for my mortgage that shows my actual payment details. Request put in and I was informed it would take XXXX days. 
Called XXXX XXXX - informed they can see my request in their system and read the specific details of what needed to be included in this letter, he was not sure why I had not received it. He put in a new expedited request and said I would receive this letter in XXXX hours. 
Called XXXX XXXX - no letter received. Spoke with XXXX ( employee ID XXXX ) who confirmed again that he saw the request in their system but he had to put in a new request and it would take XXXX business days. informed him that I would lose my house b/c of their errors and requested manager. Transferred to XXXX XXXX employee ID XXXX ) who confirmed all details ( type of loan, payment, and recertification date ) and confirmed that she put in the request and letter would be received same business day. ( a letter was received, but did not include any of the necessary information ) Called XXXX XXXX and spoke with XXXX ( employee ID XXXX ) who states loan has been transferred to XXXX XXXX and they could not assist any longer, even though she could see the multiple requests in their system. Requested manager. Spoke with XXXX ( employee ID XXXX ) who states that they could not assist as loans have been transferred. Informed XXXX that I will lose my house and have spent multiple hours over multiple days calling this agency. He informed me to call XXXX XXXX. I pulled up the letter from FedLoans regarding my loan transfer and it clearly states that i would not have access to my account until my new account is loaded in their system. XXXX was very rude and kept telling me just to call XXXX XXXX b/c they could just email or fax me a letter. I questioned that answer since FedLoan was unable to do that and also informed him about the delay. He kept asking " why you just won't call XXXX XXXX and get the information from them ''. Requested his manager and he said I would have to wait on hold for a minimum of an hour. Again, I am going to lose my house without this information that i have been requesting for XXXX weeks! I am unable to wait another XXXX weeks for XXXX XXXX to do the job FedLoans should have done. Please advise on next steps to report this company and their awful business practices.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has reinserted previous unverifiable negative accounts on my file. I have send out dispute letters showing negative accounts that have re-aged history, recent payments on accounts that have been close or sold and all I get in return as results are letters with verify statement from furnishers.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. The Credit Burueashave failed to comply with the FCRA section 605b and continued reporting these inquiries without proper veriofication and authentication. I am tempted to pursue legal action againsts the Credit Bureaus But I will be giving them one mor wechane to remove the inquiries completely from my Credit report. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

I am interested in removing a 7 year eviction from public records. I paid off the debt, resulting in the case being deemed " satisfied, '' by a judge. However, it still shows up on civil case searches and most likely my rental application. I was wondering how to get rid of it all for good.
Consumer complaint received 2016-11-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NC)

My name is XXXX XXXX XXXX i would like to report that a company by the Name of XXXX has been over drafting my checking at my bank Wellsfargo. I do n't understand how they attain my information but it 's affecting my bank account with many over draft.I'ts no way to get it touch with their company and my ssi and social secruity at risk.That all the income i have and they ripping me off.And thank in advance for your support and help.
Consumer complaint received 2018-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

Hi my name is XXXX XXXX SS XXXX loan # XXXX I apply for loan modification last year bacause Im passing a hard economic problems and with me son going to university and the extra experience I was forse to ask for help On XX/XX/XXXX my mortgage company direct help me with the modification and quality In XX/XX/XXXX I started my 3 months of prove and on XX/XX/XXXX I finally got my modification paper to finish all the process. On XX/XX/XXXX I notarized all papers and send them back to them but they called me to said they dont have the paperwork They resent me another set of papers to notarized again which I did and send them back again Now I get a letter saying that my modification was canceled because they did not receive the paperwork. 
I talked to the supervisor on duty and she said that I have to re aplay again And because I dont have proven of being send the paperwork now is canceled I want to safe my house Im been pay it for XXXX I did all I was told to do and only because they said they dont have my paperwork Im loosing all I need you help and I hope you can help me My cellphone is XXXX XXXX
Consumer complaint received 2017-05-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CBM Mortgage, Inc. (VA)

We applied and were approved for a construction loan in  XX/XX/XXXX . We owned the land outright and so the loan was for the construction of the home only. Our lender,  CBM  Mortgage, recommended  XXXX   XXXX  to do the construction as they had recently done work with them. After speaking with the owner,  XXXX   XXXX , we entered into a building contract with him.  <P/> Construction on the home began in  XX/XX/XXXX . Throughout the process, the builder had issues making important dates and there were many problems. However, it became apparent that CBM Mortgage had given the builder draws that were not equal to the amount of work that had been done. No one with CBM has been able to explain the draw process - were appraisals done and if so, where are they? Were invoices submitted to justify payment?  <P/> There were many calls back and forth to both the builder and the mortgage company and we were assured everything was being done properly. Fast forward to  XX/XX/XXXX , and we receive a call from the owner,  XXXX   XXXX . He said all his assets have been seized by the IRS and he can not complete the home. A representative from  CBM  assured us that they will continue to work with us if/when we find another builder to complete the loan and if we need more money, they will make an exception to help complete the job. We began negotiating with some of the unpaid sub contractors ( the excavator ), but in that process, it becomes apparent there are several mechanic 's liens against the property ( over {$50000.00} ). CBM back tracked on their statement and said that until the mechanics liens have been paid, they are unwilling to fund anymore of the construction.  <P/> We believe that CBM Mortgage and   XXXX   XXXX   have ( or had  )  an undisclosed business relationship. We believe the owner of CBM Mortgage has loaned  XXXX   XXXX  money when times were lean and that he knew  XXXX  did not have a strong financial position. If  CBM  Mortgage was working in our best interests, they should have disclosed any and all information they had to make sure we could have made an educated decision. We also believe that  XXXX   XXXX  may still be in business as his trucks have been seen in the CBM Mortgage parking lot.  <P/> We are not sure your bureau is the correct department to handle this, but we certainly believe the lending process was not following as it should have been. Representatives from CBM Mortgage have been rude and unwilling to help. Now we face losing our land and future home.
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$34000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$700.00}
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (FL)

XXXXXXXX XXXX is reporting that this card is mine, and I have never filled out an application for this card. I was added as an authorized user but I was asked to be removed XX/XX/2022 by the account owner. After several disputes XXXX and Equifax have failed to provide XXXX XXXX from XXXX 's verifying that I am the actual account holder
Consumer complaint received 2016-01-22
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (OH)

I would like to file a complaint against Quicken Loans, I completed a mortgage application that has not given me a refund of my " appraisal fee '' as I had previous appraisal that was used with their loan product. I was denied the loan almost two months ago and have not been able to get a response to get my {$400.00} fee refunded as Quicken Loans never conducted any appraisal or paid any third parties for an appraisal.
Consumer complaint received 2022-07-20
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. (CA)

This is my 5th Complaint informing the Credit Bureaus that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXXXXXX Balance Owed : {$440.00} XXXX  XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy XXXX