davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

I received a supplemental tax bill from the XXXX of XXXX, MA. Right after I received the bill, I contacted my then servicer XXXX XXXX to ask if they would pay the bill or if I needed to. They got back to me saying that they will ( I have the the emails ). Subsequently, XXXX XXXX sold the loan to Chase. I recently noticed that the supplemental bill hadn't been paid, and I had now accrued a {$55.00} penalty and interest for late payment. I reached out to Chase, explained the situation and said that they should pay out of my escrow since I was promised that by XXXX XXXX. Had XXXX XXXX told me they would not pay, I would have paid on time. I also told Chase that Chase should pay the late fees since it was not my fault and the fault lay with them. Chase did not review all communication and promises made between XXXX XXXX and me. So this is negligence on the part of Chase. Had Chase told me when they bought the loan that they will either not pay or will take the interest out from my escrow I would have solved it with the city or the city of XXXX, MA. But now the money is out of my account. This is malpractice and negligence on the part of Chase. I also called asked to talk to a supervisor and was told I will be called back. But no one called me back. I want chase to refund to my escrow account the money they paid for the late fees.
Consumer complaint received 2021-08-09
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. (CA)

XX/XX/2021 To Whom It May Concern, Over 45 days agoXXXX wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : 1. The following account is not mine U S DEPT OF ED/XXXX/XXXX  This is not mine. 
2. The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX XXXX  XXXX XXXX XXXX This is not mine. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-06-09
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. (TX)

I have begged, written and disputed, with Equifax to remove the fraudulent account From XXXX currently reporting, and in fact REINSERTED. I provided all the requested documents in regards to the FACTA AMENDMENTS to the FCRA for blocking. I specifically said I was not disputing the information was fraudulent and you had blocked it and then you incorrectly split my file and REINSERTED. They're unwilling to own up and rectify the mistake. Despite the sea of proof that is retained when I originally had complained to the CFPB. Additionally, the ftc requires them under federal law to block within 4 days, they have the audacity to continue to break it despite having the most treasonous data breach that also resulted in the multiple of executives charged criminally by the United States Department of Justice. Does this company ever follow the law it's becoming increasingly obvious that it believe it doesn't have to. I demand they remove the account, they've also refused to send me a copy of my report despite the dispute! And request to block
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-12-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-08
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: EQUIFAX, INC. (SC)

Submitted a dispute online via XXXX upload. I faxed in the same disputed to Equifax and I mailed one to XXXX. I tried the online and fax method thinking it would be quicker to get viewed, I wasn't able to set up my XXXX account info so I mailed it in. Its been more that 30 days, I called each bureaus and to my surprise, found out that each agency outsources their inbound calls to call centers around the world. I am not opposed to saving money so I understand it, but so much information of consumers has already been leaked, hacked, exposed in breaches and sold online, I would think that Americans personal and financial information would be more secured. I am a victim of identity theft, I am trying to get several accounts removed from my credit report, most of these accounts were opened when I was away in the XXXX. I would like for the documents that I am attaching to be forwarded to the agencies for review and resolution.
Consumer complaint received 2020-10-23
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: U.S. BANCORP (MA)

I contacted US Bank about about a fraudulent attempt to acquire a credit card with my information. I informed them I have not applied to their company for credit and their fraud department assured the matter would be handled and it would not impact my credit. I received notice from my credit monitoring service of an inquiry made on my credit report after US Bank assured me no such inquiry would take place
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MO)

Navient : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX XXXX I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

XXXX XXXX  : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

XXXX : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XXXX  2018-XXXX 2019. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with Navient, XXXX, XXXX XXXX and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (WA)

I have an Ally XXXX account with Ally Bank. I also have checking and savings accounts XXXX which have not been a problem ). In XXXX, 2020, my online investment account was listed as " restricted '' with the message : " We can't show these accounts right now. 
Were working to have things back up as soon as possible. Try again later. ". When I tried to access my investment account statements, they had disappeared and were replaced with, " Your account has been restricted. To find out why we restricted your account, call us at XXXX. ". I have called this number regularly since XX/XX/2020 XXXX nearly a year ), and have been on hold for hours each time without ever getting through. I have used the Ally XXXX chat function, but no one has ever been able to give me any answers as to why my account is restricted or how to fix this, other than to call the generic call line number given above. I am concerned that I have had no access, and no statements for my money for nearly a year, and have not been able to contact anyone by phone after at least 40 hours of being on hold over nearly a year. Ally XXXX by chat have been unable to provide me with any other phone number or contact information to solve this problem.
Consumer complaint received 2021-04-28
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: EQUIFAX, INC. (OH)

I finished paying my XXXX  XXXX credit card off XX/XX/2020 and unbeknownst to me they were charging me a $ XXXX monthly fee and due to the devastation of COVID 19 I lost many family members and I wasnt keeping up with any email correspondences although I did not receive any calls from them. After 4 months upon checking my old emails I saw that Id been charged {$1.00} for 4 consecutive months and now had a past due amount that was a space of delinquency, I Paid it immediately upon my knowledge of the charges and The company still reported my account to the credit agencies and Ive since sent letters and lost many points without any resolutions or communication from first premier. Please help these late payments need to be removed. The company failed to contact me via phone which is my preferred contact method to let me know about the reoccurring charges. During these times I expected more compassion for a company Ive never been late on and have been loyal to for 20+ years.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/2022 I reported a public record that they were not able to give proof of how they obtained the record. I have sent a document to them via mail and as well as uploading it to their website.
Consumer complaint received 2023-03-04
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 — Their investigation did not fix an error on your report
Company: Self Financial Inc. (NY)

Repetitive payment history continues to be displayed as inaccurately reporting on numerous accounts I have reached out to self with no deletion There's ( 3 ) days ( 2 ) 60 days, then a closed account after payment. I would think this would be a good reason to dispute because it's inaccurate. You can only be 60 days, 90 days, or 180 days late once in a row I want all self lender accounts removed from all three credit bureaus immediately
Consumer complaint received 2019-06-08
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. (GA)

XXXX, XXXX and Equifax failed to address the letter sent by XXXX XXXX, XXXX XXXX, Office of the Chairman, stating that the bank misplaced my documentation for more than six mos. Thus, delaying the closing of the sale on the property and damaging my credit score greatly, denying my ability to obtain credit. 
The matter was not resolved. The money was repaid in full. 
The credit bureau failed to remove derogatory remarks as requested. 
The credit bureaus failed to address the issue and resolve the dispute as it should based on information provided by XXXX XXXX  and the consumer. 
I demand that the derogatory remarks be removed no later than XX/XX/2019.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

MY XXXX DIED ON XXXX AND APPOINTED MY EXECUTOR AND NTIFING  ALL BUREAUS OF THIS MATTER! XXXX XXXX XXXX, DIED XXXX. SEE ATTCHED LEGAL DOCS.
Consumer complaint received 2019-06-08
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. (SC)

Equifax continues to report fradugelent information on my credit report after I have provided with proof of a police report & identity theft report that these accounts do not belong to me. I have no knowledge of these account or give anyone permission to open these accounts in my name. The following accounts XXXX Servicing, XXXX ( listed two times ), XXXX, XXXX XXXX, XXXX   do not belong to me. They are also reporting names that I told them are incorrect. My name is XXXX XXXX that is how my name should be on my credit repport. I have never lived at XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX XXXX XXXX These inquires that are being report I never gave anyone permission to access my credit or review it for the following companies 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 2019-06-08
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: BARCLAYS BANK DELAWARE (MD)

XXXX, XXXX XXXX, BARCLAYS, XXXX, I sent a LEGAL Notarized affidavit disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), to Provide physical verification of the original signed consumer contract. I demanded to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal
Consumer complaint received 2020-12-07
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. (OK)

I sent a dispute letter into both Equifax and XXXX  on XXXX/XXXX/20. I disputed several inaccuracies and asked for the companies to update. Both Equifax and XXXX  have not responded to my letter and its now XXXX/XXXX/20.
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXXXXXX XXXX XXXX  Account Number : XXXX Bal : {$310.00} 3. XXXX XXXX XXXX XXXX  Account Number : XXXX Bal {$5300.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2019-06-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: St.John Cobb Inc (NC)

There is an item from XXXX XXXX XXXX XXXX, a collection agency that hit my credit report on Saturday XX/XX/2019 today and the office is not taking my calls. Someone is there because it is dated today. I just moved into this town. That may have been a mistake and I believe someone is intentionally trying to ruin my credit. This should not be on my credit report and is not a valid debt as it reports a XXXX balance and was not previously reported. It needs to be removed and blocked and the company is not taking calls on the issue. Someone was there to help me because it literally just posted today. 

My guess is that this company collects for the community I moved into last month. The collection agency is in the same town as my community. The community manager is not aware that I saw that my apartment went onto the market after I failed to pay my rent on XX/XX/2019. I paid it on the XXXX having utilized the grace period. They took the apartment off the market on XXXX after discovering that I paid the rent the day before. I have no idea if the community manager was spawned by the XXXX and a lying XXXX at the time, but she did all she could to hold me up from getting into this apartment. They recently left a card on my door with their core values which included serving the TEAM first. Shouldn't they be serving residents?? This was a personal message that they will back one another at all costs. Other residents have encouraged me telling that she will always do what she has to to feel like I am beneath her. It was the nicest way of calling her XXXX without saying the word I guess. I've seen so much come out of her that I can't put it passed her to get a head start on sending me to their debt collection agency prematurely sure of herself that I was not going to have my rent for XXXX on time. I need this company removed and blocked from my credit report until I am done legally following through on all matters accordingly. This is fraudulent.