davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( XXXX XXXX XXXX, CAPITAL ONE BANK USA, XXXX XXXX XXXX XXXX, and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX  XXXX method of verification ; because I dont believe the investigation Is being conducted in good faith. XXXX XXXX XXXX - ( {$2600.00} ) CAPITAL ONE BANK USA - ( {$1500.00} ) XXXX XXXX XXXX - ( {$650.00} ) Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-06-21
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: Persolve, LLC - Legal - Series 2 (IL)

On credit report Acct XXXX Dept amount {$10000.00} or {$8700.00} address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Phone # XXXX Unsure what this company is and why this is on my credit report
Consumer complaint received 2019-06-06
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. (ID)

AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.

IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.

XXXXXXXXXXXXXXXXXXXX;XXXXXXXXXXXX(OriginalCreditor:XXXXXXXXXXXXXXXX)XXXX;
Consumer complaint received 2020-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: N26 Inc. (MA)

I have a XXXX account. When you try to find contact information in the app it shows an error, and it directs you to the self service menu. In that menu there is an option to close an account, but when you click on it only shows the process for a few seconds and then redirects you to the main help menu. It appears as a disingenuous trick to not let you figure out how to close the account.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have submitted these disputes directly to Equifax and received the attached confirmations. For good measure, I am submitting them to you for follow up. It appears a few of the items have been deleted ( I will not name them each here ) but perhaps there is a delay for some of them. Thanks in advance.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Description of the Issue : I am submitting this complaint regarding outdated and incorrect personal information that remains on my credit reports with XXXX, XXXX, and Equifax despite my formal disputes. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate and up-to-date personal information, yet my reports still contain incorrect addresses, phone numbers, and employer details. 

In each case, I formally requested that only the following current personal information be kept on file : Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX I submitted the following letters to correct these errors : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Letter dated XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Letter dated XX/XX/XXXX ) Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Letter dated XX/XX/XXXX ) These letters requested the removal of all previous addresses, outdated employer information, and old phone numbers, except for the current information listed above. However, the errors remain unresolved. Maintaining inaccurate personal information violates my rights under 15 U.S.C. 1681i, which gives consumers the right to dispute incorrect information and ensures prompt corrections.
Consumer complaint received 2020-06-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Account Info Reference Number XXXX Court US BKPT CT DE XXXX i disputed this account requesting THE VALIDATION to this account and all document that the CREDIT BUREAUS have to send me to validated this account. i never received any document from the credit bureaus. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.
Consumer complaint received 2020-06-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Account Info Reference Number XXXX Court US BKPT CT DE XXXX i disputed this account requesting THE VALIDATION to this account and all document that the CREDIT BUREAUS have to send me to validated this account. i never received any document from the credit bureaus. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (CA)

Hello Dear CFPB I have XXXX Reward with Barclays Company since XX/XX/2013 and with limit XXXX and wanted to have credit limit increase but was turned down which is very unfair in my opinion because i have great credit almost no debt base on XXXX  XXXX and XXXX XXXX. I do not want to put charges on my card because i will max out my card. I spoke with manager. XXXX Employee Id number XXXX and also was truned down. I want to use card and earn rewards.
Consumer complaint received 2019-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CHALLENGE FINANCIAL SERVICES (GA)

I have been financing a XXXX  XXXX XXXX that was involved in a lemon law case the car insterest Im being charge is extremely high and amount due does not match the car value I was sold this car without knowing it had issues with oil consumption and have been having issues since
Consumer complaint received 2022-06-30
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Incorrect name and addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-09
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/2021 I reported 3 charges with my Chase Bank from my account withdrawals concerning XXXX. 

XX/XX/2021 : {$300.00} XX/XX/2021 : {$300.00} XX/XX/2021 : {$600.00} We were purchasing a dog from a breeder, but we unfortunately do not have the dog and the company we were speaking with does not respond to us, nor can we contact them via phone. They will not answer calls, texts, no correspondence. I had disputed the charges with Chase Bank on XX/XX/2021. They gave me a sheet to fill out, but when I went into the bank on XX/XX/2021 to turn in documentation and the sheet, they just asked for the sheet. They have not once asked for any documentation from me. Just the initial sheet. This morning I woke up to a letter in my statement saying the charges are authorized and they are taking {$1200.00} out of my account. 

1. I do not have a product that money was taken for.

2. Chase bank did not request any documentation on my behalf to prove the product was not received. I have been banking with Chase for over 10 years and this is how they protect their clients.

3. Chase bank did an investigation with no documentation given back to me about any information. They have nothing to show me, just that they are not helping me with the transactions basically. 
I have called Chase bank at XXXX today XXXX, I am speaking with a XXXX who told me to file a dispute with XXXX. He then told me, they are no longer looking into the issue and that I need to contact the merchant. WE CAN'T CONTACT THE MERCHANT.. they DO NOT respond to us!!! We were scammed, while I understand this was not a smart move on my part to send money to someone via XXXX ; if I have the documentation, why is my bank NOT protecting me? 
I have asked to speak to a manager, I spoke to Barbie ( like the doll she told me ). Then I was told that Chase bank does not have a dispute process for this. They are not protecting my ACH payment. They are saying that I am not protected.
Consumer complaint received 2020-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (IA)

I opened a Wells Fargo Everyday Checking account on XX/XX/2020 through a promotional offer by Wells Fargo. the promotion said Wells Fargo is offering a bonus of {$400.00} when you open a new checking account and complete the following requirements : Set up a direct deposit and receive a cumulative total of {$4000.00} in qualifying direct deposits over the course of the first 3 months. I met all these requirements in the first 3 month. however Wells Fargo closed my account on XX/XX/XXXX without any warning and refused to pay {$400.00} bonus. I called my local wells fargo branch and wells fargo customer service ( XXXX ), however they still refused to pay {$400.00} bonus although they confirmed I met all requirements.
Consumer complaint received 2020-06-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account Info Reference Number XXXX Court US BKPT CT DE XXXX i disputed this account requesting THE VALIDATION to this account and all document that the CREDIT BUREAUS have to send me to validated this account. i never received any document from the credit bureaus. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc. (NJ)

We have a revolut checking account from which we make regular recurring payments. Last month payments stopped working. Over 10 attempts failed. For 23 days we can not make a payment. 36 customer support specialists repeat the same message- they are waiting to hear from IT. The same payment works from another revolut account. We informed them About that but it seems they can not resolve it. We are incurring penalties and other losses due to this. 

XXXX XXXX XXXX
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020, we reported to Experian credit bureau that my balance on my Visa account was not {$15000.00} USD, but the right amount was {$850.00} USD, what they did later was Experian deleted my Visa account in order to decrease my Credit score by about 100 points. They are doing this Maneuver to many people as we read on the Webside. Thank you for your help. We hope someone can stop this injustice of this major credit bureau.
Consumer complaint received 2020-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (PA)

Honda Financial services is who I have my loan with and back in XXXX when I lost my employment and housing and all income i communicated with them continously through email because I did not have a phone for months. They continue to charge late fees, interest, and never offered me assistance because I was told they could not offer help thru email only on the phone or thru your account but my online account was already disabled by them so I couldn't apply. They said I had to pay two months in order to get them to extend the other months past due to the end of my loan. I had no job and could not do so. Now my loan has been charged off and I've been trying to pay the past due balance but they now want the full loan amount like to buy my car from the company who paid the loan off. Its {$29000.00} they haven't returned my emails or calls. Starting from XXXX I've contacted them thru email and through XXXX and have all the correspondences. I've explained I did not have a phone because I was unable to afford one at the time. Told them I'd be starting a new job and would be able to make payments once I get an income coming in.
Consumer complaint received 2021-01-30
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. (TX)

I sent in a follow up to my original 609 letter dated XX/XX/2020 regarding an inaccuracy in your credit reporting. This was done on XX/XX/2020 Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : invalid and inaccurate Inquiries : XXXX ran an unauthorized credit inquiry on me on XX/XX/2020. 

XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2020. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I have suffered damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. I have contacted the Federal Trade Commission and advise them of your companys blatant disregard for consumer protection laws. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : I have enclosed documented proof that you did not respond in time. Please see the attachments.
Consumer complaint received 2020-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

I was checking on my credit score and accuracies on XXXX XXXX XX/XX/XXXX when I saw a derogatory remark from Convergent Outsourcing, inc saying I have a debt with XXXX for the amount {$2200.00} listed XX/XX/XXXX, XX/XX/XXXXand they said I disputed this, this is a false claim I have not talked with Convergent or heard from them or XXXX, the amount is false as the account was closed. 

It is listed that last payment on XXXX  was XX/XX/XXXX, this is a false statement. I canceled my XXXX account on or aroundXX/XX/XXXX and returned all equipment. I have not had an account with XXXX since then. 

How can anyone get a residential bill for {$2200.00} from a utility company without getting turned off for being past due for one maybe two months? 

This is nothing more than a corporate Shake down and extortion from XXXX and Convergent Outsourcing. 

I do not have records for this account with XXXX as it has been closed for almost 7 years. I have not lived at the address the account was associated with for five years.
Consumer complaint received 2019-07-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I mailed in a credit investigation request to the credit bureaus. By law, they are required to complete their investigations and respond with the result, within 30 days. As of today ( XX/XX/XXXX ), I have yet to receive my credit investigation results.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I am writing to dispute a billing error that was caused by Infinity Financial Services ( IFS ) which resulted in IFS reporting me with one 30 day late payment to the credit reporting services. This has repercussions for my credit score and pending financial transactions. 

I assumed an existing automobile lease from IFS is late XXXX. Subsequent to the lease assumption transaction closing, IFS did not send me a bill for my XXXX payment nor did they notify me in a timely fashion that the payment had not been made. Consequently, a single late payment in XX/XX/XXXX resulted from IFS 's billing error. 

As part of the lease contract assumption in XXXX/XX/XX/XXXX, I provided IFS with my complete email and mailing address. Per the Fair Credit Billing Act, I was to receive an account statement and bill on a monthly basis either electronically or by US Mail. However, IFS did not send a bill to me upon the transfer of the lease obligation. Instead, IFS sent the bill to the PREVIOUS contract holder because IFS failed to update their records in a timely fashion. When IFS did not receive payment in XXXX, they finally reached out to me by phone but not unitl the payment was 30 days overdue. I immediately paid the past due amount and IFS agreed to waive the late fee and not report the 30 day late payment as delinquent to the credit reporting agencies but IFS still reported me as delinquent to the credit reporting agencies despite their agent telling me that they would not do so becasue of their billing error.
Consumer complaint received 2020-06-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I mailed two rounds of letters to the three credit bureaus about incorrect information on my credit report. I sent letters on XX/XX/XXXX and still have yet to get a responds. It has been more then 30 days and no action has been taken.
Consumer complaint received 2020-06-21
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 (NY)

PayPal lies all the time. PayPal never returned my call. PayPal option " Have us call you '' is not working. PayPal lies and sas " limited employees due to virus '', but upon exhausting all option they state " No '' employees " no '' customer service '' " customer service is closed '' due to vrus.

PayPal Inc. refuses to let me have my {$500.00}. PayPal refuses to contact me.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I requested a verifiable proof of the attached account and validation of debt. Neither was ever provided and it has been over 35 days. I request these accounts be removed per the Fair Credit Act or provide the legal documents that binds me to this accounts. 

The credit agency will be held responsible for the these actions as the are one publishing this information without supporting documentation.