davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I, XXXX XXXX XXXX, am action on my own behalf and HAVE NOT hired a third party to settle this dispute. This dispute was not done in error. 

Let this be known to all that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done AL TEACHERS can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX  XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2021-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (TX)

XXXX came to my door and was trying to sell me home security. They promised products of certain qualities ( XXXX camera, water heater flood alarm, integrated smoke alarm ). I agreed and signed financing documents for the product. During installation, they didn't bring the agreed upon products. They said their salesman was new and to get what we talked about would be an upcharge. I was not interested in haggling and canceled the entire sales. The problem I am having is XXXX canceled everything and vacated my property with their equipment. I have all the documentation to support that statement. Their financing company called Fortiva refuses to cancel the loan and expects monthly payments for something which doesn't exist. The original agreement amount made with XXXX was {$1400.00} which they upcharge to {$1700.00} for the original agreement. After agreeing to the upcharge, they still failed to bring the required products. I got frustrated dealing with their bad sales practice and canceled the entire order. After canceling, a month or two later I see Fortiva on my credit report for {$4000.00}. My wife showed me that she also has a {$4000.00} loan from them on her credit report. They also refuse to speak with us and refuse to accept the cancelation documents provided by XXXX. I have reported it on my credit report and was denied two times with the supporting documents.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I paid {$3800.00} to my Chase Business Ink credit card to satisfy my statement balance, in addition to the outstanding charges to my account. The transaction was posted to my bank account on XX/XX/2022. Despite this, Chase refuses to apply the payment to my account until XX/XX/2022, almost a week after my payment was made and posted. 

I called Chase 's customer service number on XX/XX/2022 at XXXX PM EST and was informed by a customer service rep that I would be able to speak with the Payment department when it opened at 7 AM EST to get this issue resolved and have my payment applied promptly. When I called on the morning of XX/XX/2022, I encountered several rude customer service agents who gave me conflicting information. At one point, I was told that I have done nothing wrong but it is just an internal Chase policy to hold on to the funds for several days when an account is new. While I completely understand the need to verify the source of funds, Chase has been unreasonable in trying to resolve this issue. 

My Chase business account has been opened for the past three months and I have two bank accounts and a personal credit card with Chase, that have all been in good standing. I have never paid late and I have excellent credit. I have have spoken to my bank where the payment was posted and they offered to provide verification to Chase. However, Chase refuses to accept any form of verification from my bank that would expedite this process. 

I have been on hold for the past 40 minutes trying to speak to a supervisor and it appears no one will answer. 

As it stands, I have pending transactions that are about to be posted to my account and potentially declined because I do not have full access to my credit line. Chase has removed the money from my account for days at this point and refuses to give me access to it. 

Additionally, since this is a new account, there was an opening bonus offer. Chase has repeatedly done everything in its power to limit my use of this card, which I believe is directly related to preventing me from earning my new account bonus. In effect, if I can not charge anything to the card, then I can not meet the minimum spend in order to get this bonus. This is deceptive and fraudulent on Chase 's part.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2022-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (AR)

DEPTEDNELNET is reporting on my personal credit file with ( XXXX XXXX credit reporting agency XXXX This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
DEPTEDNELNET XXXX Balance : {$0.00} DEPTEDNELNET XXXX Balance : {$0.00} DEPTEDNELNET XXXX Balance : {$0.00} DEPTEDNELNET XXXX Balance : {$0.00}
Consumer complaint received 2022-09-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX  Account Number XXXX CFPB COMPLAINT XXXX TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my balance on XXXX  XX/XX/XXXX with my Capital One Checking account and saw that someone had used my debit card number to order {$850.00} worth of XXXX XXXX  and XXXX. I dont have an XXXX XXXX  account and my last XXXX order was in XXXX. Then saw that they used the card to buy fake hair extensions for {$580.00} from a company in XXXX. Totaling {$1400.00} stolen out of my account. This happened within two days. I called as soon as I saw the fraud and filed a report. Clearly this isnt normal. Instead, they denied my claim and said it was within my normal spending habits and I took to long to file a claim. Who spends over {$800.00} on food delivery in 2 days? With multiple transactions back to back all day long for two days. Capital One saw nothing wrong with this. Then a {$580.00} purchase for womens hair extensions in XXXX. Im a male with a buzzed head. Why would this be me? Or how. After they declined my claim, I called back to get information and re-opened the case with more researched facts that they could use. I had to investigate myself and find things for them. Emails, phone numbers, contacts. They just declined me again yesterday. Im in complete shock that a bank would do this to someone. Ive never filed a claim with them. That money was suppose to pay my rent and it was stolen and my bank is doing nothing to help me. They dont care that I was stolen from, as long as they dont have to help me.
Consumer complaint received 2022-07-22
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

This company MIDLAND FUNDING is trying to collect {$640.00} from me for a bill they claim I owe. 
I have sent a written demand that they comply with the Fair Dept Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' As of this date, they have ignored my requests for debt validation and has provided nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2021-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (PA)

When the CARES ACT was passed ; our current mortgage holder ; BSI Financial offered a COVID deferment opportunity. I was on a furlough salary reduction so my wife and I called, asked for the details, and then asked if we could apply. 

They told me that it would be for 6 months, interest-free, and in the end, we could pay the balance in full or have it added to the back end of the mortgage. 

We were good with those terms and asked if we could apply ; to which I was informed on the call that they didn't need any paperwork ; that it is automatically approved. I was told that they would reach out in XXXX to discuss the plans when the deferment was over. They did not.

We called multiple times in XXXX and eventually got someone on the phone. Our direct contact ( have had 4 different contacts ) never called back. They told us we had to refi with them for the balance of the outstanding debt XXXX XXXX XXXX, that we may not be approved, and that interest was accruing. 
We asked to start that process in XXXX of XXXX ' and have yet to get someone on the phone to update us on the status. 
We have made our full monthly payment in XXXX, XXXX, XXXX, and XXXX. 
We are trying to refi with a different company to get better rates and get our this servicer. 
They have refused to update the Verification of Mortgage to reflect our payments, indicate that we are on time ( says we have late payments ), and show a delinquent balance of the XXXX. 
We have called multiple times and asked for this to be updated but they don't change it. 
We can not refinance with another company until this is fixed and BSI won't call us back to fix the situation or refi it themselves so it is current.
Consumer complaint received 2024-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Neon Newco Corporation (TN)

On XX/XX/year> My funds were unauthorized transfers from my NetSpend account to someone else XXXX XXXX  account for the amount of XXXX without my acknowledge. I was going through a challenging situation at that time. On the month of XXXX I contacted NetSpend to file a dispute with the XXXX XXXX, NetSpend did receive my dispute and open a dispute for also, close my account as well. After the month of XXXX NetSpend sent me a check for XXXX in which that is not all of the dispute for my claim number for the amount of the dispute. NetSpend insist on improving part of my funds and sent me what they think I deserve. I call NetSpend to get the rest of my funds of XXXX NetSpend reopened the claim after I sent them the claim number for the amount of the dispute and they sent documents from the investigation on the dispute in which the names they have I have no acknowledgement of the person that made the unauthorized transfers. I haven't received any response yet about the reopening of my dispute.
Consumer complaint received 2022-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (AR)

XXXX is reporting on my personal credit file with ( XXXX XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX Balance : {$5900.00}
Consumer complaint received 2022-02-15
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. (AL)

There are fraud inquires that are listed on my credit report. My purse was snatched with all of my identification information in it. I have completed a police report & an FTC report and sent to you, but nothing has been updated. I am asking that this information be deleted.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WI)

I paid off my Wells Fargo credit card on XX/XX/2020. As of today XX/XX/2020, my balance is still being reported as over {$6000.00} to CRAs.
Consumer complaint received 2022-09-21
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-22
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. (MI)

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 the 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 4-5 months.
Consumer complaint received 2022-09-27
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: Credit Karma (VA)

I have late payments reported on my report thats causing me grief and hardships from getting a home for my family my information is being trafficked without my consent and its casing me embarrassment and unfairness, and I also have falsely been told Ive been pre approved for credit cards that I have been denied for.