davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
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. (MA)

Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Chase is actively keeping me from making them investigate fraud. 

In XXXX, I mailed a check to my investment advisor and it was stolen in the mail, modified, signed by someone who is not the payee and then Chase bank paid out on the check. As soon as I discovered this, I called Chase. They transferred me to the claims department. They said that they had to mail me a form ( I could not get it any other way ) and return it. They told me that it would take months to do their investigation. So when I received it, I was surprised to see that the cover letter told me that my claim was closed until I filled out the form. I filled out the form, attached the requested documents, faxed and mailed it. 

Chase has refused to acknowledge receipt of my claim materials. I have tried to call twice, and the XXXX claims persons said they could not help. They would not offer an email, said that the number was right and said that they saw my claim number. They refused to give me their names and refused to give me an email to send it to. They told me to go into any Chase bank, talk to the manager, have the manager of a local bank fax it. They refused to give me any bank to go do, and just said " any bank ''. 

How do I get my claim received? Is this bad faith by Chase? Aren't they failing to investigate? Don't they know who cashed it and where? Why are they delaying their investigation? This claim should not be deemed closed at all -- I am actively trying to get their attention. Thank you for any help you can provide to get their attention. 

( p.s. I have attached a redacted set of documents with account numbers removed )
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

My husband and I have had a Capital One credit card for several years. Due to the COVID-19 State of Delaware mandates, non essential businesses were ordered closed on XX/XX/20 ... my husband is XXXX and the XXXX  he XXXX  and XXXX  was ordered to shut down indefinitely due to the crisis. We contacted our landlord, utility companies and creditors. We also have several credit cards that are used for personal and business purposes. The credit card companies, as a whole. have proactively waived late fees, and if customers needed to defer payments, took requests for payment deferrals due to COVID-19 related income interruptions ... all of our creditors were contacted by online request .... all except Capital One. Capital One only had customer service available by telephone. 
Following is our recent payment history and dates Late Charges were assessed XX/XX/XXXX pymt XX/XX/XXXX pymt XX/XX/XXXX LC  XX/XX/XXXX pymt XX/XX/XXXX LC   XX/XX/XXXX pymt We doubled up payment in XXXX only to be assessed Late Charge in XXXX & XXXX with payments only two days past due date. Capital One has provided no online service to request payment deferrals and no waiver of late fees despite widespread national and state unemployment and deferrals of foreclosures, repossessions and judgements due to COVID-19. Because Capital One makes it necessary to contact customer service by phone, I attempted on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and spent over two hours on hold. When I finally got through and spoke with a representative, the rep ( and her supervisor ) told me that I could not request a payment deferral because I called too close to the payment due date, and I could not request a late fee waiver since I was only an authorized user. Was told my husband would have to call back during the next billing cycle. That is absurd, and was purposedly designed to make it extremely inconvenient for customers to get relief. My husband is not good on the phone and would never be patient enough to hold and should be allowed to make requests online or via email, like all the major banks provide. Even though I explained how many times I already called and how much time spent on hold waiting for help, Capital One provided no further assistance. We have card accounts with XXXX  XXXX XXXX, XXXX, XXXX who all automatically waived late fees ( no request needed ) and had online service to request payment deferrals. I sent emails directly to the executives listed on Capital One website and never received any response.
Consumer complaint received 2021-12-04
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-07
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. (NV)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX AT XXXX XXXX APTS ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted disputes for an account that has been on my report since 2006 the bureaus refuse to remove the account. I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that aren't accurate and fraudulent accounts and inquiries school loans etc the bureaus refuse to properly investigate these accounts. This is a violation of my rights under FCRA laws.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion continues to update my credit report with incorrect balance information which is effecting me getting a job and finding housing i have paid off a balance in XXXX and one month it states its paid then the next month it reverts back to the old balance this is unacceptable and do to me missing out on job opportunities i am seeking counsel this agency refused to update even after several disputes i even contacted the credit card company whom states it should not reflect the incorrect balance transunion needs to be held accountable for there negligence
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX
Consumer complaint received 2023-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

Navient mistakenly reported a 1099-C for loan forgiveness on me in XXXX  and I was the cosigner on my son 's loan, not a co-borrower. They also sent one to my son who has since paid the taxes on the forgiveness. A cosigner is not viewed as a debtor according to Treasury Regulation 1.6050P-1 ( 7 ). This double reporting results in increased tax write-offs for them and the IRS gets to unknowingly double dip and collect from two individuals. This practice seems to be common as XXXX XXXX did the same thing and I will complete a separate complaint on them. This is fraudulent and most likely is now standard practice for these loan companies. The amount of loan forgiveness reported was {$8300.00}. I have contacted Navient several times by phone and talked to several individuals. Their records are disorganized as some of this loan information was in my son 's file and some in my file as I have a personal student loan with them. Each time I call I have to go through the whole scenario again. Once they understand the situation they always say another department or supervisor would have to help. After four months of dealing with this, I have sent a letter requesting a redacted 1099-C for XXXX  to be sent to the IRS. I feel the runaround I have been receiving is purposeful.
Consumer complaint received 2019-11-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: A-1 Premium Acceptance, Inc. (DE)

I have called them several times. I had a arrangement of XXXX and they took out XXXX from my bank account nobody will talk to me and they have taken more then I owed and I keep sending stop withdrawls they are not calling me back I don't know what to do. I am not even past my date of final payment yet.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-04
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. (FL)

I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company XXXX XXXX XXXX and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have mailed letters to XXXX, Experian, and XXXX several different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that once the consumer states the account is not theirs it is to be removed. Also valid proof of the account ownership is to be given as well. A 3rd party company can not speak for a person or consumer so responding with a automated response is violating the law. I noticed some added addresses not associated with me that popped up on my credit report and a late payment that surely never happened on my XXXX account.
Consumer complaint received 2021-10-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Received a call from a Representative of Credit Acceptance. After identifying myself I explained to the representative that I understand that I am still a month behind on payments due to having to replace the catalytic converter on the vehicle one week after purchasing the vehicle three weeks before I was able to make my First payment. I explained to both the dealership and credit acceptance of the situation the dealership did a very bad repair that was very unsafe. 

This situation goes way beyond the reason for this complaint. Due to my sever XXXX  XXXX  and XXXX  the call I received from there representative has triggered my XXXX  XXXX  I am unable to care for my children when I am XXXX  injured. The agent began to threaten and harass me of continued calls. She began to scream and cuss at me. I do not believe that she should never talk to anyone like this. I am requesting to never receive any communications from that representative. I understand that they need to make calls but they should not be allowed to make threats and harass customers at the same time.
Consumer complaint received 2021-11-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (OR)

I called in on the evening of the XXXX shared with Crypto.com that it looks like my bank card got deducted 4 times and I only deposited twice on the XXXX of XXXX to start my account. They will not let anyone call in only chat to talk about accounts now They said they would contact me back in the morning with and update. I wake up to your account has been terminated and we have the right to do this and do not have to explain why. I tried to find out the reason. I even told them in my chat I had talked with my bank and never tried to stop payment on 2 deposits, that my bank said all looked good and there was not 4 deducts it only looked like because they were pending at midnight. 

I have pics of my chats explaining and my account was still terminated NO chances to talk with anyone and now I have been told I have no access to my wallet to remove my funds. I even asked what happened if I had a million dollars in my account do you get to keep it and then no comment, This is so disheartening it makes me sick in my stomach. 
Can anyone help me talk to someone about getting my account back open or at least get my funds back. I do not have much money to be doing this. 
The app is very user friendly I like it a lot and I had 3 more friends that were going to download but not now they are freaking out like me, if they can just terminate an account for any reason and keep the funds, That is scary. I have all chat pics Please help if you have any ideas.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I do not owe XXXX for the mortgage on my credit. My mortgage is released ( see enclosed ). I have never been late or delinquent in any way. Please remove the item pending a thorough investigation. 

XXXX XXXX XXXX  XXXX inaccurate
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (IA)

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH ABILITY RECOVERY SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

I have a store credit card from childrens place I have had for years I rarely use so I usually have a XXXX balance. So knew something was wrong when I got mail from them last week. With two charges, on XX/XX/22 Purchase for XXXX and on XX/XX/22 a purchase for XXXX. 
I immediately called childrens place and they transferred me to comenity bank, they claim they will do an investigation and send me something in the mail. I havent received anything from them. Then I checked complaints online, apparently Im not the only account that has gotten charged without my knowledge. And I waited for an hour just to speak to someone on the phone I have called 3 times. They cant tell me where my card was used or what was bought.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX  account # XXXX ( there are 4 of these accounts ) XXXX XXXX account # XXXX ( there are 2 of these accounts ) XXXX XXXX account # 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 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2021-12-08
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: Freedom Mortgage Company (CO)

In XXXX of 2021, I went into this companies web Site and made a regular monthly mortgage payment plus an additional principal payment as I had done the months before. In XXXX I went into their Web site and discovered that only the additional principal payment had been taken from my bank account. In that same month I received a refund check from the mortgage company. I was confused. I contacted the company. They removed the late charge, I made the regular payment amount which made the payment current and then a couple of days later I made the payment for the current month also. So both months were current as soon as the problem was discovered. 
We had not had this account for very long and the company had stated that our payment was going to be changing so I had not set up automatic payment at this time. When I realized what had happened I contacted the company right away, I was told I received an email. I had not. I had not even had the opportunity to balance my check book to see that the full amount had not been taken out of my bank account. I sent a dispute to the company and got a reply that all payments were current. I assumed they had adjusted my credit score. I was wrong. We just went to apply for a new loan and were told because of this one payment showing 30 days past due I was going to have to pay a large down payment and would be getting a larger than expected interest rate. 

I was shocked. I have never missed a mortgage payment. I could not beleive that because of some glitch in the payment window, that would allow me to make an added payment amount without making the regular payment, could even happen without some kind of a warning, would cost me this amount of grief. When we signed on this new VA loan we were told we could not make a partial payment, well, who would have thought their web site would even accept a {$45.00} payment, the web site took the payment and stuck it into a suspense file, no warning or anything. As I stated, had I received a warning, at that point, I would have been able to correct the problem, but their web site took a lower than minimum payment, apparently, or there was some kind of a glitch in the transmission of the payment.