davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
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: JPMORGAN CHASE & CO. (RI)

Chase bank will not refund our hotel stay in XXXX which we had no choice but to cancel due to Covid, we had no flight, it cancelled and we had an XXXX XXXX dept alert due to Covid We booked a 6 day stay in XXXX/hotel resort in XXXX for XX/XX/2020. As dates got closer we were in touch with XXXX to see if the flight was going to cancel due to Covid 19. They would not give any information. Finally a month before they canceled our flight, and all flights from the US to Iceland as they are part of the EU. They refunded our money 100 % through our booking agent. See Doc. I wrote to the Hotel but they wanted to hear none of it, saying our stay was non refundable??. In her/their letters to me they lied and mislead about what was going on, see Docs. They insisted they were open but flights from US cancelled ... ..banned as-it-were. She misled on Covid testing on the island, saying we could get ahead in US before leaving ... but that was wrong ... .she said tests in XXXX most likely free, but not sure but online it said $ XXXX, if you fail you have to quarantine for 2 weeks. Turns out you had to get a test there. But our flights were cancelled due to the pandemic. They wanted us to leave our money there and come back within a year, we declined. XXXX had just refunded our hotel in XXXX for XXXX XXXX for identical circumstances. They told us vendors are doing this to millions of people and its against the law. 

I had many phone calls with Chase and mailed them several documents of XXXX XXXX and hotel dialogue. They had many different people it seems working on this and seemingly lost the info. Then they gave me a final form to fill out and answer yes, no, why etc ... .all had nothing to do with our case??? Its clear they don't support consumers and favor with business ... .I got this impression every time I spoke with them. It seems all credit card companies are recognizing the Covid pandemic except them. 

The excuse Chase gave us is we didn't adhere to the cancellation policy??? I was in touch with the Hotel group many times. We travel a lot, 7 times last year. We also have {$5000.00} in flights to XXXX this XXXX and {$5000.00} in cruises. There is an international travel ban now into XXXX and could last pas XXXX. Is Chase going to continue in this vein and not support American consumers?? We don't need credit card companies like this in XXXX We will never book another vacation with them. Please resolve this. The disputed amount id {$670.00} see 10 page PDF that Chase mailed us against our favor XXXX XXXX Cardholder XXXX XXXX, Husband. I have handled all issues here XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-10
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. (NJ)

Equifax received an Official Identity Theft and Fraud Report that was filed with a Official Federal Agency in  charge of Enforcement. Equifax received the Identity Theft and Fraud Report via Certified Mail # XXXX in which certified was signed into Equifax possession on XX/XX/2020. 

This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a sworn notarized statement of my identity. Equifax is in violation of FCRA Section 605B ( A ) for the failure to block and suppress two of the Fraudulent Accounts From XXXX XXXX. Equifax is also in violation of FCRA Section 611 ( A ) ( 5 ) ( B ) ( ii ) for reinserting 2 deleted fraudulent accounts back onto my credit report without notifying me in writing within 5 business days prior to inserting deleted accounts that was deleted in XXXX. ( ie : report confirmation # XXXX ) Legal action will be filed in a Court of Law. Equifax must delete the 2 fraudulent XXXX XXXX accounts upon immediately receiving this complaint or Equifaxs Registered Agent will be served with Legal Process in 3 days from now
Consumer complaint received 2020-10-10
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 received a copy of my credit report and found the following item to be errors. Here as follows are items in error : 1. I have never been late with payments on this account. 
CAPITAL ONE Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
CAPITAL ONE Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

I keep sending request disputing letter to the Bureaus and no response. nor from Capital one.
Consumer complaint received 2022-12-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I the consumer and natural person, was denied credit by when I applied for an auto loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

I have already alerted them that they are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against due to the response I received. 

Capitol One is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of the company All actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 


Ive also noticed the inaccuracies myself in seeing my first name spelled completely different on both adverse action letters ive attached. Reference numbers are also on attachment
Consumer complaint received 2022-11-29
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: REDEMPTION FINANCIAL SERVICES LLC dba NATIONAL AUTO ACCEPTANCE (NC)

i asked XXXX to run my credit once, so that i can see what i was approved for. i was approved for XXXX vehicles. maximus shared my private information more than XXXX. they shared it with many financial institutions without my consent or permission causing hard hit to my credit report
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NV)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XX/XX/2020 National Credit Systems , Inc . 
XXXX : XXXX XXXX, Collection Representative XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Number XXXX Dear XXXX XXXX, This is my second letter to National Credit Systems , Inc. concerning an obligation to XXXX XXXX XXXX. My previous letter was dated XX/XX/2020, and was sent to National Credit Systems , Inc. via United States Postal Service ( USPS ) certified mail with a return receipt requested. As of Thursday, XX/XX/2020, I have not received that return receipt. 

In my letter, dated XX/XX/2020, I expressed that the first written correspondence I have received concerning this obligation was the letter from National Credit Systems , Inc. dated XX/XX/2020. I specifically requested that National Credit Systems , Inc. provide verification that this obligation was factual by providing me with the following information, in accordance with the Fair Debt Collection Practices Act ( FDCA ) ( Section 1692g ) : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

I also specifically stated that the debt should not be reported to the credit reporting agencies because I am disputing the obligation. 

Since I have not received neither the requested information nor any other written documentation from National Credit Systems Inc., I was dismayed to learn that this obligation has been reported to the credit reporting agencies since I am disputing the validity of it. Consequently, I am filing a complaint with the Consumer Financial Protection Bureau, the Federal Trade Commission, the state of Georgia Office of the Attorney General, the state of Georgia Department of Law Consumer Protection Division, the XXXX XXXX XXXX, and will be disputing the obligation with all three credit reporting agencies. 

I will reiterate that National Credit Systems , Inc. should contact me regarding this matter until the requested information is provided and the obligation verified. 

Thank you and be well. 
Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau Federal Trade Commission State of Georgia Office of the Attorney General, Consumer Protection Division State of Georgia Department of Law, Consumer Protection Division XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-03-19
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: AMERICAN EXPRESS COMPANY (MI)

Dear XXXX XXXX, Were currently reviewing your account- we may reduce your credit limit.

What this means As a responsible lender, were always monitoring our Card Members accounts. Based on what we know about your payment history and current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible credit limit reduction.

What you can do Make a payment towards your balance to maintain your current limit - we wont take the action stated above if you make a payment of {$1900.00} within three days of receiving this email.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

My Wells Fargo credit card that I barely use had an unpaid balance ( {$15.00} plus late fees = {$43.00} ). The account was paid as soon as I was notified and I also closed the account. Wells Fargo has now hit my credit report 3 times one with a XXXX balance entry despite the card being paid off and closed. I have contacted Wells Fargo multiple times and the problem continues.
Consumer complaint received 2020-07-09
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. (MI)

I am a victim of identity theft and the EQUIFAX data breach. I submitted the fraudulent account information, fraudulent names, and addresses that continue to appear on my credit reports to Equifax, XXXX, and XXXX  on more than one occasion, over the past few years, to be removed. They have not removed the inaccurate information. According to section 605B of the fair credit reporting act, the bureau 's should have removed these items of identity theft within 4 business days, but they have not. My most recent attempt to remove the false items was on XX/XX/2020.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Orchard Mortgage, LLC (CA)

I have been trying to sign off my refinance loan started with Loan Monkey. Signed final closing disclosure on XX/XX/XXXX with final close date to be today XX/XX/XXXX. Reached out to the title company myself several times and they still have not received closing documents from Loan Monkey. Reached out to Loan Monkey several times wanting update on my loan and why it is taking to long for docs to be transferred to title company. Getting run around. My loan expiration date is XX/XX/XXXX at this point do not think this is going to happen. 

I will need to start loan process all over again with another lender this may cost me points and additional appraisal fees.
Consumer complaint received 2023-04-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Company handed me a car I couldn't afford to pay back. I would consider this predatory lending. They didn't look at my income very wisely. The cars initial worth was XXXX $ and I end up paying upwards of XXXX $ after the high interests rates of 25 %. My car has been repossessed
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX My Address : Address, City, State Zip XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXRemove any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN isXXXX Remove any other numbers you may have on file!! 

Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data! 

These items are reported inaccurately : NAMES : XXXX XXXX XXXX XXXX XXXX XXXX Prior Residency : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Current Residency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XXXXXXXX XXXX XXXXXXXX CURRENT EMPLOYMENT XXXX XXXX PRIOR EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX Current Position XXXX XXXX Prior Position XXXX XXXX SSN XXXX XXXX
Consumer complaint received 2020-10-10
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. (IL)

Due to pandemic I was off work from XX/XX/XXXX to XXXX and car loan company offered customers to deferred payments so that was supposed to go on the end of my loan!! They gave me 2 months deferred and I paid one month to keep from getting behind due to COVID19!! The company has reported that I was late during COVID19 and they are not supposed to be doing that to customers!! All my payments show up on time until COVID19 hit my life and I have disputed the information but the company refuses to correct the late payments on my credit report!! I just dont think this is fair to me and other customers
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (TN)

I have a direct express card. My card is locked, I access my money. I called on XX/XX/XXXX talked to them did what they said, for 8 days no one has answered the phone. XXXX dollar on my card I can't get, my elec. and water shut off. Still can't get an answer from Direct express customer service.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

I received a bill today ( XX/XX/XXXX ) in the mail from a debt collector ( Convergent - XXXX ) telling me that i owe {$2100.00} associated with XXXX XXXX ( XXXX ). Apparently, someone that lived or was associated with property at XXXX XXXX XXXX. XXXX, Michigan used my identity to get electric at this address from XX/XX/XXXX to XX/XX/XXXX. What i can tell you that i never lived in the state of Michigan. I never stayed overnight in the state of Michigan and I NEVER authorized ANYONE to use my identity or my name, etc. to purchase anything from XXXX XXXX. I've NEVER had any agreement with XXXX XXXX ... I NEVER lived in their service area. My identity was stolen to gain these services from XXXX XXXX.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have submitted information to the CFPB, XXXX  and to the companies reporting negatively and inaccurate information on my credit file and I recently received information back from Experian saying that they verified the account and I would like to know how they did when the information you have on there is not only inaccurate, but the information does not line up. you're reporting different information and need to remove it before I submit this information to small claims court. 
Referencing the account from : I. XXXX XXXX XXXX I have submitted the following documents, none have been addressed and verified by XXXX  XXXX 
- QWR ( Qualified Written Request ), - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and -DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE I also showed the discrepancies in reported information. 
They need to remove it. 
XXXX. XXXX XXXX is also reporting different information and needs to be removed from my credit file. 
I showed the discrepancies in reported information. 
They need to remove it We're having the same issue with XXXX  and XXXX  XXXX.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (CA)

Today XX/XX/2020 I was made aware of a few accounts on my credit report that do not belong to me. The accounts are from these companies XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX   XXXX. I have never opened an account with any of these companies nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts. I do not have any written/verbal contract with these companies and I never allowed them to run my credit. I don't know who is responsible for opening these accounts without my authorization but I have already filed a police report in hopes of getting my name & credit reputation cleared.
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today XX/XX/2020 I was made aware of a few accounts on my credit report that do not belong to me. The accounts are from these companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX   XXXX. I have never opened an account with any of these companies nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts. I do not have any written/verbal contract with these companies and I never allowed them to run my credit. I don't know who is responsible for opening these accounts without my authorization but I have already filed a police report in hopes of getting my name & credit reputation cleared.