davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
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. (IA)

This is a new complaint relating to previous complaint # XXXX. I spoke with a CFPB representative and they advised me to mention that this is not a duplicate complaint and pertains to a new request on my part.The company claims the following : " When you initiated your dispute online on XX/XX/2020, we placed temporary credits for the charges on your account. We then mailed you the enclosed letter dated XX/XX/2020, explaining the next steps while we researched your dispute. 
We received a response from the merchant that included a signed invoice and that services were provided. We mailed this information to you in the enclosed letter dated XX/XX/2020, which explained to continue your dispute we needed additional information by XX/XX/2020. We did not receive a response to our letter. As a result, we considered the charges valid and the disputed amounts would be included on your next statement. We mailed this information to you in the enclosed letter dated XX/XX/2020. You provided additional documentation which explained you received partial services. For this reason, we can not continue your dispute with the merchant. We mailed you the enclosed letters dated XX/XX/2020, and XX/XX/2020, explaining the charges would remain valid. We can not reopen the dispute because too much time has passed. Please work with the merchant directly or seek other options outside the disputes process. '' I only received the letters on XX/XX/XXXX and XX/XX/XXXX. I have requested from Chase that they provide me tracking numbers and copies of the letters sent as I did not receive any of these letters. I only became aware that the merchant had rebilled the dispute on XX/XX/XXXX and due to shortstaffing on the weekends was unable to contact Chase directly about this issue until XX/XX/XXXX. If I had received these letters I would have acted on it immediately as I did when I became aware on the XXXX when using the Chase Visa website and looking at my account. The fact that so much time elapsed with the merchant 's rebilling and my being unaware of it is due to incompetence on the part of Chase and not inactivity on my part. I believe that due to this Chase 's justification that they can not reopen the dispute due to too much time passing is invalid and that the case should be re investigated.
Consumer complaint received 2021-04-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (FL)

WellFargo contacted my work number in which I advised them previously I am not allowed calls at work. The representative acknowledged the number was flagged as a number not allowed to be called and when questioned about why did she call my work, the representative disconnected the call. This call was received on XX/XX/XXXX at XXXX XXXX  A call was placed to my husband who is not on the account on XX/XX/XXXX at XXXX stating the company was unable to reach me which is inaccurate. This feels very harassing as this company called me on a number Im not allowed calls on and have told them this previously and then move forward with calling references within days of contact with me. If the representative that spoke with me on XX/XX/XXXX would not have hung up she could have obtained a new number. When I asked Wells about the XX/XX/XXXX call I was advised it not documented however I have a log of the call on my employers call log.
Consumer complaint received 2022-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I have disputed this issue pertaining to my payment and XXXX still has not fixed the issue. XXXX  fails to update my mortgage payments on my NationStar.I have requested /disputed that update all of my unreported payments and they still have not which give me incorrect credit scores. during their monthy reporting of XX/XX/XXXX they only increased my score by XXXX point when they have over of 60 updates that they failed to update. They show a correct balance but the payments doesn't reflect on the grid. I am missing updates from XXXX - XX/XX/20XXXX XXXX
Consumer complaint received 2020-07-01
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. (TX)

I had a debt canceled by the creditor, I was issued a form 1099-C as verification of canceled debt. Once the debt is canceled it can no longer be reported. I supplied a letter to Experian bureau along with with a copy of the above notice of cancelation from the creditor with all account numbers and information clearly visible. This was per my attorney 's advice and politely asked that they remove the canceled debt from my report. Additionally, with the information provided by my attorney, I cited in the letter legal context for why the information can no longer be displayed on my credit report. The Bureau responded that " Outcome - Processed '', nothing was done whatsoever to remediate the problem and remove the account from the report. Additionally, they state in the letter that was sent that one of 3 outcomes would happen, 'Deleted ', 'Updated ' or 'Remains '. They did not provide clear information what was done. I Provided legal documentation, federal law title, code and subsection, Along with the federally recognized cancelation document and they didn't remove the canceled account. instead the company did nothing but refresh information which caused my credit score to decrease, this is illegal. Further, I am resident of Texas and Texas law 20.06 of Title 2 Chapter 20 of the Texas  Business and Commerce Code ( 2002 ), protects consumers from punishment by credit bureaus for disputes and mandates that invalid, incorrect or misleading information promptly be removed from a residents credit report. Credit bureaus are not permitted to punish consumers when they dispute accounts on their credit profile. I have been polite, I have tried to work with the company and I only ask that they remove the canceled debt from my report. My attorney has advised me to indicate that if the CFPB is not able to assist with remediating this situation, we will pursue other avenues with the credit reporting bureau.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (IL)

I reviewed my credit report and the same accounts that I previously submitted a complaint about are still on my credit report. These accounst that are listed are fraudulent and does not belong to me. I have never filed for bankruptcy nor have I benefited from any of these accounts. I am a victim of identity theft so I am asking that this matter be resolved as soon as possible.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

In XXXX moved from XXXX fl due to divorce. I. systems listed it on my credit report when all bills to be paid by ex. I called them, XXXX had no record, IC had no validation and I disputed. They sold the debt so now instead of falling off on XXXX, they sold it again and date opened shows XXXX. I have called multiple times for proof of debt, charges etc and they have said they assumed debt and have nothing on file. They have shut me down at every turn. They are acting against Fair Debt Collection, purposefully fighting the wrong party and trying to harass me by dragging out date account opened ( XXXX only date I first noticed, now XXXX ). I want it removed. My credit is perfect except for them. Please help me. Im at wits end.
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo reached out to its mortgage customers at the start of the Pandemic and in a flick of a button deferred my two mortgages for 3 months AND that the payments would be moved to the end of the loan. Now I have started receiving messages to call them or go online and tell them how I want to catch up and my payments are showing past due on the online banking site. I have tried to call again and again. I have been on hold for 52, 55 minutes listening to a message every 30 seconds that someone would be available shortly to help me. At the 50 plus minutes mark, they disconnect the call and instruct the customer to call again later. 

Their promise was that these payments would be moved to the end of the loan and that is what I expect to happen NOW.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (IL)

I have submitted several complaints to this company about this issue. This account has been closed for two years now. The status they are reporting is charged-off bad debt. Someone, some person or representative of American Express with the authority to open and close accounts has been reopening this account and reporting it as 30-days late, then closing it. This activity on a closed account causes a fresh ding to my credit score every time some reopens the account and closes the account. I have credit monitoring and they have reported this information to me. I am attaching my evidence from the credit monitoring agency that American Express is reopening this account and reporting it as 30 days late, for XXXX and XXXX, 2020.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I applied for a store credit card. My credit was preciously frozen. I informed customer service I would unfreeze my credit and be back. I received a text via phone asking that I unfreeze my XXXX  to process the application. I was given a reference number via text ( XXXX ). I went to Best Buy and the associate was given a valid California ID., and I verified my information. On yearly income, i put XXXX... I can prove my income as XXXX XXXXXXXX XXXX XXXX XXXX XXXX.. The associate called a third party and I was placed on the phone with an employee from citicards which grants or denies credit. I was asked for a valid phone number so he could send a text to my phone.. He then went on to state that he couldnt text to my phone going on that it had to be a US number ... My number is area code XXXX which is XXXX XXXX I had received a text from that company so I knew he was lying to refuse me credit..My credit score is XXXX which is excellent!. I asked what was the problem..He stated that my social security might be stolen and I might be using a fake name... I asked for a manager and she just went along with the employee stating that they could not text my phone some type of code which is a lie because I received a reference number on my phone... It seems that they can not believe a XXXX man can have great credit and make XXXX XXXX a year! ..I was accused of stealing someone elses ID and social security number by the associate. I dont understand why the first Best Buy Associate would call a third party just because I am XXXX!. This is directly insulting and discriminatory! ..I showed the employee my ID!. I have an account with BEST BUY. I am highly upset about this situation!. I tried another way to verify my info. I offered to email them a copy of my ID. They lied and stated that they can not receive emails!. But when I got home, I got an email from them!. There was no reason to deny me credit and accuse me of stealing someones ID and or social security!.
Consumer complaint received 2023-05-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. PLEASE SEE THE ATTACHED REPORT FROM XXXX   WHICH CORRECTLY DOES NOT LIST THE XXXX XXXX XXXX ACCOUNT THAT IS NOT MINE. I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. I HAVE SENT DISPUTE LETTERS ON XXXX BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE NOTE THAT *ALL* NECESSARY ID VERIFICATION DOCUMENTS ARE ATTACHED HERE, AS THEY WERE THE FIRST TIME THIS COMPLAINT WAS FILED. MY SOCIAL SECURITY NUMBER IS XXXX. THIS WILL BE MY LAST ATTEMPT AT RESOLVING THIS MATTER VIA THE CFPB, AFTER WHICH I PLAN TO LITIGATE AGGRESSIVELY.
Consumer complaint received 2023-02-03
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Quicksilver Card I opened up a card as I wanted to take advantage of the balance transfer offer they gave me. I called in XXXX and gave them my information to pay off another credit card I have. After a few weeks, I noticed my old credit card was never paid off. 
I called Capital One to inquire, and upon talking, discovered they sent the check for the balance transfer to the wrong address. They advised me they would stop payment on the check and reverse everything, including fees assessed for the transfer. It is now XX/XX/XXXX, and I still have this balance on the CapitalOne card and my other card as well. I call every week or so and inquire and am always told it takes 1 to 2 billing cycles. Today I called, once again, as it is again the end of the billing cycle, and told no it will be reversed next billing cycle. I ask to speak to someone higher and the customer service rep sends me to their supervisor, who gives me the same explanation and says nobody is above them. So now I have a balance transfer on my card Capital One card for the past XXXX going on XXXX months that never even made it to the card I was paying off. Meanwhile I have payments due on money I never even received. Meanwhile I am forced to make payments on money I never even received! Capital One sent the payoff check to the wrong address and it never made it to the card I was trying to pay off with the Capital One card. So Now I have a balance of {$960000.00} on the Capital One and on the card I wanted them to pay off.! This is unacceptable that I have almost a {$10000.00} balance on the Capital One card that I never even received the money as well as {$10000.00} on the card I was trying to pay off. It is messing with my credit, my credit score as well as my mental health as I am stressed that I have this much outstanding credit on my credit report and am unable to get credit now as a result! This whole process started mid XX/XX/2022. There is absolutely NO reason this should take this long to clear up my account. If I dont get some satisfaction, I will be contacting a lawyer and also the XXXX XXXX XXXX . Im tired of being told different dates every single time I call in.. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-05
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: Grain Technology, Inc. (OR)

I have already reached out to Grain already on multi occasions. On XX/XX/2021 I told them that they do not have consent to report to my consumer report. They are in violation of FCRA. I already sent them a affidavit as well. And have called and emailed them. They stop reporting one month and then put the account and payment history back on my consumer report. Talked to agent and they said they will stop reporting to my consumer report because I have not given then consent. Consumer reporting is optional under federal law. Grain is taking advantage of me and benefitting from me. I am demanding that they stop reporting to the consumer report. 

They are violating FCRA 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

Today ( XXXX XXXX, 2022 ) Midland Credit has already called me twice. The only reason I believe it is for credit problems is because I XXXX  the company. They call me over and over, more than once a day usually. 
I have excellent credit and have never owed any money to any company. Perhaps they have me mixed up with someone else because I have no idea why they keep harassing me with phone calls. I have never answered any and always block the numbers. But they seem to have endless phone numbers to continue calling me. I always report it on the regular " Do not call registry '' to no avail. 
I hope you can take action that will stop this harassment. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2020-07-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I traded in a XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX in XXXX, NV around XXXX of XXXX. Now the XXXX loan was through capitol one and I received the full payoff amount so I could trade in this vehicle for my newer one and the full 10 day payoff was not submitted in time after i handed it over to XXXX XXXX XXXX XXXX. So I dont know if the check was lost between these two places or if one of the places decided to take their time to pay it off. However this was not my fault and I would love to have this negative remark off my credit because I was not late I gave the 10 day pay off it should have been taken care of and I should not have any late marks on my account for this account. Please take this negative remark off my credit account.
Consumer complaint received 2020-07-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates (OH)

The Company Lewis McDonnell & Associates a debt collection company located in XXXX, California has placed a collection account on my credit report for an item I have no knowledge of. I received an alert from XXXX that a change affected my credit report and when I checked I found the above company had done this. 

I received a phone call last month from the company above and the way they introduced themselves I thought they were a law office. They informed me that a legal court case had been filed against me and they had to serve me with court documents. I explained I was out of town and if they could email a copy of the papers so I could see what was going on. I gave them my email address and have NEVER received anything from this company. 

NOW I get a collections account placed on my credit report with no accountability of anything. My attorney, XXXX XXXX ( XXXX ) XXXX has informed me that these collection tactics are out of line. According to the Fair Debt Collection Act, these are illegal tactics. 

I have sent a Certified Letter via US mail service for VALIDATION of this account and also have asked this company to provide proof that they are licensed to perform collections in the state of Ohio. Also under the fair debt collection act, this collection account needs to be removed from all credit reporting agencies while being disputed. 

Also attached are several website addresses listing the multiple complaints against this company even with the XXXX XXXX XXXX and with a " C- '' credit rating.
Consumer complaint received 2023-05-27
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. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$440.00}