davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payme
nt on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC (TX)

On XX/XX/21 I was contacted by a XXXX XXXX XXXX Their attempt was to collect on a debt that is past the statue of limitations in my state of Texas. The JXXXX XXXX XXXX is willing and knowing violating Section 16.004 of the Texas Civil Practices and Remedies Code that clearly and plainly states that the Statue of Limitations of Debt in Texas is 4 years. They are also violating Section 392.007 of the XXXX XXXX XXXX that clearly and plainly states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. The have failed to provide me the required notice and detailed in Texas Law. I have advised them of their violations and they continue to harassment me. I have sent them another notice to cease and desist as recently as XX/XX/21. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved.
Consumer complaint received 2021-09-15
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. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX XXXX would verify the debt. So I took it upon myself to ask XXXX XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2021-02-26
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. (TX)

I have contacted Equifax twice a month via us postal mail for the last past year with a dispute packet, police report, FTC affidavit, notarized documentation over incorrect student loans reporting due to fraud. This is hindering my life tremendously, I have contacted the furnisher by mail, please see attached documentation! These student loans were fraudulently submitted and not opened by myself, i am seeking help to get them deleted off my report! I have contacted law enforcement reporting the fraud, submitted notarized documents, and tried calling the credit bureau via phone but no resolution has been found. I am contacting the consumer financial protection bureau for assistance! 

Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX fraudulent loan accounts reporting on my Equifax report
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (TX)

House at XXXX XXXX XXXX XXXX TX was financed thru State Farm Bank. 
Mortgage in name of XXXX and XXXX XXXX, loan number XXXX XX/XX/2020 - House sold XXXX XXXX  XXXX, XXXX TX XXXX XX/XX/2020 - Actual date unknown. Received check for return of escrow dated XX/XX/2020 but sent to the XXXX XXXX  XXXX  address. Check issued in the name of XXXX XXXX and XXXX XXXX. XXXX XXXX was deceased. 
XX/XX/2020 - bank refused to cash check without signature of XXXX XXXX. 
XX/XX/2020 I went to State Farm office XXXX XXXX  XXXX XXXX # XXXX XXXX TX. Spoke with XXXX who made copies of XXXX death certificate, the check in question, XXXX will naming XXXX XXXX her sole beneficiary, and a change of address from the XXXX XXXX XXXX  XXXX TX address to XXXX XXXX XXXX XXXX TX XXXX. 
XX/XX/XXXX, XXXX I received letter dated XX/XX/2020 with USPS notification of change of address dated XX/XX/2020 with condolences and notification that XXXX XXXX was removed from the loan. ( The loan which was paid off at the sale on XX/XX/2020. ) The letter provided XXXX as a number to call for further questions. 
That number was called at least twice, likely three times, during this debacle. I left a message with a promise that I would be contacted within 24 hours. I am still waiting. 
XX/XX/2020 responded to above letter of XX/XX/XXXX, advising that they had copies of death certificate, advised new address again and requested re-issue of the check. 
XX/XX/2020 I received letter dated XX/XX/2020 ADDRESSED TO XXXX XXXX XXXX XXXX TEXAS XXXX. Not having the correct address of XXXX XXXX XXXX XXXX TX XXXX causes this correspondence to be severely delayed. This letter advised that they will respond WITHIN 30 days. Gave direct phone number XXXX which is a recording that doesnt produce return calls either. 
XX/XX/2020 -Responded to above letter reiterating comments of XX/XX/XXXX letter. Advised next letter would be to CFPB. 
XX/XX/2020 received letter dated XX/XX/2020 ( ADDRESSED TO XXXX XXXX XXXX XXXX TX AGAIN ) with notice that their review is taking longer and they would need additional time to furnish a response. They will provide a response within 15 BUSIESS DAYS - WHICH IS 21 CALENDAR DAYS ANOTHER THREE WEEKS. 
XX/XX/2020 4 months post sale I still do not have my escrow refund or any cognizant response other than form letters from State Farm Bank.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX is misreporting my transferred mortgage to Equifax. The mortgage was transferred to XXXX bank, which is reporting the account correctly. This error is hurting my credit and making it difficult to open new lines of credit.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Comenity bank is a fraud. I have 4 seperate store cards and can not make payments on any cards for over 2 weeks. Customer service does not answer, calls do not go answered, XXXX XXXX and emails are ignored. Absolutely fraud.
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Western-Shamrock Corporation (TX)

Western Finance XXXX continues to call even after I have informed her we are going through XXXX XXXX XXXX She called my work today and I asked again for her not to call me at work and she said she will continue to call until I pay this debt and she hung up on me. 

Western Finance XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2022-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, XXXX XXXX  ET, my wife received an email notification showing that there is a wire transfer of {$30000.00} going out from our joint saving account, and we also found out there are two more unauthorized withdrawals of {$8000.00} and {$3000.00}. So, we contacted the Chase customer service immediately to report these unauthorized transactions, the agent told us these were all done at the one branch with my ID presented at counter, and the agent was able to freeze the saving account at the time. We then headed to the Chase branch where those transaction were made, but when we got there, the banker told us since we already filed the claim, there's nothing they can do, so I only could have them to check my information on the system to see if that's my correct information, it turns out nothing matches, and the banker can't change it since the profile if frozen. 
But on XX/XX/2022, around XXXX XXXX ET, I saw a pending online transfer of {$14000.00} from the joint saving account, which suppose be frozen, to a checking account we do not recognize. So, we contacted the Chase customer services again, they said someone somehow unfreeze the account and open a checking account with my name and made the transfer. So, we filed another claim for {$14000.00}. 
On the next day, XX/XX/2022, we went to a Chase branch asked one of the bankers for help. The banker called the claim department and double check with the agent through the phone to make sure that involved accounts are frozen and no one can unfreeze the accounts until the investigation is completed and the banker also put a note on the account stating that multiple identifications are required at branch to make transaction after the accounts are unfreeze, since whoever did it has my XXXX driver license and ssn and was able to create online profile which are now frozen as well.
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My entire personal checking account was frozen by XXXX after a XXXX  Grant deposit on XX/XX/XXXX. It was for the EIDL Targeted XXXX. Prior to this recent deposit I had an EIDL loan of {$88000.00} on XX/XX/XXXX without any issues at all. At this point I don't know the precise amount of money that is frozen because I have zero access to the account. Online account and ATM card is locked as well. However, the amount frozen is around the neighborhood of {$250000.00}. 


When I learned that my account was frozen I immediately called the number given to me by Chase. My first attempt to call ( XX/XX/XXXX ) and was on hold for XXXX XXXX  before I was cut off. I tried again in a couple hours and was on hold for XXXX XXXX and XXXX XXXX. I was again disconnected without being able to speak with anyone. I will provide a screenshot of my call as it would seem unbelievable that Chase would have such a long hold time. 
I decided to visit my local Chase branch after not being able to get a hold of anyone. The branch manager informed me it was due to a recent XXXX deposit. The instructions on their computers was to provide proof that I was in business prior to XX/XX/XXXX. The Chase branch manager was able to contact someone at Chase Fraud Dept and they instructed me to prepare my XXXX 1040 Schedule C ( Profit and Loss ) and my XXXX loan documents and have the branch manager send it to the fraud department. My ID and ATM card was provided as well. I felt this was a fair request and was all done on XX/XX/XXXX and was instructed to come back next day to see if there is any update. 


I visited my local branch again on XX/XX/XXXX and my branch manager was able to contact the fraud department. We were informed that the documents have been received. However, the person at the XXXX XXXX department wanted EIN numbers and not my social security number on the returns. Prior to obtaining my XXXX EIDL Loan I had made sure that sole proprietorships without any employees can apply. My loan officer assured me that I could apply using my social security since I was a sole proprietor without any employees. My hard credit pulls from the XXXX were all done by my Social Security number. My tax returns on my business uses my social security and I'm listed as a sole proprietorship with the IRS. Many gig workers, independent contractors and sole proprietor qualified and received the loan. 


Since XXXX requires my EIN to be established before XX/XX/XXXX in order to unfreeze my account I'm out of options. Basically, filling for a XXXX today would not help. My loan docs and tax returns matches my bank account info. The tax return proves I was in business for the year of XXXX. This bank account is around XXXX XXXX XXXX as well and never have been frozen. 

Thank you for your time.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Needed a quick loan, so I reach out to a loan thing on the internet, filled out my information then the next day my account plus saving was gone! My bank want me to file a police report in Oder to reopen my case
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I bought a car radio on XX/XX/2020. I was told I was going to get a call when the part comes in to the shop. I did not receive a call in over two weeks. So I call the shop back and was told the part was in and to bring my vehicle in to get service. I was not able to bring the vehicle in two and half weeks after purchasing the product which I did not receive due to vacation and quarantine issues. In the meantime I travel back home to XXXX, Ga. Thereafter I called the merchant back to request for a refund in which the guy who service me stated I could dispute it with my bank. Four weeks later I called the merchant again and was told the guy who service me was fired and no longer working at the shop due o other unrelated issues.I notified the shop that I needed a refund in which he stated the refund will be issued by my bank. As of today I have not received a refund for the full payment of {$730.00}. The owner of the shop stated to me he is not certain if I received service or the product. In the meantime I received a letter from my bank stating MasterCard stated the product was shipped to me but the merchant never supplied a shipment receipt of the product. I rebuttal the decision with my bank in which I was told I could contact CFPB to assist with this matter since the merchant is not responding. I also made a complaint with the XXXX  in which the merchant never responded back neither complaint # XXXX.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

This is my second complaint regarding this company. XXXX XXXX XXXX who has sent this to XXXX XXXX XXXX XXXX, XXXX.. They are requesting me to pay XXXX to them regarding a Capital One Bank XXXX XXXX XXXX. Back in XXXX of 2020 I received correspondence from XXXX XXXX XXXX stating I owed them. I then responded XX/XX/2020 requesting them to provide proof bearing my signature showing I have or ever had some contractional obligation to their company. Their response was dated XXXX XXXX they could not find any records of me. I then receive a letter from XXXX XXXX dated XX/XX/XXXX. I explain that XXXX had 30 days by law to provide me with proof. And they failed. I then sent them my letters and asked to please comply with the laws. I also received a letter from Capital One Bank stating I no longer owe them anything. I now have received a summons from XXXX XXXX that was delivered to me XX/XX/2020. But was filed on XX/XX/2020 and received by the court XX/XX/2020. I feel this is retaliation because I filed a complaint with your company and the Attorney Generals office.
Consumer complaint received 2021-09-15
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 the consumer XXXX XXXX, have been a victim of Identity theft and have fraudulent/unauthorized accounts showing up on my consumer report that originated from identity theft. I do not have any knowledge of these accounts and my information apparently was in the XXXX data breach. I have been reaching out trying to get this cleared up but haven't made any progress, when talking to the companies and the consumer reporting agencies. 15 usc 1681c-2 states that consumer reporting agencies must block and remove accounts related to identity theft, I have included FTC reports showing the accounts originated from identity theft.
Consumer complaint received 2020-12-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Out of retaliation for previous complaints Experian has BLOCKED me from filing a dispute online. Further, any time I call Experian I am on long extensive holds at all hours of the day, greeted by incredibly rude representatives who refuse to answer a very simple question ; Why am I blocked from placing a online dispute. 
Experian has a file on me they received from stealing information with their website which does not inform consumers of the information they are exposing by using the Experian website. I am requesting the complete unredacted file Experian has collected on me.