davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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. (GA)

Dear Sir/Madam, I am writing to dispute an inaccurate collection account on my credit report that is adversely affecting my credit score. The collection account in question belongs to XXXX XXXX XXXX Account number XXXX, which does not belong to me. I have never entered into any agreement with your company to provide any services that would result in a collection account on my credit report. 

Additionally, there are several other items on my credit report that I also want to dispute, including the following : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number 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. Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX  Account number XXXX I request that you thoroughly investigate these items and remove them from my credit report, as they are negatively impacting my creditworthiness and causing me difficulties in obtaining credit and loans. 

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate information on my credit report. I have attached supporting documentation and request that you consider it in your investigation. 

I urge you to take prompt action to correct these errors and provide me with written confirmation once these items have been removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, [ Your name and contact information ]
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX, a stranger broke into my hotel room, XXXX assaulted me, and stole my driver 's license, credit card, two debit cards, and prescription XXXX before he left. Before I became aware of my missing property, the man withdrew a total of {$10000.00} from my checking account with my debit card ( still have no idea how he got my PIN # XXXX. He did so in three separate transactions- one ATM withdrawal for {$800.00} XXXX right down the road from the hotel ), a branch withdrawal of {$7000.00}, followed by another branch withdrawal of {$2400.00}. Immediately upon knowledge of this ( on XX/XX/XXXX ), I called Chase and reported it. Claims dept. took the information regarding the ATM withdrawal but made me call the fraud dept. to report the branch withdrawals since, " These involved checks '' ( and the branch XXXX ultimately told me they were teller withdrawals taken out with my debit card and pin ). 

On XX/XX/XXXX, after continuous calls to Chase 's fraud dept. with no concrete update to my claim, I went into one of the branches the thief went to. There I was informed I had to sign an Affidavit of Unauthorized Signature and did so. I was never told by anyone at Chase that I had to sign this document or else I would have weeks ago. I attached my written police report statement as the police would not provide me with a report number until the investigation 's concluded. The police INCIDENT REPORT number is XXXX. THE NEXT DAY is when they finally sent me the letter to sign an affidavit, as it showed up in my account alerts/notices. XX/XX/XXXX, they approved my claim for the {$800.00} ATM transaction ( as a " one-time courtesy '' as I was told by Chase 's XXXX office ; she also told me that the ATM trans. was filed under Reg E and bank withdrawals processed under Reg CC. ) That same day, I called to confirm their receipt of my signed affidavit faxed by the branch XXXX, was told it takes about two business days to come through and to try back on Monday. On XX/XX/XXXX, I called again and was told they still haven't received my affidavit and to re-fax it. On XX/XX/XXXX, I re-faxed the affidavit and called the fraud dept. for confirmation ; customer service rep. told me that they already received the faxed affidavit on XX/XX/XXXX and my claim was denied due to lack of care in keeping my account guarded against theft by possibly having the PIN # written down ( which WAS NOT THE CASE ). I asked if I could see documentation of the investigation they performed and evidence as to how they came up with that decision but was denied access to any more information due to " the type of claim ''. I was NOT negligent of my account and if they want to hold me liable for this colossal transaction, the burden of proof lies with them.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

XXXX. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

XXXX. Capital One Balance {$490.00} Shows closed. I never opened this account. 

XXXX bank XXXX {$0.00} I never opened this account 4. XXXX XXXX XXXX {$0.00} I never opened this account 5. XXXX XXXX XXXX This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late. 

XXXX. XXXX funding Balance {$460.00} They claimed this account was collections for capital one. Again I never had any open account for capital one as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Consumer complaint received 2020-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was issued a credit card from this company with a {$12000.00} limit. I transitioned to using this card for everything, from daily purchases to paying my bills as a way to increase credit usage to no more than 30 % to help build my credit. And for a while it was working. Less than a year later, my credit limit was lowered from XXXX to just over {$4000.00}. At the time i had used somewhere int he neighborhood of over {$3000.00} on the card. This change brought my credit usage from less than 33 % to over 90 %. 

I immediately called the company to see what was going on and was told that the bank reviewed my credit and felt that my limit should be lowered based on my current credit file. This made 0 sense to me for 2 main reasons ... 1. I have never been late with a payment to them even to this day. 2. Every other CC i have was being increased at the time. I was informed that i could look at my credit report and see what might be wrong on there and dispute it, then send them a request to have my limit restored after i receive a result of the " wrong '' being corrected. 

6 months later, they did it again and lowered my limit from just over $ XXXX to {$3700.00} where it has been for over a year. My credit usage remained at a high percentage, as i transitioned from using the card to using cash and struggled to pay the balance as i had been before the limit was initially dropped. As i write this complaint today, i discovered that after working hard to make a sizable payment ( $ XXXX ) towards my balance, my credit limit has been reduced yet again from the {$3700.00} that i have been used to, to {$1700.00}. A week after the payment no less and during a global pandemic. 

I called again .... and was given the same information i was told more than a year ago when this first happened.
Consumer complaint received 2022-07-03
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. (NC)

Hello, Please be advised that you and the company ( XXXX ) are currently in violation of Section 4021 of The CARES Act by negativity reporting this adverse payment information. 

Please see the attached document provided by the CFPB in regards to this issue. 

Per The CARES Act ( Section 4021 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishes from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

I kindly request you remove this negative reporting information from the period XX/XX/2022, as this time frame falls within the protected time frame under Section 4021 and multiple calls, messages and chats were sent to you letting you know of my financial hardship due to COVID-19. Not only did you fail to provide me correspondence in response to my query, you also failed to notify me of the delay in payment after I was hospitalized due to XXXX. 


I have contacted you and the merchant regarding this violation and have not received a response regarding my complaint. 

I will be forced to take further action should you fail to update this information regarding the negative reporting during the protected time frame. 

Thank you, XXXX XXXX
Consumer complaint received 2022-07-20
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)

These Accounts don't belong to me. Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX # XXXX, Account XXXX  XXXX XXXX XXXX  XXXX, Account XXXX XXXX  XXXX XXXX and Account XXXX XXXX # XXXX.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I've been paying {$140.00} every month for PMI for years and want it taken off as the property value has increased to at least 78 % of the original value. According to the loan the PMI should automatically terminate when it reaches that level. It has not. I've called numerous times and no one answers all I get is voicemail loop that is endless! I've tried to log in to my account. Again, can't log in with my password. When I request a new password, I have never received it. Please help! Yes, I'm current on all my mortgage payments, never late.
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (NJ)

I submitted proof that the debt with XXXX/XXXX was satisfied and at XXXX balance and all 3 bureaus claim that they investigated and verified that there was still a balance. Even the creditor verified that they responded with XXXX balance but nobody wants to update. I WANT THIS DELETED AS IT IS NOW INCORRECTLY REPORTED BY ALL 3 BUREAUS!
Consumer complaint received 2021-03-31
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: BARCLAYS BANK DELAWARE (TX)

I have disputed a series of charges. The following are the amounts disputed along with their case ID numbers. 

{$1.00} XXXX {$4.00} XXXX {$51.00} XXXX I spoke to XXXX from XXXX who has an ID of XXXX. XXXX promised me on XX/XX/21 at XXXX XXXX CST by calling me from the number XXXX. He said that I would see a temporary credit within 3-4 business days. I also would not be expected to pay any interest on these charges while they were being disputed. He also stated that I didn't have to pay a payment on XX/XX/21 because my current statement balance only has these three temporary credits. I sent myself an email with these details immediately after the phone call in order to document this communication. 

Barclays failed to keep their promises to me. They failed to provide a temporary credit to me in the promised amount of time. They also failed to keep interest charges on the disputed amount from being added. I have enclosed a picture of my current balance, which shows that there was a {$0.00} interest charge added after my phone call. This was interest on the disputed amount. It was added despite the fact that I went above and beyond what was expected of me by paying my statement balance on time, even though it included the disputed amount and XXXX told me that I didn't have to pay it. I am attaching my recent card statement to demonstrate that I paid the statement balance. 


I spoke to a front line customer service representative on XX/XX/21 who refused to fix my issue.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Consumer complaint received 2022-07-08
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: Consumer Portfolio Services, Inc. (TN)

I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. CONSUMER PORTFOLIO SVC HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCCORECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I had opened a Citibank checking and savings account. I passed all verification steps online and my account was opened. I decided to get my loan funds direct deposited into my checking account which was done so on the XXXX of XXXX. I have a business to run and funds must be used to pay my employees. But Citibank took it upon themselves to block access to my account for no reason. Ive called in so many times trying to get access to my account and I even set up my payroll through XXXX to pay out my employees again citibank wont give me access. I was told I need to wait for a reference number in the mail never got it. Citi bank will not let me gain access until i get this reference number that i never got in the mail. Ive receive my debit cards and pin and even my personal checks but no reference number. 

Ive asked if I could step into a branch location to take care of this and i was told no. The letter im to be getting in the mail was mailed out on the XXXX of XXXX. It makes no sense what this reference number is suppose to be for. Ive had to contact my lender to verify everything is good on their end and it is. So citibank holding my funds is causing a burden. I will be facing a lawsuit if I do not pay my employees by this friday.
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am writing this complaint because I filed bankruptcy to stop a XX/XX/2019 sale date and SPS sent me a letter saying that I could apply for a loan modification this week. I sent in the request for a loan modification via email yesterday. Today I recieved a letter from XXXX XXXX stating that SPS has put my house back in foreclosure as of XX/XX/2019. SPS told me that they would not let me send in bank statements and check stubs for the modification. I plan to contact an attorney this week.
Consumer complaint received 2020-06-07
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. (MI)

ISSUE # 1 : I submitted a billing dispute to Chase twice to remove {$25.00} of a charge from XXXX XXXX XXXX the past couple of months. I have still not received so much as an acknowledgement. 

I filed a chargeback request disputing {$25.00} of the following transaction. 

XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MI {$570.00} I paid {$25.00} for unlimited refills on XXXX XXXX cleaning solutions kit ( general cleaner, window cleaner, etc. ). XXXX XXXX wont provide any refills, so I did not get what I paid for. 

I even e-mailed Chase 's executive office on XX/XX/XXXX but never heard back. 

ISSUE # 2 : I e-mailed Chase customer service asking them to become more sustainable. 

Chase remains the world 's biggest banker of fossil fuels, and customers have a set of clear demands for you : -Close the loopholes in your restrictions on financing coal companies and fossil fuel infrastructure in the XXXX ; -Stop financing tar sands extraction and pipelines ; -Immediately end your funding for companies that are expanding fossil fuel extraction and transport ; -Put in place a plan to phase out all support for fossil fuels on a timetable aligned with the XXXX  Agreement. 
-Many credit card companies are issuing non-plastic, biodegradable credit cards. I hope Chase makes the switch too. 

Chase 's response : Hello XXXX, Thank you for contacting Chase. For privacy reasons, we generally don't discuss our business interactions with individuals or businesses. We appreciate your business and welcome your ongoing feedback and will continue to work hard to meet your needs in the future. Your satisfaction is important to us. We appreciate your business and thank you for being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX AOC : XXXX My response back : Chase 's website, https : //www.jpmorganchase.com/corporate/Corporate-Responsibility/es-comprehensive-strategy.htm, says Chase is all about transparency and reporting, but clearly that is not true.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

I made a complaint a month ago regarding this credit card since I though it was part of a previous bankruptcy. I contacted the agency and arrange the payment and paid it off. I need this credit card to be removed from all my credit reports since I have fully paid the debt after talking to the debt collector, we settle for an amount. I have included the letter from the debt collector and the funds that left my account.