davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (IN)

In a XXXX, I have a recurring bill payment that goes out monthly as follows : XXXX : XXXX XXXX XXXX : XXXX} This payment is for the purchase of property he sold me on a XXXX contract. Due to a problem with this payee XXXXXXXX XXXX ( XXXX or XX/XX/2022 ), where he claimed he did not receive payment and my bank stopped payment and re-issued the check, I watch for his check to clear my account monthly and verify it is endorsed. 

Today, I noticed the monthly check ( XXXX XXXXXXXX ) coming thru NOT endorsed. I requested my bank NOT pay it, rather return it as " Endorsement Missing '' because, without his signature ( or an endorsement guarantee stamp by his bank ), I can't prove he received payment. Upon noticing this today, I immediately contacted my bank via text message rather than phone as I have learned to " CYA. '' : - ) They were USELESS, full of excuses, pass the buck, etc ... at the end you'll notice, they wouldn't even provide me the requested address! Attached to this complaint are an image of the check in question, as well as a transcript of my conversation with my bank moments ago.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Hi I am a victim of Identity theft and when going over my credit reports from all 3 credit bureaus I dont see the complete account number listed,? There shoukd not be XXXX at the end. I need to see the complete acct number.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AR)

JP Morgan Chase, back on my accounts how the messed things On XX/XX/XXXX they got payment XXXX, i called them on XXXX XXXX  for post payment it was post payment not payment they was difference He ran it while i was on phone without question what happen it put 3 months behind, We received your XX/XX/XXXX payment on XX/XX/XXXX ; however, we did not receive your XX/XX/XXXX payment until XX/XX/XXXX. We confirmed the payment made on XX/XX/XXXX, which was intended for the XX/XX/XXXX payment, was returned to us on XX/XX/XXXX, as unauthorized, by the banking institution you used. As a result, we reversed one payment from your mortgage loan, which brought your loan due for three payments, this would be their response, I talked to my case worker and to corportate office her name was XXXX i no she still works their i ask my case worker did you cancel this she yes we did, same thing at corporate office they both lied they took my whole loan and twisted, they lied about not receiving payments, how can you miss 3 payment XXXX, XXXX XXXX, i sent proof in secure message about 20 times, in mail sever times, even sent XXXX  XXXX to corporate office to XXXX twice no they got it. but it not on my account these or something wrong no Bank allows this many mistakes on person mortgage account. my case manger was liar and it shame they lied to me at corporate office. i filled one but i have enough of the lies and them sending XXXX. this was over one payment i paid for it, i went to XXXX and back and still going lost everything because of Fraud i no i get letter of payments, i did this and that sick of it, look at the employees look how they handle accounts, like XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Companies keep denying my credit or placing holds on my account because they are " unable to verify my information '' with data from Transunion. I tried requesting my credit report from them due to denied credit, and they sent me a blank report. I tried to create an account online, and I submitted the correct verification codes sent to my mobile and email, but they denied me an account, saying they can not verify my identity. Then they invited me to contact them for help via social media ( very insecure, and I'm prohibited from using social media ) or on the phone ( I can't hear well and long phone calls like this are very draining for me ). 
I have good credit, a valid driver 's license, several bank accounts-all in good standing-with no missed payments or delinquencies, no criminal record for fraud or theft, no suspicious activity, and no history of identity theft. I shouldn't have to call a call center in XXXX for an hour EVERY single time I create an account with a company. I can verify my identity with a notary or send a copy of my license or something for the purposes of this complaint, but I'm tired of calling numbers and still being told they can't verify my information. I need to dispute inaccurate information with someone who is fully authorized to make changes without a supervisor. 
I have attached the blank credit report they sent me when I asked for one.
Consumer complaint received 2023-06-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I sent a dispute to the credit reporting agencies requesting proof of each account as well as a fair investigation for each account. On XX/XX/XXXX, the disputed items came back as verified. Experian, XXXX  and XXXX  has not properly verified a bankruptcy record on my credit reports. The bankruptcy record is inaccurate and is found to be incomplete. An affidavit ( a sworn statement of facts ) was sent to the Federal court asking them if any information was released to the credit reporting agencies. I sent Experian, XXXX and XXXX  a notarized Affidavit and correspondence directly from the Federal Court stating that no information has been given to them. If the agencies did not verify a bankruptcy record with the courts, how did they complete the investigation? This investigation is incomplete. If the court did not send them information on the bankruptcy record, then my disputes were not properly verified. I do plan on taking legal action per [ 15 U.S.C. 1681i ], Section 611 ( 5 ) ( A ) ( i ) If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. This inaccurate and incomplete bankruptcy record is causing me unnecessary financial hardships due to the incomplete investigation of these credit reporting agencies. I need would like assistance on this matter asap before taking further legal action.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Barton Creek Auto Credit  LLC (TX)

Barton Creek Auto d/b/a XXXX in XXXX, Texas. I was told by XXXX XXXX the account representative that I should be careful about mileage because " this is a lease and anything over 20,000 miles per year would cost me {$15.00} per mile ''. It even said so in the paper work so I acknowledged that I understood. She mentioned to me that if I wanted to get out of the lease early, all I would have to do is pay {$490.00} early termination fee and turn in the car. OK. I saw that in the contract. No problem. 

Fast forward to today. I do a LOT of driving and I was getting close to the 20,000 mile per year limit. So now its time to BUY a car which I can drive freely instead of LEASING a car and having to worry about mileage. 

I went to another car dealer to see about purchasing a car and the dealer called XXXX XXXX of Barton Creek Auto d/b/a XXXX to confirm it would cost me {$490.00} to end the lease. She told them no, it would cost me a whopping {$1900.00} to get out of the lease, even though the lease agreement clearly stated {$490.00} to end the lease and return the car. 

Barton Creek Auto d/b/a XXXX told me something entirely different when I chose to exercise my contractual right to END THE LEASE. XXXX XXXX told me that she is charging me .XXXX  cents per mile for the miles I have driven on the car since I leased it. 

THAT IS NOWHERE IN THE CONTRACT. There is no mention of a .XXXX cent per mile charge. She said she is " being nice '' by charging me these extra fees of {$1900.00} instead of the {$490.00} stated in the contract. 

Barton Creek Auto d/b/a XXXX is in violation of the Fair Debt Collection Practices Act. Their written contract states {$490.00} to end the auto lease and the company representative creates a new story and thousands of dollars in additional fees when I decided to exercise my contractual right to end the lease.
Consumer complaint received 2023-06-13
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

to CFPB please investigate this complaint that I disputed XXXX Transunion response they state there reason for lowering score, But when I pay down on a account my score should go up not down in there own documentation they state if you pay down account your score will go up enclosed evidence, But they lower my score this is deceptive tactic. With this type of practice they hold the consumer hostage on credit and interest on accounts
Consumer complaint received 2019-01-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax, XXXX, & XXXX, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Consumer complaint received 2019-01-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (IL)

This account was showing open for the longest on my credit report. This account now shows closed, but with a XXXX balance. I have no contract with this company verbally or written. I do not do business with this company and it should not even be on my credit report.
Consumer complaint received 2023-06-13
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. (MI)

I sent a few letters off on XX/XX/2022. Here are the tracking numbers XXXX, XXXX, XXXX. Also I submitted to the FTC reference number XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. no financial institution is supposed to share my information to third party companies. 

These are clear violations of my federal protected consumer rights
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NC)

This my 2nd attempt at resolving this issue, A inquiry at XXXX XXXX XXXX via CREDCO was made on XX/XX/2022 that was not authorized by me. Please remove immediately.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (TN)

On XX/XX/2022 I received {$10.00} in a incoming oayment and had {$2.00} on the account as soon as the payment cane in a message came up that my account was reset and the {$12.00} turned into {$2.00} and it said that I owed {$7.00} and they took it out if XXXX and {$2.00} was my remaining balance in the account. A month before that I received a payment of {$20.00} and they immediately took {$18.00} znd I was nit ovdrdrafted. The week before that I received a {$25.00} payment and it disappeared with no explanation. I received a {$10.00} payment from my XXXX Bank Account and it says XXXX XXXX and it disappeared too. Before that they refused to fix the problem with the XXXX XXXX XXXX not being able think up to my Venmo Account and transfer money to it. It works for others but they pretend to me it can't be fixed XXXX XXXX is a prepaid account bank and its not. Please help me get good customer service.
Consumer complaint received 2023-06-12
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX  Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXX* Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX* Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Consumer complaint received 2019-01-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me.The company has not responded in any way. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Real Time Group, Inc. (FL)

There is an account reporting on my XXXX and XXXX  that is past the statue of limitations yet this Realtime Resolution continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?
Consumer complaint received 2022-07-30
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. (CA)

I have been sending dispute letters addressed to the Credit Bureaus requesting that they investigate and update my Credit File from erroneous reporting and yet they have done nothing! I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 and XXXX XXXX  XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 as I believe these accounts were reporting in error.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, I have an issue with the most hated service globally which is Paypal, they have closed my account for no reason they have asked me for My ID I provided it to them but guess what, they have refused my identity like I am nothing and closed my account stopping my business indefinitely. I have tried to call them and text as well but I couldn't get to them. 

I am filling a report in here because I believe they are not doing their business properly and it is really effecting my life now specially in these hard days. 

please help me out, this is my email attached to my paypal : XXXX XXXX
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (TX)

This was sent to resolve the issue : Information : Sent on XX/XX/XXXX at XXXX I need an email stating the reason for 90 past due was because of a forbearance -modification period. This was supposed to be corrected by Roundpoint Mortgage just like my other account after the trial period was completed. I full filled all my obligations on time based on the guidelines of the forbearance -modification. This is a reporting error, as a result it has affected my credit rating negatively. There have several recorded phone conversations stating that the forbearance -modification wasnt suppose to impact by credit negatively. Thanks What do I need : An email giving an explanation for the 90 days past due within 24 hours.

Action : If I dont receive the email with 24 hours stating the inaccurate reporting, I will file a complaint with the Consumer Financial Protection Bureau at the end of business on Friday XX/XX/XXXX XXXX. Simply waiting for the matter to be vetted and resolve later is not an option. Its been months since the forbearance -modification was completed. Thanks. 


Sent XX/XX/XXXX XXXX All, I received a phone call on XX/XX/XXXX satiating my account was never late but there were no documentation ( email ) to support that. Im in the process of filing a complaint with Consumer Financial Protection Bureau as we speak.

Action : I need an email within 2-4 hours from Roundpoint delivering on their promise that the issue was resolved via email. Thanks.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am an authorized user with the CapitalOne QuickSilver MasterCard card ending XXXX with the credit limit of {$5100.00}. I've recently reviewed XXXX credit report and noticed that this card is not reported on XXXX credit report. 

I called CapitalOne customer service line at ( XXXX ) XXXX on Tue, XX/XX/year>, at XXXX XXXX  XXXX  and spoke to XXXX asking her to provide confirmation in writing that CapitalOne report this credit card to XXXX. XXXX told me that she is unable to provide such letter. The call was escalated to the supervisor named XXXX and, unfortunately, also was not able to provide anything in writing confirming that CapitalOne reports this credit card to XXXX.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

THIS IS NOT AND DUPLICATE!!!!!!!!!!!! 





In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally profected consumer rights to privacy and confidentiality under 15 USC 1681. I told the credit bureau Experian, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX Account number XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account number XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.