davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
Product: Credit 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: Bread Financial Holdings, Inc. (CA)

XXXX did not deliver an online order on XXXX. 
XXXX promised to refund {$100.00} on XXXX. 
After a few iterations of communications with XXXX, I filed a dispute with Comenity Bank on XXXX. 
Comenity Bank closed or ignored this dispute on XXXX with incorrect information, i.e. " We credited $ {$71.00} to your account on XX/XX/2023 '' while there was not such credit on my bank statement... 

I disagree with Comenity Bank on XXXX that " We credited $ {$71.00} to your account on XX/XX/2023 '' as it is very obvious on the bank statement. I am also disappointed with Comenity Bank that it ignored this dispute for a couple of months without any refunds by now.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

In XXXX, the information on my credit report was removed from all credit reporting agencies because I filed a complaint with the CFPB. The issue was resolved to reflect that the account was paid in full with a zero balance per Experian response to CFPB. I got a alert in XXXX XXXX and XXXX XXXX stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX. Now they are putting this information on my credit report showing an outstanding balance and that I owe monthly payments
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
US DEPT ED XXXX Balance : {$2200.00} ; US DEPT ED XXXX Balance : {$3300.00} ; US DEPT ED XXXX Balance : {$2400.00} ; US DEPT ED XXXX Balance : {$3700.00}.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2023-12-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY (GA)

The lender repeatedly denied that payments had been received, although bank records indicated otherwise. Lender also also wrongly claimed that vehicle in question was not insured, and added additional amounts to loan for insurance, notwithstanding the fact that said vehicle in question was at all times insured by XXXX. Lender further created other false addendums for the purpose of increasing the balanced owed and then repeatedly hounded this consumer regarding surrendering such vehicle for repossession.Lender also required this consumer to submit bank records for proof of payments. However, after consumer realized that the lender did NOT have/maintain payment records, inasmuch as the same had likely been mismanaged, this consumer decided to surrender the vehicle in question for fear that lender would continue its mismanagement of payment records, which would continue to cause gross excessive payments.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2016-02-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

I have XXXX mortgages on my credit report that are listed as delinquent, XXXX with Chase Bank and the other with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My attorney XXXX XXXX from XXXX XXXX XXXX XXXX XXXX in XXXX notified both Chase and XXXX that both banks agreed to a global settlement pursuant to which Chase and XXXX would have the right to take title and in return drop all claims against me. XXXX XXXX sent both banks the stipulations discontinuing the XXXX foreclosure actions and waiving all deficiency judgments against me. The XXXX Customer Care and Recovery Group refuses to remove this item from my credit report and the Chase Credit Research Department has not yet responded. I am a single mother of XXXX living in the basement of my sister ' s home. I am desperately trying to apply for a mortgage to buy a home for my children. My credit score has been adversely affected by these mortgages for which I am no longer liable. I can not get a mortgage with these other mortgages still on my record. XXXX XXXX XXXX XXXX XXXX ) has also closed my credit card account even though I told them I had the stipulations of discontinuance for all three mortgages. XXXX did n't care. I am a victim of fraud and these banks are punishing me for it. They are financially abusing me and violating the Fair Credit Reporting Act. Please help me get these mortgages removed to restore my credit so I am able to buy a home and take care of my children.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH THE FOLLOWING ACCOUNTS ARE FRADULENT. THE FOLLOWING ACCOUNTS ARE INACCURATE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards,
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Inaccuracy of Information : I recently obtained a copy of my credit report from XXXX XXXX XXXX and discovered several inaccuracies : 1. 6 counts of inaccurate names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  ) 2. 7 counts of inaccurate non-mailable addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 3. 3 counts of Inaccurate employer information Experian is in violation of my consumer rights pursuant to Title 15 U.S.C. 1681by reporting false information on my credit report.
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I keep getting repeated calls from a company called XXXX XXXX XXXX stating that I owe {$3900.00} on a HSBC platinum credit card which I do not have a credit card and the last time I had one was 15 years ago. I have pulled my credit report and there is nowhere on my report having this credit card or this debt. Im am being threatened that if I dont solve this issue I will have a judgement. In the past 2 years I have had my identity stolen so I dont know if someone once again stole my identity and opened a credit card in my name. But like I said I dont have any credit cards on my credit report showing
Consumer complaint received 2023-12-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC (PA)

XX/XX/2023 : I received a phone call from a spoof number from a XXXX XXXX XXXX. 
When they asked for my name I said who's speaking? They immediately hung up. I called back 12 times that day to a XXXXXXXX XXXX XXXX in the name of XXXX XXXX XXXX 

I asked who are you? He said one second put me on hold. Then hung up. I called back again, the moment I got him again and he knew it was me so hung up 9 more times. 

Then the XXXX and last time, he finally had the XXXX XXXX to stay on the phone longer than more than he can last in the bedroom from what all the XXXX he attracts. He threaten to garnish my wages and gained personal information from me. Not really questioning if this really is the person or not. For all he knew it could have been someone having a bad day responding " YES '' ( Also probably the first time he heard that, too if you know what I mean. ) to all the answers that he wanted off the phone call. Then he said " XXXX XXXX '' and we're going to take you to court. So little XXXX XXXX XXXX XXXX' over here failed to realize, him being a third party debt collector just committed some pretty gnarly stuff. 


Number 1 is : Identity Theft. 
Since " XXXX XXXX '' over here used a lawsuit threat ( 42 USC 12203- Prohibition against retaliation and coercion ) over the phone with wage garnishments as well. That falls under per 18 USC 1028A : Aggravated identity theft, in which, I will attach that law down below so EVERYONE can see it as well. Which will also be attached below.

Number 2 under PA statute title 18 USC 4120 which states what happens when you steal someone's identity due to the fact if you're going to file a lawsuit which goes hand in hand pursuant to 26 USC 2032a 11 which would be needed first which if they don't even do that. That would lead to a due process violation that would fall under 26 6903 ( a ).

That's all I have to say for this one. It's been fun to play this game of XXXX, right " XXXX XXXX '' As XXXX XXXX would say and do XXXX hits him with the fake to the left twist, spins to the right and shoots. GAME WINNER with XXXX second on the clock baby. xoxo
Consumer complaint received 2023-12-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Long & Foster Financial Services, Inc. (IN)

I experienced a fairly large reduction in my disposable income which also resulted in the need to restructure and reorganize. A couple of family emergencies increased the need for funds which was now, a tool to leverage the available assets to fund recovery. In my search for an " equity '' loan, I was contacted by XXXX XXXX XXXX XXXX, Loan Officer with Prosperity Home Mortgage LLC. I was offered {$240000.00} and I accepted on XX/XX/. I was later offered {$77000.00} but never received anything from either contracts. I was denied my own credit which has to be fraudulent because I tendered signature and allowed access to the social security account. I was also charged {$450.00} for a new assessment of the property value. This is illegal as the total amount that was taken from my account totals {$320000.00}. If it was not taken, it will show by evidence of a forensic financial audit.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

In regards to Nissan Motor Acceptance Corporation Account # : XXXX As to the credit reporting agencies XXXX XXXX XXXX XXXX and XXXX Per the FCRA I as a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal, and non-verbal per 15 USC 6802- 6805 Per The Privacy Act of 1974 And under 15 USC 1681 ; the report is inaccurate with blue highlighted dots showing inaccuracies and need for this account to be removed immediately
Consumer complaint received 2023-12-22
Product: Credit reporting 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: EQUIFAX, INC. (CA)

The issues has been ongoing since XX/XX/XXXX and stems from my credit report not being visible on the website and indicates an invalid credit score. Ive reach out to them to rectify the issue and they have escalated the case up to their technical team. They've informed me that I will receive a response between 5-7 business days. Of course after a couple weeks past I have received zero responses. 


Fast forward to XX/XX/XXXX Ive attempted to reach out again regarding the same issue with an error code I received ( XXXX  ) and they have again mention the issue has to be escalated again to the technical department. They have provided a confirmation # XXXX As of today XX/XX/XXXX Ive yet to receive any types of response.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I submitted a bill pay payment to a contractor in the amount of {$71000.00} on XX/XX/XXXXXXXX This contractor does not have electronic payments enabled for bill pay, so Capital One was supposed to send him a paper check, and they were supposed to receive it by XXXX 

They never received the check and I don't know if it was sent. Capital One debited the money from my account. I waited to see if it was lost in the mail until XXXXXXXX  I called them and asked them for a stop payment on the check, and to refund money into my account. 

Originally, I was provided with the date that I would receive a provisional credit to my account by XX/XX/XXXXXXXX I did not receive that credit, so I called back that day. On that day, I was told that I would receive a credit by today, XX/XX/XXXX. I didn't receive a credit today. 

I called back, and was finally told that I would receive a credit by the end of this week. I don't trust this to be resolved in a timely manner, and I really need the money back due to bills that I have upcoming.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CO)

I asked for validation of the debt via their online contact us chat in the beginning of XXXX and the lady threatened to sue me and that wage garnishment can occur. She scared me and coerced me to pay even though I repeatedly asked for accuracy and validation be provided. She said I can dispute it after I pay and to just pay to prevent lawsuit and judgement against me. I paid because I was frightened not because I owe the debt or know of the debt. I then sent and tracked a letter dated XX/XX/XXXX asking for all allowed validation of debt documents per the FDCPA including the signed contract or agreement and I did not receive all required to validate the debt. I received XXXX credit card statement and a letter for them. I also advised in that letter I sent that I was disputing the debt and that they can not contact me. They sent multiple statements and still tried to contact me via mail. Today I reached out again and the representative said it was still in process I asked what that meant and he refused to help I advised my social security card was stolen in XXXX and that I no longer had the original police report. He refused to assist on the status of these accounts and ended the chat on me ( hung up ) I have not received debt validation. They refused to help with questions and threatened me. I took screen recordings of every conversation and have the tracking number and copy of letter that I sent requesting the information I am legally entitled to.
Consumer complaint received 2023-12-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MN)

XXXX did Not provide a statement of charges after moving out within the 30 day time-frame that the landlord and their attorney acknowledges they had to provide the information. I did not receive deposit or statement. Landlord has tried to post charges previously on account ledger for things like eviction notice when there was never any eviction and we were never served with one but they charged a fee, charges for rent twice in one month that after i disputed with the apartment manager, they claimed was a mistake, not fixing anything in the unit then attempting to overcharge to make a large balance for tenants, etc. I just received an alert that {$910.00} was posted to my credit report. please review documents associated with complaint.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MI)

My card was used to purchase an XXXX XXXX XXXX XXXX via XXXX XXXX. The trip was to take place XX/XX/XXXX. The card was initially charged for the deposit upon booking. The final charge set to be charged XX/XX/XXXX. The card was used for other expenses however paid in full well over 30 days prior to XX/XX/XXXX. An email was received from XXXX vacations at XXXX XXXX stating the transaction was declined. An email from AMEX at XXXX was received stating there was a credit limit change to the account. After calling twice to attempt to get this resolved or questions answers, it was told by a service representative that the charge was declined and at that time a review of the account which the decision to lower the credit limit, AFTER the transaction was declined. The service representative could not provide much more information other than the scripted file an appeal after 5 days upon request to speak with a supervisor, it was met with I am just as capable and declined to be transferred. After requesting again, I was placed on hold only to be told minutes later that no one was able to talk and that I would receive a call back the same business day. No call back was received. Our XXXX wedding anniversary trip has now been cancelled. The emotional toll this situation has cause, less than 30 days before the trip is to take place. The lack of customer service, knowledgeable assistance and support was and still deplorable. The way that AmEx is conducting business by declining transactions and lowering credit limits within a few minutes timeframe is XXXX.