davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

I am currently on a repayment plan agreement with my mortgage company Loan Depot. I have been given misleading information by several customer service works within the last month. Basically lied too. On XX/XX/2019 I spoke with three different people and they all  told me different things. I spoke with a Mz. XXXX employee ID # XXXX, she was some what helpful. My issue is mainly with the rude woman I spoke with before Mz. XXXX. Mz. XXXX, she refused To give me me employee ID number. She my husband that if he did not make his payment by the XXXX that the payment would be cancel and Nolan void, when I spoke to Mz. XXXX She told me I had a 30 day grace period to make the payment and that it would not be Nolan void. Im very confuse how one agent was so definite that my payment arrangement would be broken and canceled and the other one wasnt, how one agent was helpful and the other one was not. Also I was told that I dont have the right to have my husband on a three-way call when speaking to them
Consumer complaint received 2019-08-01
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: EQUIFAX, INC. (OR)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX**** and ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX Reported : XX/XX/2019 {$680.00} XXXX  XXXX  XXXX  Reported : XX/XX/2019 {$220.00} XXXX XXXX XX/XX/XXXXReported : XX/XX/2019 {$590.00} XXXX  XXXX XXXX Reported : XX/XX/2019 {$130.00} in the file you maintain under my Social Security number. 
No contracts exist ... Accounts were settled with creditors ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX  XXXX  XXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

Social Security Card has been stolen once and lost 2 times within the last couple of years. Addresses on my credit report are addresses that I have never lived or reported. Unaware of the addresses that are displayed on my credit report and Conns loan. There is also a soft inquiry that is showing on my report that I have no information about and was unaware of the inquiry
Consumer complaint received 2019-04-27
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: WELLS FARGO & COMPANY (TX)

a charge of XXXX $ on my wells fargo credit card ending in XXXX on XX/XX/2018. 

I tried to resolve the problem with wells fargo but they denied my dispute. 

I stayed in this hotel for a couple of nights with a mutual friend who was staying there for a week and they requested my card at the front desk to charge room service orders to it. 

I found later that they charged the whole hotel stay that the mutual friend took care of to my card. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-15
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. (IL)

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022 I received a text message seemingly from JP Morgan Chase asking if I authorized a XXXX payment to XXXX for {$2000.00}. I replied no and immediately received a call from the same 800 number that is on the back of Chase debit cards. They informed me that someone had hacked into my XXXX account. Upon opening the mobile banking app and going to the XXXX feature, the app reflected my first and last name and said it was registered to XXXX. At this time I was trying to get control of my XXXX back because it was absolutely hacked prior to receiving the text and call. The {$2000.00} left my account when I associated my cell phone number to my XXXX account. I now have discovered this is a nationwide fraud event that is affecting thousands of people and Chase is refusing to do right by its customers and refund them their money claiming to have no recovery rights with XXXX even though JP Morgan Chase is an owner of XXXX. I immediately called the chase fraud department and deactivated XXXX less than 5 minutes after seeing the money be stolen. I Reported the fraud to Chase, I did everything they told me to do. I filed a police report, I went to the bank and changed my account numbers, I changed my username and passwords. I did everything they told me to do and on XX/XX/2022 they issued me a temporary credit and then on XX/XX/2022, they sent a letter saying they said I authorized being robbed of {$2000.00} and that they would be taking the money out of my account on XX/XX/2022 which they did and now the account is overdrawn by {$2000.00}. I was a loyal customer of Chase for almost 20 years and the way I was treated as the victim of a crime was atrocious. I have attached the dispute I submitted. I called to dispute the result of their investigation and was provided an address and fax line where I sent my dispute letter and backup documents and I never heard back from anyone. The specialist i spoke to said that they tried to recover the funds from XXXX but that XXXX " didn't want to '' so therefore, I, the customer suffer.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

RE : XXXX Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$220.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

I have been a customer of JP Morgan Chase via its Chase Freedom Card for over 10 years. I notified the company that I wanted to collect my points in the form of cash a few months ago. Recently I was traveling with a minimal balance on the card. When I called to collect the points I was told that since my account was past due owing to one missed payment ( the total amount of which was less than 1/7th the amount I'm due in cash from points conversion ) they couldn't pay me anything for the points anymore. This appears to be fraud to me and I want to pursue this matter to the fullest extent of the law.
Consumer complaint received 2019-11-29
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 (GA)

Not reporting correct amount -- -> Barclay I have disputed this matter with all three credit bureaus as well as credit card company, Barclay . I disputed a charge on my credit card after not receiving the product. And Barclay removed the charge and then later reapplied the charge without notifying me why the charge was reapplied after I did not receive the product. Barclay did not respond to any of my inquiries sent via certified mail. And then began reporting the incorrect amount to the credit bureaus. I disputed with all three credit bureaus. After the second attempt, XXXX  investigated and was able to determine that the amount being reported is incorrect and/or could not be verified and therefore removed the account from my report. I have disputed with both XXXX  and XXXX and the investigation process is insufficient. I have provided supporting documentation of the letters sent and never got a response from Barclays. The last response I received from Barclays was in XX/XX/2016, when they put to monies back on my card after removing it. I never received any other correspondence from the company after several attempts to reach out and see why the monies was put back on my account without notice and/or I still never received the product that was promised from the vendor. This account is now closed, " charged off '' due to dispute never being acknowledged. I refuse to pay amount and interest for items I did not purchase. I need this account removed for reporting incorrect balance to credit bureaus and not acknowledging my disputes with company. This has been going on for over 3 years.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmations, which clearly show the payment was processed before the due date. These payments should not have been marked as late.

Bank Processing Error : There was an internal error at XXXX XXXX  that delayed the application of my timely payment. The error caused the payment to reflect as late in the system, even though I had sent the funds on time. I have attached communication records with XXXX XXXX  acknowledging this error and confirming that the payment was received. 
Misapplied Payments : The payments were incorrectly applied to the wrong account due to a clerical error. I contacted XXXX XXXX  immediately when I noticed the issue, and they confirmed the error. However, the late payment entries were not corrected in my credit report despite the banks acknowledgment of the mistake. I am attaching documentation of my communication with XXXX XXXX  as further evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-04-27
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aqua Finance, Inc. (FL)

Me and my husband filed for Chapter XXXX Bankruptcy in XXXX. It was discharged on XXXX XXXX, XXXX. The creditor Aqua Finance was included in the bankruptcy and was discharged with the other creditors. We sold our home and were closing on XXXX XXXX, XXXX. XXXX XXXX XXXX is handling our closing. On XXXX XXXX, XXXX, XXXX XXXX was provided a final XXXX settlement statement from XXXX XXXX XXXX XXXX that was given to us. To our disbelief this statement has a second mortgage listed for {$6000.00} from XXXX XXXX XXXX, XXXX. We were confused. We don't have a second mortgage and since we have a VA guaranteed loan, we can not have a second mortgage on our property. I searched for XXXX XXXX XXXX, XXXX and contacted them about this fraudulent 2nd mortgage. I spoke with XXXX a customer service representative at XXXX. She informed me that they represented Aqua Finance. I told her the debt that we had with Aqua Finance was discharged in the Chapter XXXX. She stated that they had no record of this. She provided me with a claims email address and I emailed a copy of the listed creditors in the bankruptcy and the discharge order from the court, to show that Aqua finance was listed. I called back to make sure they received the email and spoke with XXXX another representative. She stated that Aqua Finance had a judgement of exemption from the bankruptcy discharge and this was a valid way for them to collect the debt. I asked her to provide me with a copy of this since I have a copy of the bankruptcy closure of estate order. It shows that no creditor was given an exemption to the bankruptcy discharge to collect on an exempt debt. I asked if she would provide me with a copy of this exemption order they had for XXXX XXXX XXXX, XXXX to collect this debt. She stated they didn't have to provide me a copy of this ordre. I informed her that I would file a complaint with the CFPB. She told me to go ahead, that was fine. The actions of XXXX XXXX XXXX, XXXX on behave of Aqua Finance, is a clear abuse and infringement of my consumer rights and protections provided to me and my husband under the US Bankruptcy code. It is also holding up the sell of our home. This is a blatant strong arm tactic by big corporations to collect a debt and they are breaking the law.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (NY)

This bank always gives me a hard time when applying for credit I applied recently for a credit card they trasnfer me everywhere and dont help they dont care about me I have a fraud alert on my credit I called to process my app their system said it was pending then they tranfer me said its clear they lie to me I asked them why they would decline horrible bank they really dont like me
Consumer complaint received 2022-02-11
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. (MD)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

There are inaccuracies on my credit report regarding 15 USC 16c-2. The inquiries shown were unauthorized, which is hurting my credit. Please remove all unauthorized hard inquiries. Thank you!
Consumer complaint received 2021-06-22
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 (WI)

Hello- On XX/XX/2021 I received an email from Paypal saying that my account had been restricted. They did not provide a reason. I was informed that my account would be restricted and that, essentially, funds in my account will be held for 180 days. 

I tried to contact Paypal to get some answers, and to see if anything could be done and was unable to reach a party on multiple phone calls, or via email. I also tried the chat function through their online services menu, and never received a response. 

After I could not reach a Paypal rep, I had reached out to friends who had recently sent me money through Paypal to see if they could request their money back. I can see their requests, but Paypal is not allowing me to even issue their money back to them, so it is locked in the account with no way to remove or withdraw. I also can not even close the account. 

I would like to access/withdraw my balance in this account and close the account. 

Thank you in advance for your help! 
XXXX
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Today XX/XX/XXXX I went online to view my XXXX  credit report. I found several errors still that have not been corrected. I tried submitting a dispute online for all the errors. After putting in all the information for each one I received a submission failed message. This is very fustrating. The first item on my report is 2 inquiries from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. My credit was ran only 1x not 2x. It's showing as 2 inquires which affects my score. Another inquiry is XXXX XXXX on XX/XX/XXXX which I did not do. I have a XXXX XXXX card for a few years now I did not apply for another card. Another inquiry is XXXX on XX/XX/XXXX again I have a XXXX card for a few years and did not apply for another card. Having these 3 inquires on my report is affecting my credit score in a negtive way. I am also disputing again I do not have 2 auto loans. I only have 1 auto loan with XXXX XXXX XXXX. It is still showing from XX/XX/XXXX an amount of over {$4000.00}. This was paid when I re-leased another vechile with them in XXXX. We are in XXXX I have leased 3 times with them already and there is no balance. Having this {$4000.00} auto loan show is also affecting my credit score as it is showing more debt than I really have. I could not reach XXXX through telephone to dispute all this again all I get is they are busy and if I want to order my credit report.
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have noticed there are XXXX new accounts reported from XXXX/XXXX/2016 ; XXXX XXXX, XXXX, and XXXX. If there are more than one credit card issued to me from each of these companies, then someone has stolen my identity. If there are only one account for each of these companies, these accounts have been opened and already reported for over 12 months, maybe even 18 months. Reporting them as new looks like I have applied for credit- which I have not done in over one year.