davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (FL)

I can't the web sute t take a password. i have change it multiple times. 

i can't get anyone in customer service, repeatedmy info numerous times. 
went on social media, keep wnting my info go in circles. can't get customer service, phone system not working, no call back, going on for weeks., keep blaming me, i put the code in right, its the system. very XXXX  seervice, impossilbe phone system.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

On XX/XX/ I sent Experian a certified mail letter stating there are old outdated addresses on my consumer report and to delete them. 
I can not receive mail or any correspondence, nor ; do I have access to any of these addresses. 
I am afraid this may cause IDENTITY THEFT and I am demanding the information be DELETED and updated to my correct address! 
I have tried to resolve this issue multiple times with EXPERIAN and they have not made any effort to resolving this matter! 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ) I am a FEDERALLY PROTECTED CONSUMER and I have a right to PRIVACY!

Not granting me my rights ia in direct violation of 15 USC 1681 and all it's subsections.
Consumer complaint received 2021-02-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Beginning on XX/XX/XXXX we requested a Pay Off amount for a commercial loan with Wells Fargo as we are attempting to refinance with a different bank. After a few days we received an email from Wells Fargo from XXXX requesting that fill out a form to request the information we needed. We did so on Monday, XXXX XXXX. We have not gotten any response from anyone and can not find anyone to speak with us about this matter. Anyone we speak to wants to pass us off to someone else. We tried dealing with a local branch and were told they could not help with this matter and we would need to talk to someone in commercial banking.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

I obtained a secured credit card from First Progress Credit. I had a hardship and asked to close the card since it was secured with my own money. They never closed the card then started charging many fees. Then they charged it off and reported it on my credit as if I owe them {$200.00}. I secured the card with XXXX. First Progress continues to report negative remarks on my credit falsely. This is wrong.
Consumer complaint received 2024-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Hello My name is XXXX XXXX. Earlier this year my mom had opened up a new account with citi bank. I endorsed my XXXX tax refund to my mom so she could deposit and cash my check because i was unable to open a bank account around this time in my life due to extenuating circumstances. We were not aware nor were we warned or given a chance to remedy this situation before her account was closed due to " fraud '' as stated by the banks customer service. We immediately went to the bank and explained our situation and requested some way to have this handled. We where sent around in circles first by citi banks customer service and fraud department telling us to initiate a payment trace with the XXXX. We waited the XXXX or 90 days for the XXXX. to finish the investigation only to be told that they could not send a replacement check because I had signed the check and that the XXXX. had not received the check back from Citi bank so their hands are tied. They started that we needed too go to the bank and request they send the check back and give me the address they would send the check to. I attempted this exactly as described and explained to me only to be told by the rep that my check is indeed still sitting in my mom 's closed account and they couldn't help me that I needed to contact the irs again and request a payment trace again. We are at the end of our patience and are seeking any assistance in having this situation handled as quickly as possible. My mom 's information is as follows : 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 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 2024-02-16
Product: Credit 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. (TX)

On XX/XX/XXXX, I placed an order with samsung.com specifically because Chase had an offer on my freedom card ending in XXXX advertising 20 % off any orders made before XX/XX/XXXX, the expiration date. 

I placed the order on XXXX  on XX/XX/XXXX ( see receipt ), but due to delays on XXXX 's end, the item was not shipped until XX/XX/XXXX, and the transaction was pending all the way up to XX/XX/XXXX when it was finally posted by Chase. Because of the delay, Chase is refusing to offer the falsely advertised 20 % off despite the FAQ of their ChaseOffers stating " If you made the transaction before the expiration date and met the requirements of the offer, you should receive a statement credit. While payment is pending, the offer may appear as expired in the Offers XXXX. The offer should appear as redeemed within 14 business days after the transaction post date. '' This language in their FAQ is the only reason I placed the order expecting the offer to be applied, but they are refusing to honor their advertised offer. I have escalated twice to Chase customer service and have been denied, their reps cited completely different reasons each time about the shipping date, pending date, and transaction date. The offer language by all common sense is being marketed and advertised the consumer should place the order before the expiration date, as my receipt below confirms I did
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NC)

I have a chase checking account from which {$2000.00} was taken out fraudulently through XXXX, which Id never used until yesterday because its not secure. I received a text from an 800 number claiming to be chase asking if I authorized this transaction during my XXXX treatment. As I was replying no, I received a call from what was supposedly the chase branch in XXXX, NC. The man on the phone said that I had to use XXXX in order for XXXX XXXX to stop the {$2000.00} requested from being taken from my account. I said this was suspicious and asked for identification as I didnt think he worked for chase. He gave me a supposed chase identification number, so I did as instructed. Now, I lost $ XXXX. I called the branch number back, and the manager told me theyd never use this procedure ; & no one with that false identification worked there. I then called Chase fraud department and spent 7 hours after XXXX treatment getting the runaround, and told my money was gone. Then, I called the office of the CEO. Supposedly they are working on it, but they blame me and said theyre not responsible for XXXX . This is the second time in two weeks that my chase products have been compromised. Last week it was my credit & debit cards. The bank wont let me change my checking account to protect my identity without fees.
Consumer complaint received 2021-01-27
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. (AL)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

I contacted XXXX XXXX XX/XX/XXXX to consolidate and to start repayment on an XXXX. It is XX/XX/XXXX and they have not processed my request despite several calls and assurances that it would be done within 30 days.
Consumer complaint received 2024-02-15
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: HYUNDAI CAPITAL AMERICA (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : XXXX. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or XXXX-party entities contacted during your verification process, as required by law. 
XXXX. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Have a problem with experian credit reporting now I am sending this to legal departments. The child support needs to show me a court order. Before or after XX/XX/scrub> 2017 that states.i am behind on child support. The court order attached shows blank. I am not behind in child support. Like the clam I am. Show me hard documents. Yes I report them to the state and federal officers for fraud. This will be a law suit on every one who refused to send me hard documents
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

On XX/XX/2015, my bill for {$63.00} did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. The account was closed and I now can not get a mortgage because of this mark on my credit. The company will not help me with this unfair situation.
Consumer complaint received 2017-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Go Capital Holdings, LLC (NC)

I was told to be able to skip a month with Go Financial, I needed to make six payments. I did that and then called and tried to skip a month, JUST ONE because I had XXXX and was out of work, and am the only one working in my home right now. They gave me the run around and gave me XXXX, refusing to allow me to skip a month
Consumer complaint received 2024-01-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I filed multiple credit card disputes against a merchant who falsely identified himself as a Licensed General Contractor and scammed me for over {$100000.00} for work he never rendered or completed ( Only a portion of this was on Credit Cards I also paid cash and sent XXXX Payments ). I filed disputes with Capital One to try to have the payments returned for the services which were not performed. I filed the disputes but was told incorrect information by Capital One employees the entire time. Every time I call in I receive incorrect or conflicting information. I was told by one person " Not to submit too many documents because the caseworker is busy land will get overloaded '' I was also told that after the merchant responds that as long as I respond with any documents, the dispute will be sent back to the merchant/visa. I responded with a lot of documents, which I was lead to believe were adequate, and Capital One sent me a letter saying they can not assist with the dispute and that they're closing the dispute. I asked what the correct documents to upload were or what was wrong with my documents and I have not been able to receive a direct answer. This was extremely important to me and Capital One told me conflicting information again and again. I also was told that if I respond to the merchants response with more documents that I would receive a new deadline with additional time to upload documents, if Capital One decides they need more documents. I was later told this is incorrect and that I will need to upload additional documents by the original date, even if I upload documents and more documents are requested.
Consumer complaint received 2024-01-09
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your immediate attention a matter of utmost importance regarding my credit report. I recently obtained a copy of my credit report and was dismayed to discover the presence of a fraudulent account that has adversely affected my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXXXXXX I insist that you conduct a thorough investigation into this matter and promptly delete the fraudulent account from my credit report. Failure to take swift action will compel me to pursue legal remedies to rectify this situation, and I will not hesitate to involve regulatory authorities. 
I respectfully request that you begin your investigation into this matter promptly and keep me informed of any developments or actions that I should take to resolve this situation. 
Please communicate with me promptly to keep me informed about the progress of your investigation. If there are any additional documents or information needed from my end, kindly inform me so that I may provide them promptly.
Consumer complaint received 2024-01-09
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: EQUIFAX, INC. (MO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix it.
Consumer complaint received 2024-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

A demand for PORTFOLIO RECOVERY ASSOCIATES to remove all of its reports on my credit file or show cause to pursue Conclusive presumption of worthless debt and to deny my access to 1099-C Form. 1099-C Form is required reporting by individuals to the IRS once a debt has been declared a write-off or charge-off. PORTFOLIO RECOVERY ASSOCIATES has denied my access to 1099-C Form for the previous tax year reporting of XXXX XXXX XXXX XXXX. A violation of the Taxpayer Bill of Rights.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information to my credit repo. These inaccuracies have been detrimental to my life and credit health
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, that no consent is identity theft : 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 XXXXXX/XX/XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These inaccuracies are significantly affecting my life and credit health.