davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

In XX/XX/XXXX, XXXX went into a lock-down because of XXXX, so I ended up not having a job. Because of XXXX, I had no way of making monthly payments for my vehicle. I decided to call Infinti Finance Department telling them about my situation regarding making payments.

The employee I spoke with placed me on a forbearance for one month and told me I dont have to make the payment at the end of the forbearance, but that my loan will be extended from the original time it was supposed to be paid off. 

Another month went by, and I still wasnt working, so I called Infinti Finance. They put me on another month of the forbearance. I called the finance department around XX/XX/XXXX requesting to take me off the forbearance so that I could start making payments, which I did moving forward. I set myself up autopay at that time. 

Sometime in XXXX, I received an email saying that I had to pay double the amount for the billing, so I decided to call Infiniti about the matteras I was on autopay. The agent on the phone told me to ignore it and continue to make my monthly payments, which I did as it was set onto autopay. 

XXXX year later in XX/XX/XXXX, I noticed that my credit score dropped horrifically. I called Infiniti and they said that I had XXXX late payments. I was very confused and shocked to find out I was late on a payment because I am on autopay. I asked Infiniti Finance to find out if I can get the situation resolved and they said that it wasnt possible. I even paid what they said I owed, which was the two monthly payments plus the original that comes out automatically every XXXX of the month. 

I am a XXXX XXXX who is serving on XXXX XXXX, and they still wouldnt attempt to accommodate me. I tried telling them exactly the story about how I noticed a double payment and was told by a representative to ignore. A year later I find out it resulted in XXXX of negative late payment remarks on my credit reports. 

At that point I tried disputing for over a year with no results, no help, and no guidance. They dont even care if youre a XXXX XXXX, so I dont know why they even have a XXXX department in their finance department because it very misleading.
Consumer complaint received 2023-10-12
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. (CA)

I am writing to dispute and seek the immediate resolution of a fraudulent bankruptcy account that continues to persist on my credit report, despite my previous attempts to have it removed. This unresolved issue has been causing substantial harm to my financial well-being, and I demand that it be addressed promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXXdismissed Reference number : XXXX XXXX XXXX  XXXXdismissed Reference number : XXXX This fraudulent bankruptcy account is erroneous and has no association with my financial history. I have previously filed disputes regarding this account with your bureau, providing all necessary documentation. 
Despite my XXXX efforts and the provision of substantial evidence, your bureau has failed to take the necessary steps to investigate and rectify this issue appropriately. The continued presence of this fraudulent bankruptcy account on my credit report is causing significant harm to my creditworthiness, making it difficult for me to access financial opportunities and services.
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase froze my checking account today. They would not tell me anything except that in 10 business days my account will be closed, 10 business days after that I will receive a cashiers check, and I will receive a letter in the mail. They refused to give me any other information. I spoke with 5 different people in the fraud department today and they all said the same thing as noted above. 

My problem is that I had {$24000.00} in the account which is all the money that I have. I have no money to pay my bills, for food, or gas for my car. 

What can be done to get them to release my money immediately? I can not wait 20 business days to receive at check.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NJ)

I had a Wells Fargo account and they charged me off for what reason i dont know, and now they are trying to charge me {$260.00} or so. I called to complain about fraudulent charges on my account, and they just brushed me off, and told me they cant do anything for me. Wells Fargo is doing shady business, and its sad you ca n't even trust your own banks anymore. I would like to get this taken care of please, because they have crippled my credit and score bad.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one was involved in a data breach and my info was compromised. I had no idea there was lawsuit and payments were sent out to members. If it was not for social media I would not have had any idea to inquire. Reached out last week and spoke with a representative by the name of XXXX on their toll free # XXXX. Was advised that I was a class member and that I was eligible for the settlement but I never responded to an email that was sent to me. I never received an email from them or anything in the mail either. So needless to say there was nothing I could do and it was too late. But my info has been used numerous times because of this data breach for people to Open up bank accounts in my name using my ss # and address. They did not notify their customers properly and I am Not the only one who was not notified either. To me it seems pretty obvious and clear they did not want all of their members to know about the pay out.
Consumer complaint received 2023-10-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NC)

I was never properly contacted by the original creditor informing me of the supposed debt. I was never provided with comprehensive documentation of itemizations that supported the amount of the supposed debt. I was only made aware of the debt when I was alerted to it upon reviewing my credit report. I have also never received tangible verifiable documentation of the debt via the collection agency handling the debt, Hunter Warfield. I contacted Hunter Warfield directly on XX/XX/2023 at XXXX regarding the debt, requesting all information regarding the amount of the debt in question, all details of the calculation process as well as the date the debt was created. Once transferred to the appropriate department, the agent I spoke with possessed an unprovoked disrespectful tone throughout the interaction citing that it was my fault that I was never provided with the details of my debt and that we needed to work to resolve the debt that day to avoid court action against me. The agent then disclosed that {$500.00} of the debt was being charged to me for damages that were incurred as a result of a break in that supposedly occurred some period of time after I was no longer legally a tenant of the address and was residing elsewhere, which doesn't even seem legal to me in the slightest. Due to the agents demeanor and his unnerving claim, I ended the phone call.
Consumer complaint received 2023-10-11
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (PA)

I contacted XXXX at the company multiple times and she informed me her manager was handling these issues and removing me from the collections. It has never happened and the debt collection company keeps contacting me... I want to be removed and never contacted again...
Consumer complaint received 2023-10-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My available credits got steal, there is supposed to a XXXX $ transaction showing on my app. 
It was showing this transaction two days ago when I checked my credit account though the app, but today when I checked again, this transaction just disappeared on my account and my credit availability supposed to be more but the bank only gave me less then XXXX $ .As I calculate and know, it supposed to be XXXX XXXX dollars more for my available credit. But I dont know why money is gone. I have tried to contact with the specialist 4 times, but they always gave me different answers and not solve the problems. They didnt answer my questions clear and also some of them just trying avoid the responsibility to the other person.this is very unprofessional behavior and lame customer services. 
I dont know what to do.I know its not a big money but it happens couple time already when I using the card, before I wasnt that care until now
Consumer complaint received 2023-10-12
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. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Thru numerous letter disputes I've sent out on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX ... I've pleaded with the Equifax, XXXX, and XXXX  that they were reporting inaccurate information due to the following accounts : " XXXX XXXX which is an account that was removed from my credit report and now reappears and as the information reporting clearly determines its an re-aged account and the information reporting doesn't add up, meaning how can a account be opened in XX/XX/XXXX and have date of last activity of XX/XX/XXXX? Account : XXXX XXXX : which shows on some bureaus as Charged-Off/Collections and on others as " Open ''? How is this the case especially when the charges to the account was made by someone other than myself as I told them without my permission and their employee authorize the transaction, which I shouldn't be held accountable for ... Account : US BK XXXX : an account that has clearly not been investigated or verified properly because I've never had an account or credit card with such company and my SSN doesn't match that person they're accusing. Account : XXXX XXXX ... account is reporting inaccurate information by all 3 bureaus as I pointed out on the above dates and neither is yet to send the proper documents or paperwork verifying the account. Simply due to the above facts and information taken from the individual credit reports, these accounts should be removed from my credit file as its hindering me from obtaining the lifestyle of having excellent credit or building decent credit. Again I've pleaded with them and pointed out the mistakes on the credit reports and all they seem to come back with is this account has been verified, which is not true. I've even reached out to the original creditors with no response of verification of said accounts, not to mention neither bureau responding to my XX/XX/XXXX dispute letter, which is way beyond the 30-45 days that's required by law.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX Balance Owed : {$7600.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-11
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. (SC)

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. 
Account name : # XXXX, Account number XXXXAccount name : XXXX XXXX has violated my rights. 
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 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IA)

I got all of my belongings stolen XX/XX/XXXX and my wallet had my social secuity card, drivers lisences, etc. inside of it. Now these people are applying for credit cards from Chase ( XXXX XXXX ), XXXX  XXXX XXXX ( XXXX XXXX ), XXXX  XXXX ( XXXX XXXX ), and XXXX ( XXXX XXXX ). All of the companies have either called or sent letters in the mail that I have filed an application for a credit card ( when I have not at all ) it was the people who stole all of my belongings trying to file credit cards under my name.
Consumer complaint received 2023-10-12
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One did not inform me that my data had been at risk as a result of the data breach in 2019. Capital One also did not contact me regarding the Settlement. Because I was not properly informed, I can not join the settlement because the deadline has passed. It was Capital Ones responsibility to contact all users affected and failed to do so. Ive had issues with my personal data bring on the black market since this breach and wouldve liked to be contacted as well as compensated. I did not exclude myself from the settlement either.
Consumer complaint received 2023-10-11
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. (FL)

Why do you keep on closing my complaints?! I've had submitted XXXX complaints now, they are both closed immediately and marked as no longer action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GA)

I applied for a JP Morgan Chase Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Consumer complaint received 2024-08-26
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. (TX)

My account with GLBLNDSVCS was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports