davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (LA)

After multiple attempts to call with no resolve I am forced to submit this complaint. Experian continues to calculate my credit score AND report to lenders using inaccurate information. Experians website currently notes that my payment history includes 1 payment 30 days late, and 1 payment 60 days late. ( see attached ) ; however, Experian has failed to provide me with the account they are referencing a late payment for. How can you report those late payments, yet can not provide me with the documentation to support the late payments your system is using to suppress my score and flag to potential lenders that I have a recent serious delinquency? This is a violation of the FCRA in that you are not REPORTING 100 % accurate information. This is damaging to me in these times of high interest and extreme scrutiny from lenders. Please provide me with the information including account number, date, and where you are reporting this on my credit file, that supports your reporting of 1 - 30 day late payment and 1 - 60 day late payment. Please note : I AM NOT DISPUTING ANY PARTICULAR ACCOUNT, I AM DISPUTING THAT EXPERIAN IS ERRONEOUSLY REPORTING INFORMATION AND INCLUDING THIS IN THEIR SCORING CALCULATIONS AND WILL NOT PROVIDE ME WITH THE INFORMATION BEING USED TO OUTPUT THE NEGATIVE MARKS PICTURED IN THE ATTACHMENT.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (OH)

Upon opening the account the week prior, I specifically noted that i would be linking my card to XXXX  and purchasing crypto currency. I was told this would NOT be a problem. On XX/XX/2023 I put through a transaction to XXXX  for {$1000.00} with my US bank Debit card. immediately received a text message asking to verify the transaction from the fraud department. I verified I DID AUTHORIZE THIS TRANSACTION and it was not fraud. They refused to process the transaction still. I called the fraud department and was told they saw that I authorized the transaction and STILL REFUSED to put the transaction through. They have unlawfully denied an authorized transaction i have made and prohibited the disbursement of my money.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/2023 I wrote a check from my Chase account and mailed it at a post office. The check was then fraudulently endorsed and cashed on XX/XX/2023. The person who fraudulently endorsed and cashed the original check then created 4 fake checks using my signature and cashed these checks at a Chase account. Chase has reimbursed me for the 4 fake checks that hit my account, but still has not reimbursed me for the funds on the original check despite my repeated requests for them to do so. I have called them several times and visited the XXXX XXXX XXXX ( XXXX ). They said they can't do it until their investigation is complete, despite this being a very clear case. I insist that they return the funds immediately and I strongly suggest that their practices be review as they did not offer me even a minimal level of protection by cashing a check with a name on the back of the check that did not match the front ( please see the attached picture of the front and back of the check ). This was clearly fraudulent and anyone who had taken a look at the check would have realized this. I have been greatly inconvenienced by this.
Consumer complaint received 2023-09-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (WA)

I sent a Verification of Debt Request letter to Frontline Asset Strategies on XX/XX/23. This letter was received by them on XX/XX/23. As of the present date ( XX/XX/23 ), I have not received verification of the debt that this company is attempting to collect from me. Per the Fair Debt Collection Practices Act this information was supposed to be provided to me within 30 DAYS of receipt of the letter. Due to the failure of Frontline Asset Strategies to provide the information requested, they are violating my rights as a consumer and under the Fair Debt Collection Practices Act.
Consumer complaint received 2023-06-08
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 2023-01-04
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: Experian Information Solutions Inc. (OH)

While reviewing my report again, I found several inaccuracies which are once again causing my home loan application to be turned down through XXXX XXXX. I have sent repeated letters to the respective companies, and this is my last attempt before taking legal action. My attorney suggested I send this last letter. I would very much appreciate you deleting the following mistakes on my credit report. Enclosed. you will find copies of the necessary documentation that will correct the information you XXXX have received in error, along with a copy of the credit report in question. The items referred to below and needs to be deleted from my credit report. 

XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT ( Closed ) # XXXX I have had my life on hold now for XXXX years trying to fix my credit report. The mortgage professionals at XXXX XXXX XXXX XXXX XXXX, have informed me that need to get these items taken off my credit report as soon as possible, because it is inaccurate and needs to be fixed. 

Thank you for your assistance.
Consumer complaint received 2023-04-11
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: SANTANDER HOLDINGS USA, INC. (TX)

under the law 15usc 1681 Santander Consumer usa did not have my consent to furnish anything to my credit report. my credit score has drop points because of 'serious delinquency ' furnished without my consent ( payment for car has already been sent ), 'recent miss payment ' furnished w/out my consent, 'Bad payment history ' furnished without my consent, 'few accounts paid on time ' furnished w/out my consent. The payment for the car has been sent also and they neglect to remove such inquiries that were reported to all 3 credit bureaus without my consent. They also didnt respect my rights under law 15 usc code 1605 that finance charge includes any loan fees, document fees, and they took a downpayment when its illegal without my best knowledge of 15usc code 1605 at the time. They also demanded for an insurance of my part when under the finance charge it includes premium insurance from there part to cover there loss in case of anything. Not only that but the car salesmen forgot to make me sign a document to he was harassing me for 2 days to the best of my knowledge, a bunch of phone calls, went to my house w/out letting me know, even went to my job to force me to sign this document.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX has violated my rights with 'Account # XXXX '' with the misuse and and misreporting of these accounts on my report. They should deleted immediately due to my rights as a consumer. The rights are listed below : USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

This is regarding two accounts : Capital One 360 Checking ( XXXX ) and Capital One 360 Performance Savings ( XXXX ). 

My wife and I sent written, notarized closure requests dated XXXX XX/XX/2023 via XXXX XXXX Mail to Capital One at XXXX Capital One XXXX, XXXX, VA XXXX and Capital One, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX ( forwarded to XXXX XXXX, NV ). XXXX tracking reports these requests were received by Capital One on XXXX XXXX and XXXX XXXX, respectively. 

We mailed these requests to the addresses given on Capital One 's website ( https : //www.capitalone.com/help-center/contact-us/bank-account-support/, https : //www.capitalone.com/about/corporate-information/corporate-offices/ ) and as given on our bank statements. 

We received no acknowledgement/response from Capital One to either the given email or mailing address as on file with our account ( s ), though we continue to receive emailed, automated statement notices and a great deal of phishing email impersonating Capital One. 

We sent follow-up requests via XXXX XXXX mail dated XXXX XX/XX/2023 to Capital One Bank/Financial Corp. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX received XXXX XXXX ) and to XXXX Capital One XXXX XXXX, VA XXXX XXXX received XXXX XXXX ). 

To date, we have received no acknowledgement/response, queries, outreach or guidance from Capital One with regard to our closure request to either the email or home/mailing address provided and as on file with our account ( s ). For this reason, and because we continue to receive only automated account notices from Capital One, we suspect our closure request has not been processed.

We feel we have given Capital One a more than reasonable amount of time to process our closure request and to remit written confirmation that our checking and savings accounts have been closed. Because Capital One has failed to communicate anything whatsoever to us in regards to this closure request, we are reaching out to the CFPB for help.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Consumer complaint received 2023-04-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (TN)

i complained to the cfpb about bridecrest re aging my account and how i want this account deleted and to get monetary compensation for what they done to my credit report. 

two days after i complained to them i started receiving several calls and voicemails from people at bridecrest about this account. these calls and voicemails were threatening to me and seemed like retaliation for complaining that they were violating my concumer rights.

Section 660.3 of this part requires each furnisher to establish and implement reasonable written policies and procedures concerning the accuracy and integrity of the information it furnishes to consumer reporting agencies.

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information.

they knowingly put this information on my credit report which has caused me huge amounts of financial harm
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Experian has been intentionally altering my credit report to reflex negatively when I dispute an account. I have sent an identity theft report, a police report and several disputes. Experian has violated my FCRA rights as a consumer several times. I have sent several demand letter and they have refused to correct my credit report. A fraudulent credit card by XXXX XXXX XXXX XXXX was placed on my credit after gaining access to my file after Experian and mixed my credit file with someones elses. I called the creditor to explain the situation and close the account. After the account closure I began seeing several late payments pop up and the reporting data is inaccurate and suspicious because that information isnt being reported on other credit reports. These are malicious acts from Experian. I started to notice I would get emails from Experian stating I needed to send more documentation but I had already sent those forms or if sent a police report the email would state they need the full report which it was. The last time I contacted Experian I asked when will my dispute be completed they informed that day was day 1. Then I asked about why do I keep getting emails about uploading documents I already sent to the customer service person informed that every time I upload documentation my dispute starts over. So I realize it was a tactic Experian is using. Experian has refused to remove the inaccuracies, I requested proof of debt which they cant provide, there actions are malicious and intentionally. They just reported the account as 90 days late but it they also reported the account 30 days late 3 times, then 60 days then 90 days. It changed from 30 day, 60 days to what being reported now. I have informed Experian that if they continued these tactics I would seek monetary damages in Federal court. I included my XXXX report to show that it was reported by XXXX XXXX that my financial responsibility has been terminated and there is no longer a balance. I also forwarded that information to Experian and they still continue to report inaccuracies on my credit report. 

Im addition XXXX has failed to even dispute my claims. They were sent certified dispute at the same time as Experian. XXXX doesnt allow me access to my credit report directly through there site. I also attached proof of certified mail regarding my dispute which included a detailed dispute a copy of my Drivers License, SS card and police report.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (IL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.
Consumer complaint received 2023-08-03
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report 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 2023-04-28
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. (SC)

XX/XX/XXXX - In reference to my compliant ID number XXXX. XXXX XXXX responded with to my compliant with the documents that I requested. I requested a payment history dating back to XX/XX/XXXX to XX/XX/XXXX. I am disputing two factors that are reporting inaccurately. Lets start with the Cares Act which is in effect for consumers.The CARES Act and Payments to Creditors and Lenders. Under the CARES Act, creditors must make accommodations for people having trouble making payments. This does not mean that you can stop making payments. It means that they must offer you some other type of payment arrangement. You must contact your creditor or lender to make any special arrangements. The arrangements they make with you will vary. In XXXX of XXXX I was offered a Extension Agreement by XXXX XXXX. The extension was for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the document for Extension Aggreement and highlighted and circled the date to coinside with the Payment History documents that I requested. The CARES ACT LAW clearly states.CARES Act and Credit Reports : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. As you can see this act applies to me according to the law. I was current before the law was established therefore The law requires creditors toreport any account that has a payment accommodation applied to it as current to the credit compaies as long as the account was current when the accommodation was made. As you check the payment history you will notice that I was current with my payments before request help do to Covid 19. My second dispute is the inaccurate reporting of the late payments. As you check my credit reports you will noticed the reporting date do not match the XXXX payment history date and amount of days late. The Equifax report is saying 60 and 90 days late and the XXXX financial is reporting 30 and 60 days late. The Fair credit reporting act clearly states that a consumers credit report MUST be reported ACCURATELY. Documents attached as proof that XXXX is report false information to my credit reports sence XXXX.
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC (IN)

COLLECTOR KEPT CALLING MY DADS CELL AND FAMILY MEMEMSBER 7 TIMES AFTER CEASE AND DESIST COLLECTION AND DO N'T CALL ORDERS. 

WE ARE GOING TO SUE FOR {$500.00} PER CALL