davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX I submitted an online application for the Chase XXXX XXXX and responded promptly to two emails for further verification XX/XX/XXXX and XX/XX/XXXX. 

As instructed, I uploaded copy of my drivers license and recent utility bill in response to the first email and mailed a copy of my drivers license in response to the email received XX/XX/XXXX. 

I was also emailed five or times to review letters in my online account application. Prior to XX/XX/XXXX, none of the letters appeared in my online account. 

Per conversation with customer service, Friday XX/XX/XXXX, I was informed that my application was denied because the balance transfer I authorized with the application could not be verified. ( Verification was submitted two times ). 

With further discussion that Chase has issues with interfacing technology and that my application was not accessible to remove the balance transfer request, I was advised to submit a second application without a balance transfer. 

When I contacted customer service the following week XX/XX/XXXX, I was informed that the XX/XX/XXXX application was auto declined because the recent XX/XX/XXXX application was declined and that additional verification was needed. 

On XX/XX/XXXX the Relationship Banker at a nearby local branch transmitted imaging of my Drivers License and requested expedited reconsideration explaining the circumstances of the declined applications. The Chase associate he contacted advised that I would receive a decision in one to two days. 

A week later XX/XX/XXXX, the applications were still in reconsideration status pending further verification. Per conference call with the local Chase XXXX and the department he contacted, the mailed copy of my drivers license and the XX/XX/XXXX transmitted imaging of my drivers license were still not in my file. 

With resignation that all efforts to verify identity were exhausted, I notified customer service XX/XX/XXXX to discontinue any further consideration, that I was hereby withdrawing and canceling the applications.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (CA)

I have 5 unknown inquiries on my credit report. I have filed with each of the companies and expressed the fraud concern. They have not been removed from my credit report through all 3 bureaus. Investigations pending and being asked to report to FTC.gov for further proof / documentation. 

US BANK - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX via XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (SC)

I am disputing a charge for new flooring in the amount of {$9200.00} the charge was made on my Wells FargoXXXX credit card. My claim ID is XXXX. The floors were not installed properly and never finished. When I submitted the claim I was told it would take 60 days to resolve. It has been nearly 8 months since I submitted my claim. 
Prior to submitting the claim, I allowed the company, XXXX XXXX, an opportunity to fix the floors and they wanted to fix it with a stain marked. This is not an acceptable solution as the marker doesn't last and will come off with the first mop. The floors are ruined and can not be fixed. The floors need to be replaced. Glue has cured into the grooves and has left a white haze all over my new floors. 
The claim was submitted with XXXX XXXX before the job was ever finished. ( Claim number XXXX ) The company has been given multiple opportunities to fix the problem but the only way this can be fixed is to replace the floors. All I am asking for is a refund and I will have a more professional company redo their mistake.
Consumer complaint received 2022-01-30
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. (PA)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-31
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: Experian Information Solutions Inc. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-30
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. (CA)

On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts are to be blocked and cease to be reporting on my consumer file.
Consumer complaint received 2022-01-31
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. (KY)

I have some fraudulent accounts on my credit report that I did not authorize and the Credit Reporting Agencies are violation my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. If my issue is not resolved I will seek remedy and will move forward in the court of law.
Consumer complaint received 2022-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

It is a new season and the time for people that are in low to moderate debt like myself to fix their reports are now. Within the past year my accounts have been overcharged, froze, added monthly fees for an example reporting that I owe twice in one month and dont ( XXXX XXXX refusing to accept payments ( Capital one ). 
My history of credit isnt too good. Lets take a look into why Im authorized XXXX credit cards without XXXX benefits/limits. For over 15 years only authorizing {$200.00} credit limits with several companies. I have often thought am I case for a loan shark? Or is it credit agencies stopping me as soon as they lend me the credit also considering is the healthcare provider Im using targeting my personal welfare. 
Nothing is clear about the lengthy process in history of wanting Excellent credit but only rated poor. Thats not fair. Today I owe {$24.00} to Capital One they will not accept my payment. XXXX has falsely reported XXXX late payments and I dont owe. 
How can I get assistance with small businesses passing my information from desk to desk. 
I want good credit and I want it Now. 
Your so kind for properly handling my case today. 
*Please note I am U.S. citizen not an Alien. * Sincerely, XXXX XXXX
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

The transition of BB & T and SunTrust into Truist has created an unbearable customer service issue. Wait times are over an hour. Former SunTrust branch employees ( XXXX XXXX XXXX in XXXX ) told me that they can not assist me without coming into the branch and presenting ID as of XXXX XX/XX/2022. 

Communications from the staff indicate that XXXX XXXX is the first date we should expect " connected '' services. 

My husband and I have spent cumulatively XXXX hours or more to get to any telephone support. 

Meanwhile, Truist is spending money to advertise, but is not investing in reasonable customer service assets. 

We do not have access to transfer funds from our account, despite a ~ $ XXXX balance as of this correspondence. 

XXXX XXXX
Consumer complaint received 2022-01-31
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: Experian Information Solutions Inc. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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
Consumer complaint received 2022-01-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I was looking at my updated credit report and noticed that there is an error that need to be resolved immediately! I feel like I am being taken advantage of. XXXX XXXX XXXX is reporting that I am 30 days late causing my credit score to drop. It is Defamation of Character and is something that I take very serious. I never made a late payment on this account and was a very good customer paying this loan off. I have tried to resolve this issue and I am not getting the help or response I need. My consumer rights are being violated and I will not allow this to happen. I did some studying on my rights granted by Congress and learned that this is a Billing Error. According to 15 U.S.Code 1666 ( b ) ( 2 ) - Billing errors caused by not providing documentary evidence as defined as 15 U.S.Code 44. Pursuant to 15 U.S.Code 44 documentary evidence include all documents, papers, correspondence, books of account, and financial and cooperate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require the clarification in order to address the billing error for the alleged debt. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open on this account as described in IRS Publication 583. The Credit Reporting Agencies are in violation of my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. It is against the law to furnish information without my consent. Reporting this account as being paid late is causing me a great deal of harm. I will seek remedy if my issue is not resolved immediately.
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (TN)

( AD ASTRA RECOVERY ) at ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) has been sending me collection notices in the amount of ( {$140.00} ) the collection has been reported as past due balance. I due not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-01-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mercedes Benz Financial Services (PA)

1. Note all Complaint ID Numbers and Dates XX/XX/XXXX Complaint ID XXXX XX/XX/XXXX Complaint ID XXXX XX/XX/XXXX Complaint ID XXXX All With CFPB and still you yet seen not to see the fraud in hand. 
1. Date of One " Retail installment Sale Contract Form ( XXXX XX/XX/XXXX ) '' With Billing Error All Different Dates One Agreement One Day Of Sale Notice Correct Date Footer as well as Time. Clear Individual Act. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all paperwork submitted here to CFPB as well as Mercedes-Benz 2 . Debt Validation and or Debt Verification Request Letter and More sent to Mercedes-Benz in XXXX of XXXX When I, Living Man, the Consumer Took Notice of The 15 USC 1692e False or misleading representations. 15 USC 1692j Furnishing Certain Deceptive Forms, ( Correcting of Billing Errors ) 15 USC 1666, Youve Failed all Three Times to Address Situation CFPB 3. Power of Attorney Paperwork Fraud Not I, The Living Man, Signature, Youve Failed all Three Times to Address Situation CFPB ( Paid for Proof From The State of Pennsylvania DMV ) Not sent or on record anywhere for consumer to see except DMV and Consumer has to pay for Information 4. False Signature on Title Fraud ( Not even Consumers Name ) Youve Failed all Three Times to Address Situation CFPB ( Paid for Proof From The State of Pennsylvania DMV ) Not sent or on record anywhere for consumer to see except DMV and Consumer has to pay for Information 5. Proof of payment and Mercedes-Benz not accepting payment, Letter sent by Mercedes-Benz 6 . Paperwork Properly Submitted XX/XX/XXXX Up Until Todays Date all Ignored By Mercedes-Benz as well as CFPB Clear Open & Shut Case for Violation Of Consumers Rights All in Which was not Addressed Point for Point by Mercedes-Benz as we as CFPB Note : I'd like to request AGENT of all three case numbers as well as new one submitted, I, the consumer, as well as, the Living man, would like to request full investigation of all said complaint numbers of all said AGENTS. Note : CFPB AGENTS has Failed all Three Time With State Proof Here on This Platform to address the Individual Acts that has been committed, as well as Merceds Benz Sending Proof of Fraud Here on This Platform as well and CFPB has Failed to address the Individual Acts that has been committed. 

Date XXXX XXXX, XXXX XXXX Sending Proof of Fraud when in fact, They have Stolen Land Vessel Before Addressing Consumers Proper Paperwork Sent to Mercedes-Benz Back in XXXX of XXXX. 
Note : Needs to be escalated Due to Multiple Submissions of Same Proof The CFPB is to Address This Matter in Good Faith
Consumer complaint received 2022-01-31
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. (CA)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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. (OK)

I have tried several times to submit a dispute with Equifax via their website. The dispute page refuses to load. I have even called them for assistance. An account is showing up on my report that doesnt belong to me. I was an authorized user at one time. I do believe the account has been closed or the account number changed. Ive been trying to have this removed since 2021
Consumer complaint received 2023-06-12
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: Avant Holding Company, Inc. (CO)

i have a account with avant in which for some reason they are saying XXXX and with XXXX different opening dates with different addresses. To where recently i have realizedthat i am a victim of identitytheft/fraud/impersonation as well as a victim to sim swapping/hijacking on all my accounts online and offline to where my mail has/is being effected too. i have made police reports etc in order to rectify this. i have repeatedly the past XXXX  months called avant asking for my statements and all correspondencs to be sent to me by mail XXXX XXXX in so i can go over them in which they have refused and have stated that they can only send the last few which is bull. i have called and reported fraudulent/suspicious activity as well numerous times and sent in a dispute letter stating that i need to make sure my address and name are correct as well as issuing a new card and to investigateit. i also noticed that different payment amounts have been taken out on different dates that were not authorized nor agreed upon as well as i have never paying from a online account either Some of the auto matic payments that have always been set up since the first payment on theis card is not being shown on the correct dates made and charging more i yrest than agreed upon and a yearly account fee. to where im not sure what is going on but i know that i have made payments on time every month except last month through autopay through wells fargo. i have even sent in a dispute letter to make sure my name is correct and to report the discrepancies that ive seen again as well as to correct any information if it is wrong to and to cancel the cards and send new ones with correct information with also sending all statements and correspondences that way i can go through them completely and accurately to be able to dispute which transactions i did not make. they are still charging me late fees and intrest as well as not doing what i have asked for XXXX months. to where this isnt reasonable i will absolutely pay for what i have spent but i need all statements and correspondencesand to know how many accounts or cards or users there are on my account in order to see what is mine and what isnt because i should only have XXXX. then will make payments as to what i did spend. plus i have a credit freeze and they sent me another card.