davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I have a loan with JPMCB HOME LENDING, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB HOME LENDING and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX  and XXXX, and JPMCB HOME LENDING with no successful resolution. XXXX, XXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2021-05-20
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. (FL)

I am so surprised to see fraud misleading information in my credit report. Like I have inquires that I have never made. I do not recognize them but why do I have them? 

I feel like its a fraud and I filed identity theft report. Could you please check my credit report. For sure you will see there account and inquiries please investigate them and I hope you will remove them as soon as possible.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (LA)

I entered a consumer credit transaction with COMENITY BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that COMENITY BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2021 I received a call from what looked like my banks customer service number, It was in fact the exact number that was on the back of my debit card. I answered and it was a foreign man on the other line, he said he works with capital one and that my bank information/ account has been compromised. asked me if I was currently in Alabama ( I live in Louisiana ) and I said no, and he said that charges of over $ XXXX {$500.00} dollar were in my account and that He would gladly close my account and issue me and new card I got on my online app and I saw no such thing ( instant red flag ) he asked for personal information like the numbers on my card and 3 digit code on the back..I hung up and blocked the number. Today, XX/XX/2021 i received a call from a California number, I answered bc i work in a place where I receive phone calls from different states. Again, it was another foreign man telling me my account has been compromised and I said almost verbatim as the man last time. This time, this man had my name and my social security number. I am scared for my credit and personal safety. Please see fit that this information is true to my knowledge and it absolutely scares me to know that some random person out there knows my SS # and name.
Consumer complaint received 2021-05-20
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. (MD)

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and during that time XXXX fraudulent loans were opened in my name from XXXX XXXX XXXX XXXX. XXXX account was a personal loan Acct # XXXX opened XX/XX/XXXX and the other is an auto loan acct # XXXX opened XX/XX/XXXX. I have contacted XXXX XXXX XXXX XXXX to dispute these fraudulent accounts. I have also disputed these fraudulent accounts with Equifax, XXXX and XXXX but have yet to receive a reason why they have not been removed from my credit file. I have also sent them a police report and identity theft affidavit. This has gone on far too long. Please help to remove these fraudulent accounts from Equifax, XXXX and XXXX
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

Attempted to obtain my free credit report via XXXX and was asked several questions that " did not '' pertain to me. I have never taken out a mortgage loan and my revolving account was from XXXX nor have I ever taken out a car loan or lease! I verified my two most recent addresses and feel that the mail request for my personal and confidential information is a bit over the top! I have provided a copy of the documentation requested by XXXX  Again, I was denied online access because the questions asked were not at ALL pertained to my person! They are asking for my SSN, pay stub with SSN, W2 form, lease agreement and other things that are just too personal and confidential to send to this company. I accessed the other two reporting agencies with questions that were pertinent to me. 

Experian is showing my account to be potentially negative with a hx of never late, PIF and closing of account ... .I filed a dispute and also there are multiple addresses listed for me that I have never lived!
Consumer complaint received 2021-05-19
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: JPMORGAN CHASE & CO. (CA)

There are two Chase accounts reporting on XXXX and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Army and Air Force Exchange Service (CA)

was in the military and I got a military star card. I was on a able to pay everything off. Once, I left the service. However, trans world picked up the debt. And they said that they have the power through the franchise tax board to Intercept my taxes every year. So I pay {$500.00} on it. And what they tell me. Is this that it accrues interest everyday And so the balance basically goes back up to the XXXX again. Until tax time, I don't have to grand it just paid them off with. So every year for 12 years, they've been taking my taxes. And the {$2000.00} has still gone nowhere. It's been over 7 years, someone needs to can them. How do you get rid of them? Are they gon na steal taxes until I'm XXXX? 

Years ago I asked for info on account impossible for me remember the date when, it's XXXX and I have not been able to have taxes back for 11 years straight now.
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (CO)

I received a call on XX/XX/XXXX from this debt collector saying I owed money from a past due in a state I used to live in. The lady I spoke to over the phone told me she would send me a letter from their company and I never received one, so XXXX comes around and they call me again. I say I have never received it and the same lady tells me there is nothing she can do and that she can not send me another one. She offers to let me sign in their payment portal and I get disconnected. I tried to call back but this time a male answered. This was on XX/XX/2021 at XXXX XXXX  MST. He then asks if I have a friend I could borrow money from to pay this debt. I hang up because I cant believe that was said. I manage to call back and get the same collector employee who was handling my case. I was able to login to the portal and see my total amount. The amount due keeps getting higher. I decided to write a letter to get this debt validated. Since then it has been more than 30 days and no one has tried to contact me to validate my debt and the amount I owe just keeps getting larger and larger.
Consumer complaint received 2021-05-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (LA)

I applied to refinance my VA loan through Veterans United on XXXX. 
A credit check was run on myself and my wife on that day. At that time a list of our accounts, balances, and other credit information was made available to Veterans United.

My wife and I have an FHA Title 1 loan that is clearly listed as an account on our credit report and Veterans United was aware of this account, its balance, and all pertinent information on XX/XX/XXXX. 

As part of the refinance I was required to have an appraisal and termite inspection on my home. 
The appraisal was completed on XX/XX/XXXX and submitted to Veterans United on XX/XX/XXXX - I have included proof of when it was received by Veterans United.

The appraisal included the fact that there were multiple structures on the property ( a wood frame outbuilding as well as the main home ).

I heard nothing from Veterans United regarding the appraisal nor did I recieve any further instructions on a termite inspection. The instructions I last received were to order a termite inspection for my home. 

Eleven days after Veterans United received the appraisal listing the outbuilding, I purchased a {$250.00} termite inspection at my expense and submitted the documents to Veterans United.

The following day Veterans United contacted me and stated they required me to purchase a SECOND inspection on the outbuilding - another {$250.00}. 

I ordered the second inspection on XX/XX/XXXX for XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX from Veterans United called to inform me they could not go any further with the loan because of the FHA Title 1 loan.

Veterans United knew about that loan for SEVEN weeks while wasting hours of my time asking me to collect documents under the impression my loan was moving forward. They also wasted hundreds of my dollars directing me to order and pay for needless inspections.I had to use PTO from work to accomodate appraisals and inspections because Veterans United failed to perform even the most BASIC due dilligence on my account.

No financial variables changed from the beginning of the loan process to the phone call I received stating it would not be going any further. I did nothing to disqualify myself.

Veterans Unit failed to perform due dilligence on my information and negligently led me into the mortgage refinance process resulting in hundreds of dollars lost.
Consumer complaint received 2021-05-20
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. (TX)

We submitted disputes with all XXXX credit bureaus for a collection account XXXX funding that was not responding and double reported the debt for XXXX XXXX. XXXX  XXXX XXXX was paid off but XXXX funding is still showing a balance even after our disputes began XXXX. 

The bureaus stated that they verified the information ...? how is this possible when the company hasn't verified with us the debtor. 

Please help us get this resolved. Attached is the letters we sent XX/XX/21
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (TX)

My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : These inquires were not by permissible purposes and I want them deleted immediately and then send me an updated credit report within 15 days. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 


XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX-spring Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 2020
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Ive contacted the credit bureaus on XXXX, XX/XX/2020 and XX/XX/2020 about removing a chapter XXXX bankruptcy off my credit report. They provided me with false information saying that they verified the bankruptcy with the court. Which was proven to be a lie, which goes against the credit fair act. Ive contacted the bankruptcy court to ask about this. They sent me a letter stating that they DO NOT verify, or send any information to credit bureaus. So ive been trying to have this bankruptcy removed from my credit report for quite sometime now. It is really holding me back from what im trying to accomplish. So im really hoping filing a complaint will help me. I have the letter from bankruptcy court stating they dont provide information, or verify with the credit bureaus. That i will attach. Thank you
Consumer complaint received 2021-05-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TN)

We filed an insurance claim to fix our roof XX/XX/2021. Our insurance company spoke with our contractor and sent the check. The check is a three party check made out to me, my husband and the mortgage company. We contacted the mortgage company regarding the process. We endorsed the check and sent it to our mortgage company via Priority mail with tracking. The check took 2 days to arrive to the mortgage company. Included was the contractor 's signed paperwork and the insurance paperwork. I gave them a 2 week turn around time. Today is XX/XX/XXXX, over a month later and we still have not received the funds back from the mortgage company to pay the contractor. 

The check is in our escrow account. When I call, the customer service is poor, I stay on hold for over 30 minutes. Every rep that I've spoken to says someone will call me back or they will escalate. It has rained and our roof is substaining more damage and the gutters were torn off from the storm so the appearance of the roof is awful as well. The delay is totally unacceptable. Today I was told they had system errors and I would just have to wait. No Freedom Mortgage I will not just watch my property decline and just wait!
Consumer complaint received 2021-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello, I financed a used car purchase through CapitalOne Auto on XX/XX/21. I set up automatic payments on a weekly basis through my online account at capitalone.com. Their web portal allowed me to customize my payment preferences. For example, I was able to choose my payment amount and frequency ( weekly, bi-weekly, monthy, etc. ). For the first month or so, payments were coming out of my checking account as scheduled with no issues. 

I then received an e-mail today XX/XX/21, that said 'Hurry! Make a payment now to avoid being reported late to the credit reporting agencies. ' The email was from CapitalOne and also listed out a late fee of {$13.00} for a missed payment from XX/XX/21. I then logged into my CapitalOne account online and didn't notice anything in terms of my checking account link or otherwise that would've lead to a missed payment. I then called the CapitalOne hotline at XXXX and spoke to an agent who verified me and reviewed my account. This agent confirmed my recurring payment link to my checking account was in good standing. There was no issue in terms of funds in my checking account not being available. Frankly, she seemed stumped as to why I got the e-mail referencing a missed payment as everything on her end seemed to be in good standing. I pointed out the late fee of {$13.00} and asked that it be reimbursed. She took care of that fore me and then went on to say that the next payment is set to come out at the end of the week like it normally does and that everything is in good standing regarding my account. I proactively asked about the reasoning as to why I got the late payment notification and furthermore asked if this will be an issue in future months. She was not able to articulate a reason as to why I was charged a late fee nor why I missed a payment per the email I received. She gave me an impression that it may've been a Capital One system issues and was not able to assure me this would not be a recurring issue. From there, she discussed alternative payment methods such as making monthly payments and I was told that monthly payments will mitigate any future issue 's such as what I experienced this month with my weekly payment cadence. I felt pressured to then set up monthly payments which she helped me establish on my behalf moving forward. 

Best, XXXX XXXX
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I feel that Capital One is denying me for unknown, false or reasons such as discriminating as I applied on several occasions based on getting numerous emails requesting me to apply. 

Based on the reasons below they are fabricated and completely false as my income they has was incorrect which is why they asked me to apply again. When I applied the second time they gave me another falsified inaccurate reason as I have not opened any new revolving accounts for at least 2 years. 

When I called Capital One they were very rude and ended up hanging up on me and they said that I had to contact the 3 credit bureaus as they are the reason based on the information they received from them as to why I was denied. 

Below are the reasons I received on the letters I received from Capital One. 

XXXX ID : XXXX Reason : Based on your application, income is insufficient for amount of credit requested. 


Date : XXXX Reason : Based on your credit report from one or more agencies on the back of this letter, there are too many new revolving accounts. 


ID : XXXX
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (TN)

I recently transferred Dogecoin cryptocurrency to the Binance.US exchange operated by BAM Trading Services and subsequently sold a portion of it for approximately {$55000.00}. Binance requires accounts to be verified in order to withdraw cash. I have submitted the requested documents to verify my account, but the status has been stuck as pending for more than two weeks. Other users report having been stuck for long periods as well. I have submitted a support ticket which was immediately closed and received an automatic reply stating that they are not accepting support tickets on verifications at the moment due to a substantial backlog. The end result is that I remain unable to withdraw the funds from the sale of my cryptocurrency.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (CA)

I got the app to monitor my credit because I had no idea that all these spam calls where because of my credit score. Turns out I wasn't thoroughly helped last year when I need to report identity theft my identity was stolen credit cards and mortgage loans and insurance inquiries at least 12 where taken out. I never had a credit card. I did apply for XXXX XXXX  as I was XXXX at the time. I also has taken out a XXXX XXXX XXXX. Other than that I never got the credit card and XXXX was the loan company for my first car the XXXX in XXXX : XXXX XXXX keeps appearing and when I speak to experian they told me I applies for a subscription when I only wanted tot monitor my credit and XXXX  I meant to only monitor and see what was on there but my phone and phone calls where being hacked and rerouted and forwarded. I was also scammed in XXXX in XXXX and reported it but I can't get a real lawyer because all calls sound the same. I've called fbi the DOJ and osha. While being neglected by the healthcare system. Then I saw the DOJ purposely was neglecting South American citizens which I reported to the White House. In hopes for change. A direct answer and guidance.