davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was selling an item on XXXX. The purchaser sent me a XXXX XXXX  cashiers check for XXXX. XXXX of that was to be paid to a moving company who would " pick up the item they puchased '' I deposited it into my bank. Then the buyer decided to back out of the deal and asked that i send him the remaining balance to his XXXX account.Thinking this was legit and made a second EFT for XXXX to the person for the remaining balance of the " bad cahsiers check ''. The very next day i see my bank also denied the bank issued cashiers check as it was fake. I immediately opened a claim with Chase to have the XXXX transactions cancelled and returned to my account. A week later i call up on the case and Chase explained to me since i made the transactions through the XXXX   system there was nothing they could do to recover the money since it was not in there eyes fraud. I called up XXXX and they advised me they can not help me because i did not go thru there mobile app that i went thru my banks system ( which used XXXX services ) to make the EFT. Now im XXXX lost and it seems both XXXX and chase are not helping me in this matter at all. I ask chase why partner up with a company that will allow for such scams to occur using there system
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

OneMain Financial Acct No XXXX Paid Off total balance on XX/XX/18 of {$1100.00} Received no further notices or statements from One Main Financial until XX/XX/18 received XX/XX/18 notice from One Main Account closed account for default XXXX called customer service and was told that a {$100.00} fee for renewal of line of credit was charged against account, that it was not paid, that it was written off and the notice of termination and default sent. XXXX told them he did not authorize any renewal of line of credit, that total account was paid off XX/XX/18 and no balance was owed. 
XX/XX/18 received XX/XX/18 revised notice of termination of account and waived balance. 
XX/XX/18 Reviewed statements online from XX/XX/18 through XX/XX/18. 
No {$100.00} renewal fee charged. 
XX/XX/18 online balance showed balance of {$58.00} however would only allow payment of statement balance of {$53.00} for XX/XX/18. 
Then went back online and paid additional {$5.00} for XX/XX/18. 
Balance now should be XXXX. 
I have no idea what the additional charges were for, did not receive any bills or notice of any default or request for renewal of line of credit after paying off debt
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Consultants, Inc. (MD)

Diversified Consultants reported on my credit report an account which is clearly not me. I have not used my credit in 5 years due to secret / divorce issue - REPORT NUMBER- XXXX Account XXXX
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is to inform you that there was no information has been received with our disputes. I am writing to express my concern regarding the lack of response to my previous disputes. I have submitted disputes to your bureau regarding inaccuracies on my credit report, and to date, I have not received any information or resolution. 
I previously submitted disputes on the following accounts : XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXXPLEASE DELETE!!!! 
Despite my previous attempts to address these concerns and seek correction, I have not received any communication from your bureau acknowledging receipt of my disputes or providing information on the status of the investigations. As a consumer, I am entitled to timely and accurate responses under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"
Consumer complaint received 2020-03-13
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. (NV)

These are not my accounts nor is this Chapter XXXX BK is mine. I have attached a letter. I am also a XXXX XXXX XXXXXXXX XXXX Veteran in which I am exempt from all student loans. I have attached a letter for that as well.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I opened a new Amex Aspire credit card via a friends referral. He recommended the card which comes with an attractive welcome bonus : spending {$4000.00} in the first 3 months upon receiving the card, the customer can earn XXXX XXXX XXXX points. I traveled a lot and XXXX is one of my favorite hotels, and this welcome bonus of XXXX XXXX points is the main driver for me to choose this card among many other choices. 

At the beginning everything seems smooth. On XX/XX/XXXX I applied the card online with my friends referral code, and my application was approved promptly. There was no warning sign, non pop-up window to state I am not eligible for the welcome bonus in any way. Instead, the application web page displayed the welcome bonus during the steps of application, making me feel reassured. 

In the next two months I pooled my spending together to this new card, and meet the {$4000.00} spending line within XX/XX/XXXX. Eagerly waited for several weeks, I was disappointed to see the bonus points was not deposit into my account. And so I contacted Amex customer service by web page messaging on XX/XX/XXXX, to ask whether I am eligible for the welcome bonus and did I meet the spending threshold. I got positive answers for both questions. Please see snapshots # 1 and # 2, where the Amex agent answered Happy to check that your qualified spend is already met. And I was told I can wait for more time for the welcome bonus coming. 

However it just did not come after more waiting. I was planning for a spring travel and without the XXXX points expected to come, I need to pay out of my pocket, which is very disturbing to my financial plan. And so I checked again with Amex web page messages. Very surprisingly, this time another Amex agent told me I did NOT get approved for the welcome offer, and the previous chat on XX/XX/XXXX seems to be some miscommunication regarding the declined offer. ( snapshot # 3 ) This is blatant fraud, or false advertisement at least, not miscommunication. Consequently, I am here to ask the help from CFPB to arbitrate the issue.
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (TX)

Penn Credit has continually called my phone searching for someone who owes them money, however, I am not that person. I have spoken with multiple staff members in XXXX of 2019 and specifically on XX/XX/XXXX, XX/XX/XXXX, and with manager XXXX XXXX on XX/XX/XXXX. I continue to get robocalls and voicemails asking for the person who owes the debt to call the number and settle.
Consumer complaint received 2024-10-21
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)

The sequence of events of the incident transpired between XX/XX/XXXX - XX/XX/XXXX thus far. The investigation is still transpiring a court hearing is scheduled for XX/XX/XXXX Police report was made On XX/XX/XXXX and again on XX/XX/XXXX regarding an individual who stole and held possession of my confidential and personal identifiable information and documentation. 

Since there has been multiple Hard inquiries on being reported to my consumer profile and is negatively affecting my consumer profile and FICO score. 
My XXXX  XXXX XXXX  that was also included in the items stolen has an increased limit during the duration of the incident - that was also reported. 

All Credit cards and documents have been reported stolen and replaced. 
I have contacted the companies to verify information that was used in attempt to create any known inquired accounts. 
A Freeze has also been placed. XX/XX/XXXX Hard inquiries listed on XXXX and Experian XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX
Consumer complaint received 2024-10-21
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. (FL)

I am writing to urgently notify you that I have been a victim of identity theft, which has resulted in numerous fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address this issue. 

I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am now demanding the prompt removal of these fraudulent items to restore the accuracy and integrity of my credit report. 

ACCOUNTS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Specifically, I am requesting the removal of 2 unauthorized accounts and 18 unauthorized inquiries from my file. It is crucial that my credit report reflects only accurate and legitimate information.

I trust you will handle this matter with the urgency it requires. Please confirm once the necessary corrections have been made.
Consumer complaint received 2018-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (TX)

XX/XX/XXXX *CHAPTER XXXX BK DISCHARGED AUTO LOAN DEBT AS EXEMPT " SANTANDER AUTO LOAN BALANCE OF {$22000.00} UPSIDE DOWN DEBT FOR XXXX XXXX XXXX XXXX XXXX PURCHASED ON XX/XX/XXXX FOR {$17000.00} WAS DISCHARGED '' XX/XX/XXXX *SANTANDER SENT ME " NOTICE OF INTENT TO ACCELERATE AND REQUIREMENT OF STRICT COMPLIANCE '' LETTER ADVISING DEFAULT OF CONTRACT STATING LATE ON MAKING PAYMENTS DEMANDING PAST DUE AMOUNT OF {$2700.00} BY XX/XX/XXXX -- MY ATTORNEY ADVISED ME SAME DAY TO DISREGARD THE LETTER BECAUSE IT VIOLATES BANKRUPTCY DISCHARGE LAWS XX/XX/XXXX *XX/XX/XXXX XXXX XXXX WAS STOLEN FROM MY DRIVEWAY, IN THE MIDDLE OF THE NIGHT, BY AUTO REPOSSESSORS HIRED BY SANTANDER.. MY SON HAD DRIVEN HOME FROM COLLEGE THAT WEEKEND ON EMERGENCY MEDICAL LEAVE FROM UNIVERSITY OF XXXX WITH ALL OF HIS BELONGINGS STILL PACKED IN HIS TRUCK, WHEN WE WOKE UP THAT SUNDAY MORNING TO FIND EVERYTHING GONE -- MY ATTORNEY ADVISED ME SAME DAY, THATS NOT LEGAL, BUT NOTHING WE CAN DO NOW XX/XX/XXXX *LETTER FROM SANTANDER STATES DECLINED FOR VEHICLE LOAN DUE TO " PREVIOUS REPOSSESSION '' XX/XX/XXXX *DECLINED AUTO LOAN BY XXXX XXXX, SANTANDER AFFILIATE XX/XX/XXXX *CREDIT INQUIRY FROM SANTANDER AUTO DECLINED APPLICATION FOR AUTO LOAN XX/XX/XXXX *OFFICIAL DOCUMENT LENDER PRE-APPROVAL FROM GOVERNMENT APPROVED LOAN TO ASSIST WITH AUTO LOAN QUALIFIED BY SPECIAL LENDING FROM BANKRUPTCY DISCHARGE DIVISION WITH XXXX DOWN PAYMENT ONLY NEEDING COPY OF TDL WITH PROOF OF INCOME DECLINED BY SANTANDER AS THE SPECIAL BANKRUPTCY DISCHARGE LENDER IT'S BEEN THREE YEARS AND FIVE MONTHS SINCE BANKRUPTCY DISCHARGE AND I STILL CAN NOT OBTAIN AN AUTO LOAN DUE TO SANTANDER FLAGGING ME TO ALL OTHER LENDERS AS A REPOSSESSION AFTER BK DISCHARGE WITH AN ATTEMPT TO COLLECT DISCHARGED DEBT ON VEHICLE THEY TOOK WITHOUT LEGAL COMPLIANCE TO BK RULES.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Im incredibly frustrated and disheartened by the lack of attention to my repeated requests to fix the errors on my credit report. Its been an ongoing issue, and despite reaching out multiple times, I feel like my concerns are being ignored, which is unfairly impacting my credit and peace of mind.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I am writing to formally dispute the inaccurate reporting on my credit report by Experian, XXXX, and XXXX concerning an account with XXXX XXXX XXXX. I have noticed that all three credit bureaus have reported that my debt with XXXX has been charged off due to negligence ; however, this information is incorrect. 

In XXXX of 2021, my vehicle, along with my credit cards, was stolen. Since then, I have been actively negotiating with both XXXX XXXX and my insurance company to resolve the outstanding issues related to the stolen credit card. Despite providing evidence of the theft and ongoing negotiations, XXXX XXXX XXXX has failed to correct the erroneous charge-off report. This has resulted in significant damage to my credit score and has created unnecessary obstacles for me during this challenging time.

The inaccurate reporting by the credit bureaus has further complicated my situation and caused undue financial stress. It is clear that the charge-off should not have been reported as the matter is still in dispute, and I am actively working with the involved parties to resolve it. Furthermore, this issue is directly related to the theft of my vehicle and credit cards, which should be taken into account when assessing the validity of the reported debt.

I am requesting that the Consumer Financial Protectio
n Bureau assist in ensuring that Experian, XXXX, and XXXX correct this misinformation on my credit report. Additionally, I ask that XXXX XXXX XXXX update their reporting to reflect the true status of the account, as it is currently under dispute due to the theft and ongoing negotiations.

Please advise on how I can further support this dispute and provide any additional documentation if necessary. I look forward to your assistance in resolving this matter and ensuring the accuracy of my credit reports.

Thank you for your attention to this urgent issue.

Sincerely,
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. 
I would like this item immediately re- investigated. The In accuracies are highly injurious to my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Tittle VI , Section 611, Please provide the names and business addresses of each Idividual with whom you verified the accounts so that i may follow up, Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-10-21
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)

There is an account and address that is reporting on my credit report that dose not belong to me. 
I have sent multiple letters to the bureaus and called i provided my drivers license for verification proposes that the account and address dose not belong to me. They are not removing this unknown account and address off my credit report I have even filed an FTC Report with my drivers license. This is really concerning i do not want someone else 's address and account on reporting on my credit report.
Consumer complaint received 2024-10-21
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. (TX)

Experian you are showing XXXX XXXX XXXX XXXXXXXX deleted the account and XXXX does not show the account under15 USC1681e { b } and 15USC 1681i it is mandated that all three credit reporting agencys have the same information on my report to be! 00 % accurate you are the only one reporting this account and the collection attached to it this is a clear violation of the USC codes
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX continues to report charge off for XXXX every single month. Be doing so, it unlawfully extends the statute of limitations of last reported use as well as impacting my credit screw as a new charge off every single month and lowers my score compounded every month False statement and representation : XXXX continues to falsely state it has been verified without any proof of verification.

Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2024-10-21
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. (GA)

I am requesting for the original copy of the agreement & terms and conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items. You are required to do what Im asking & block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 

ONLINE INFORMATION SERVICE XXXX Opened XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX {$730.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX {$600.00} XXXX XXXX XXXX Opened XX/XX/year> {$410.00} XXXX  XXXX XXXX Opened XXXX XXXX {$66.00}
Consumer complaint received 2024-10-19
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: Credence Resource Management, LLC (FL)

I disputed the following and ask XXXX to investigate these accounts ( XXXX, and credence XXXX ) these file are showing incorrect information and according to Fair credit reporting act and reporting agency to assure maximum possible accuracy. I send documentation from the creditor to XXXX and to remove credit file but they have not provided documentation about their process of how they were able to investigate. XXXX and Credence XXXX  management XXXX  agreed for pay for deletion.