davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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. (MD)

If, after any reinvestigation after paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. I sent out validation letters to 2 credit bureaus ( Experian XXXX XXXX ) to verify the following accounts below. The credit bureaus VERIFIED INACURATE DATA. Here are those accounts that were in dispute : Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate Experian reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX - 'Date Reported " is inaccurate Experian reports XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX The account has already been deleted by XXXX due to these inaccuracies but XXXX & Experian have yet to delete them and I'm requesting assistance with the deletion of this account through CFPB. Account : XXXX XXXX XXXX XXXXXXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date Reported ' is inaccurate on 2 bureaus Experian reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Requesting deletion of this account due to inaccuracy even after reporting agencies reported information as verified. Account XXXX XXXX XXXX XXXXXXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate on 2 Bureaus Experian reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX - 'High Balance ' is inaccurate on 2 Bureaus Experian reports : {$0.00} XXXX reports XXXX {$520.00} XXXX reports XXXX {$1300.00} Attached files to show inaccuracies are from XXXX
Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

XXXX XXXX XXXX is representing the holders of our mortgage and the servicer, Ocwen. They filed foreclosure in XXXX. We filed counterclaims for breach of contract because the loan servicer, XXXX XXXX, did not properly apply payments. 

XXXX XXXX, lawyer at XXXX XXXX, obtained and presented a false affidavit written by XXXX XXXX of Ocwen, the current loan servicer. This false affidavit states that we did not make payments in XXXX & XXXX of XXXX causing us to be behind in payments. 

This is completely false and is proven with the new mortgage modification agreement that we entered into in XXXX XXXX that recast the interest from XXXX and XXXX of XXXX, added it to the principal balance with the first modification payment due on XXXX XXXX, XXXX. 

This contract is a simple, common, unambiguous mortgage modification contract. This type of contract law is taught in the first semester of law school. XXXX XXXX has been an attorney for some time now so it would be a natural conclusion that she is capable of reading a very clear and simple contract. Therefore she is well aware that the affidavit she obtained from XXXX XXXX is false and contradicts the very contract that is being foreclosed on. Other business record evidence that supports the contract includes phone records and payment records. 

Not only did XXXX XXXX commit perjury, XXXX XXXX knew that the affidavit was false and still filed it as evidence in this case. I truly believe that XXXX XXXX committed suborned perjury by knowingly convincing XXXX XXXX to write a false affidavit.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2023-11-08
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/23, I decided to make a Chase Secure checking account and move all of my funds over from XXXX bank in a form of a cashiers check. I did not have any other Chase products except a Slate Edge card which allowed me to create a checking account using their online banking system. Creating the account was a smooth process and was told that my debit card would be arriving shortly. I decided that same day to step into a branch to deposit my cashiers check from XXXX  bank and was told that the funds will clear on XX/XX/XXXX. On XX/XX/XXXX, I signed on to my online banking to inquire about my account and received a pop up message suggesting that my account is blocked and for me to contact customer service. Once I called them, I was transferred to more than 3 people and when I finally got to the correct department was told that my account is under review and is going to be set to close in the next coming days. I was so confused because I got reinsured that this process would be seamless with the bankers I spoke to when I stepped into the branch to make the initial deposit. I was told that there would be not alternate option in me receiving my funds and that I needed to wait 5 business days until the account is permanently closed to receive a Chase cashiers check in the mail. I decided to call every day because of how stressed this has been for me and no kidding I received a different turnaround time and resolution from every different representative I spoke to. The day of writing this post, this is the 12th business day and just yesterday I spoke with a supervisor who stated all of this could of been avoided by the representatives by allowing me to pick up my funds in a branch. I was wrongfully advised and the request to release the funds is just now taken place. This is unacceptable. Chase is taking zero accountability. Every time I speak to someone Im being told to continuously patiently wait and wait with no proper knowledge of the process.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

Hi, I was offered to apply for a JetBlue Credit card during my flight on Jetblue and was promised I would get XXXX points if I got a credit card with them. I applied but didn't get any reward points. So it was a bait and switch. I was also not told about {$99.00} fee. Then they didn't send me any mail or notices and I got a notice my payment was past due. I never even used the card, not even once. Now they want me to pay {$99.00} and also have reported my credit to reporting agencies as 80 days past due. This is complete fraud and not only now I have to pay and it has also affected my credit. 

I would really appreciate your help so these predator banks don't keep praying on consumers like me. 

kind regards, XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I, XXXX XXXX, on behalf of the principal, hereby submit a formal complaint regarding Capital One 's refusal to credit my credit card account after receiving my tender of payment. I submitted three letters with securities and tender of payment, which Capital One acknowledged receipt of, but has since failed to credit my account or discharge the outstanding balance as legally required. 

Under the Uniform Commercial Code ( UCC ) 3-603 ( b ), the acceptance of a negotiable instrument or bill of exchange by the bank or creditor constitutes settlement of the debt, and the obligation must be discharged immediately. Capital Ones refusal to credit my account violates this statute and the Truth in Lending Act ( TILA ), 15 U.S. Code 1635, which mandates accurate and proper accounting of credit transactions. 

Furthermore, by continuing to report an outstanding balance and preventing access to my account, Capital One has breached its fiduciary duty and caused significant financial harm, emotional distress, and reputational damage. This is a clear violation of federal law, including the Securities Act of 1933, and constitutes fraud. 

Supporting case law such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, establishes that once a payment in the form of a negotiable instrument is accepted, the debt is to be fully discharged. Capital One 's failure to do so is a direct breach of contract.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

They didn't honest what I disputed in the past so it's time to fix this issue once at all I should ask for $ XXXX for punitive damages because of failing to delete but they didn't proof what they verified can they prove that? I have enclosed with FTC report about these accounts because Equifax is only XXXX reporting lowest score than my other bureaus way too many mismatched. I am sure CFPB able to see my all of my credit profiles. You got ta ask Equifax how they verify the accounts since they said they did.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OH)

I have attached NEW AND RECENT COPIES of my credit report from XXXX showing that DISCOVER is STILL reporting an active payment history until XX/XX/2023 for account ending in XXXX. DISCOVER HAS YET TO PROVIDE A CLOSURE DATE FOR THE ACCOUNT TO XXXX AS REQUESTED. XXXX stated that until they are provided a closure date, the account will not be removed until XXXX  years from XXXX. I have also attached a recent letter from DISCOVER regarding their previous investigations into the account, but XXXX of their representatives informed me on a recorded phone call that an investigation NEVER took place and that is why the account is still reporting active and not closed as requested. She also mentioned that even though I have provided documentation directly to them and through the CFPB, DISCOVER NEVER reviews the documentation.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

While in XXXX XXXXXXXX XXXX from XXXX to XXXX, I had my XXXX, drivers license and Wells Fargo debit card stolen. I believe they stole my XXXX  while it was unlocked as they were able to access online banking, XXXXXXXX XXXX XXXXXXXX and other applications in order to make several fraudulent charges. 
Once they had access to this information, they were also able to disable my find my XXXX, change my XXXX ID information which prevented me from remotely locating or accessing any of the information stored on the phone. I immediately contacted Wells Fargo and XXXX to report the cell phone stolen and to cancel my debit card. 
A week later on XXXX, I received a phone call from XXXXXXXX XXXX XXXX support in regards to suspicious activity. However, I do not own or have never inquired about opening an XXXXXXXX XXXX XXXX. I was informed that an XXXXXXXX XXXX XXXX had been opened in my name, however by filing the necessary paperwork I was able to get this Account closed. 

Wells Fargo continues to reject my additional information and claims around the fraudulent charges. Claim XXXX was opened and then disputed to the full amount of {$3300.00} as these transfers were made to an XXXX XXXX account that I have no access to. Claim XXXX was also opened and then disputed to the full amount of {$200.00} as this transfer was made to an XXXX XXXX account that I have no access to. 

Wells Fargo Credit Card Claim XXXX for XXXX Cash Advances and a total of {$2400.00}. Their rejection is now resulting in additional interest charges to my Credit Card account.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

i got a copy of my credit repor not to long a go and i saw multiple accounts listed there and y never applied for never used and never profited from accounts it conseques of indentify theft accounts are listed below XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$42000.00} XXXX XXXX {$84000.00} XXXX XXXX, {$37000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX, {$1700.00}
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

Several months ago, my husband and I went to XXXX XXXX to purchase a set of dining chairs and a chandelier. It was a substantial purchase and the sales person suggested that we apply for a XXXX XXXX credit card ( offered through Comenity ) to receive a 10 % discount which will be reflected on the credit card statement. The sales agent ( her name is XXXX ), stated several times that she was so happy to help us SAVE so much money. At the time, I did not receive any disclosures - just a hand written paper with the XXXXXXXX XXXX/Comenity credit card number. I received the furniture approximately 30 days later and the first bill approximately 60 days later. When I looked at the credit card statement, I did not see the 10 % discount. I contacted XXXX at XXXX XXXX and inquired about the 10 % discount and at this point she stated that the 10 % discount will be provided in the form of Reward Points to be used to purchase additional XXXX XXXX product. I was very upset about this because it was not clear to me at the time - that a 10 % discount was provided in the form of reward points. When I specifically asked XXXX why did she stated that I was " saving so much money '' her response was that many customers complain about this and she agrees that their sales pitch is misleading. Further, she said that its a practice that she can not control and they are trained to state this " savings '' for signing up for the Comenity credit card by the store manager or " corporate ''. She highly suggested to me to make a formal complaint so that other consumers are not mislead. She said that she ca n't stop this practice but if enough people complain, she and other XXXX XXXX sales representatives will not be force to sale the credit card so hard to consumers.
Consumer complaint received 2023-11-08
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)

Regardless of the multiple written requests, the ITEMS 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 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX