davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2023, I was checking my email and noticed that XXXX Bank had sent me XXXX emails informing me about my new credit card the problem was that I had not applied for a new credit card. I proceeded to call XXXX Bank to report this fraud. They canceled the card and told me they would report it as fraudulent. They advised me to add a credit alert in the Credit bureaus. That day I called XXXX and added a credit alert to my account. 
On XX/XX/2023, I received a phone message from Capital One Bank telling me that they were trying to contact me about my recent credit card application the problem was again I had not applied for a credit card with any bank. I proceeded to call Capital One Bank and informed them that I had not applied for a credit card. 
I then opened an account in XXXX to check the hard inquiries on my account and also notice that there was another attempt to open a credit card under my name on XXXX XXXX XXXX. I also called them and informed them that this was a fraudulent application they told me that they would cancel the application and report it as fraudulent. 
I then called XXXX, XXXX, and XXXX to freeze my credit.
Consumer complaint received 2023-11-06
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (KY)

On Wednesday XX/XX/XXXX I had a preapproval pop up in my Chase account while paying my bill that I was preapproved for a Chase Sapphire Reserve with a {$30000.00} limit and a welcome bonus of XXXX points with a {$4000.00} spend threshold within the first three months of account opening. I applied for the card, was accepted, and received my card in the mail later that week and began to work toward my monthly spend. The following week, I called into confirm the sign up bonus terms and conditions as I could find no notice of it anywhere in the welcome package or the online account portal. I contacted the customer service department on the number on the back of the card on XX/XX/XXXX at XXXX. The initial agent told me that I was not eligible for a sign up bonus and I had agreed to this via a pop up in the application process. I informed her that no such pop up happened, and there was reason why I would have continued with the application if it had, as the sign up bonus was the whole reason for the card. I also informed her there was no reason why I should have been declined ( as I had never received a sign up bonus from Chase for any reason ever, and had never had any of the Sapphire family of cards. She indicated there was nothing she could do and offered to escalate my issue to the marketing department. I asked for a more immediate escalation, specifically her supervisor. After 25 minutes on hold I was directed to a supervisor that said there was nothing she could do, she could not escalate the account issue, and there was nothing that could be done. I again expressed my displeasure and asked what my options were and if they could provide me with any proof that the pop up had occurred and that I had agreed to it. She could not and provided me an address where I could send a letter if I so chose to file a higher need with corporate. This is supposed to be a premier card with for premier customers and I was lied to and basically had {$750.00} of rewards bait and switched.
Consumer complaint received 2023-12-13
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-07-22
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. (FL)

I HAVE BEEN DISPUTING THIS CREDITOR ON MY CONSUMER REPORT XXXX, WHICH IS XXXX XXXX, IT WAS BOUGHT BY XXXX XXXX XXXX THEN SOLD TO XXXX XXXX XXXX, I HAD RECEIVED A LETTER FROM THE XXXX XXXX XXXX WITH THIS SAME ACCOUNT ALSO XXXX XXXX XXXX STATING  THAT THESE ACCOUNTS WILL BE DELETED FROM MY CONSUMER CREDIT REPORTS. I AM NOT UNDERSTANDING WHATS THE PROBLEM I HAVE MY PROOF MY LETTER FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS STILL SHOWING AGAIN ON ALL THREE OF CRA, THE U.S.C . 1681 THIS IS A DEFAMATION TO MY CHARACTER AND LIVELIHOOD.
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: T.S. Holdings (AL)

IQ Data International harassed me and threatening me of damaging my credit profile. Demanding money upfront without giving me any other information aside from accusations. 

IQ Data International refused to provide information of the accused debt and refused to provide any copies of the said debt.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I have sent dispute to all XXXX credit bureaus in regard to the same information, that they are all reporting in correct information and to provide documents that show proof of validation, I have not received any or a correction. I have asked each Experian, XXXX, and XXXX rep how each creditor verifies the information. Each agent advises that when you dispute and it comes back verified, the creditors only check the last four digits of your social security number, first and last name, and a code number. I do not understand how validating any debt with partial information about any individual is acceptable. Since you do not want to follow the laws for the credit reporting agencies regarding section 1006.34, Notice of validation, I am now requesting the credit reporting agency to validate the debt you claim to be verified and correct. According to FCRA section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] a ) Information on file, sources, and report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section I have the right to request the credit reporting agency for a copy of the original contract that I have signed from each creditor that you claimed to be valid, correct, and verified. As a credit reporting agency, you have signed an MOU ( Memoranda of Understanding ) with government agencies to receive and integrate credit information ( data ) from voluntary subscribers into your respective database. This Memorandum of Understanding ( MOU ) is entered into by and between the undersigned credit reporting agency ( from now on referred to as Credit Agency ) and Federal agency ( hereinafter referred to as the Government ). This MOU is entered into to carry out the purposes of the Debt Collection Act of 1982 ( DCA ), as amended by the Debt Collection Improvement Act of 1996 ( DCIA ) and codified at 31 U.S.C. 3711 ( e ), which governs Federal agency reporting of debt information to credit reporting agencies. This MOU is consistent with the implementing guidelines of the DCA and DCIA, including the Federal Claims Collection Standards ( 31 C.F.R. 901.4 ), OMB Circular A-129, and the Treasury Guide to the Federal Credit Bureau Program.
Consumer complaint received 2023-12-13
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)

Hello these companies has been reporting fraudulent accounts. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts XXXX DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity : Inaccurate Address : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : theft. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 2023-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (GA)

Starting XXXX, I began the application process for forbearance or assistance with Ameris Bank. Over the course of 6 months, my application process was stalled due to lack of communication and follow through with the mortgage company. In XX/XX/2023, I was finally notified that my supporting documents werent submitted in time, even though they were promptly submitted to the online portal, because the portal doesnt really work well and we cant see your documents on our end so they werent accepted. I was then directed to email my personal information to an obscure email address to submit properly. XX/XX/2023 my application was finally completed ( 6 months after the start ). Since the application was finally submitted, I have not gotten any response or update from the mortgage company. 

I believe that Ameris is intentionally making the assistance process difficult, knowing that if I were to have my home foreclosed on would benefit them financially. It is highly unethical that this company benefits from countless tax breaks and government subsidies, but does the exact bare minimum when it comes to following through on their obligations to the people that are the source of their vast wealth. 

Attached are screenshots showing the regular update and submission of materials on my end, and the stagnant response on theirs.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. ()

I moved out of the XXXX many years ago, but still have an old bank account with Citibank, which I left open as it wasn't charging me anything to keep it and it might be useful. They recently started charging me for keeping it open. I didn't know about this change, as when I tried to log on to their website to access my documents, I was effectively locked out as they needed to verify with my disused telephone number, so I didn't know it was coming. I tried calling them to get access, but they require me to provide them with my debit card number ( which I don't have, likely due to my address being out of date ) - my account number and other proof of my identity is insufficient. After talking on the phone, they said the only way I could get access is if I had my debit card number. 

I'm thus left with no way to prove my identity to them so I can access my accounts to stop them from continuing to charge me money.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My now-deceased child was the borrower on Loan numbers XXXX and XXXX ( the " Loan '' ). I was the co-signer. 

XXXX was a passenger in a car when she was killed on XX/XX/2023. 
The loan was in forbearance at the time of XXXX 's death, the combined balance was {$20000.00} and no payment was due. For this reason, I had no obligation to pay either. 

When I contacted XXXX XXXX on XX/XX/2023 to inform them of her death, they offered to discharge the loan, without any payment, provided that I submitted a death certificate. I did so on XX/XX/2023. 

XXXX XXXX reported to credit agencies that I did not pay the loan. They reported Legally paid in full for less than the full balance, '' to credit agencies, resulting in an approximately XXXX point drop in my credit score, even though I had no obligation to pay, and they offered to discharge XXXX 's debt. This is akin to a bankruptcy reporting, and appears to remain on credit reports for 6 years or more. Other creditors reported " Paid, Closed / Never Late '' or Paid Satisfactorily, and those reportings had no negative effect on my credit score. 

On XX/XX/2023, I spoke with the supervisor of XXXX XXXX 's credit reporting team. He acknowledged that XXXX XXXX had made an error, apologized profusely and promised that there would be a manual fix submitted to my credit so that it would show " paid satisfactorily '' and have no negative effect on my credit score. He said that it would update on the credit reporting agencies in a couple of days. 

XXXX XXXX has not corrected its errors and the result has been that my credit score has remained at the lowered level, creditors have reacted negatively by reducing or eliminating credit available and other negative credit results have occurred. 

I have disputed this reporting through the credit agency systems, and XXXX XXXX has verified the erroneous reporting. XXXX XXXX told the credit agencies that the reporting was accurate. As such, the credit agencies refused to update the credit reports and the damage was compounded.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-21
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. (GA)

I disputed this XXXX  XXXX bankruptcy several times with the credit bureau Transunion. In XXXX of XXXX  my dispute was completed, when the dispute was concluded the response was verified as accurate with US Bankruptcy court. I previously contacted the bankruptcy court and their response was that they do not verify records with any credit bureau or any entity for that matter their response is enclosed.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (FL)

My credit report on XXXX/XXXX/2023 from XXXX shows Spring Oaks Capital violate my privacy by hijacking my credit report with an alleged debt. Spring Oaks capital used my information falsely without my consent to report a false debt. I do not owe and have never entered to any agreement with respect to the alleged debt in the amount of {$210.00}.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I informed equifax previously to remove address that isnt my address, the latest credit report is showing this address. please remove address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

For the months of XXXX XXXX XXXX I had a forbearance agreement with the Loss Mitigation Department with XXXX XXXX XXXX XXXX XXXX XXXX  for my mortgage. During this time remarks were made on my credit report of " partial agreement '' with an account balance increase each month during my forbearance period. My forbearance has since ended and I have made regular payments beginning XX/XX/. I have been told I qualify for a deferral putting the balance at the end of my loan which would make me current again. I have been told this paperwork should be to me within 30 days. Speaking with XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX I was approved for the deferral and would once again have full access to my XXXXXXXX XXXX  within 30 days. ( again, documentation stating such should be to me within 30 days ). If I am still in active loss mitigation and have resumed normal payments and have a further agreement to put my missed payments on the end of my loan to become current again how is this company reporting 6 missed payments now, as well as over the course of the last 6 months also reporting a partial payment agreement. They are tarnishing my credit score twice on the same matter. Furthermore, if I am approved for the deferral and the payments will be added to the end of my loan and I will be current again, how am I 6 months behind. This company is ruining my credit score and technically I am still in active loss mitigation. I thought they were helping me and this is nothing more than a nightmare. Once seeing this report on my credit score I called the loss mitigation dept on XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX  and she dismissed any concern and told me to send my concerns to an email address XXXX which I have done so and get no reply. My credit score has decreased over XXXXXXXX XXXX for something I believe should not have. If they agreed to put my payments during the forbearance period at the end of my loan to become current again how am I now late? This makes it seem like I will be past due for the next 30 years. This is the worst company I have ever had dealings with. They are rude, dismissive and every single time I call I am informed something different that the next person has no idea what I am talking about.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2023, I was checking my email and noticed that Chase Bank had sent me two emails informing me about my new credit card the problem was that I had not applied for a new credit card. I proceeded to call Chase Bank to report this fraud. They canceled the card and told me they would report it as fraudulent. They advised me to add a credit alert in the Credit bureaus. That day I called XXXX and added a credit alert to my account. 
On XX/XX/2023, I received a phone message from XXXXXXXX XXXX XXXX telling me that they were trying to contact me about my recent credit card application the problem was again I had not applied for a credit card with any bank. I proceeded to call XXXXXXXX XXXX XXXX  and informed them that I had not applied for a credit card. 
I then opened an account in XXXX to check the hard inquiries on my account and also notice that there was another attempt to open a credit card under my name on XXXX XXXX XXXX. I also called them and informed them that this was a fraudulent application they told me that they would cancel the application and report it as fraudulent. 
I then called XXXX, XXXX, and XXXX to freeze my credit.
Consumer complaint received 2024-07-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (OH)

I did not receive notification on the charge off due to not communicating. I paid XXXX until I was unable to pay so I tried to consolidate my debt by doing relief programs. Those two debt relief programs were XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX Those two law firms told me to not pay and not to answer phone calls and how they suppose to handle the creditors. That was during the time frame XXXX Charge it off and Jefferson Capital got involved by buying the debt. I have a XXXX and Im going through a lot with hardship. XXXX and Jefferson Capital didnt even considered reaching out to see if my two law firms for deal. So Jefferson Capital put on more interest on the loan and suing me in court. I got court for pretrial on XX/XX/year>.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

I have a Credit card with American Express over 15 years, and I forget to make payment on XX/XX/year> and I got late fee for {$29.00} and I asked American Express to be courtesy for long term customer who use their credit card for decade and they said they can not refund the late fee for {$29.00} this is very ridiculous ... Today I would like to file this complaint to and hope you take card of this matter for me Please.. I would really appreciated in advance...