davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (IL)

To : CFPB From : XXXX XXXX Re : Application for credit card & mistreatment from the XXXX, XXXX XXXX, XXXX office Application : # hidden To whom it may concern : Hello, my name is XXXX and I am an applicant for an American Express Platinum card. 

I was referred to American Express by a longtime user and client, my mother. 

Since then, the process has been miserable and rife with confusion, misrepresentation and blatant harassment. 

As part of my application, American Express requested additional documentation. That is no problem. That said, I use an online only bank called Simple. They do not have branches. There are no direct lines to speak to my banker. This antiquated way of thinking has led to Amex employees talking down to me and my husband essentially alluding to the fact that we may not be a worthy customer because we dont use a real bank like XXXX. 

We have complied with all requests from American Express. The last part of the process is that they want to speak to a banker at XXXX. Also, fine. According to bank supervisor XXXX from a conversation on XX/XX/XXXX, he just needed to speak to someone that would confirm the signor of the letter worked for simple. 

Today on XX/XX/XXXX, that was completed. Then, supervisor XXXX from the same Amex office said that was not good enough and he needed to speak to the actual signer of the letter. That would be like finding a needle in a haystack. These are employee bankers that take calls from a call que and handle calls as they come in. They do not have direct lines. 

The banker even offered to call Amex. That was also not acceptable to XXXX or XXXX. Their expectation is that they can call someone directly, but are unwilling to let XXXX call them. This is a classic case of not even allowing a possibility of moving forward with Amex which feels very much like a discriminatory practice targeted specifically at me. 

In the effort to reduce fraud they have marginalized a potential customer that was referred by her mother and misrepresented your process to me continually in a sexist and classist way that is beyond offensive. 

It is unacceptable to not provide a path forward to a customer, provide solutions, and then walk back from those solutions. I have now spent nearly 10 hours and many days of frustration with American Express. It is confounding and deeply disappointing. 

Please help me CFPB! 

XXXX
Consumer complaint received 2024-03-18
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: London & London (CT)

London and London in XXXX, CT threatened to damage my credit and reputation. I want them disciplined. I contacted XXXX XXXX numerous times to fix this never got a call back once. These people threaten me again and I will contact the police and file charges against them.
Consumer complaint received 2024-03-18
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Consumer complaint received 2023-07-09
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. (GA)

In the court of the FCRA these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS
Consumer complaint received 2023-10-11
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. (NC)

I was trying to buy a house and I realize I have damages on my credit report according to the 15 U.S.C 1681 laws there should not be any damages on my credit report it is a defamation to my character
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :XX/XX/XXXX
Consumer complaint received 2018-08-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I recently reviewed my XXXX  consumer credit report and discover a company calling itself Portfolio Recovery reporting a negative account on my report. I have no knowledge of doing business or signing a contract with Portfolio Recovery. This willful and negligence action is causing harm to my credit score.
Consumer complaint received 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (NJ)

I have submitted a loss mitigation file for a loan modification. I have more then enough income to qualify and all proof has been sent. On XX/XX/XXXX I was told that my file was a full file in review and the foreclosure sale is on hold and was told to check in every 7-10 days. On XX/XX/XXXX I called and the system is down. Mr Cooper/Rushmore Servicing was hacked, automated system said call back. I tried to call back for 2 weeks. Then on XX/XX/XXXX XXXX XXXX XXXX told me that the modification was denied and as of XX/XX/XXXX they were missing HOA monthly statement then him and his supervisor said send in the HOA statement ( which was sent while on the phone ) and they will get the file opened & get the sale placed on hold since its noted on XX/XX/20 I was told its a full file. On XXXX XXXX the file was escalated to management to be opened and on XX/XX/XXXX the file was denied due to the foreclosure being within 37 days. I asked to be transferred to XXXX but the other reps bounced me around with no solution.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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
Consumer complaint received 2024-03-18
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. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-09
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)

My student loan with XXXX is still showing as current as of XX/XX/ XXXX XXXX My account with XXXX was closed and moved to XXXX as of XX/XX/XXXX XXXX however my credit report reflects that I have a student with both XXXX and XXXX. I ONLY ( not screaming ) have a federal student loan with XXXX! Please have this matter resolved.
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX is attempting to collect a debt for XXXX XXXX. I do not owe this debt. I have communicated this to anyone who contacted me. Also it is from XXXX which is past FCRA and CA statute of limitations Civil Code 337. There absolutely can not be liability to any person on this claimed debt. They are re-aging it on my credit report claiming that it opened in XXXX and reporting it in XXXX.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payments on this XXXX XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Untimely. Fix the balance information. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the balance information. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Untimely. Fix the balance information. 

XXXX XXXX Account number : XXXX, Untimely. Fix the balance information. 

XXXX  | XX/XX/XXXX : Account number : N/A, Untimely. Fix the balance information. 

XXXX WEST | XX/XX/XXXX : Account number : N/A, Untimely. Fix the balance information. 

XXXX : Account number : XXXX, Untimely. Fix the balance information. 

XXXX : Account number : XXXX, Untimely. Fix the balance information. 

XXXX : Account number : XXXX, Untimely. Fix the balance information. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Untimely. Fix the balance information. 

XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, Unfair. Fix the account number and send a full report. 

Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. 

Please fix, modify, update or delete this inaccurate information.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-12-08
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between the days XXXX  and XXXX  I was unemployment during the pandemic pui and Bank of America kept freezing my card saying that my card with Frozen because of suspicion of fraud I didn't ask them to freeze it they just did more than one time several times it would take forever for me to get to the front department to get it on Frozen weeks sometimes then they would ask me to be stupid questions and hang up on me then they close my account and sent my money I had left yet in my account back to unemployment and then I couldn't every time I recertified for my unemployment I didn't have any account to send the money to they didn't notify me that they were closing my account and it was several months before finally unemployment put another button on so that I could start certifying again I lost my car cuz I couldn't pay my car payments I got evicted from my house I'm homeless still from that and I don't think it was right if they kept freezing my card for fraud when I when I never asked them to and then they close my account because I was arguing with him on the phone and then I wasn't able to pay my bills or anything cuz I wasn't able to certify or when I did certify I had no bank account for unemployment to send the money to and I didn't get any of those certifications either because of the Bank of America my complaint
Consumer complaint received 2018-10-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TD BANK US HOLDING COMPANY (AZ)

I applied for an auto loan, Td Auto Fina -- Inquiry from XX/XX/XXXX and the dealership shopped it to various lenders. I was told it would be only two different ones. I would like the rest of these removed XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX I Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX I applied for the The XXXX card I never heard from them in any way, shape, or form. It appeared on my credit report. XXXX Inquiry from XX/XX/XXXX 2017
Consumer complaint received 2023-12-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WY)

I received two {$100.00} AMEX Gift Cards. I activated both and each said I have {$100.00} balance. However, I have repeatedly been declined while using these cards for amounts under {$100.00}. I have called and they say they should work and offer no other support.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I tried to use my ATM card and it was not working. I have my rent money in the account and when I called they told me that my account was closed for their own personal reasons and would not give me an explanation. I am going in to the branch tomorrow to see if they will let take my rent money out because I need it. Its almost XXXX and I dont want to get evicted because I cant pay the rent I have XXXX children and I am a XXXX parent. I am hoping they will let me get my money out in the morning.
Consumer complaint received 2024-03-18
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)

Dear CFPB, I am writing to file an official dispute regarding inaccurate and unauthorized information that has been repeatedly reported on my credit reports by XXXX XXXX XXXX XXXX XXXX XXXX  This collection account does not belong to me, and its continued presence on my credit files has caused me significant financial hardship, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute and seek the removal of any inaccurate, incomplete, or unverifiable information on my credit reports. The following provisions are relevant : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires credit reporting agencies to " promptly delete '' any item found to be " inaccurate or incomplete or can not be verified '' after a reasonable reinvestigation. 

2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from providing information to credit agencies that the furnisher " knows or has reasonable cause to believe is inaccurate. '' 3. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) requires furnishers to appropriately modify, delete, or block the reporting of any information that can not be verified as accurate. 

Despite my previous disputes and requests for verification, XXXX has failed to provide any evidence that this collection account belongs to me. By continuing to report this inaccurate and unverifiable information, they are violating the FCRA. 

I have enclosed copies of supporting documentation. I am escalating this matter to the CFPB and demanding this inaccurate collection be promptly deleted from my credit reports as mandated by law. 

If the appropriate corrections are not made within the legally required timeframe, I reserve the right to pursue further legal action against XXXX and the credit bureaus for willful FCRA violations and any resulting damages. 

Thank you for your attention to this serious issue. I look forward to your investigation and a resolution.
Consumer complaint received 2023-06-28
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. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance XXXX ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

2nd Attempt! Today the company responded with data about inaccurate reporting, which isnt my complaint and they didnt answer my complaint. I can not access my credit report and have not been able to in over 2+ years. Then, CFPB marks the case as closed without reading the companies response for they clearly would have noticed the company did not address the complaint.

Problem : I CAN NOT ACCESS MY CREDIT REPORT DESPITE MAILING DOCUMENTATION TO CONFIRM MY IDENTITY!

Complaint : On numerous occasions in the last two years have worked with Equifax to gain access to my credit report. I have called them, certified mailed documents that include ( s ) my social security card and drivers license. However, I still have not gained access to my report and neither can borrowers. Today I spoke with Equifax, again, and they are telling me they have not received the documents I have mailed twice before and that I need to send them again. This is affecting my life.