davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I froze my credit with Experian on XX/XX/2016. I received a pin should I need to thaw or lift the freeze. I applied for a job, was hired pending the credit report. When I tried to thaw the report, even though I had my pin, I was told I needed to mail several identifying papers. I did not get the job due to my credit not being available. I never asked to have my credit " monitored '' from Experian. I feel they stole my information, and now I can not go forward until this is resolved. at best, there should at least be a number to talk to someone. I tried for days, calling many different numbers. They all have the same mantra of a recording asking if I want MORE protection for only {$21.00}!! How can you allow this? I have excellent credit, and Experian has punished me with their inept business practices. They should not be handling this vital information.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (GA)

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account number : XXXX
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (TX)

asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. 

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

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

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

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

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

Account name : XXXX Account number : XXXX Company : XXXX XXXX & XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I was told that I had to open XXXX accounts, and that the automatic transfers between accounts would insure that fees were waived. Instead I was charged dozens of fees. If the banker had opened only XXXX account, as I had asked, there would have been no charges. The fees totaled $ over {$400.00}. When I asked for the fees to be reversed, they reversed only {$62.00}
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : {$260.00}.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

The late payment occurred in XXXX of XXXX during the nationally declared XXXX  Emergency. I called in XXXX in XXXX and was initially told this would not be reported for 90 days and I would have additional time to make the payment. However, I recently found out that this was reported as a late payment/ deliquency on my credit report, even though I became current on the account very shortly thereafter in XX/XX/XXXX. I have also remained current on the account ever since. Furthermore, prior to XX/XX/XXXX, the account was current at all points in time. I have been a store card member with XXXX since XXXX of XXXX. I think it is egregiously unfair for XXXX to have reported this one late payment, resulting a drop in my credit score of XXXX points. This action by XXXX has caused significant financial harm to me -- adveresly affecting my ability to qualify for student loan refinance and also to qualify for leasing an apartment. Also, it is unfair for XXXX representatives to say now in XXXX of XXXX that calling them via phone in XXXX to report my loss of employment and hardship was not sufficient for me to qualify for relief at the time. Other than calling them, I did not have the ability to reach them in writing at the time. I have a medical condition and it was too much of a hardship given the risk posed by XXXX to get out of my house and send a request in writing to them. They should have been able to honor my verbal request over the phone and allow the extra time for me to make the missing payment as they told me over the phone in XXXX. Again, I did ultimately make the payment in XXXX of XXXX and brought my account current, a status in which it has remained ever since, so it is egregiously unfair for them to have reported it as a late payment / deliquency on my credit report.
Consumer complaint received 2023-09-05
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: JPMORGAN CHASE & CO. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am unsure why this bankruptcy is still being reported on my credit report. Per XXXX XXXX there is no record of bankruptcy. However XXXX, is documenting that gave them the information on my credit report. XXXX XXXX stated the bureau was notified but they continue to report this information when it should be deleted.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

The uncertain accounts listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the credit bureau on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$1400.00} ; XXXX  XXXX Balance Owed : {$19000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}
Consumer complaint received 2016-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Our primary residence home was foreclosed on last year by Nations star Mortgage. During this process we made heroic efforts to accomplish a short sale and thus mitigate the loss to the lender, with no cooperation at all from them. They took title to the property and sold it within a short period of time. We have subsequently received an IRS XXXX for {$410000.00} which amount represents the entire loan balance. We feel that this tax liability is is error, and they refuse to correct it.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I used the Chase online Bill Pay service to pay my XXXX XXXX XXXX XXXX XXXX bill as I do every month. The payment amount of {$210.00} was deducted from my account on that day. Here is a copy of the line item in my online account : XX/XX/2020 Online Payment XXXX To XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bill payment {$210.00} On XX/XX/2020 I received email from XXXXXXXX XXXX XXXX  stating my XXXX payment was still unpaid. When I contacted XXXX  their first question was WHO IS YOUR BANK? When I said it was CHASE, they said that they have had a problem getting payments from CHASE since XXXX and that Chase has been aware of the problem but had NOT notified any customers about it. XXXX  gave me the phone number XXXX Option 2, which they said Chase gave them specifically for this issue. I called that number and the first person I spoke with, XXXX, said I needed to call a different number, and than she gave me the exact same number. When I said that was the number I just called, she said NO it was not! She actually told me I did not know what number i called. However, after hanging up I rechecked the number and it was the same! Next she said i would need to talk to a supervisor and put me on hold for almost 10 minutes, then connected me to XXXX, who told me they had made the payment. I asked her if she was saying that XXXX was wrong when they said that MANY payments from CHASE had been mis-routed. She denied that was what she was saying and then went on with some type of double speak about how they did, but did not make my payment. I was never able to get a answer to when XXXX would show my payment was made or if Chase was going to do anything about the problem. So uncaring and unhelpful. BEWARE! Please make Chase obey the laws and properly manage their customers money!
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Repprting 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for a 360 checking account and was promised a {$400.00} bonus by making two deposits using ACH, direct deposit, or other means. I called the bank to verify that the transactions deposited into the account qualified, but they will not tell me what kind of transaction the deposit actually is or if it meets their criteria for qualification. On my statement it does not indicate direct deposit, ach, or otherwise.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (PA)

Went on a vacation to XXXX XXXX. Went to a timeshare presentation while there. Never signed anything or gave ssn while there. Upon returning home received credit card from timeshare company that I never applied for.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The following unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following to updated or deleted in my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (MI)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2023-07-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (PA)

We took out a closed end line of credit to do a leak problem in our basement. The total amount of the loan was {$5000.00} which we used all of it. We made an early payment of {$100.00} before we had to make any payments and EnerbankUSA applied it to interest only and not the principal. When I called the company they said that they apply payments to interest only during the draw period. There isn't a draw period since we used the money in total and didn't take out anymore that what we needed. According to EnerbankUSA all our payments will be applied to interest until the interest is paid and then it will start to apply to principal. Nothing in my not indicates this is the case. Item XXXX XXXX Installment loan states " The outstanding loan balance when the line of credit closes will become a fixed rate installment loan.
Consumer complaint received 2020-03-02
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: Experian Information Solutions Inc. (NY)

I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in e. minute. While checking my report I saw items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX. There are some inquiries on there thats not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. I have contacted the FTC and local police.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (FL)

Last year, I opened a credit card with Barclays that earns frequent flyer miles from XXXX XXXX. On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Barclays credit cards. I applied for this credit card in my own name and was vetted through identity checks and credit reports by Barclays. I used the credit card daily for purchases and earned frequent flyer miles. Now, Barclays says that it is 100 % not involved in the decision by XXXX XXXX to close the accounts of many frequent flyers. Barclays has engaged in deceptive practices towards its customers by luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Barclays claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Barclays claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Barclays for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Barclays fails to honor or to enforce in any way. Barclays claims ignorance regarding its own products and refuses to protect its own customers.
Consumer complaint received 2018-12-07
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. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX/XXXX, XXXX XXXX   XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}
Consumer complaint received 2023-05-25
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. (NY)

I have tried to dispute this matter directly with the all 3 measure reporting agencies, all of them have denied to remove correct or adjust to several derogatory items that is enabling me from making any credit purchase.