davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (PA)

Comenitycapital bank opened XX/XX/2015 U.S Code 1681c-2a consumer Reporting agencies XXXXXXXX XXXX XXXX reporting of any. What information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later then XXXX business day after the date of receipt. It has been 30 days and you are in violation of these laws because I am a victim of identity XXXX  please delete these accounts as soon as possible ( comenity capillary bank ) this account should not be furnished. On my consumer reports as they are in violation under 15 US code 1681B-permission purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer report an agency XXXX furnish A consumer report under the following circumstance and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I never gave any consumer Report an agency written consent to report anything on my consumers report which violates my rights as a federal protected consumer.No consent is identity death as a consumer I am demanding the deletion of the account listed immediately
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

SOMEONE OPEN UP 2 ACCOUNTS IN MY NAME FRAUDULENT I REPORTED IT TO THIS COMPANY AND THEY STILL TRYING TO HOLD ME LIABLE. I DISPUTED THIS SEVERAL TIMES AND SENT POLICE DOCUMENTS TO THEM AND THEY HOLDING ME TO A DEBT I DIDNT AUTHORIZE. XXXX  IS THE COMPANY. I ASK THEM TO PROVE I USE MY SIGNATURE AND SOCIAL THEY CANT PROVE IT
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

i was called an ask to give my bank info which i did an ended up having XXXX dollars taken out of my account an chase is not giving me anything back my account was hacked an i sent the info to the Government i would like chase to resolve my problem as im struggling to pay bills
Consumer complaint received 2023-02-13
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-06-21
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. (NY)

THOSE ACCOUNTS DOES NOT BELONG TO ME, PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY REPORT.
Consumer complaint received 2017-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I have been trying unsuccessfully to submit a dispute to the company for inaccurate information on my report. I have been blocked from filing complaints online via the web portal, I have been blocked from filing email complaints, I have filed via US mail and they are ignored. I called the customer service number on XXXX/XXXX/XXXX to speak to someone about my disputes and was told I had not filed any disputes. I asked to file one and hey said in broken English I would have to mail it in with identification. I am going to provide this agency the disputed info and maybe you can get a response from this company. 
I have two accounts that they have listed on my report that I demand be removed as I proved in court were not mine. I will attach a copy of the dismissal from the company, if I am allowed to attach items. In case number XXXX XXXX XXXX XXXX XXXX XXXX i was sued for the alleged debts listed on my credit report XXXX XXXX XXXX, and XXXX XXXX. I was able to defend against these suits and prove that the accounts were not mine. XXXX was forced to dismiss without prejudice the suit. I also received a letter from XXXX XXXX sowing i did not owe the debt. 

I have contacted the company XXXX XXXX XXXX about this alleged debt that is listed on my report and they have no knowledge of me owing this debt now, and are stating they are not reporting it on my report. When i told this to the agent on the phone they said to mail in a dispute. I have disputed this in the past and asked for method of verification and never received a response. 

I notified this agency, XXXX XXXX, and the XXXX via a complaint that these were fraudulent accounts and have not received a response from anyone on these two accounts. I spoke to the store and they admitted to me that there was fraud but claim that they can not do anything about the entries on my credit report. the credit reporting agency refuses to allow a dispute This company goes out of there way to make it impossible for a person who is the victim of theirs to get a resolution to a dispute. They have blocked me from filing disputes, and say its for my own protection that i can not see my credit report, that is of course unless i buy there service then i can see everything online.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I keep receiving letters from Rocket Mortgage that my insurance which I pay on my own ( no escrow ) was lapsed from XX/XX/XXXX to XX/XX/XXXX. 

That is wrong and invalid. 

I am insured through XXXX XXXX company from XX/XX/XXXX through XX/XX/XXXX. I make quarterly payments. The last quarter payment was due of XX/XX/XXXX but I inadvertently delayed the payment and made it on XX/XX/XXXX. The delay triggered a letter from the insurance company threatening cancellation on XX/XX/XXXX but since the payment was received well in advance of that, there was NO CANCELLATION. 

I received a letter from XXXXocketMortgage stating that they were charging me for canceled insurance. I called RocketMortgage on many, many occasions letting them know of the mistake, that my insurance was never canceled, uploading the proof of no balance from my insurance company, and had them contact my insurance company and personally verified that no cancellation occurred. XXXX occasion of those calls was on XX/XX/XXXX where they noted that the insurance was in place but apparently did not note that the insurance was never lapsed so that it is still recorded as such. 

I sent them all the documents proving this case, including the bill from the insurance company showing XXXX balance, my declaration page showing my insurance, my bank statement showing payment on the XX/XX/XXXX - well before the XX/XX/XXXX which was when the insurance company was supposed to cancel the policy. I am not sure what else I can do. They refused to understand the facts that instead want to charge me for insurance arguing that I was uninsured from the period that the insurance company on their letter threatening cancelation ( XX/XX/XXXX ) and the XXXX of the dates I called to let them know it was never canceled ( XX/XX/XXXX ) where they recognized the plan was in place. They just would not recognize the plan was in place all along and are charging me for a lapse period even though there was no lapse. 

This is beyond frustrating.
Consumer complaint received 2023-08-22
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: BARCLAYS BANK DELAWARE (MS)

XXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No Respond I Have No Account XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX  XXXX XX/XX/XXXX No Respond I Have No Account XXXX No Respond I Have No Account Capital XXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account BRCLYSBANKDE XX/XX/XXXX No Respond I Have No Account
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (AZ)

After closing my checking account at US Bank, US Bank fraudulently reopened a checking account in my name and continued to service the account and sent me statements starting XX/XX/. I closed my account with US Bank on or approximately XX/XX/. The account is still open at this time,
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (CO)

XXXX, Equifax, XXXX. Did not provide an accuracy proof of debt that I owe for a bad credit rating and reporting derogatory. When I ask for proof they said they have 100 % accuracy system that gives them the burden of proof. This was said to me over the phone. By all 3 bureaus, Please keep in mind they started my dispute & ended it within 3 days. I was told the system determines an accuracy decision. I am waiting on the accuracy proof of debt owed from all of the Corporation that say that I owe a debt when all debts are paid. It's been a year & all 3 bureaus have failed to show proof of debt I owe with my signature. They don't have any proof because there were no debt to began with : If the 3 Bureaus can't or refuse to show accuracy with written proof of the investigation of a decision that was made by the them for the Corporations : Then all negative reporting on my, we, us credit report needs to be removed. IMMEDIATELY! 

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

I did not request for my account to be closed with XXXX. Prior to the closure I had 100 % of on time payments. Now I am behind. I am currently not working at the moment and would not want this to affect my overall credit score. 

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604, section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : a creditor may not treat a payment on a credit card under an open and consumer credit fine as late for any purpose.
Consumer complaint received 2024-02-28
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. (AZ)

I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to correct late payment information associated with my account. Despite my persistent efforts and numerous communications, the late open account history continues to negatively impact my credit profile, causing significant distress and inconvenience. 

I have diligently followed the procedures outlined by your institution to rectify and update the late payment information on my account. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the late payment history remains unresolved. 

It is extremely concerning and distressing to see that despite my repeated attempts and persistence, the late payment information continues to tarnish my credit report and hinder my financial well-being. These unresolved late payments not only affect my credit score but also limit my access to favorable financial opportunities and services. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of late payment information on my account have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit profile. The repeated failures to correct this issue not only undermine my confidence in your institution 's ability to handle customer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all late payment information be promptly corrected and updated to accurately reflect my payment history. Additionally, I expect measures to be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards correcting the late payment information on my account. 

Please consider this letter as a formal complaint regarding the handling of the late open account information associated with my account. I trust that you will prioritize this matter and take the necessary steps to restore my confidence in your institution and the accuracy of my credit report. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$6000.00} ; XXXX XXXX Balance : {$78000.00} ; XXXX XXXX Balance : {$19000.00}.
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Concord Servicing Corporation (CA)

I've been caught in the relentless grip of Blackwell Recovery, a company that seems to have forgotten the essence of communication and fair play. 

I've written to them, not once, not twice, but multiple times, each letter echoing the same urgent request : validate the debt. Yet, all I've received is silence. A deafening silence that reeks of negligence and disregard for fundamental consumer rights. 

They haven't just ignored my requests and missed their window to validate the debt. By law, they must return my debt to the original creditor. Instead, they continue to hold onto my debt as if it's a trophy of their indifference. 

This isn't just about money ; it's about principle. It's about standing up against arrogance and apathy. Their actions are profound, not just on my finances but on my peace of mind. 

I implore you, Consumer Financial Protection Bureau, to intervene. To step in where Blackwell Recovery has stepped out. To bring justice where there is only injustice. To remind them that the rights of consumers are not just words on paper but living, breathing principles that deserve respect and adherence. 

I demand action. I demand justice. I urge the return of my debt to the original creditor. This is not a request ; it's a necessity. 

Thank you for your immediate attention to this matter. I trust that you will uphold consumer protection principles and take swift action against this flagrant disregard for my rights.
Consumer complaint received 2022-11-25
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. (GA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # : XXXX, Balance : {$4900.00} and XXXX, Balance : {$9400.00} ( Disputing All five different Loans ) To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$4900.00} and {$9400.00}, which appears on my Experian, XXXX, and XXXX XXXX XXXX ] . This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation. ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Last 4 of SNN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED

MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT
ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2023. Capital one sent letter stating that they believed that a card was opened fraudulently using my information. This was not the case and i opened the account. They beleive it was fraud. I called and s/w fraud dept on 3 occasions. They contacted all 3 major credit services but dont know what the fraud was. They ckaim that someone else is using my identity. This is my account and I made the charges. They are confused as to what exsctly occured to freeze account. Please help.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited my work bonus check on my chase account thru the online app portal to serve me some time goin to cash the check or even driving, deposit was made on XX/XX/XXXX for the amount of {$800.00} from the company i work for a hold was place till XX/XX/XXXX which the check cleared into the account. On XX/XX/XXXX i walked into the branch provided all information needed from paystubs to my direct deposit which i received them on my ( XXXX  temporary ). I provided all emails, text, calls, my information and position in the company. When calling on XX/XX/XXXX to customer service they said the needed to call the maker of the check to verify, i stated to go on website get all the information they need to verify the check even i provided a number i mean there system of verification is the worst. After more than 20 calls on different departments, different agents i get multiples answers, i even get direct deposit from another income and not even that i am able to use or withdraw. Chase has frozen my funds that i work for very hard. This is unfair for them to hold my direct deposits funds. I understand a hold on the check but not my funds. Even after it cleared and made available and provided additional information they still have my account restricted after 13 days and counting.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovate Managed Holdings, LLC (IL)

I was recently a victim of identity theft, and have numerous inquiries on my report that I do not recognize. The perpetrators also broke into my XXXX XXXX account, and my XXXX bank account but my accounts were frozen before they were able to withdraw money. These are a list of the inquires and the dates. 
XXXX 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