davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Around   XXXX   XXXX    , I made purchases with  Saks Fifth Ave  using my major purchase account. The account had been opened by me and used over several years which I never had any issues with ( including same promotion programs during holidays and such ). After I made the purchases in  XXXX , I returned over 80 % of the items in the following months. I called and inquired why my min. payments remained high and the response was that I should have read the fine prints better that I had to make the same minimum payments regardless whether those purchases were returned until my account is fully paid off  (  including any previous purchases not under the same promotional program ). I asked why the new program was n't clearly advertised to the consumers as to what the significant changes were and they said a separate letter was sent out along with the privacy statements. I was in disbelief as a customer of Saks for over 10 years with good payment history being treated as such. This has created financial burden as I was n't expecting the terms as such so my cash flow was negatively impacted. I finally paid the account in full and closed. As a honest consumer and willing to make full payments and a long history with the Company, I was misled and mistreated by Saks. When I finally called  Capital One , they disclaimed their responsibilities as they said it was n't their responsibilities of how the store promoted the credit program. Additionally, Capital One was also unwilling to help in anyway because it was n't their responsibility in working with me.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

This is to follow up on Complaint ID XXXX with XXXX and XXXX a new complaint with JPM Chase. 

On XX/XX/year>, I discovered that, check no. XXXX in the amount of {$2000.00} that I had issued from my XXXX account to XXXX XXXX XXXX XXXX had erroneously cleared my account on XX/XX/year> with a forged endorsement on the back of the check. I immediately reported this fraudulent activity to the XXXX and filed a police report with XXXX XXXX. Due to XXXX 's lack of cooperation in resolving this fraud case and their unprofessionalism in handling this situation, I went to Chase bank at XXXX XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/year> and requested assistance from the Branch XXXX. She was kind enough to call Chase XXXX Department to follow up on my case filed ; however, she informed me that Chase can't help me as this was a check issued from my XXXX account. 

On XX/XX/year>, I received a call from XXXX XXXX at XXXX. According to the information provided by the Detective, this check was attempted to be negotiated at a Chase ATM in XXXX XXXX, CA ( see attached image provided by BPD ). When the said check was presented at Chase, Chase immediately contacted the account holder ( i.e. XXXX XXXX ) to confirm whether the account holder is in possession of her debit card ; XXXX XXXX informed Chase that her debit card was stolen and her account has been compromised and she did not deposit a check payable to XXXX XXXX XXXX XXXX to her account. No loss was taken by XXXX XXXX as Chase immediately froze her account ; therefore, there was no need to attempt to recover my funds as Chase did not honor the fraud endorsement in the first place. 

To this day, XXXX has failed to provide investigation updates with Chase or a provisional credit in my account claiming " for all endorsement forged check disputes, the bank of first deposit, JP Morgan Chase, is responsible for investigating and resolving the claim. There is a XXXX day time frame that all institutions try to adhere to when investigating these claims. However, it is not a legal and/or guaranteed time frame [ and XXXX has XXXX no control over how quickly they can provide a resolution. '' Due to financial hardships, I have been incurring fees and penalties for delayed payment. 

This check should have never cleared through the Chase ATM as it was evidently payable to XXXX XXXX XXXX XXXX with a Policy number on it and should have never passed through the bank 's review channels. 

This letter serves as my official notice to JPM Chase to provide update as to where my funds are and demanding my {$2000.00} reimbursement.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 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. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is unable to provide a process by which I am able to submit documents online to correct my first and last name on my report. XXXX was able to update my personal information after getting a scan of my passport ( for id proof ) and updated ssn card. Experian requires me to send sensitive documents over mail which I am unwilling to do. I did not provide experian any documents for them to open a file/account for me. They should have a mechanism to get updated information from the lenders who already have my updated information. I intend to start opening complaints on this issue with the cfpb more frequently until this issue is resolved. 
1. The experian.com/upload option does not work. The webpage has no elements to interact with as shown in the screenshot. 
2. My credit grantors do have my updated first and last name. My active credit cards are in my correct name as well.
Consumer complaint received 2024-03-27
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. ()

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXXBalance : {$550.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXXBalance : {$550.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

i'm XXXX XXXX, im the XXXX  of XXXX XXXX XXXX XXXX a XXXX  registered in FLORIDA, i have received payments from XXXX XXXX XXXX XXXX XXXXXXXX XXXX 1. XXXX in the amount of {$130000.00} which was cleared and cashed without issue. 

2.XXXX in the amount of {$140000.00} which was cleared and cashed without issue. 

3. XXXX XX/XX/2021 in the amount of {$140000.00} and {$100000.00} and and payment has been credited to my chase account and cleared, chase called XXXX and they confirmed it's a good check and has been paid to chase. 

however chase is still requesting to verify that the issuer business owner wrote the check and XXXX  which is the business owner of the check is out of the country and will answer call at the phone : XXXX or XXXX which chase rejects to contact and doesn't provide any other option. which doesn't make any sense the check has already been cleared and confirmed authenticity by XXXX ( XXXXssuer bank ) i had received checks from this business before at the same account and was cleared and cashed as you can see attached. chase rejects to release the funds to my business or send back to the originator. Also XXXX would be availble for a VIDEO call so he can present his Identification and confirm checks, send a certified letter from XXXX to united states, which i don't believe it's necessary as showed and proved that i had checks cleared and cashed from them before. please assist as i have employees and vendors to pay. my business account number at chase is : XXXX
Consumer complaint received 2020-04-27
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)

Hello XXXX  : XX/XX/XXXX. I have contacted XXXX  Credit Bureau and i have made it aware that i am a victim of fraud. On XXXX of XXXX my wallet was lost and it came to my attention several years later that an account was opened under my name a few years later. I filed a police report on XXXX and i am sending you the attached report to confirm that it was an act of identity theft that was made on my consumer report. For the most part the accounts were removed and place back on to my consumer report. I believe it was suppressed on your end and not fully and permanently removed. To my understanding if an account was open without my knowledge and it was because of identity theft, it is out of my control and should be investigated immediately. I have sent in certified letters along with proof that this was identity theft. I am asking for an internal investigation for the following accounts that is listed on my consumer report to be investigated and removed permanently. If the accounts continue to report as an error on my consumer report, i will be faced to report your company live and show complaints on how your company is purposely placing errors on people consumer reports. I will be forced to take legal actions immediately upon this response. ( Dept of EducationXXXX  9 Accounts # XXXX ). I have 6 inquiries that is fraud related. ( XXXX XXXX XXXX  XXXX XX/XX/XXXX ), ( Global XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) If the erroneous accounts and information is placed onto my consumer report or if my personal information is sold to debt collectors i will be sure to take legal actions. I repeat do not attempt to resell and information to any debt collectors. This is not a threat. You are liable for the erroneous accounts.
Consumer complaint received 2020-04-27
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: LEXISNEXIS (OH)

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: REGIONS FINANCIAL CORPORATION (IA)

I don't really know what happened. 
The person was, at best, cordial. She/they stated they were calling for Regions Bank . 
Then they asked me for my physical address, I gave it and then they immediately said .. '' you owe us, Regions Bank XXXX money. When will you be paying? "... I said, " oh, I do? Okay. Well I work at a XXXX XXXX XXXX and get paid every two weeks. But we aren't in season right now. '' They responded, " Okay, every two weeks. So you'll pay in two weeks, nothing before then? '' I said, " Wait, what? Um I don't know? What is this for again? '' They said, " I'm calling on behalf of Regions Bank because you owe them money and it is more than 30 days past due. '' I asked what money. They said " the money you owe '' and then we disconnected. 
**Different phone numbers, same basic purpose. This makes year 5, of the last 8 YEARS, that I have received random insistent calls. Demanding debt be settled. Without ANY written notice. 
Also, without ANY resolve. Just constant, daily, sometimes multiple times a day calls demanding I pay some money for some outstanding debt. Debt that I have YET to be given information about. Never the same amount owed. This year the " amount owed '' is a couple hundred Less than last year. Also, no notices, ever. ** I never received any mailed/ physical letter about this supposed debt nor of it being past due. This phone call, or number rather, has called me almost every day for the past 20- 30 days. Even on Sundays! Always rings 3 times and hangs up. 
***Note : I did settled on some debt in XXXX tax year. But this is XXXX And my debt was paid in full via tax return money. ***
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (TX)

I, XXXX XXXX never gave XXXX, Experian, or XXXX any written consent to report anything on my consumer. Furthermore, I sent a dispute letter to the agencies over 9 months ago and they have failed to verify the accounts. My information was involved in the XXXX data breach and my information may have been compromised. No collection agency has verified any of the accounts these agencies are reporting. I will attach my data breach id and the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified accounts are removed from my credit report within 10 days : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX and XXXX, my business received XXXX XXXX XXXX deposited into my checking account that capital one initially sent me a letter stating was closed. The funds was subtracted the negative balance on the account and when i contacted capital one i was informed they were entitled to take the balance owed and the remaining funds were sent back to XXXX XXXX because capital one investigated and determined my business was not a business although i am registered with state. I filed a compaint here with the cfpb and was told the funds were returned. I have been contacting the sba customer service weekly waiting for them to recieve funds. I recently contacted the XXXXXXXX XXXX XXXX  in new york and was informed to contact capital one again because they STILL have not got the return checks. Which leads me to again believe what i stated last year someone in capital one is stealing from my business. This is my last attempt to make sense before litigation.
Consumer complaint received 2023-06-14
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. (MO)

XXXX XXXX investigated a complaint I initiated with XXXX XXXX reporting a charge off on my credit report. There has been 7 years from the date of the first missed payments based on XXXX XXXX investigation. 
XXXX XXXX loan XXXX ( 1 ) last payment received was XX/XX/XXXX for {$9900.00} with a high balance of {$6000.00} XXXX XXXX XXXX XXXX ( 2 ) last payment received {$10000.00} on XX/XX/XXXX High balance of {$7000.00}. XXXX XXXX loan XXXX ( 3 ) last payment was XX/XX/XXXX {$9600.00} High balance of {$7000.00}. they all have purchased by another lender - Paid in full /was a charge off. Est month and year these item will be removed XX/XX/XXXX. Seven years from the Date of the first missed payment for all three loans was XX/XX/XXXX. The investigation shows payments weremade, however this contradicts XXXX XXXX statement of XX/XX/XXXX. 

Request the XXXX XXXX loans be removed immediately from XXXX XXXX XXXX Eqifax credit reports based on incorrect reporting information, or 7 years from the date of the first missed payments. Estimated date XX/XX/XXXX.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX   XXXX   XXXX   and I agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in   XXXX   XXXX   we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to   XXXX   XXXX   XXXX  , please see the attached payment history with shows every payment that I have made on this account since   XXXX   XXXX   XXXX  . Unfortunately,   XXXX   XXXX   XXXX   is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on   XXXX   XXXX  . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $   XXXX due  XX/XX/XXXX .  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,   XXXX   XXXX   XXXX   is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.
Consumer complaint received 2017-05-04
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: EQUIFAX, INC. (NC)

XXXX   XXXX  has billed me incorrect. The billing and collection have a   XXXX   balance on the account  Closed  and cancel with  XXXX   XXXX .  XXXX   XXXX  went into my checking account and take out {$810.00}. But I called my bank and they reverse it back to my account and the bank spoked with  XXXX   XXXX . I had cancel with them and sent back their equipment.  XXXX   XXXX  then had it to appear on my credit report as a collection or negative item. I called Billing and I was told I did n't owe them any money and  XXXX   XXXX  billing dept will send a invoice to me showing that. I do not have the invoice as of today    XXXX   XXXX   XXXX
Consumer complaint received 2022-11-23
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)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX  XXXX XXXX- Account Number : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX- Account Number : XXXX XXXX XXXX- Account Number : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Account Number : XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX- Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX- Account Number : XXXX XXXX-Account Number : XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-11-25
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. (CA)

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

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (AR)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.