davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (IL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-02
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. (VA)

To update this suspicious information, I filed this report. I shall take legal action against Credit Bureau if they fail to verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
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 2023-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (NC)

After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under ASSETCARE and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (WV)

I have more than 66 companies are messing with my credit score. I have two or three companies that I need to fix but other companies I don't owe anything and they are leaving their name in my system and this is disturbing my score to go up, so that's why I'm sending this letter, to enter into dispute to fix my credit, because, I am not able to finance anything else for this.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Iv tried to speak with the company multiple times about the violations of improper reporting of my account. The CRA 's are now being held liable for all the violations they are reporting from the company of XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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. 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 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 a check from chase checking account made out to XXXX XXXX XXXX XXXX for the amount {$14000.00} Was meant to be deposited into the account of XXXX XXXX XXXX XXXXXXXX in XXXX XXXX XXXX, but the XXXX  XXXX XXXX returned the check to Chase or lack of endorsement and the funds went missing. I filed a claim for a check fraud with Chase and they did not refund the money.
Consumer complaint received 2023-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MD)

I have been contacted on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX multiple times a day most before XXXX. I have confirmed information for the debt collectors but they are asking for more personal information while threatening to take legal action in this matter if I dont provide said info. I have not been informed that the company is even a debt collector ( I XXXX  the number & my XXXX shows the company name ) nor have I been made aware of what debt the company is attempting to collect. I am being unjustly harassed, threatened, and to be honest am feeling like Im being scammed.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One is in direct violation of multiple FCRA Laws while reporting/furnishing incorrect and inaccurate data to my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 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 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/2022 I called Transunion about putting a fraud alert on my credit report because of many unauthorized hard inquires. I have contacted these companies and they said they were done online. They told me to dispute them with the credit bureaus. they were not done by me and I asked 3 times to Transunion to remove them and they are telling me to call all the business again and get a delete letter. they aren't willing to do that even though I told them that I did not authorize these inquires.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

XXXX tracking number letter delivered XX/XX/XXXX I sent a certified letter telling XXXX too fix my credit report XX/XX/XXXX and to remove items that aren't me or shouldn't be on credit report and it's now XXXX and still nothin has changed I'm a victim of identity theft and want my credit to be in order I can't even get a XXXX card XXXX nothin business credit card anything at age XXXX and it's ridiculous. I have sent them a list of inquires that aren't mines and I wanted removed immediately due to the fact I never signed up or gave any company my permission to post anything on my credit report those inquires are fraudulent and don't belong too me I have sent more then one letter I actually sent 3 letters to each credit bureau and it has got me no where also I have a loan from money lion on my credit report that I have paid in full XXXX dollars that is still displaying I owe them money I have my receipts and evidence to prove I have paid them in full 8 months early hoping my credit score would have a boost they only report every 3 months and it's been 3 months and my last report there stating my loan hasn't been paid in full but I'm currently paying on time I paid in full in XX/XX/XXXX my balance should be XXXX dollars. Also XXXX I did the same thing wanted inquires that are fraudulent or I didn't do or ask to be put on my credit report about XXXX inquires of places I've never been in contact with XXXX is the tracking number which my letter was delivered to XXXX XX/XX/XXXX and nothin has been cleaned up. Also it's been over two years for most inquires hard and soft that should by law already have been taken off my credit report that these credit bureau are still keeping locked on my report and I want them all removed my letter or time plus money I've spent sending them letters to fix my credit wasn't a joke and I demand to be taken seriously thank you
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (MA)

US Bank advertised a {$600.00} bonus, which I signed up for with the appropriate code and followed all steps to a T that were given to me by an employee of US Bank when I signed up. They denied this promotion 120+ days later when I filed my original complaint with cfpb. This is when they mailed me a letter with this information and provided that if I still disagree to mail in all documents in regards to the promotion. This was sent in over 3 weeks ago and I've had zero response from the company. Therefor I am attaching all documents here as well. The next step will be legal action. I am already planning on leaving US Bank as I am dissatisfied with the absolute disorganization of their company and their predatory tactics. I would like this {$600.00} promotion paid out to me ASAP or the next steps will commence. Below is the ORIGINAL COMPLAINT with cfpb. 
________________ I signed up for a US Bank XXXX XXXX Checking Account in XX/XX/2023 with an advertised {$500.00} Bonus for funding the account and maintaining a {$3000.00} Balance of " New Money '' ( AKA new money, new to this bank account ). I also qualified with the same code for a {$600.00} bonus for opening a payment processing account and making a sale of at least {$50.00} to be direct deposited into the same Business Checking Account. I worked hand in hand with an Agent and clarified all details to make sure all requirements were met and I was assured by my agent XXXX that all requirements were met. I was supposed to receive both of these bonuses within 45-60 days of the account being funded and the payment being processed. It is now beyond that time. I made business decisions factoring in these bonuses and I have left more funds in this account than I wanted to just to let this settle so I could get the bonuses. I would like this {$1100.00} credited to my account immediately. US Bank has not shown themselves as reliable so far because of this situation. I've called a few different occasions and it seems every department redirects me to another department supposedly responsible and nobody can give me a definitive answer what is going on and when this is hitting. I have saved receipts and saved correspondence of the entire process and would like this resolved as soon as possible. 
__________________
Consumer complaint received 2023-08-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (VA)

Rather then accepting payment through their online portal they would rather call I am not willing to give my personal information over the phone that the company should have in tge firt place. They said once you fall behind on payment that they shut It out and it was in my documents which it isn't and they still continued to send me emails saying how easy it was and to make a payment online which they locked me out of so they can litigate then arbitrate the matter.
Consumer complaint received 2023-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Due to XXXX XXXX and other factors, my family 's financial situation became difficult, and we struggled to cope with the high interest rates on our credit cards. Eventually, we reached a point where we can no longer afford to repay the debts. However, the credit card company and collection agency are demanding large sums of money by applying compounding interest, resembling a debt trap. Over the years, they have taken interest that exceeds the principal from the credit card company, and now the collection agency is adding additional interest on top of that. We believe this is unfair, and we request that you follow proper procedures based on accurate calculations and provide realistic solutions such as debt reduction.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It XXXX Concern, I have filed multiple disputes with Capital One in regards to the inaccurate reporting on my credit report and nothing has been done to fix the situation. 

Capital One is inaccurately reporting information on my account in regards to the date the account was closed and a 30 day late payment. 

I have a letter from Capital One stating that the account was closed on XX/XX/2023. As of my credit report on XX/XX/2023 the account was reporting accurately as closed. The following month the account was then reported as 30 days late in XXXX and closed in May. The month after, the account was reported as closed in XXXX and so forth. 

As of my most recent dispute, one account is now reporting that the late payment was in XX/XX/2023 and the account was closed in XX/XX/2023. 

I have been trying to have this situation handled numerous times to no avail and am now demanding it to be fixed. I was suggested to seek legal assistance by the CFPB for next steps and this will be my final attempt to have this situation fixed before doing so. 


Please have Capital One accounts reflect the accurate date of closure ( XX/XX/2023 ) effective immediately.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (TX)

Axos Bank offered customers a {$300.00} cash bonus when the customer opens a new Rewards Checking account and uses promo code XXXX. The bonus the customer receives depends on the Total Qualifying Direct Deposit amount in a 30-day Evaluation Period : {$1000.00} {$1900.00}, cash bonus {$50.00} {$2000.00} {$6900.00}, cash bonus {$100.00} {$7000.00} or more, cash bonus {$300.00} My checking account ( Account # XXXX ) received a {$7000.00} deposit on XX/XX/XXXX, five days after the account was opened, fulfilling the offer terms. Note that this deposit fell within Axos 's stated 30-day Evaluation Period.
Consumer complaint received 2023-08-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

15 U.S code & 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this CFPB you did not handle my complaint correctly! You are helping these 3rd parties companies house illegal activities and information! You also didnt notify me of my dispute! Experian and XXXX is illegal housing information causing me hardship! I am the original creditor and I didnt not give no consent or permission to have these companies to report negative information on myself! That is against FCRA! I want to know what proper steps was taken to know how wasnt my dispute resolved? Can you show proof of how those negative collections belong to me? Can have the companies send me the account information? Like account records, with payment information as wells? original signing signature? Can u show me all the open dates, account details? I sent in cease-and-desist letters. I sent in all my correspondence to via certified mail. CFpb have Experian and XXXX send in all the paperwork showing that all proper step was taken to to investigate this complaint! Because right now you all illegally helping Experian and XXXX participating in fraudulent activities! I will take legal action against you all! Collections thats need to be removed are XXXX XXXX # Acct number XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account thats is reporting .. All them accounts needs to be removed & discharge immediately! None of those accounts belong to me legally! All the information from accounts number and open dates and late payments are illegal and wrong! These items do not belong to me! So show me prove? What step was properly taken? Please have experian and XXXX provide proof of a lawful and legal investigation.
Consumer complaint received 2023-08-07
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. (TX)

You are in violation of reporting incorrect information on my consumer report. The company responded to CFPB and stated that the account would be removed from my report, yet it is still reporting. Please see the attached dispute letter sent to the company, which is dated, and time stamped as well as the cfpb complaint stating that the account would be removed XX/XX/2023. I am demanding that the account XXXX XXXX XXXX ( XXXX XXXX ) be removed from my credit report immediately.