davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-01
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. (IL)

I've noticed that some accounts have been reported to my credit that doesn't belong to me and I've been trying to work with the credit bureau since XX/XX/2020. My name is a common name and they were reporting a person with similar name and they were able to help me to correct most of them and removed from my credit, but XXXX XXXX, they insist that those two accounts are mine ( both accounts are closed but one has a balance of {$12000.00}. I called XXXX XXXX to try to find the account providing my social security and they weren't able to find any account under my social, and now they are sending me to a collection and this is affecting my credit. 
I have been told them that my name is different that the name that they are sending the letters, also the addresses that appear on my credit are from another State that I have never lived there. XXXX XXXX send a letter on XX/XX/2020 telling that they've verified the accounts an that I was making payments from XXXX  XXXX XXXX and XXXX XXXX accounts which is also incorrect. I don't have any account with any of these institutions. These two accounts belongs to somebody that have similar name and as you can see on the attached letters the name is not my correct name. I will ask you make a deep investigation in this issue as I've been trying to fix it since XXXX and this is affecting my credit score, some companies are reducing my limit and I can't open new accounts. This information is been reported to the three bureaus. 
Credit card companies must have different forms of ID 's on their file to prove that the information is correct. I can proof that I have never have any XXXX XXXX in my life and I won't open one in the future.
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I applied for a credit card way back in XXXX I was working a lot at the time and my credit was perfect I had no credit trouble. Then hard times came I bought a home over inflated in XXXX right before the housing crisis. Then work slowed so I had to cut back my bills. Unfortunately this credit card capitol one being the card was not at all trying to work with me, so I was left with no option but to not pay. They would take money and charge so much interest it was as if I never paid them anything. Then when I asked about making a deal I was resoundingly told no. So after 7 years I checked my credit report after years of abuse from creditors that I recently found out were banned from collecting debts in the first place! Phone calls at all hours, threats of credit ruin, threats of being sued, I was afraid to keep money in my bank account because I thought they would take it. It was really bad and I didnt know being in my XXXX that it wasnt legal to do that. Which brings me to my main complaint, I am now XXXX years old! This account is soooo old and it shouldnt be delinquent on my credit report still!!!! Even after a dispute they just said we dont agree with the dates the consumer stated were true! Outrageous! I opened this account when I was in my XXXX I am XXXX! They keep moving the date up of when I opened the account and it just keeps hanging on my credit report. Capitol one is the worst bank I have ever dealt with in my entire life! Please help if it is possible.
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

Hunter Warfield, Loan Claim was disputed with XXXX Credit. I have never had, any verbal or written agreement with this firm for any loan. I have never had communications with anyone at this firm for a loan or received a loan from Hunter Warfield, who refused to removed this false claim from my credit report. 

Company : Hunter Warfield : Account Number : XXXX Loan Amount : {$27000.00} Hunter Warfield XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting 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)

al these accounts that i dont know and are in my report i dont want them, ihave reported them many times XXXX - 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
Consumer complaint received 2021-04-19
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. (GA)

I do not recognize account and inquiries I have in my credit report. I am kindly asking you to check this information on identity theft issues. Couple of months ago I became victim of identity theft someone just used my personal information and therefore as a result I have unknown items in my credit profile. So I hope you can do something towards it and remove all these unknown fake accounts and inquiries. Thank you so much
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CA)

Due to the nature and urgency of my concerns of fraudulent activity while opening my account at J.P. Morgan Chase Bank in XXXX XXXX, CA. I made an attempt to hand deliver the following letter and all XXXX XXXX Chase staff members refused to sign for the delivery. Therefore, I sent my correspondence via USPS Certified Mail. 

XXXX XXXX J.P. Morgan Chase Bank XXXX XXXX XXXX XXXX, Ohio XXXX CERTIFIED MAIL XX/XX/2021 RE : Authorization to Release Social Security Verification | Account XXXX Dear XXXX XXXX, I am writing to revoke the authorization to release social security verification form and the online application for checking account ending in XXXX. The reason being is the manner in which you obtained the authorization to release the social security verification form. It was in more of a furtive, conniving fashion which is not acceptable or professional. 

I dont recall ever having to sign this release to open a checking account for any financial institution and this document ( without preface ) was slipped in during our conversation in the process of opening my account. If you require to view or need a copy of my social security card, then all that you had to do was to ask for it. 

I also did not receive my login username to obtain copies of the account disclosure documents, nor did I receive any type of information related to my account. 

Regards, XXXX XXXX Hand Delivered to the Office of : XXXX XXXX | Chase Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Received on XX/XX/2021, in Person or in C/O by : Printed Name : ____________________________ Signature : ___________________________ CC : Social Security Administration, J.P. Morgan Chase Bank N/A XXXX Ohio
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (GA)

National Claim Adjusters is in violation of the Fair Debt Collection Practices Act. XX/XX/XXXX an FDCPA demand letter was sent to NCA and received XX/XX/XXXX. Legally the collector has 30 days from receipt to respond with proof requested, including that I owe the debt and that they have legal right to collect the debt, their license to collect debts in my state, and original contract I signed with the original creditor. NCA ignored the letter and failed to respond within 30 days. As a result, legally NCA must cease collection efforts, removed negative items on my credit report, or send a letter stating negative items were placed on my credit report in error. However NCA has reported to the credit bureaus their information is accurate. Then XX/XX/XXXX I received a letter from NCA, dated XX/XX/XXXX, including a XX/XX/XXXX credit card statement, indicating this was the information requested. However I didn't request a " verification of debt '', which is not a validation.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/XXXX I received an email to open both a Checking and Savings account with Chase Bank. I would receive a {$200.00} bonus if I opened a checking account and set up direct deposits, a {$200.00} bonus if I opened a savings account and kept {$15000.00} in there for at least 90 days, and a {$100.00} bonus if I completed both. As long as I used the coupon code provided in the email, I would qualify for the bonuses. 

I then opened my checking account on XX/XX/XXXX using the coupon code provided and it then prompted me to open the savings account. I populated the savings account on XX/XX/XXXX with {$15000.00} and then set up direct deposits to start XX/XX/XXXX. I received the {$200.00} checking bonus on XX/XX/XXXX. 

I waited until XX/XX/XXXX which was 90 days after I populated the account for the additional {$300.00} bonus ( {$200.00} for the savings and the {$100.00} bonus ). according to the email, it could take up to 10 business days for the money to hit my account. 

On XX/XX/XXXX when the money hadnt hit, I called Chase customer service. They told me that I had not applied the coupon code for the savings account so I was only eligible for the checking account bonus. They also said if I had noticed within 21 days of opening the account they could have helped me but it was now too late to do anything. 

I find this to be extremely predatorial banking. I followed their processes to a tee and completed everything they asked of me and they refuse to give me my bonus because I somehow didn't apply the coupon code to the savings account opening. To be clear, I thought it had applied because it applied to the checking and then prompted me to open a savings account
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MA)

Can not even " dispute '' with the  Credit Reporting   Co.!  XXXX  has  no human to talk to and no option for actual contact online or even a choice to pay for a report if it " looks '' like you already got to see your credit reports! My computer crashed and when I tried to go back in, it said I had already accessed all  XXXX ! I only have the  1 report, b ut no one to talk to. I need it right away for court on Wed.
Consumer complaint received 2023-03-09
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. (SC)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

On XX/XX/XXXX, I requested to transfer my Capital One Roth 360 IRA Savings account to an XXXX Roth IRA. After filling out and signing the appropriate forms so that the transfer could go through XXXX 's third party clearing operator, XXXX XXXX, months went by with no communication except for a weekly form email saying " Thank you for your patience. '' I spoke with Capital One on XX/XX/XXXX, and they told me that a check had been sent out on XX/XX/XXXX. I spoke to them again on XX/XX/XXXX, where I requested an affidavit to receive the funds from my Capital One account directly rather than moving them to XXXX, since I had lost faith in XXXX clearing after so many months of the runaround. They said they would email me this form ( they still have not XXXX. 

Meanwhile .... on XX/XX/XXXX, I received a message from XXXX stating that XXXX XXXX  HAD received my check on XX/XX/XXXX, but they rejected it because Capital One had not filled in the correct information on it. XXXX gave me no indication of this at the time despite my inquiries into its whereabouts. 

So on XX/XX/XXXX I called Capital One back to ask them to reissue the check with the correct information. They now claim that the affidavit I requested to get the money transferred to me is also required to get the check reissued to XXXX and that this form must be notarized. They also claim that the form was emailed to me on XX/XX/XXXX, but it was not XXXX I have scoured every part of my inbox ). 

So now my money is not in any of my accounts, and Capital One will not let me access it without a form that they are not providing me. 

Note : I'm listing Capital One as the company on the complaint because they you can only list one, and since they are the ones who are keeping my money from me, they are the ones most likely to be able to resolve the issue with pressure from you. But I believe all three companies, Capital One, XXXX, and XXXX XXXX, are at fault in varying degrees for what's happened here.
Consumer complaint received 2021-04-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO. (MI)

XXXX XXXX XXXX and their agents XXXX account representative, and account supervisor XXXX, XXXX end of lease team ext XXXX ) reprocessed lease vehicle that was not at the end of it's lease, I have establish contact with these representatives and informed them of my intentions to resolved pass due balance before the end of the lease terms, but because of covid-19 impact i was not able to follow through with the payment on the day i have promise, my attentions were to pay on Monday XX/XX/2021, without knowing they reprocessed the vehicle before lease term ended. In the interim i have establish finance to purchase vehicle, however because of Account representatives presumptuous ambitious and reckless decision which have cause irreparable harm that impacted my time lost on job for not having transportation, public embarrassment, abruptly ended the lease before term concluded, not considering covid 19 hardship that have restricted my family finances and refusing to take key fobs after car was reprocessed this will intern cost more money on the finale bill, prematurely precluded me from purchasing the vehicle.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

On XX/XX/XXXX, I applied for a re-finance mortgage with my mortgage company Caliber Home Loans located in XXXX California, loan officer XXXX XXXX. My regular mortgage is at 4.125 % ( fixed over 30 years XXXX, and he told me I could re-finance at a lower rate of 3.25 % so my monthly payments would decrease about $ XXXX. About XX/XX/XXXX, I talked to a credit card company about re-adjusting my payments due to Covid-19 hardship. They agreed, however, they did not process the change properly, and as a result, my credit rating went down. They acknowledged the mistake, and corrected it. XXXX told me as soon as my rating was corrected, the re-finance loan would go through. He said it was corrected, however, it has now been almost 8 months, and I am still waiting to get the re-finance loan finalized. The problem is that my hours at work have decreased substantially, and the saving of $ XXXX with a lower mortgage rate would have helped tremendously. In the meantime. XX/XX/XXXX, my mortgage increased by over $ XXXX/month. Also, in the meantime, mortgage rates have dropped. I received a letter from XXXX back in XXXX explaining that due to Covid, things are moving slow and that it would take another 45 days for the loan to be finalized. Here it is XX/XX/XXXX, and still nothing. I've sent emails and made phone calls to XXXX almost weekly, and he will not return my calls or emails, except to say he is working on it. I don't trust this company now, and an very upset that I am losing money to them every month. He won't tell me where the loan is being held up, and I have asked repeatedly for detailed time-lines as to the progress of this re-finance loan. It has been almost 8 months now, and with my job issues due to Covid, I am getting more into debt, my credit rating is dropping, and I'm worried I won't be able to make mortgage payments in the coming months. I am feeling extremely stuck and frustrated, because I could have applied ( and did XXXX to other companies and had this settled, however, XXXX promised me staying with Caliber would cost less, and he could save me more money. With less employment and a lower credit rating, there's a good chance I now would not qualify for any other companies.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, 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. 

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 2021-04-19
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. (NY)

I have submitted a request to XXXX XXXX the creditor ) to provide me with documentation which they have refused numerous times to comply with. Per FCRA guidelines the creditor must comply with providing requested documentation to the consumer or the account must be removed from credit reporting. 

I paid a collection account in full in XX/XX/XXXX. I received a paid in full notice from the collection agency who received the payment. In XX/XX/XXXX I opened an account with XXXX after comfirming my previous account was paid off. Later that same month the account appeared in collections again with a new agency. I contacted XXXX and asked for them to investigate which they did. XXXX stated the payment made in XXXX was returned in XXXX, XXXX weeks later. I received no notice of such from my bank. I asked for XXXX to supply me with a copy of said payment reversal which theyve refused and told me to obtain any documentation from the collection agency that I had paid, which has been out of business due to COVID-19. I received a notice of the full balance due from a new agency and paid a settlement offer just to stop fighting with XXXX. They are not compliant with FCRA guidelines, and theyve now been paid hundreds more than the original full balance paid in XXXX. Please see the attached correspondence as well as the paid in full notice dated 1 month AFTER XXXX claims the payment had been reversed. 

This dispute has been filed directly with Experian as of XX/XX/XXXX.
Consumer complaint received 2021-04-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (SC)

The debt I have with this company rise credit was taken online over 2yrs ago.The amount of XXXX is not the amount owed. These are interest rates that theyve added on to collect more money.They continue to call and send me letters about this debt which theyve also sold my information to debt collection agency. This is violating my Hippa rights as a consumer.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

I have Citibank 's Interest checking account. Got an email from Citigroup which stated that for any direct deposits, I will get upto 2 % cash back ( up to {$100.00} ). I have direct deposit of my salary two times of {$2500.00} each during XXXX 2021 after following this promotion all the conditions. 
But I haven't received {$100.00} for these direct deposit activities. 
I can not keep this account open forever to get this {$100.00} as during pandemic my money ( {$5000.00} ) in this account is blocked ( very low interest rates )
Consumer complaint received 2021-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Convergent Outsourcing 2. Validate Account XXXX XXXX XXXX 3. Validate Account XXXX XXXX XXXX 4.Validate Account XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : 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. 

Thank you for your time and help in this matter.