davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

My wife and I opened a joint account at Chase in XX/XX/2021. We did this in person at a branch. We brought all the required identity documents and extras just in case. All of our information was verified, and after over an hour, the account was opened. A couple of weeks later, I went to pay my credit card bill, and find out that my account was locked. Chase seemed to think there was something fraudulent going on with my account. It took multiple calls and several hours on the phone to resolve this. The obviously outsourced customer service seemed to have no clue what they were doing, and kept transferring me to different people, or telling me I needed to go into a branch. After several tries, the issue was finally resolved, or so I thought. My wife 's account was similarly locked, and we can not get any help. We spent half the day on hold, talked to several agents, and while on hold for yet another agent, the call went completely silent. We are completely fed up. We both need to be able to access our accounts, and we do not think it is too much to ask to be able to contact support when needed. Having overseas reps that can barely speak English and can't understand the issue or how to resolve it is XXXX. I have never had problems like this over many years of being a Chase credit card holder, so I assumed their consumer banking division would be run about as well, too. I was clearly wrong.
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (TN)

Your investigation did not fix error in my credit file. I have informed you already that my report contains inaccurate and incorrect account that results of identity theft. XXXX already deleted this from my report and you should also comply with the law. This account must be remove and delete from my report asap.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Innovative Funding Services, L.L.C. (MN)

I was looking for an auto loan on XXXX XXXX. This company XXXX XXXXXXXX XXXXl came up with the best rates. We, my wife and I applied for the loan and were told the rates would be around 2.74 % for 5 years. Mind you my wife and I have top 1 % credit scores. XXXX. The entire process was long and drawn out and they kept requesting what I thought was an outlandish amount of additional information. The whole process took about a week for them to come back and say we have great news you are fully approved for a hot mess of a loan. They wanted to give us terms of 5.75 % for 36 months. No where near best out there, no where near advertised, and then the icing on the cake was they wanted to force me to buy a vehicle warranty plan. They didn't even understand that I have 2 years + left on my factory bumper to bumper! Bait and switch, super misleading and huge waste of time. These companies with bait and switch need to have a serious coming to XXXX with the XXXX. 

I do not have the audio recordings of the phone calls ; they do. 
I am looking for a screen shot of the advertised 2.74 % and 60 mo. After I told them I would be filing a complaint I noticed they pulled the rate from the lending tree offer page.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

I purchased items from XXXX using PayPal and my PayPal credit card issued from Synchrony totaling {$1600.00} on XX/XX/XXXX. The transaction was broken into multiple transactions : {$210.00}, {$950.00}, {$27.00}, {$27.00}, and {$430.00}. XXXX 's claims to have issued three refunds totaling the full amount of {$1600.00} broken into 3 transactions : {$950.00} on XX/XX/XXXX, {$59.00} on XX/XX/XXXX, and {$640.00} on XX/XX/XXXX. However, only two of those transactions ever posted on my account ( {$950.00} & {$59.00} ) and I have been forced to pay the {$640.00} for merchandise that I have returned almost a year ago! In fact, the merchandise was returned in XXXX. I have been fighting with PayPal, Synchrony, and XXXX 's for almost a year and have spent hours ( 25+ ) trying to dispute this and have opened multiple inquiries, all which are always ruled in the favor of the merchant and Synchrony nor PayPal has done anything to track down what has happened to the returned funds from the Merchant. This has been an incredibly aggravating and experience that has not only cost me lots of precious time, but also has left me out of pocket for {$640.00}.
Consumer complaint received 2021-12-22
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)

Experian is making me very angry and the fact that you are trying to get away with criminal activity makes me take your agency to the media. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Experian is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Experian also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency is also practicing aggravated identity theft as they are listing information from a company I don't have a contract with nor did I give consent to have my identity.
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

My capital one credit card account was in good standing.. I got behind when I was incarcerated on XX/XX/XXXX... I had auto payments set-up ... I don't understand why they didn't give me a notice... Now I owe a debt I had no control over... I am think I'm a victim of fraud because my account was accessed while I was incarcerated...
Consumer complaint received 2022-10-11
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. (PA)

My name 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 XXXX XXXX Code XXXX 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX I used online XXXX to clarify proof of debt. They sent me the XXXX promissory note and deed of trust. XX/XX/XXXX I sent XXXX the Opt-Out of third party personal information sharing. They refused and said they are following instruction from XXXX. 

Transunion, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers Incorrect non-matching account type-detail incorrect non-matching date opened Incorrect non-matching balance Incorrect past due Incorrect payment status incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Consumer complaint received 2021-12-22
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. (AL)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was scammed of {$350.00} after I received an email stating that in order for me to upgrade my XXXX account to a XXXX business account I had to send {$350.00} to a XXXX agent. The emails were structured as a XXXX email and the fraud/ scam artist was impersonating a XXXX  agent. 

Filed several times already and no one has been able to help me. I work hard for my money and I was scammed of {$350.00}. Money that could be going to my family and expecting baby. I filed this claim the day the incident happened so I don't know why the money wasn't stopped or retracted as soon as I sent it. Instead the process has been dragged XXXX months. Wells Fargo has a policy where the supposedly protect their customers from incidents such as this one, but they have done little to nothing to help me. This is the first time a situation such as this one happened to me and my own XXXX bank is unable to protect me from things like this. MY OWN XXXX  BANK IS UNABLE TO PROTECT ME FROM FRAUDS AND SCAMS.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Equifax is making me very angry and the fact that you are trying to get away with criminal activity makes me take your agency to the media. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Equifax is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Equifax also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency deleted accounts from my report because an actual HUMAN looked into my rights so that is proof XXXX broke the law several times and is getting away with criminal activity. The agency is also practicing aggravated identity theft as they are listing information from a company I don't have a contract with nor did I give consent to have my identity. DO NOT take this as a dispute. I am exercising my rights and if you send this demand through a computer, you are practicing criminal actions.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I noticed that XXXX has removed my XXXX  XXXX bankruptcy from my report. The bankruptcy was filed on XX/XX/XXXX. Transunions website states it will remain on my file for up to 10 years. This is a federal Bankruptcy so I would think the credit bureaus would be required to be consistent in reporting information. They told me it will remain in my report until XX/XX/XXXX. I have excellent credit since the bankruptcy so one would think they would take this into consideration when saying it will be on the report for up to ten years.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Account Control Technology, Inc. (TX)

XXXX XXXX XXXX has called 4 times today alone. I have told him that if he has legitimate business with me send me the paperwork and I will have my attorney take care of it. He calls and threatens to have papers served on me for credit fraud on a debit that I dont owe. He claims to work for or with an attorneys office but refuses to give me the name. He tells me that they, meaning him and a collection agency that has been harassing me for XXXX years named XXXX XXXX, are just going to continue calling me. They call my parents house number as well as my number. I have asked for them to send me documentation for the debit and they just threatened to have me arrested because I didnt want to pay over the phone. I have been harassed and threatened by these people for years and I have repeatedly told them that I dont owe the debit and told them to no longer call me. XXXX XXXX XXXX phone # is : XXXX ( XXXX ) XXXX. The number of XXXX  changed every time or was blocked but my parents continued to tell them that that it wasnt my number. 
My name is XXXX XXXX XXXX My Phone number is XXXX and my address is XXXX XXXX XXXX, XXXX XXXX Tx XXXX.
Consumer complaint received 2021-12-22
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. (TX)

A collection was placed on my Transunion credit file on XX/XX/2019. Upon reviewing the item on my credit file, I immediately responded with a challenge letter, requesting any additional information on the account. After several letters, the account was deleted then reinserted about a month later without properly notifying me. Blatantly violating the Fair Credit Reporting Act which clearly states, the consumer reporting agency is to notify the consumer through a written letter within five business days after the determination is made. A violation which carries the fine of up to a thousand dollars. 
However during an investigation of my own, I was able to contact the alleged seller of this account. 
Along with this correspondence, I have attached an Email from a representative at the XXXX apartments in XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Phone number ( XXXX ) XXXX. The gentleman was unable to verify any claims that I signed a lease agreement with the apartment complex in question. 
Furthermore, despite numerous requests, Transunion has failed to show any details of their so called reinvestigation, age of the source of this debt, details of any breakdowns regarding interests and fees. According to the FCRA, Transunion is in direct violation of my rights as a consumer. And I am exercising my rights by requesting legal action in order to immediately remove this item from my credit file. 
Lastly, I would like to take this opportunity to remind this consumer reporting agency that they are not above the law. And they are here to serve the people legally and honestly.
Consumer complaint received 2021-12-22
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. (DC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX
Consumer complaint received 2024-02-20
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)

The unverified accounts indicated below continue reporting 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 donot 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 XXXX
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (CA)

I received a notice of a debt owed which I sent in a payment and the check was cleared on XXXX XXXX, 2021. I continue to receive notices the debt has not been paid and phone calls. I have sent two notices back with copies of the cleared check in XXXX and XXXX yet the debt collections agency claims they have no record of the debt paid off. I am attaching one of the bills I have received along with a copy of my paid check in the full amount with the account number on the check. I received a phone call today and the person from the company first told me he checked with a supervisor to see if the debt was paid then changed his story to he checked an automated system. He refused to allow me to speak to a supervisor and stated they had no email address available for me to send the copy of the check and notice but wanted my e-mail. The company is A.R.M Solutions , Inc. address is XXXX XXXX XXXX XXXX Ca. XXXX ; ( XXXX ) XXXX ( This information is from their website ). The notice has a XXXX XXXX XXXX XXXX and phone ( XXXX ) XXXX. Their website lists an email address XXXX. Thank you for your assistance in this matter. XXXX XXXX
Consumer complaint received 2021-12-22
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. (MO)

Experian ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) and XXXX ( XXXX XXXX XXXX XXXX, GA XXXX ) continue to report inaccuracies, errors, erroneous, deceptive, misleading, false, and unfair practices on my Consumer Report with XXXX XXXX  ( XXXX ) and XXXX XXXXXXXX XXXX XXXX  XXXX & XXXX ). This account has numerous violations that I stated in the letters. For example, one violation is reporting payment history. Since the charge off date of XX/XX/2020, XXXX XXXX XXXX XXXX XXXX is reporting on XXXX and Experian a charge off every month and it continues to updating the payment history on the accounts. Charge Off accounts should not be reporting active payment history past the charge off date. This is falsely and illegally manipulating the date of last activity of this debt.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 late open 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