davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA violations : accounts not mine XXXX XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $ FCRA violations : addresses not mine XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX FM XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$7400.00} written off. 
XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open.
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

I noticed my credit score dropped substantially so I pulled my credit from XXXX and found that a collection account for {$3900.00} was being reported incorrectly on my report. I tried to dispute the record on the XXXX report but could not complete the dispute because I didn't have any information about the fraudulent activity except the company that reported the charge and the amount. I called XXXX XXXX XXXX on XXXX to report the fraud and they said they were opening a fraud investigation but they would not give us any information regarding the fraud that occurred. Received a letter from XXXX XXXX XXXX today on XXXX that the matter was referred to Sequium and asked me to call them at XXXX to open a fraud claim. I called Sequium and they refused to confirm or deny any record. They also hung up on me.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Experian and XXXX has the wrong Credit Score at XXXX and my XXXX XXXX should by XXXX. Experian and XXXX ate Discriminating against me because I am XXXX American. I want a full investigation into Experian and T because they both are Quity of Racial Discrination. I want Experian and XXXX to correct my Credit Score to XXXX.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (VA)

Shellpoint Mortgage XXXX has been illegally reporting late payments to all three Credit Bureaus stemming back to XX/XX/2020. While I was in a COVID 19 Repayment program Shellpoint promised not to charge any late fees or report any negative credit reports against me. I entered into the forbearance agreement with Shellpoint in XX/XX/2020. On XXXX, XXXX & XX/XX/2020, Shellpoint Mortgage reported to all three credit reports that my mortgage was 60 days late. Then recently, Shellpoint Mortgage reported that my mortgage was 30 days late, when in fact, my mortgage has not been late since I entered the COVID repayment/forbearance agreement/period. 

Below is what is listed on Shellpoint Mortgage website. Shellpoint Mortgage and the three Credit Bureaus XXXX, XXXX and XXXX has disenfranchised me by falsely reporting these errors on my credit report, causing me to have a lower credit score and be denied critical lifechanging loans. I am respectfully requesting my credit reports are updated to reflect NO negative mortgage payments from the period of XX/XX/2020 until present. This is my right as a consumer to have an accurate credit report. I request my credit reports be updated immediately. I am attaching a copy of XX/XX/2020 statement to corroborate my aforementioned statement. Please review additional information where it indicates that I am in a repayment plan. 

During the forbearance period, we wont charge you any late fees. Also, we wont file any negative credit reports against you. But before your forbearance period ends, well work with you to build a plan to repay the payments you missed.
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/19 I filed a complaint through Bank of America and the FTC website regarding a credit card that was opened by my wife without my authorization. 

On XX/XX/19 I received a letter from Bank of America stating that I was responsible for the debt because there were payments made. This doesnt dismiss the fact that this credit card was opened without my knowledge.
Consumer complaint received 2017-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (SC)

I received a call from XXXX of Assett Associates and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to XXXX XXXX for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In early XXXX I noticed that there were charges in the amounts of $ 20-25 on my account from " XXXX '' and contacted my bank ( bank of america ) to remove these charges because they were unauthorized. I was told to contact XXXX and check with them if these charges did occur and I was mistaken. After contacting them they confirmed that the charges were not there on their end either. So I called my bank back and made a claim and they gave me temporary funds and said that they would look into it for the final decision. In early XXXX I received a notice saying that my claim was rejected and they were taking back the temporary funds that amounted in about {$54.00}. They removed these funds and now my account is in the negative and i received an overdraft fee. I still want to reject these charges because XXXX said that I never made them and I don't remember making them either.
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XXXX, Chase Bank closed all of my credit card accounts without warning. I called in on Friday XXXX to see what was going on and they said they were opting to close the accounts due to a large spike in spending. They said I could request a secondary review but did not say what that entailed. An agent, " XXXX, from XXXX XXXX XXXX '' later told me outright that they intentionally do not tell customers what that process entails. XXXX was the agent carrying out the secondary review. She cold called me the following Monday on XX/XX/XXXX( mind you, no banking days had passed between dates ) and began asking a series of questions I was unprepared for. She stated in a subjective opinion that she did n't understand my explanations for the increase in spending ( between jobs, just had to pay school tuition, and moved into a new apartment with a larger than desired rental deposit ). I bought gift cards since my roommate accepted them as payment for covering my deposit and rent from time to time. It helped me ease the financial burden, distress, and hardship. XXXX proceeded to state that her decision was final based on " nearly maxed out credit lines '' which had n't had time to pay down. She could n't even see the near {$15000.00} in pending payments to Chase now that I 've been given financial support by my family. This is notable because the crux of the issue was near maxed out credit lines. Not being able to factor in a massive reduction of outstanding credit seems inappropriate. After that, we discussed other reasons she wanted clarification on ( AFTER SHE ALREADY MADE A RUSH DECISION ). She had incorrect info about a credit CONSOLIDATION request which on her and showed as a credit increase request. She had inaccurate information on me funding a bank account with a credit card which she said was a cash advance. She could n't state which exact terms and conditions she was utilizing upon request. Chase had previously deemed me worthy for these credit cards and then predatoraly revoked them. The entire thing felt rushed and it was a tough effort to get straight answers from XXXX. It may not have been her fault, but she was working off of inaccurate information, had n't given me time to rectify or mitigate any of Chase 's worries, and then made a rushed subjective decision without the most up to date information on my credit report. Even further, she stated that she was n't even sure if I could be refunded the Annual Fees for these cards, some of which were no small sum ( {$450.00} ). This is yet another slight to me by Chase. Carrying out a secondary review using the exact same info and being quick to brush aside explanations is not truly a secondary review. In summation, I believe Chase Bank acted in a rushed manner with inaccurate information to close my accounts without warning and to the long term detriment of my financial well being and credit report.
Consumer complaint received 2017-11-08
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. (GA)

I filed a dispute with XXXX about account number XXXX reported by the XXXX XXXX XXXX XXXX.in a amount of {$880.00}. I told XXXX that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I receive notice from Chase about foreclosure tried to do Loan Modification.Sales date was XXXX XXXX,2017, Modification was denied. Prior to this I had been working with a person that did a process to prevent foreclosure, when I went to Bankruptcy Attorney to file Chapter XXXX he was told that there was a interram on property and bankruptcy was n't granted hose was sold on XXXX XXXX,2017. The problem was n't with the Bankruptcy attorney but with the first gentleman.Because my property was attached to someone else Chase sold
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Adjustment Service, Inc. (CA)

I XXXX XXXX XXXX am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. 

XXXX. DIVERSIFIED ADJUSTMENT Original creditor : XXXX XXXX number # XXXX XXXX. XXXX XXXX / Account number XXXX
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MT)

Several accounts were shown as still open despite multiple calls, emails and letters to Equifax regarding all accounts having been closed from Bankruptcy, as well as accounts that I did not even have access to- they were opened in my name, i had no access to the account whatsoever, still showing on my account despite multiple complaints. 

Incorrect reporting, not showing accurate credit rating. 

The dispute process went over a year.
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I tried to log into my account with Capital One for my credit card to view my transactions. I was directed to a screed to verify my contact phones, email and then the 3rd box I am asked to disclose my income and employment status. The information is mandatory and would not let me bypass. I called customer service and then escalated to a supervisor. No one could provide me the information I asked for which was under what authority, or requirement was this " bullying " tactic imposed on my account. I was told they wanted this information for offers and/or limit increases. I would agree this information should be provided if I asked for an increase, but I did not! 

I have never received a notice disclosing I would be required to disclose this information on an ongoing basis! I have had this card for 15 years or more. This is the second time I have run into this type of practice by a bank/credit card company. This should not be imposed on the consumer when we have been forced to online activity by banks and then they force the consumer to disclose what ever information they are seeking or deny access to your account which includes paying your bill! 

I am upset enough I will look for another company and close this account, but the real issue with this is this affects the consumers credit rating. In my case this card has a high limit, I have had for 17 years and in good standing. Closing this card will lower my credit score! I would rather bury my money and never have to deal with banks again, the login, fraud, breaches, the extreme hassle of calling for access, the wait times ... Oh what a joy!
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Credit report date : XX/XX/year>. 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. 
Account name : 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, 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 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 2023-03-10
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)

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CO ) XXXX Balance : {$700.00}
Consumer complaint received 2017-11-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Love, Beal & Nixon, P.C. (OK)

Hello! 

An employee of Love, Beal & Nixon, P.C fraudulently charging my debit card for his insurance plus he tried to spend {$470.00} at XXXX online when my bank called and shut down my card because of abnormal activity on XX/XX/XXXX. An employee of Love, Beal & Nixon, XXXX XXXX XXXX, called me from a different number ( his cell phone ) at XXXX XXXX to tell me my card number was invalid. I then explained to him that yes it is because I had some fraudulent charges on it. He seemed sympathetic etc and I told him that I would be getting a new card and would call him with that information. I called his office the next day, because I thought it was odd that he was calling me at XXXX and asked to speak to a supervisor. The man that answered the phone said he no longer works there. XXXX called me the next day while I was on a lunch break to ask if I had received a new card. I said Im a little confused because originally you told me that Love, Beal & Nixon does not accept debit cards and if you dont accept them why would you need it? He said because it would be a backup in case I didnt pay. I then informed him that I called the office and they said he no longer worked there. He denied it and asked who said that? I told him I didnt catch his name. I told him to call me back around XXXX and I would get the card and give him the number. He never called and Im assuming he knew that I knew it was him that did the fraudulent charges. I called Love, Beal & Nixon because I never got a call back, and asked to speak to a supervisor. The lady said she could help so I told her the story. She said you need more than a supervisor and placed me on hold. I spoke with XXXX XXXX, General Manager and told him my story again. He said XXXX no longer works there and that the XXXX had done this to another lady and she was filing a police report and that they, XXXX, XXXX XXXX XXXX, were filing something also. He asked me to fax him a copy of the police report when I got it. 

Love, Beal & Nixon P.C. took me to court over an old credit card debt. The credit limit was {$300.00} or {$400.00} and now is {$2600.00} that Love Beal & Nixon bought from XXXX XXXX XXXX XXXX. I asked if they would drop the interest off and I was told that he would fight it and so I agreed to pay {$50.00} a month. I would think that Love, Beal & Nixon would have some type of responsibility for their employees. I have written an email to XXXX XXXX on XX/XX/XXXX and as of today XX/XX/XXXX I never received a response to that email. I did receive a letter dated XX/XX/XXXX saying they have n't received my payment. I do not think that I should owe anything on this debt after an employee of their company wrongfully used my debit card. That person would have never had my debit card number if he was not a collector on an account of Love, Beal & Nixon. They have some liability for this/his action.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Dear CFPB, EXPERIAN, XXXX, XXXXXXXX XXXX XXXX XXXX I write to you as a concerned consumer, well aware of my rights under federal law, particularly as enshrined in the tenets of 15 U.S.C. 1681 ( i ) ( 7 ) and 15 U.S.C. 1681 ( i ) ( 5 ). These statutes underscore the need for timely, accurate, and impartial credit reporting, principles I hold dear in my relationship with your esteemed agency. 
My concern pertains to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which, upon meticulous examination of my credit report, reveals glaring inconsistencies. While I have previously attempted to dispute the account 's accuracy, these efforts have regrettably yielded no conclusive verification of its legitimacy. It is imperative to reiterate that the legitimacy and credibility of this account are significantly questionable. 
15 U.S.C. 1681 ( i ) ( 7 ) obligates your agency to promptly correct or delete any information found to be inaccurately reported. The stark discrepancy in the status of the account in question across the major credit bureaus constitutes a clear-cut case for a detailed investigation, as well as the subsequent deletion of the disputed account. 
I hereby formally request that your agency not only undertake a thorough investigation into the contested account, as mandated by the law, but also proceed with the immediate deletion of this account. It is important to emphasize that previous investigations have left a trail of unsatisfactory responses, leaving me with little recourse other than to insist upon its deletion to restore the integrity of my credit report. 
In the pursuit of my rights as a consumer and under the aegis of 15 U.S.C. 1681 ( i ) ( 5 ), I demand a diligent, accurate, and swift response. The statute underscores the importance of your agency 's role in upholding the principles of fairness and accuracy in credit reporting. 
The demand for the deletion of the disputed account is not merely a request ; it is a legal and ethical imperative to rectify the inaccuracies that have tarnished my creditworthiness and financial standing. The precedent set by federal statutes and the protection of consumer rights firmly support this request. 
In conclusion, I implore your agency to treat this matter with the utmost gravity and urgency it merits. The due diligence and expeditious attention to this matter are not only prudent but absolutely essential to rectify the apparent inaccuracies affecting my credit report. 
I anticipate your prompt acknowledgment of this request and expect a timely resolution, which will restore precision, impartiality, and credibility to my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (GA)

Mrs BPO keeps adding the account to my credit report, however, I have never received notification of the debt or my rights as a consumer in writing. I have disputed with the bureaus and XXXX has removed. XXXX XXXX XXXX have not.