davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited My Paycheck to my Chase Bank account And they continuously put hold on my checks for up to 2 weeks When the checks are always good I've never given them any reason to doubt me for fraud I asked them why are they putting my checks on such long hold She said and this is the supervisor that I altered my paperwork so I went to the branch had the XXXX manager do all the homework himself print everything himself and upload everything himself so I did not touch that 1 piece of paper to show them that these are legal documents from the state of Florida Licensing department So that proves right there This is all because they messed up They know they messed up so now that they have the actual Paperwork Uploaded From one of their managers They see everything is official nothing was wrong they still do not want Release my money I haven't been to work since Tuesday because I have no gas in my car I haven't eaten a real millicence Tuesday because I haven't no food My electricity just got turned off today and I have a Daughter I'm I am going to lose my job because I have not been to work since Tuesday Because I have no gas And now they are putting an overdraft fee on my account because I only had XXXX XXXX in it but they're holding {$2700.00} of my money And have the nerve to charge me an overdrive fee for a service in maintenance charge I can't even afford to buy the Medicine For my mom I had to take her to the emergency Yesterday Just to get some insulin Because her blood sugar was jacked up So people 's lives are potential At risk because this bank does not want to release my money when They know they're the ones that messed up And what's worse They took the money from the other bank Already so they have the funds they just do not want to Release them to me I met the end of my rope I don't know what else to do Short of something drastic And foolish Please help me
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I applied for a Capital One Savor One Card. Since I subscribe to XXXX XXXX and XXXX, I received an alert that XXXX, XXXX XXXX and XXXX had been pulled for evaluate my Capital One credit application. 

I received a online response when I completed the application indicating additional review was necessary and I would receive a decision within 7 to 10 business days. It has now been almost a month ( 20 business days ) and I have not heard one word from Capital One. I have called them several times and I keep getting a response that they are sorry but more time is needed. I have been an exceptional  customer of Capital One for many years and I am at a loss as to why they havent made a decision on my application and refuse to communicate with me. 

No consumer should be treated so unprofessionally. With the 30 days approaching will my application be voided. Will additional pulls of the Bureaus be necessary to continue the application process?
Consumer complaint received 2023-05-24
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. (TX)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-02-24
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: Experian Information Solutions Inc. (NC)

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 2023-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had over drawn my account by XXXX dollars in XX/XX/XXXX so I didnt no they closed the account in XXXX of of XXXX so XXXX of XXXX my tax check for XXXX dollars went to capital one and they didnt return it to the irs they took the overdraft and then three checks third party checks I cashed in XX/XX/XXXX they withheld only the amount of two of those checks then they said the irs told them to take XXXX and XXXX I was told the irs wanted that money returned to them so they closed the savings and they kept the checking account open with the amount of two of those third party checks total XXXX and I was only givin XXXX dollars XXXX XXXX so I called the irs and found out they never told capital one to with hold any money from my tax return they sent transcripts of my tax account capital one has not sent any funds to the irs at all I have left emails and phone messages for a year now to capital one and no one has called or emailed me back about my money I went to the bank on XXXX XXXX asking were is the money they took saying the irs has it I have proof that the irs never asked capital one to hold money or send any money and as of now they wont tell me were my money is the amount capital one took from my tax check is XXXX dollars XXXX is unaccounted for and XXXX is setting in a checking account and I get a statement from capital one with a balance and 14 cent interest
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I wrote letters to Equifax, XXXX, and XXXX on XX/XX/22 and XX/XX/22 requesting for late payments to be removed that were recorded during the COVID-19 Pandemic. Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the pandemic plus an additional 120 days. Request to have the late payments have been removed and is a violation of the Heroes Act.
Consumer complaint received 2023-02-10
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. (IN)

According to the law, USC1681 and USC 1681s2 this company violated my rights. I have a right to privacy and this company violated that right plus use my and reported my account improperly. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of XXXX identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX BANK XXXXequifax XX/XX/XXXX XXXX XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX/equifax XX/XX/XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXXequifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXXXXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXXXXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX -XXXXn/equifax XX/XX/XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXXXXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXequifax XX/XX/XXXX XXXX XXXX XXXXequifax XX/XX/XXXX XXXX XXXXequifax XX/XX/XXXX XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXX XXXX  -XXXX/equifax XX/XX/XXXX XXXX -XXXXequifax XX/XX/XXXXXXXX XXXX XXXX XXXXequifax XX/XX/XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXXXXXX XXXX/equifax XX/XX/XXXX XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXXequifax XX/XX/XXXXXXXX XXXX XXXXXXXX -XXXX/equifax XX/XX/XXXX XXXX XXXX -XXXX/equifax XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-01-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Finance Company, LLC (VA)

XXXX XXXX XXXX assignee of Continental FinanceXXXX MasterCard c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Sent me a false copy of a civil warrant in debt. It contained no case number just company information and a false date and time for court. I checked with the court and no such case exists. I called this company bringing this to their attention and they said they couldn't continue the call and hung up. The debt is valid however they made a threat to sue by providing a forged court warrant.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2019, I received an email from Experian that my IDnotify service had expired. I have no problem with this since I was expecting it. The problem arises when, in the same email, they notified me that my Experian credit file had also been unlocked. Before the days of free credit report freezes, I paid Experian to freeze both my and my wife 's credit reports. Having paid to have it locked, I expect it to stay locked until I request the freeze to be lifted and they should not be able to unilaterally unlock it unless I request it. 
I tried to log on online and for some reason they would not let me log in to my account. I tried to call the number they gave me ( XXXX ) and was told that because of large call volumes, I should call back later. In dealing with the privacy of my finances, this is unacceptable. 
I have no idea if my credit report is frozen or not.
Consumer complaint received 2019-07-12
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: Experian Information Solutions Inc. (FL)

I disputed this XXXX  account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, Experian shows a XXXX, this account has been on my report for seven years
Consumer complaint received 2019-12-08
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: CORELOGIC INC (OH)

I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX DOB XXXX SS XXXX.My current and only address isXXXX XXXX XXXX XXXX XXXX OH XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
Consumer complaint received 2019-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have dispute several times that this card was opened fraudulently and im foing and will do whatever necessary to provide proof i didnt open this account. They have made no attempt asbi have not spoke to one person over the phone in this regards i filed a formal identification theft report with the property department and followed the steps im trwuired to do. This is causing a great deal of frustration and a real inconvenience for me. I just paid off a XXXX XXXX XXXX  house and have no mortage payments i dont need this capital on credit card with a XXXX balance to be the oe and only negative mark on my report its absolutely rediciculous!!!!!!!!!!!!! @ @ i want this removed immediately!!!!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

After several disputes with XXXX XXXX and bureaus, finally it was clear there was a late paytment that became a charge off. I paid this late paytment as soon I found out and tried to clarify if there was mine. XXXX provided the requested information, and there was a late paytment that I found out too late, but it was paid in full. 

For some reason, XXXX  and Equifax are showing a 'remark ' or 'comment ' where you can read settle less that full balance or paid for less than full balance. 

In previous disputes with XXXX  and Equifax it is clear it was paid in full, and XXXX XXXX confirmed time ago by phone, they sent this comment by error, and they sent againg the information assuring it was paid in full after charge off.
Consumer complaint received 2019-10-16
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: U.S. BANCORP (GA)

I reviewed my XXXX credit report and I totally shocked that XXXX   reinserted fraudulent accounts on my credit report from 2-4 years ago. XXXX has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX XXXX and Consumer Financial Protection Bureau. I am requesting for XXXX to delete and block these fraudulent accounts immediately : 1. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. US BANK | XXXXXXXX Balance : {$1600.00} 4. US BANK | XXXXXXXX Balance : {$650.00} XXXX did not notify me within five business days before placing these old fraudulent accounts back on my credit report. XXXX  has violated my rights and I will be consulting with a consumer attorney sue XXXX  for its negligence.
Consumer complaint received 2019-07-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (WA)

Im at writing a complaint in regards to a loan ( for {$900.00} XXXX I took out with mountain summit financial. Spoke with XXXX ( XXXX ) and she said it will cost {$13.00} daily interest to my payments. I refuse to believe they can charge this much. Ive paid so much interest and they are stating I still owe {$1000.00}. 

I have asked for loan documents and they will not provide me with a copy. 

Im very upset that they operate this way. 
I dont trust this company ( if they are a real company XXXX My previous loan with them for {$900.00} Ive paid over 100 % in interest and Would like a refund. 

They wont send document/evidence of the loan to me at all and this concerns me.
Consumer complaint received 2019-12-08
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: Convergent Resources, Inc. (IL)

i do not know how this individual obtained my personal information Accounts : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Convergent outsourcing Account number XXXX XXXX XXXX XXXX XXXX   Account number XXXX XXXX XXXX, XXXX  ACCOUNT NUMBER XXXX XXXX  XXXX  Account number XXXX Inquiries : XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-07-12
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. (FL)

I disputed this XXXX account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, XXXX  shows a XXXX, this account has been on my report for seven years
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (CA)

Good evening, I have reached out to Avant regarding the outstanding balance and proof of payments. They continue to ignore, even after reaching out to you for assistance. Avant will not closed the card and I have paid the balance. I am incurring interest for a card that I have paid off and it is ruining my credit. Can you please assist me again?
Consumer complaint received 2022-04-21
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: Self Financial Inc. (TN)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-24
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. (IN)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2019-12-08
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. (OH)

I have sent numerous letters to this specific credit bureau, and have not gotten the results I've asked for. I have a significant amount of delinquent accounts on my credit file that does not belong to me due to identity theft in 2012, I have asked them to investigate and remove these items from my credit file but they are not holding back. I have also asked for PROOF OF DOCUMENTATION THAT BEARS MY PHYSICAL SIGNATURE once the investigation is complete and they have not sent me that proof either. 

I'm in desperate need of help from the CFPB, due to the fact that this has been hendering my life and I cant get approved for a home loan that I've applied for do to these negative items on my credit file, and the credit bureau won't do anything about it. 

The accounts below that are listed, I'm asking that you do a final reinvestigation and if you say the accounts belong to me, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX  XXXX - XXXX - XXX XXXX  - XXXX XXXX XXXX - XXXXXXX PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

THIS IS MY LAST RESORT, IF I DON'T HAVE THESE ITEMS DELETED, YOU CAN CONTACT MY LAWYER TO WORK OUT A SOLUTION TO AVIOD LITIGATION. MY LAWYER CONTACT INFORMATION IS LISTED BELOW. 

XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX