davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I sent a letter to all 3 of the major credit Bureaus via certified mail on XX/XX/2021. I have the receipts still. It is my right to report any inaccurate information on my credit report and in the letter stated I want all my personal information updated so that I can prevent identity theft and prevent any mail being sent to old addresses. They are refusing to delete addresses and update my correct name because they are stating I have 3 accounts open with those addresses when that is not true. 

Experian received my letter on XX/XX/2021 at XXXX XXXX received my letter on XX/XX/2021 at XXXX XXXX  received my letter on XX/XX/2021 at XXXX XXXX
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On Monday morning at XXXX. I woke up and had a text from Chase Bank saying that somebody was trying to withdraw money from my account and was this me. I replied back to the text and said that it wasnt me they replied back to me and said that I had already responded to call Chase when their lines open up. I went to my Chase mobile app and I looked and I saw that {$1900.00} had been removed from my savings account. When chases phone lines opened up I had called them, they said they were canceling my card Sending me out another one and they would Send the information to the fraud team for the fraud on my account. A couple hours later I was at work I opened up my Chase mobile app again and saw that a transaction for {$690.00} was denied and {$3000.00} was moved from my savings into my checking account. So I called Chase back they asked if it was me who tried to make a {$690.00} purchase I responded no you canceled my card I have no access to my money how would I be making a purchase? The woman on the phone said the card that they had sent out three hours prior was already being used by the people who hacked into my account. I never understood how they could have access to the card and it wasnt even shipped out. The woman on the phone also stated that they now had online access to my account and I needed to change my pin and my password my pin was no longer working for my card my account was no longer safe. She sent me out another card and had me lock the one that was being sent. The {$1900.00} that was withdrawn from my account was in XXXX XXXX  on XXXX XXXX at an ATM in person using XXXX XXXX. I have never once used XXXX XXXX, I dont even have XXXX XXXX on my phone. I live in XXXX XXXX XXXX the last willing transaction I used on my account was at XXXX XXXX  in XXXX XXXX XXXX The withdrawals happened at XXXX in XXXX XXXX  four hours away. Geographically speaking it isnt even possible. I have witnesses who can attest the fact that I was home in XXXX XXXX XXXX during the times of the withdrawals. I have my clock in information for Monday morning when I clocked into work the next day. I have never given anyone access to my card, card information, pin, bank information, account numbers or anything associated to my account. Chase has now denied my claim twice. I have removed all of my funds from Chase Bank I no longer feel safe keeping my money with Chase not only did the people have access to my card the first time and take my money, they got a brand new card that I havent even had the physical form off were trying to make purchases through that, and now had online access to my accounts. I had no access to my pin my money my card or my online account. If you need any more information please reach out and let me know.
Consumer complaint received 2021-08-31
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (PA)

This is a notice of consumer findings regarding unfair and inaccurate practices. via XXXX XXXX privacy policy and section 1692e ( 16 ) of the FDCPA. XXXX XXXX XXXX  privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card. I wish to have this account removed from my consumer report.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (VA)

In XXXX  I applied for a online loan with Net Credit in the amount of {$5000.00}. Net Credit was sued by the Commonwealth of Virginia state Attorney General for illegal loans and not having a license in Virginia my state of residence. Net Credit reports to the 3 credit bureaus that I owe {$7000.00}. Net Credit was ordered by the Virginia State Supreme Court to stop all collections on illegal loans in the Commonwealth of Virginia. I would like to have the Net Credit report removed from all 3 credit bureaus.
Consumer complaint received 2019-09-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

XXXX and XXXX Credit bureaus were not able to verify this information but refused to remove it from my credit report. This account has been removed from XXXX. I am asking for this account to be removed from XXXX and XXXX. I thought they only had 30 days to verify if the information is valid and correct. Here is a screenshot of account. Thanks for your help in this matter..
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (FL)

My previous complaint # was XXXX My name is XXXX XXXX and I have given this company an Affidavit Of Identity theft and have informed them they are in violation of my rights by listing a fraudulent account with the credit reporting agencies.

They are not also violating 15 U.S. Code 1692g, as only the consumer can validate a debt. I have informed this company numerous times this account is fraudulent and they continue to violate my rights. I am asking CFPB to violate this company and issue a fine in the amount of {$3000.00} for several violations they continue to commit and I also demand deletion of the fraudulent account.

Once again, this company has not provided me with a solution to any of my complaints. I do not want a fraudulent bill history sent to me, I want this account deleted now.
Consumer complaint received 2021-08-31
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry : XX/XX/2020 XXXX XXXX XXXX-Date of inquiry:XXXX
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
CAPITAL ONEXXXX {$320.00} CAPITAL ONE-XXXX-Balance {$430.00} CAPITAL ONE BANK USA N-XXXXBalance {$320.00} CAPITAL ONE BANK USA N-XXXX-Balance {$140.00} CAPITAL ONE BANK USA-XXXXBalance {$320.00}
Consumer complaint received 2020-06-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Since XX/XX/2019, I have been trying to freeze my credit report and obtain a copy of my credit report. I have called every week for several weeks and have attempted to order my credit report by phone, as well as two attempts to obtain my credit report and ask for a credit freeze online. None of my attempts have been successful, no one has contacted me regarding my requests, no credit reports have been sent to me, and no credit freeze has been initiated or verified that one is being processed. I would like a full credit freeze on Equifax, XXXX, and XXXX, as well as a comprehensive credit report from all three credit reporting agencies and I would like your help in obtaining these requests.
Consumer complaint received 2023-11-02
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: JPMORGAN CHASE & CO. (WY)

XX/XX/XXXX JPMCB Card Services made an unauthorized inquiry and received an unauthorized copy of my Credit Report from XXXX. I am requesting the removal of the inquiry from my credit report. 

XX/XX/XXXX, a credit card was taken out fraudulently in my name at XXXX XXXX XXXX. The account was closed and charged off {$640.00}. XXXX has acknowledged this as fraud and identity theft however has taken no steps to remove from my credit report. XXXX XXXX Bank is negatively affecting my XXXX score and therefore I have had to pay higher interest rates on a car loan. Shame on you XXXX! Please rescind from XXXX, XXXX XXXX and XXXX. This has gone on far too long!
Consumer complaint received 2021-08-31
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. (OR)

I called XXXX to ask if they could help with my payments as I lost a job in XXXX of 2021. 
I asked for interest only payments or some plan to ensure I stay current. 
I made it clear I could make my payments but would like help to preserve cash flows until I got a new job or received unemployment. 
They said they could pause my payment. 
They made no mention they would report my payment as late to credit agencies. 
I never agreed to that plan if they would have said we will pause the payment but affect your credit. 
I made it clear I could make my payments and did not a want my credit affected knowing I could make the payments and would have income soon. 

They then paused my payment and 2 months later reported me as late on the payment even though it was auto drafted and paid. 

On XX/XX/XXXX, I called to speak with them about the issue and they said they would open a claim with the QA department and contact me within 72 hours. I also stated that they need to hear the recording so that they know I did not agree to the plan if it affected my credit or that they did not mention it would affect my credit as I would not have agreed to that. 
I did not receive a call back within 72 hours or at all. 
The information is still on my credit. 
I called back on XX/XX/XXXX and they said the claim was submitted but no other information was given except that I missed a payment. They had no other info and would not offer any info on the recorded call or what was agreed to or not agreed to. 
They said a QA department reviewed it in secrecy and would not disclose the details of the call. They stuck to their claim my payment was late. 
Not only are these actions illegal but immoral and wrong. 

Ive made my payments. 
They need to remove the late payment remark on my credit fully, not add a not but remove it and reinstate paid on time and fix my credit. 

My credit score dropped 75 points!
Consumer complaint received 2021-08-31
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. (CA)

The company has been posting " late payments '' to the credit bureaus since 2019. I have challenged the reporting and have presented documents which show payments have been made every month on time since the beginning of the company 's servicing of the loan. The company 's documents and mortgage statements do not reflect a " late payment '' charge for any of the months where " late payments '' were reported to the credit bureaus. I have repeatedly asked for the " late payments '' over the last two years to be removed. The company has refused to do it and the credit bureaus have maintained the " false reports '' in their records.
Consumer complaint received 2021-08-31
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fidelity First Real Estate and Mortgage Inc (CA)

Fidelity 1st Funding withheld funds ( {$4000.00} ) in order for me to get a {$150000.00} loan for remodeling my home. I was told {$4000.00} would be held until I completed recommended repairs based on the appraiser 's report. The repairs were complete late XXXX/XXXX XXXX. I reached out to XXXX who stated it would be no issue to release the funds. I submitted pictures and receipts as requested and once again given the runaway. I was told I needed another appraisal which was not communicated to me at the time when I was told they would hold the funds. Then another individual XXXX started he did not care if I ever received the funds and would send them to the State of California for Governor XXXX to have. The entire loan process has been misleading. Every time XXXX assured there would be no problems, there were problems and miscommunications. The repairs the appraiser suggested were done. Not only were the repairs completed, but also approved by the City Inspector where I reside. There should be no need for me to pay for another appraisal when it's a matter of verifying the recommended were completed.
Consumer complaint received 2021-08-31
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Currently there is a closed account reporting on my credit file with Credit Acceptance Corporation partial account number XXXX, I have requested documentation from this company and they have failed to reply. They have negative remarks on the account and i do not recall even having the accounts or being late.
Consumer complaint received 2021-08-31
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: Navient Solutions, LLC. (CA)

Title : Affidavit of truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX XXXX and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Navient is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Navient is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Navient is in violation of 15 USC 1692h
Consumer complaint received 2021-08-31
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. (TX)

XXXX XXXX XXXX XXXX, Texas, XXXX XXXX Consumer Financial Protection Bureau XXXX, IA XXXX RE : XXXX Account Number XXXX XXXX XXXX XXXX. 

On XXXX, I entered into an agreement with an online XXXX XXXX XXXX, through XXXX  online Message an agent messaging service. At that time, my XXXX XXXX Account reported some delinquencies on my Experian Credit Report. The online XXXX XXXX  Agent asked if I would make a one-time payment of {$500.00} followed by recurring monthly payments of {$170.00}, then XXXX XXXX would remove the reported delinquent months on my Experian Credit Report. I agreed to those terms and made the one-time {$500.00} payment plus the recurring monthly {$170.00} payments. 

Nothing yet was done. So on XXXX, I again spoke with an online XXXX XXXX Agent. This Agent was able to read the agreement I made with XXXX XXXX on XXXX. At this time, I requested a letter be sent to me indicating that my XXXX XXXX Account is current with no delinquencies. This XXXX XXXX Agent informed me that it can take like 5 business days to create [ the letter ] and can take up to 7 days to receive it. 

I finally received a letter from XXXX dated XXXX. The letter states that we ( XXXX ) have updated your Credit Bureau Report. 

However and still today, XXXX still has not updated my Experian Credit Report to report no delinquencies. This is six months after I have agreed to XXXX terms ( one-time {$500.00} payment plus the recurring monthly {$170.00} payments ). 

I have sent letters to Experian with the attached XXXX XXXX letter indicating that XXXX would make the changes. Yet, I have received no response from Experian and my credit report remains the same. 

Please call me at XXXX XXXX XXXX XXXX XXXX, if further information is needed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-09-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: DFC Global Corp. (FL)

Dollar Financial dba The Check Cashing Store ( a name they use in Florida ) is a company I used for a Payday Loan in XXXX XXXX Florida. They were offering a brand new product that was a {$1000.00} loan in the early part of XXXX of this year ( 2019 ). The loan was represented to me with a ninety day payback due on the first of XXXX ( 3 months ). The 'Federal Truth In Lending Disclosures ' page in the contract under the PAYMENT SCHEDULE says 'My payment schedule will be one payment of {$1300.00} due on Thursday, XX/XX/2019 '. Regrettably the above mentioned company took {$450.00} in an ACH ( not a check ) on XX/XX/XXXX ( one month after I took the loan out ) out of my checking account thus causing financial pain and distress as my account went negative and my bank charged {$84.00} in fees as well. A complaint was also filed with the Florida Department of Financial Regulation in XXXX Florida. Please let me be clear that NO check was given to them for this date ( XX/XX/XXXX ) or any other date by myself.