davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2024, I was informed by XXXX credit card companies that someone was attempting to open new credit cards under my name. The XXXX credit reporting agency annotated their records to show that attempted fraud was committed and shared this information with the other 2 credit reporting agencies. I told XXXX to freeze all future requests for credit, and they shared this request with the other two credit reporting agencies. XXXX, along with the other 2 credit reporting agencies, stated that they can temporarily block future credit requests but that I needed an identity fraud report to retain the credit freeze and restore my XXXX score. I tried to report this problem to the FTC, and their website referred me here.
Consumer complaint received 2022-09-15
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)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW INQUIRIES SHOWING ON MY CREDIT FILE. THESE ARE NOT MY INQUIRIES, SO PLEASE DELETE THOSE INQUIRIES UNDER, INQUIRIES TO DELETE. 

I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNTS UNDER ACCOUNTS TO AMEND, TO BE AMENDED IMMEDIATELY TO SHOW NEVER LATE. 

ON XXXX, XXXX, XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW INQUIRIES TO BE DELETED AND SOME ACCOUNTS TO BE AMENDED. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS, AND NOW YOUR COMPANY IS IN VIOLATION OF THE FCRA GUIDELINES FOR THE 3RD TIME REGARDING INVESTIGATIVE RESULTS REPORTS RESPONSE DEADLINES
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Express Recovery Services, Inc. (UT)

Someone pretending to be Express Recovery asked to speak with me and I responded with yes, then they confirmed my identity and I hung up when they tried to transfer me. Upon looking up the number I realized it was an impersonator and now Im worried they will attempt to authorize fraudulent charges using my voice.
Consumer complaint received 2020-03-23
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. (CA)

XXXX XXXX, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in XXXX XXXX 's response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. 

Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX  XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 ( a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. 

The XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, XXXX XXXX 's reluctance to correct a XXXX problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. 

Please see XXXX XXXX reporting of 60 days late in XX/XX/XXXX to Experian and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? XXXX XXXX is manipulating a XXXX  problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. 

The plaintiff/homeowner has submitted payments through the XXXX XXXX automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by XXXX XXXX. 

The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

I have the card on autopay to pay previous statement balance. In XXXX I had an opportunity to pay the balance from another source and sent them a check for {$560.00} on XX/XX/2020. Nevertheless, they also charged me again $ XXXX and now I have a credit balance. In addition, because of their double billing, I was charged a {$10.00} fee from my bank. I demanded repeatedly they return excessive balance plus {$10.00} to my bank through ACH, exactly the way they double billed me. They are playing XXXX, responding by meaningless messages to my demands and being openly rude and obnoxious when I call them, including the supervisors.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (CA)

I have identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). XXXX, Experian and XXXX refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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. (CA)

I have identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). XXXX, XXXX and Equifax refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately. 

XXXX XXXX XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. I have never been late on the dates listed below please verify these late payments to current! By the provision of the fair credit reporting act I demand these items be investigated and removed from my consumer report it is my understanding that you will reverify these accounts with the creditor that posted them. The account below still shows inaccurate late payments I have circle the many inaccuracies between the consumer reporting agencies! 

ACCOUNTS : Creditor : AXXXX XXXX XXXX  Account Number # XXXX. In Accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated my XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. XXXXXXXX XXXX XXXX XXXXXXXX Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXXXXXX XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to XXXX XXXX XXXX ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX ( b ) Accuracy of report : -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I NEED THE TRACKING NUMBER & COPY OF THE NOTICE REQUIRED UNDER SECTION XXXX THAT WAS SENT TO ME IF YOU CAN NOT FURNISH THIS INFORMATION THIS LATE PAYMENT IS INACCURATE AND VIOLATES MY RIGHTS UNDER THE FCRA. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX, 2020, I attempted to place an online order on XXXX. XXXX 's website with my Capital One visa card. They are based in the XXXX XXXX. Capital One, the credit card company, did not authorize the purchase. I called them to speak to a fraud specialist, XXXX, employee ID number XXXX and she verified my identity through their app by sending me a push. She then told me to go ahead to make the purchase. The authorization was rejected again. She then said that she would need further identification to lift the restriction on my card. I said that I could provide a passport card, which is issued by the US Federal government, or a passport. She said that this was not a valid form of ID for their company. At that point, since this is not the first time I've had trouble making international online purchases using my Capital One visa card, I said I wanted to redeem the points I had accumulated in around 20 years of being a client and close the account. She said I could only unlock the account for those purposes by providing a driver 's license or a state ID. I do not drive and I have no use for a state ID since a passport card or passport will suffice. The next day, I called again and spoke to another supervisor in their fraud department, XXXX, employee ID number XXXX   XXXX. She said that unless I provided a driver 's license or a state ID, my account will be locked. She said I had no recourse since she was the highest in the chain of command that I could speak to on the phone. I demanded to speak to someone in their corporate office but she said she could not transfer me. I subsequently wrote an email to XXXX XXXX, President of Financial Services, in their corporate office. I have not heard back from him. 

As an indication of how ludicrous their practices are, I subsequently made two purchases from the same vendor using my XXXX card and my XXXX XXXX debit card. I did not need to confirm my identification using a state ID or a driver 's license. 

Capital One is practicing discrimination against customers who do not drive and do not have a state ID. I wont get a state ID and incur additional expenses just to continue using this credit card. I have called numerous times to their fraud department to no avail. At this point, I just wish to redeem the points I have accumulated over 20 years and close the account. However, I am not able to redeem the points because my account is locked. The reason for locking my account is unclear to me as is the fact that Capital One does not accept a US federal government issued passport or passport card as a valid form of ID even though the U.S. federal government is a higher authority than any state government. There are all kinds of legal ramifications that follow from the discriminatory conduct of Capital One 's credit division and fraud department.
Consumer complaint received 2020-03-23
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$270.00} XXXX XXXX {$640.00} XXXX XXXX  XXXX {$110.00}
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC (FL)

I spoke with Asset Care LLC in reference to an unknown account being placed on my credit as a new account in the amount of {$650.00} on XX/XX/XXXX. After receiving information on this account I was informed that it was a medical account from XXXX that was previously listed by another collections agency. I asked the company to update the date that they have submitted to the credit bureaus to show the correct deficiency date and was told that they would not do this as they are using the date in which they purchased the debt from another collections agency. This tactic will allow for the account to remain on my credit for six additional years which is in violation of the 7 year rule.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (MN)

Company : XXXX Suntrust Issue : Student Loan Servicer continues to erroneously report past due payments on 8 federally backed student loans when the accounts were or should have been in In-School Deferment status during all months that are reported " late '' Suntrust was a servicer of 8 of many federal student loans which I consolidated in XXXX XXXX. XXXX  Suntrust is reporting late payments on all loans from XX/XX/XXXX-XX/XX/XXXX as late. The status reported specifically is 30 days, 60 days, 90 days, 120 days ( progressively late by 30 days each month ). Prior to consolidation in 2017, I had multiple loan servicers -- and not one of them reported the loans as late because they were notified by the Department of Education Clearinghouse that I was a full-time student. 

I contactedXX/XX/XXXX Suntrust by phone on or about XX/XX/XXXX. The agent that I spoke with said that the accounts should not be reported as late. I followed the call up with a letter because I had previously filed an online dispute with the credit bureaus to which XXXX Suntrust responded certifying that their reporting was correct. 

It appears that the XXXX Suntrust accounts were deleted from two bureaus because the accounts " aged out. '' However, the accounts are still reporting on XX/XX/XXXXas I got a second notice of XXXX " certification '' that the late payment reports were correct. 

I am submitting this report because I intend to file an action against this company for continuing to report erroneous information after the company was on notice that the status of the loans was In School deferred and thus should either not be reported or reported as on time and current. The Shelter-in-Place directive has brought non-essential federal court proceedings to a halt. I realize the CFPB is not a judicial body. This is to document the timeline of my complaint for statute of limitations purposes.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WA)

cfpb Consumer Financial Protection Bureau XX/XX/XXXX re :  WELLSFARGODEALERSVCS # XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX Date Updated : XX/XX/XXXX Payment Received : $ XXXXLast Payment Made : XX/XX/XXXX >Account 60 Days Past Due Date< Dispute : The Wellsfargo dealer indicates that i was delinquent 60 days. On XX/XX/XXXX the vehicle was used for a trade and was paid off bu the XXXX XXXX XXXX  ( noted below ) Either the credit union did not give payment to wellsfargo or Wellsfargo did not report payoff in timely fashion. Please review this and remove from my report. 

Thank you, Respectfully, XXXX XXXX XXXX XXXX  XXXX   XXXX # XXXX****XX/XX/XXXX
Consumer complaint received 2020-03-23
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw 3 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to open more accounts under my name because my credit was ran a couple of time. These 3 accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-03-23
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. (SC)

XXXX  and Transunion are reporting incorrectly the status as current on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report the status as CLOSED. I have attached a copy of the letter from XXXX XXXX dated XXXX showing your account reflects a balance amount of XXXX and closed status. Please update the account status. This inaccurate reporting is harming my credit score. I have contacted the bureaus to update this however, I have not been successful.
Consumer complaint received 2020-03-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (TN)

On XX/XX/2019 I called and asked if there was a way to lower my payments due to hours being cut at my job and then the owner of job site is considering closing for some weeks because of the current corona virus situation. I was told I couldnt lower my payments because I didnt qualify because my account is a credit line. I was then offered to to do an extension which means on the next due date of the loan payment I would be paying double ( My loan due dates are the XXXX and XXXX of every month ). I thought this was outrageous. The representative was very understanding of the situation and she did go to her supervisor to see if I could qualify for further assistance but I got denied. I am a customer who hasnt had any issues with paying but I was calling to try to get help and to let them know my situation but the company wouldnt try to work with me.
Consumer complaint received 2020-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA CFPB RESPONSE XXXX XXXX CONFIRMS FALSE ALLEGATIONS. USAA FABROCATED FRAUD REPORTS I DID XXXX NOT REPORT AS FRAUD. XXXX USAA FRAUDULENTLY REPORTS FRAUD REPORTS CONSUMERS NEVER SUBMITTED. USAA XX/XX/XXXX TRYING TO COLLECT ON ID THEFT case XXXX CONFIRMS FRAUD REPORTED BY ME BEING XX/XX/XXXX {$470.00} ( PLUS XX/XX/XXXX - XX/XX/XXXX {$180.00} THEN {$59.00} THEN XX/XX/XXXX {$230.00} ) ** KINDLY NOTE THESE ARE INCLUDED IN THE {$470.00} I REPORTED FRAUD XX/XX/XXXX. USAA CAN VIEW THEM ON STATEMENT ATTATCHED XX/XX/XXXX. USAA TRIES TO COLLECT?? KINDLY NOTE** see attatched XX/XX/XXXX STATEMENT ** KINDLY NOTE XX/XX/XXXX STATEMENT WRITTEN DOCUMENTATION USAA PROVIDED NO CREDITS * USAA CONFIRMS DOUBLE FRAUD REPORTED BY ME.?? NOT TRUE. FALSE ALLEGATIONS KINDLY NOTE USAA YOUR {$180.00} + YOUR {$59.00} + YOUR {$230.00} FAKE FRAUD REPORTS TOTAL TO THE PENNY THE {$470.00} I DID REPORT AS FRAUD!! AND KINDLY NOTE USAA XXXX HAS NEVER RESOLVED THIS FRAUD** CLAIM I REPORTED FRAUD {$470.00} XX/XX/XXXX XXXX NO USAA CREDITS WERE EVER GIVEN see Statement XX/XX/XXXX. THERE ARE NO USAA CREDITS. USAA COLLECTS ON ID THEFT USAA DOES NOT RESOLVE FRAUD. ** FABROCATES FRAUD REPORTS USAA REPORTS ** FALSE CREDIT INFORMATION DESTROYING CONSUMERS CREDIT SLADERING MY NAME THAT I REPORTED FRAUDULENT FRAUD REPORTS I DID NOT REPORT. see attatched FRAUD LETTER XX/XX/XXXX it took from XX/XX/XXXX to XX/XX/XXXX to complete this fraud investigation ( 10 ) MONTHS?? AND ** THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET!!!. XXXXTHIS CONSUMER HAS BEEN HELD LIABLE FOR AND COLLECTED ON FOR ID THEFT FRAUD OF XX/XX/XXXX USAA ACCUSED ME OF REPORTING FRAUD ON RETURNED ITEM XXXX XXXX OF {$120.00} TO SLADER MY NAME REPORTING ME AS CRIMINAL DENYING MY LEGITIMATE FRAUD CLAIM ** LOOK HOW MANY CFPB COMPLAINTS REPORTED AND STILL TWO YEARS LATER. STILL NO RESOLVE????? USAA OWES ME.