davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Upon opening my Chase business account in XXXX, I was set to receive a business debit card and a XXXX XXXX  credit card, I asked for the cards to be sent to my XXXX XXXX, XXXX XXXXXXXX XXXX address where I spend the majority of my time, the XXXX credit card arrived at my XXXX XXXX address as requested, the Chase banker made an error and had the debit card was sent to my XXXX apartment where I also have a residence. 

Though it never arrived in XXXX. I asked again for it to be sent, but it still never arrived, though this time on XX/XX/XXXX it was taken to a Chase in the XXXX where {$1.00} was deposited to activate the card. From there the card was taken to a XXXX in the XXXX and made a purchase for {$190000.00}. 

Then on XX/XX/XXXX it was used to make a deposit of {$40.00} in a Chase Branch where they incorrectly wrote my business name on the slip, yet were still granted access to the account. From there they withdrew {$43.00} and accrued multiple penalty fees from using a non-chase ATM. 

My personal Chase statements on my personal debit card contradict me being anywhere near the XXXX at these dates of incidence. I was over 3 hours away during those time frames, I have bank statements, photos with geo tagging, and pay stubs to prove my location during these occurrences. Chase is insisting that these charges were authorized.
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

I filed a dispute on XX/XX/XXXX to dispute fraudulent charge of {$5500.00} to m yXXXX card on XX/XX/XXXX after returning home from vacaction. Tried to cancel with vendor while on vacation and got the run around so did some investigating and found hundreds of the same complaints.I have called, written and sent supporting documents to the card company numerous times with the end result being they need a detailed letter describing the events surrounding my claim and the credit amount I am requesting! I have attached 3 letters and all the documents I have sent them 3x 's and have probably called around 20x 's! What more could they possibly need with all the documentation and complaints I have attached. I do not have proof of cancellation, since I could never speak or get in touch with anyone from the provider as everyone else in this same situation. This vacation company is a scam and are ripping off tons of people and XXXX chooses to ignore it! I know they have received other complaints against this company since their name is mentioned in many complaints!
Consumer complaint received 2023-04-18
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: Debt Recovery Solutions, LLC (CA)

I have submitted a account paid in full letter and emails to and from XXXX XXXX XXXX  where there was an issue with the company that still wanted additional fees- this issue was resolved in XXXX and now for some odd reason its showing as a negative on my credit report. And nothing has been resolved. Please help thank you i have worked very hard on my credit.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MO)

I opened a spend account with Credit Karma and transferred funds. One transfer was duplicated and left my original checking account overdrawn. I initiated {$2000.00} transfer the XXXX and they state I initiated one on the XXXX but can not provide any proof such as time ect. I was told by their rep to get with my bank to have it reversed. I did so and Credit Karma locked my account. The money has now been figured out, my original checking is right and my Credit Karma account shows exactly what I initiated to be deposited. However they have left my account locked despite numerous attempts to inquire why. What concerns me most is that when you call in all you can speak to is a ticket agent who sends the actual banker a message, no direct contact is allowed. I feel that while I have used their products in the past with no issues that somehow a scammer got into this matter or has a fraudulent link on their account. Any repose from them is that they cant tell me anything at this time which in the bank world is very concerning when your asking for basic details of transactions.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I requested documentation from Fair Collections and Outsourcing regarding a debt that they are alleging that I owe and have placed on my credit. After careful examination of the documentation that they provided and the information that they are actually reporting to all 3 credit bureaus. I have found that they are reporting false and inaccurate information. The open date on the account is incorrect. They have listed the open date for the account as XXXX XXXX, 2012 yet they just added this to my credit report a few months ago. It is my understanding that no entity has the right to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and or any non compliant allegations. I have documentation of all 3 reports with this inaccurate date being reported.
Consumer complaint received 2022-06-14
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)

I requested that Experian provide me with all methods used to verify the validate this account other the company said so do the have copies I'd cards etc if XXXXhey can I need this deleted immediately off my credit report
Consumer complaint received 2021-11-22
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (CA)

On my previous complaint, this company Payfare ( XXXX XXXX ) deactivated my account for reporting to cfpb that my account got hacked and money was taken out of my account without my knowledge. They said I was the one who made the transactions even though I don't even have the new card in my possession. They said the card was added through some device. I was not the one who added the card and I did not use any of that money. I need my money back ASAP. I will be submitting a court claim if I don't get my money back!
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

For the past three months I've received a phone call from iq data International nearly every other day. Whenever I answer they ask for me by name but when I ask who's calling they refuse to say who they are with, the agent gives his name XXXX but then when I ask the company he's calling for he says does it matter? Absolutely refuses to tell me who he's with and gets very rude when i ask questions. I only know it's iq data international by calling the number back.
Consumer complaint received 2021-11-22
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. (NC)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still 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 is the Account that is still reporting on my Credit Reports and need to UPDATE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} Date OpenedXXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I am writing to dispute certain inaccuracies present in my credit report. Specifically concerning incorrect personal information. Upon reviewing my credit report I have identified discrepancies that violate my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. They have refused to remove all inaccurate personal information like misspellings of my name and wrong address.
Consumer complaint received 2023-07-21
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. (VT)

There is no purpose for these credit reporting companies to continue carrying information from old accounts on a credit report. It is done as punishment to keep credit scores low, although an account is paid in full and closed. They want people to buy their " products '' that will raise scores. It should be illegal for credit reporting companies to keep anything on a person 's report after an account is paid and closed. Maintaining something on a report for XXXX years is ridiculous. If you want to believe XXXX sayings about debt after XXXX years, go ahead but do not force the rest of us to live by it. Also, the credit scores fluctuate a tremendous amount for the smallest amount of activity on credit cards. Credit reporting agencies are a major reason for why people stay poor and are forced to pay higher interest rates. It is all so a corrupt and our government allows this to happen.
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I do not owe ic system any money. I understand they are debt buyers. I do not have a contract signed by them. I request them to ceast and defrain and communication done by postal service only. I want this collection delete from my credit report ASAP
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian has been reporting an inaccurate identity theft account ( XXXX ) which was furnished by identity theft and is therefore inaccurate information. Experian has received my request to block information furnished by identity theft and dispute on XXXX XXXX, as signed by XXXX XXXX on the attached return receipt. Consumer reporting agencies must investigate disputes within 30 days of receiving it. Since this company has been notified that I am a victim of identity theft and received the police report, FTC report, my ID, and social security card and failed to correct the information within 30 days, Experian is in violation of section 605B of the Fair Credit Reporting Act. 

Full details of the identity theft account are : XXXX ). Account Name : XXXX ; Balance : {$1800.00} ; Account number : XXXX ; Date opened : XX/XX/2019 ; Violations : Experian is in violation of section 605B of the Fair Credit Reporting Act for not blocking the account within 30 days. 

Experian 's refusal to remove the inaccurate information is a violation of 15 U.S.C. 1681c-1, which requires that a consumer reporting agency correct and maintain accurate information in a consumer 's credit file.

Experian is in violation of 15 U.S.C. 1681i, which requires that a consumer reporting agency conduct a reasonable investigation into the dispute of a consumer 's credit file. Since they did not conduct an investigation that complys with 605B, they are in violation of this section.

Since they refused to block this information, I have been denied access to credit as a result of them violating section 605B of the FCRA.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

To whom it may concern Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorized or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device " Should be excluded from a consumer report. The definition of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( i ) which the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit " Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They all should be removed from my consumer report pursuant to 15 ISC 1681a ( 2 ) ( b ). I am demanding that you remove these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (RI)

In XX/XX/XXXX, I purchased a new XXXX XXXX at XXXX XXXX in XXXX. At the time, I purchased the following add-ons : Premium Maintenance ( {$1400.00} ), Tire and Wheel ( {$690.00} ), and Protection Plus ( {$190.00} ) under Deal # XXXX. I was not entirely satisfied with the vehicle and subsequently traded it in this year ( XXXX ). During the trade in, the loan was paid off and the vehicle was surrendered to the XXXX dealership. I have provided ( twice ) the supporting documentation that was requested to get a pro rata refund for the add on products ( first contact on XX/XX/XXXX ) and have not heard so much as " we're working on it '' despite following up.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (CA)

The Loancare services company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to agencies monthly.
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (IL)

calls started a few days ago from Central Portfolio Control out of Minnesota, they have relentlessly been calling my home, cell, husbands work, my work without any explanation of any kind. 

we have been called by a XXXX XXXX to my husbands work number and a XXXX XXXX to my work number. I immediately called and left a message with XXXX XXXX 's answering device ( he did not pick up ) to inform him to cease and desist all calls and any further contact must be made in writing. 

these are the numbers they are calling from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (FL)

My name is XXXX XXXX, I first want to thank you for taking the time to read this letter. I recently pulled my Experian credit report and discovered I have a late payment I had a medical emergency that I was in the hospital due to XXXXXXXX XXXX  which impeded my ability to make an on-time payment that during this period I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my recent medical emergency, I had an on-time payment history with you since my account originated. Based on my otherwise spotless payment history, I would like to request that you if possible can u apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. I attach proof showing I was in the hospital for XXXXXXXX XXXX in which I stopped working
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have experienced some concerning the credit reporting activity within XXXX, offered by Capital One. 

I have reported my other issues with the CFPB. Now I see that : My address is reported inaccurately on my XXXX credit report. 
Please advise. 

I am growing more concerned now that I'm discovering inaccurate information delivered through XXXX XXXX via Capital One.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

My legal name is inaccurate across my XXXX, Equifax, and XXXX credit reports. There are variations of similar names without my generation identifier. This has lead to inaccuracies across creditor reports validating inaccurate information as XXXXThere multiple inaccurate addresses I have never been associated with but my father has lived at.
Consumer complaint received 2023-07-20
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: World Acceptance Corporation (TX)

Inquiries I did not authorize XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX XXXX on XXXX and also on XXXX Collection acct to XXXX XXXXXXXX XXXX on XXXX Is not mine XXXX XXXX on XXXX. Not mine. 
I have contacted these creditors and was informed to contact credit bureau which I have done and disputed these. XXXX informed me to make a report w CFPB.
Consumer complaint received 2023-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

I have a student loan serviced by Nelnet. My original loan ( s ) we're for {$37000.00}. I have been making payments for 17 years, and make XXXX payments a month, when I'm able. 

According to Nelnet, YTD, I have paid {$100000.00} toward my {$37000.00} loan and {$16000.00} of that is interest. I have paid almost half my loan in interest. Nelnet also says I still have {$15000.00} left to pay. I was in a graduated repayment for a long time out of necessity, which I know played a large part in this. But at this point, I feel like I'm just being taken advantage of. 

I just got off the phone with Nelnet and the customer service agent explained to me in a very convoluted way that that is not the total amount I have paid, myself. It includes the consolidation when my loan was sold to Nelnet, plus interest. The problem with this is that I shouldn't still owe {$15000.00} if that is the case. It is also my experience that everytime I have to call Nelnet I receive a different answer, depending on who I talk to. I'm certain I could call back again and speak to someone else who would tell me something completely different. 

Nelnet has been sued multiple times for fraud. It's no secret they do everything they can to extract as much money from people as possible. I don't trust what's happening to me right now, and I feel at a loss. I don't know what kind of solution there is to this other than Nelnet finding that I have, in fact, fullfilled my repayment agreement.