davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: OCEANFIRST FINANCIAL CORP. (NY)

I opened an XXXX bank account on XX/XX/2022. They advertised that I could get {$230.00} with the following steps : 1. Open a new XXXX Checking account using the promo code XXXX. 
2. Opt into eStatements and download the OceanFirst Bank mobile app. 
3. In at least XXXX monthly cycles, receive {$500.00} in direct deposits. 
4. Bonus will be credited to your new account on the first business day after your 90-day account opening anniversary https : XXXX : XXXX I finished all steps, but I didn't receive the bonus.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

I have spoken with many representatives in the escalated department regarding late reports on my credit report. I was told to send a " goodwill letter '' explaining what happened and request a one time deletion. I sent the letter in XXXX. I also spoke with a representative that appeared to suggest or led me to believe paying the account off in full in exchange for the one time deletion. I know this has been done for other U.S bank customers. Why am I any different.
Consumer complaint received 2022-10-29
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. (IN)

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 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX is listed on my Trans Union Credit Report under- SUPPLEMENTAL PUBLIC RECORDS AND RESIDENTIAL INFORMATION : SUPPLEMENTAL CONSUMER CREDIT INFORMATION ; referencing a Mortgage that was actually in my ex-husbands name/promissory note. They requested information XX/XX/XXXX and that house was foreclosed on and sold. My ex-husband filed bankruptcy after the fact. I have a copy of the promissory note he signed for the mortgage and I would like to have it removed from my credit report. XX/XX/XXXX was when I first came across this information and as of today it is still on my credit report.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$820.00}
Consumer complaint received 2023-02-23
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. (AZ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : ) XXXX
Consumer complaint received 2022-10-29
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: MARINER FINANCE, LLC (VA)

Back in XXXX I have attempted to make online payments to mariner finance they had gone into a update fine. I later attempted to make my payment it didn't accept the payment there was a error on the page and said it couldn't process payment at this time I did send them a message notification about the issue with the site and nothing was done they called my work in a effort for what ever intimidating me. They call every day and now they sat I can't make a payment unless it's current which doesn't make sense. As you can see towards the end of XXXX it was trying to get me to skip payment but it wouldn't allow me to make a payment. And the attached screen shot of the communication today is unheard of.
Consumer complaint received 2020-08-09
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. (WA)

On XX/XX/2020 I deposited into the mail via certified return receipt letters to XXXX and Equifax. 
Both companies received the letters, signed for them and a receipt was obtained. 
Equifax sent a letter to me dated XXXX XXXX that updated the account of XXXX XXXX account number ending in XXXX for the amount of {$430.00}. The fraudulent account remained on my credit report even though I sent the following documents to Equifax : Copy of Federal Trade Commission XXXXdentity theft Report Copy of XXXX AZ police report detailing identity theft Copy of Washington state drivers license Copy of utility bill I sent the same letter to XXXX XXXX and they received the letter as well. They failed to respond or to remove the single XXXX XXXX account for {$430.00} from my credit report as well. 

The credit card issuer also failed to thoroughly investigate my identity theft and failed to remove the single credit card account in the amount of {$430.00} and absolve me all charges related to this account and they have kept reporting it. 
XXXX XXXX did properly respond to a second account and did remove that account but for some reason they have been unwilling to remove this final account. 

Other companies also had accounts opened in my name and those accounts were thoroughly investigated and removed from my credit report. 

XXXX XXXX, XXXX, XXXX XXXX all had fraudulent accounts opened in my name and they properly responded and removed those accounts from association with my name when I followed the law and provided them with the proper documentation. 
On XX/XX/XXXX I sent yet another notice to XXXX XXXX via certified mail that they did receive on XX/XX/XXXX that they have failed to properly investigate my identity theft and I demanded copies of all relevant evidence upon which they have relied to assert the account is mine. I have requested they provide me with all IP addresses associated with the opening of my account, screenshots of account, emails associated with my accounts and and signed documents. 
I received a letter from XXXX XXXX dated XX/XX/XXXX wherein they indicate that they have taken steps and then provided me with a code of some sort and kept reporting the card as if its mine. IT IS NOT! 
Capital One can not continue and XXXX and Equifax can not continue to fail to follow the Law and keep this final account in my name. They have ZERO EVIDENCE of a material misrepresentation of facts or that I benefited from this fraud because I HAVE NOT BENEFITED and I am the victim of identity theft, please help me correct this and help me recover damages from XXXX, Equifax and XXXX XXXX as they all three continue to damage my credit and my ability to legitimately use my credit. This has delayed my ability to properly acquire financial independence and avail myself of offers that are reserved for those who seek to better themselves financially.
Consumer complaint received 2023-03-17
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-08-09
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: Navient Solutions, LLC. (FL)

I had student loans and was making payment on time up until a certain point ( payments were automatic, the card I was using expired and I never realized it ). Eventually the loans went into default. I was then put into another federal consolidation program which I have been current with payments up to this current date. I have since started working on my credit and working towards a vehicle. This is really hurting my credit and I just would like to know if the way everything is being shown to me is correct. Attached will be photos of what I can see and what I tried to have XXXX correct. It is showing 120+ plus days late but yet the month before and month after are in green. I understand It is my financial responsibility to make payments on time.
Consumer complaint received 2020-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC. (IN)

This company pulled my credit before ever contacting me, I learned about there attempt to collect via credit monitoring service. I have requested documents to confirm debt both by phone and certified mail. They have continued to call without providing proof of debt. They have also called family members related to debt.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (SD)

Navient reports incorrect information to purposely bring down my credit score. They reported that they have increased a student loan from {$1000.00} to {$9000.00}. I am on an income based repay plan and they should not be increasing my students loans in huge incorrect amounts just because they feel like it. They are trying to make it so that you never pay the loans off by increasing to incorrect amounts to benefit others.. Also, the balance with XXXX XXXX XXXX has not been updated. The credit bureaus are not updating the balances on accounts unless the balance fraudulently increases. They are a participant in the evil doings.
Consumer complaint received 2020-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To Whom it May Concern : This is the second time I have had to report XXXX XXXX XXXX XXXX. I previously contested a fraudulent account made under my name, providing documentation that I was living out of the country at the time a card was opened in my name in the United States. XXXX XXXX XXXX continues to harrass me even after I disputed the account. I then filed a claim with your department and the claim was dismissed. At the same time they began sending me letters and calling me about an account from capital one. I also called them, and on at least three occasions requested the phone calls be recorded, and then asked them to send statements of the capitol one account to verify these were charges I made. They have failed over the last few months to provide proof, where the burden of proof that this account was mine has still not been fulfilled. They then sent me a letter of pre-legal notice saying to respond by XX/XX/XXXX. 
As previously stated I have asked for documentation from XXXX XXXX for several months, providing details of the capital one account. I am challenging their threatening practice as well as their right to sure when the have refused to provide me information before disputing the account. This account is stated to have been charged off in XX/XX/XXXX, during which I was also out of the country. I have already provided copies of my work XXXX from XXXX showing I was residing there from XXXX onwards. 
XXXX XXXX practices are unethical and I am requesting this matter be addressed.
Consumer complaint received 2018-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Paid off several credit cards and only have a balance of {$6.00} on another one.

Also, the card with a balance of {$6.00} increased my limit which I haven't used.

XXXX XXXX is paid-off, XXXX   XXXX XXXX is paid-off.

XXXX XXXX Balance {$6.00}, and one item was deleted after which Transunion dropped my credit score by 43 points, my score was XXXX and should have gone up to XXXX   instead went the other way. XXXX XXXX has been paid off and should be deleted on my report since XX/XX/XXXX, XXXX XXXX should be removed on my report since XX/XX/XXXX and closed, XXXX XXXX   was transferred on XX/XX/XXXX Needs removing. XXXX should be removed from the report since XX/XX/XXXX.

All three XXXX XXXX loans were purchased by another lender should be removed.

XXXX XXXX XXXX was sent a letter asking for validation, they removed But added it back, they didn't validate this debt within the 45-days under the FDCPA, therefore, it should be deleted for good.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports
Consumer complaint received 2020-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been a victim of fraud for years. I recently checked my credit report and noticed a lot of errors and fraud accounts. I send identify theft reports and letters to bureaus and haven't received any updates to my reports.
Consumer complaint received 2020-08-09
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. (FL)

I had student loans and was making payment on time up until a certain point ( payments were automatic, the card I was using expired and I never realized it ). Eventually the loans went into default. I was then put into another federal consolidation program which I have been current with payments up to this current date. I have since started working on my credit and working towards a vehicle. This is really hurting my credit and I just would like to know if the way everything is being shown to me is correct. Attached will be photos of what I can see and what I tried to have Experian correct. It is showing 120+ plus days late but yet the month before and month after are in green. I understand It is my financial responsibility to make payments on time.
Consumer complaint received 2020-08-09
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: WELLS FARGO & COMPANY (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2020-08-09
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: TD BANK US HOLDING COMPANY (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2020-08-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (GA)

I got a loan from Carvana. I used my XXXX card in the Plaid. The Company told me that card was not valid to use for ACH. So, I transferred my {$1000.00} to XXXXXXXX XXXX. They told me that my bank was not allowing me to get money from bank account. I am getting these ugly XXXX email from Carvana stating that the money or the down payment has not been paid via ACH routing number or account number. I gave them my debit card information and the card does not seem to be working. I can transfer the money to Carvana via direct deposit. They said that they will send me the money. 

I need help here. 

I am not interested in fighting with these people. 

The contract does not say a down payment.
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Hi I am looking to register a complaint against Chase Bank in regards to the unfavorable policies and procedures that are designed to take advantage of customers. 

As a background, I made airline flight booking using Chase travel website using their premium credit card ( Chase Sapphire Reserve with {$550.00} annual fee ). The airline cancelled the flight due to Covid-19 situation. As per airline 's policies I'm eligible for a full refund. However, as the booking was made through chase travel ( agent ), the refund has to be initiated through them. 

I have talked to chase travel team 7 times collectively for 7-8 hours and all they do is send an email to the airline to provide them a code to process the refund. This has been going on for 4 months and I have been repeatedly told to keep waiting until they get a response to the email address. To make matters worse, upon me insisting to investigate the matter, they found out that they don't have correct email address ( as confirmed by them in the email ). However, this still didn't resolve anything. I have 2 cases open with chase for 3 months. 

Chase travel 's policies and procedures are designed to disadvantage customers and the customer service representatives are not provided any training on how to resolve/escalate such issues to next level. Further, no monitoring is done on the customer disputes/complaints and the 2 above cases are still open for months. 

I request CFPB to take action against Chase Bank and have them resolve this issue. Additionally, as explained above it may require broader review and update to the chase travel policies and procedures to make it Fair for the customers. 

Flight details : Chase travel - Itinerary number : XXXX Travel Date : XXXX XXXX to XX/XX/2020 Refund requested : XXXX
Consumer complaint received 2020-08-09
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. (FL)

XXXX and Transunion continue to report fraudulent negative information on my credit report and will not remove it to no avail. They are in violation of the FCRA.
Consumer complaint received 2020-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX XXXX has been on my account since XX/XX/XXXX with false amounts of {$2400.00}, {$2700.00}, {$1300.00}. Us Dept of Education been on my account since XX/XX/XXXX with false amount 's of {$1300.00} on my report two times XXXX XXXX XXXX XXXX has been on my report since XXXX/XXXX/XXXX false amounts of {$7000.00} i never in my life made any payments on these loans, they were supposed to remove off my report and have not removed .They have multiple accounts on my report and have not removed any accounts have ignored my request, i want the accounts removed immediately