davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
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: EQUIFAX, INC. (GA)

had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with cause i feel someone is taking advantage of me and my credits. there is lots more i see on my credit reports. Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do, and remove these fraudulent accounts from my credit.
Consumer complaint received 2020-04-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was informed by my credit card company via a text that they detected a suspicious charge from XXXX, I do not currently have nor have I ever had a XXXX account, and I replied that the charges where fraudulent. They sent me a new card and immediately upon activating the new card I received another text message stating that I again had these suspicious charges from XXXX on my account. Upon contacting the company they informed me they would contact XXXX and resolve the issue and contact me via a phone call. After four days of no contact I decided to attempt contact with them upon which they informed me that the claim had been resolved. I again contacted them and after being on hold for over 90 minutes and being constantly transferred to the incorrect department they informed me that they in fact had not resolved the claim and had not contacted the third party XXXX XXXX in this case ). Mind you that I have not used this card in months and when I suggested that they may have an issue on their end ( I suggested a date breach since I had not even used the card yet ) they informed me that it was in some way my fault and I should resolve it with XXXX myself. I am completely dissatisfied with the abhorrent customer service of this company and their complete disregard for customer service.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (PA)

EOS CCA has been reporting an open account on me credit report since XXXX. 

My account was closed by XXXX in XXXX. 

The company keeps re-aging my debt, most recently from XX/XX/XXXX ( from XXXX ) to now XX/XX/XXXX.
Consumer complaint received 2020-04-08
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: Experian Information Solutions Inc. (FL)

I'm not responsible for this accounts. I was victim of Identity Theft, a company stole my personal information, user names and passwords, they applied for many cards and loans, took money from some of my cards. i'm not responsible for this debts.
Consumer complaint received 2020-04-08
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. (GA)

had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with cause i feel someone is taking advantage of me and my credits. there is lots more i see on my credit reports. Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do, and remove these fraudulent accounts from my credit.
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was recently a victim to a scam. I paid XXXX dollars through Zelle with the expectation that I was going to get that money back ( according to the scammer ). After the money was sent, I was threatened and extorted for more money which is when I got the authorities involved. My other XXXX  XXXX XXXX claims are still being investigated but this one was denying giving my money back. This transaction occurred on the XXXX of XX/XX/2023. XXXX held an " investigation '' but nothing was resolved.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc. (IL)

This company is using stall tactics to avoid accountability for violating my consumer rights. I previously file a complaint about this company and they responded with questions about my identity. This is a common stall tactic used to avoid complaints made to this platform. I would like the CFPB to do a full investigation into this matter. I also provided screen-shots of the company 's response to my previous complaint. They are requesting information that they already have, For example, how was this company able to identify me using my maiden name : XXXX XXXX, but I made the complaint using my martial name : XXXX XXXX. This is proof that the company has identified me, and is choosing to use stall tactics to avoid my original complaint.
Consumer complaint received 2023-05-13
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. (MI)

Im not late with XXXX XXXX and In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX has Violated my rights. 15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. XXXX are Violating my rights.
Consumer complaint received 2020-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with Capital One, XXXX XXXX, nor XXXX, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, Capital One has reported a 30 day late on our account to the 3 credit bureaus, and neither XXXX XXXX nor XXXX will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks XXXX will most likely be to file a class action lawsuit. 

Thank you for your help.
Consumer complaint received 2022-02-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

The banking system is dependent upon fair and accurate credit reporting pursuant to 15 usc 1681 ( a ) ( 1 ). My consumer report isnt accurate! And thats not Fair! You have violated my rights for the last time. The injured party has been in the dispute process for these inconsistencies, inaccuracies and outright fraud on my account for too long with no compliance. 
Disputes have been sent to eliminate the inaccurate account because the date the account was allegedly opened ( which is still reported incorrectly ), the high balance of the account, which is a direct cause for my interest rate being XXXX higher than the nations average. The injured party has exercised their consumer rights to dispute inaccuracies and you have failed to provide maximum possible accuracy in your reporting pursuant to 15 usc 1681e ( b ). Part of the dispute process is disputing with the original creditor and once the injured party did follow through with the process ; XXXX XXXX XXXX XXXX sent me proof of the inaccuracies by stating we noticed inconsistencies with the reporting if the person furnishing the report can notice it why didn't the Credit reporting agencies? This is a direct violation of my consumer rights as you EXPERIAN and XXXX purposely failed to follow reasonable procedures to assure maximum possible accuracy. ( 15 usc 1681 ( i ) ) Experian and XXXX you have pushed the duty to verify onto the furnisher and never did your due-diligence to reinvestigate. Your failure to be fair and equitable with reinvestigations is proof that you have shown neglect in regards to consumers rights privacy. ( 15 usc 1681b ) You will be held accountable!
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (LA)

Hi I'm Very upset this is Disturbing too I cant see my credit score since I've been home from XXXX all kinds Things Went On I Cant Do Anything I AM NOT DECEASED MY NAME IS XXXX XXXX XXXX MY Address is XXXX XXXX XXXX XXXX LA XXXX last XXXX of my ss XXXX birthday XXXX I Have No Knowledge Of These Address on my Report Besides XXXX XXXX XXXX XXXX LA XXXX Please reach Back out I need ANSWERS
Consumer complaint received 2016-07-03
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank continues to practice unfair, deceptive, abusive acts and business practices by failing to comply with Regulation X. 

Chase Bank sent a Request for Mortgage Assistance form dated XXXX XXXX, 2016 that was received from XXXX on XXXX/XXXX/2016. The Request form was forwarded to my attorney. 
The letter stated that the forms needed to be returned by XXXX XXXX, 2016. ( 39 days prior to a foreclosure sale ) Regulation X requires servicers to maintain policies and procedures reasonably designed to achieve specific objectives that include : providing timely and accurate information ; properly evaluating loss mitigation applications ; facilitating oversight of and compliance by service providers ; and facilitating transfer of information during servicing transfers. 12 CFR 1024.38 ( a ), ( b ). 

Chase failed to provide accurate and timely information and documents in compliance with the servicing rules that provide a borrower with accurate and timely information and documents in response to the borrower 's requests for information with respect to the borrower 's mortgage loan. 

Chase continues to abuse their customers by keeping them in the dark about available options to avoid foreclosures. Chase delivered the forms and requested the return of the documents on XXXX XXXX, less than 45 days before the foreclosure sale to avoid notifying the borrower that a loss mitigation application was received and proceed with a foreclosure sale on XXXX XXXX, 2016. 

Servicing rules now require that if a servicer receives a loss mitigation application 45 days or more before a foreclosure sale, it must notify the borrower in writing within five days to acknowledge receipt of the application and whether it is complete or incomplete.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CURO Intermediate Holdings (LA)

Hi I'm Very upset this is Disturbing too I cant see my credit score since I've been home from XXXX  all kinds Things Went On I Cant Do Anything I AM NOT DECEASED MY NAME IS XXXX XXXX XXXX MY Address is XXXX XXXX XXXX XXXX LA XXXX last four of my ss XXXX birthday XXXX I Have No Knowledge Of These Address on my Report Besides XXXX XXXX XXXX XXXX LA XXXX Please reach Back out I need ANSWERS
Consumer complaint received 2022-05-05
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, AND 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 15 U.S.C 6802 Any financial institution is forbidden from sharing my information with third parties.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (SC)

My credit card account was hacked by a scammer named XXXX who acted as a loan company claiming to be working with the federal government. He made payments to my account and reversed them also purchasing {$1100.00} worth of gift cards bringing my account balance overdrawn by {$1100.00} more than my credit limit amount. How could I have possibly made a purchase {$1100.00} over my credit limit? The scammer needs to be prosecuted for targeting someone like myself during a time of economic crisis due to the corona virus. Chase Amazon bank is holding me accountable to those charges and refuses to understand or help me.
Consumer complaint received 2020-04-08
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2020 I sent a letter to Capital One bank related to a reported late payment being reported in my credit report. I notified them that I am disputing this and asked for verification or proof bearing my signature. Within 30 days I had heard nothing back from them nor did they Mark this item on my credit report as being disputed. I sent a second letter to them on XX/XX/XXXX which was received XX/XX/XXXX. My credit report still doesn't reflect that I'm disputing the item in question and I haven't heard from them since they received this letter.
Consumer complaint received 2022-02-18
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. (WA)

I have disputed this account multiple times with both the mortgage company and credit company ( Experian, XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This mortgage has been dismissed and it's still showing on my consumer file as open and reporting as 120 days late or more. They are reporting inaccuracies on my file
Consumer complaint received 2020-04-08
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Coastal Credit, LLC (MA)

in XXXX, buy a car financed by XXXX XXXX XXXX ( dealer ) to Coast credit ( financial ) this dealer is located in the XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, the purchase was a branded XXXX XXXX XXXX car VIN XXXX, when buying the car notices some strange things in the car that in the dealer indicated that they could arrange it in their mechanical workshop, I took it from times because of a problem when iceding a strange noise but I was told that it was something normal in those cars after six months. the engine was damaged by an internal problem the distribution chain jump and dovulas the valves the caul according to the meccanic the car sold it to me so with that problem and that when using it acress the problem call the dealer and did not make responsibility, a car that in six months was useless and I had to spend more than 2 000 in repair the next year the vehicle again presents a fault with in abs lock the crro at a speed ENTERS IN NEUTRO NOT BEING SAFE FOR PASSENGERS, the repairs of the same were made of which in XXXX XXXX had made two large repairs to that car with expenses of more than 3 thousand dollars, it is clear to see that these dealer people are scammers and sell to their customers cars damaged and do not take responsibility. The car presented or accident that stops the condition of returning it and explaining to Coastal credit what had happened they indicated that they did not have to pay the car, because to see that the car was presented again fault decibi enter it since it was not safe for either me or my family or the people who are on the road.
Consumer complaint received 2022-02-18
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. (IL)

I Called transunion because my credit scores are dropping. From False reporting of being late with a payment. These accounts are paid in full. And are in charge off status and remain on my reports till XXXX XXXX Bank XXXX and XXXX XXXX bank ending in XXXX And XXXX XXXX does what they tell them to do. Its a crime they should be fined and jailed Also Experian and XXXX are guilty I Have reported them to their own fraud and credit card investigations to correct within XXXX days. i cant handle all XXXX scores faillng from XXXX pts to XXXX since and XXXX months in XXXX XXXX and XXXX and last year.. please help me
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I Called XXXX because my credit scores are dropping. From False reporting of being late with a payment. These accounts are paid in full. And are in charge off status and remain on my reports tillXX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ending in XXXX And XXXX XXXX does what they tell them to do. Its a crime they should be fined and jailed Also XXXX and Equifax are guilty I Have reported them to their own fraud and credit card investigations to correct within 30 days. i cant handle all 3 scores faillng from XXXX pts to XXXX since and 2 months in XXXX XXXX and XXXX and last year.. please help me
Consumer complaint received 2020-04-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Money Transfer Acquisition, Inc. (TX)

A money service was sent to a person in XXXX to a personal Bank account but the associate from the DolEx booth included a wrong digit in the bank account number and was sent to the wrong bank account. I went back to the XXXX location that same day XX/XX/2020 to inform them there was an error and the associate informed me that she would send in a cancellation notice and asked me to return the following day XX/XX/2020. Today when I went back she informed me that It has not been canceled because they can't and the only way to cancel is by getting ahold of the department of XXXX Banking. The person I tried sending the money to has contacted and has taken the steps needed for the cancellation and they were informed that the issues have to be resolved on the sender 's side since the error was made by the sender.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

Chase bank has been rearranging transactions to maximize O/D fees. On XX/XX/XXXX I had am available balance of XXXX. I went to the store and spent XXXX which the pin pad was messed up and it request XXXX $ back as cash which then left me with a XXXX balance. I went back to the bank to deposit XXXX $ to bring the account to XXXX XXXX Which according to Chase Bank O/D fee policy anything under 5 $ isnt charged a O/D fee. 
I wake up on XX/XX/XXXX to find a available balance of XXXX. I talked to a rep at the bank who just told me the same scripted stuff about monitoring my account and that available and current are two different things. I kept bringing up that I get that but how am I O/D when I put the money back to cover it. Every time i mention rearranging the bank get super defensive about it. I have also done my own research and found out that Chase has had a XXXX XXXX dollar lawsuit back in XXXX for this exact same thing that I'm dealing with.