davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Hi I need help with this issue. 

I spoke to XXXX XXXX at XXXX on XX/XX/2020 for advertising with yelp. She said she would set me up try to the advertising for the weekend for free. If I wasnt happy with the services I could cancel and would not be charged. Her and her associate XXXX XXXX kept harrassing me about these services till I gave in since it was free. I was charged {$53.00}. Even though I cancelled the services before the weekend was over. I am not working and business is slow this is why I was skeptical about signing up for this service. They lied and I need a refund for this money back. I have also searched their XXXX page and apparently they are taking advantage of other small businesses. I have also contacted 100 's of other business owners who this has happened too. Here is their XXXX page with all the complaints XXXX XXXX XXXX
Consumer complaint received 2021-02-04
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. (DC)

In XX/XX/XXXX, I reviewed my credit and noticed XXXX XXXX was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method of verification for this alleged debt. I received no response. In XX/XX/XXXX, I sent a second letter via certified mail with a second request for a method of verification/debt validation. I also requested specifically what method of validation did the credit bureaus receive to determine the debt was valid.I requested the credit reporting agency provide copies of whatever information the collection agency provided to validate this debt and if the documentation could not be provided, I respectfully requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, XXXX XXXX currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the D.C. Department of Regulatory Affairs. I would like XXXX XXXX to validate the debt by providing an original contract with original signatures, detailed proof of title, and provide a valid General Business License as required by DC LAW 47-2851.03d. If the documents are not provided it is in direct violation of FDCPA section 809.
Consumer complaint received 2020-11-11
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. (GA)

Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My 2017 XXXX XXXX  was financed thru capital one. I could no longer afford the payments. I called capital one to get the payoff ( I recorded the call ) and it was {$12000.00}. I sold the car for the same amount. 3 days later I called to have the exact payoff instructions emailed to me and then payoff then was over {$16000.00} since I had the previous payoff recorded, and after months capital one agreed that is was there error, and accepted the {$12000.00} payoff. It took them weeks to post my payoff, even though at their recommendation they placed a conference call to my bank, and my bank verified that the payment had cleared. Since it took them so long to post the payment I started getting late payment phone calls. Rather than have their lack of timeliness in posting my payment I made another monthly payment {$470.00}, so as not to affect my credit, and I fully expected that since I made the full payoff, and then an additional payment, that of course the loan would be overpaid and capital one would send me back the {$470.00} extra that I paid ... they ( office of the president ) refuse to send it back
Consumer complaint received 2020-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently sent a letter over 3 months ago to the Bureaus and they are disregarding a regular consumer disputes. This if very frustrating to have to worry about my credit while in a pandemic and have been sending letters before this and still no response.
Consumer complaint received 2020-11-11
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. (OH)

The accounts on my credit report are in violation of Federal Law. I have requested a few time before a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I have no record of doing business with any of these companies listed below. XXXX XXXX, XXXX, Experian have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. I demand the following accounts be verified or deleted immediately : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX {$500.00}
Consumer complaint received 2020-11-11
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. (OH)

The accounts on my credit report are in violation of Federal Law. I have requested a few time before a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I have no record of doing business with any of these companies listed below. XXXX XXXX, Equifax, XXXX  have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX {$500.00}
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CT)

I enter into a payment arrangement with representative XXXX XXXX of XXXX XXXX XXXX. According to Mr. XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. I was surprised because I was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. Mr. XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX XXXX XXXX blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX XXXX manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer responds.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

I have filed for them to remove this bankruptcy too many times. I have wasted money and sent letters certified and still no resolution. This is damaging my personal and business life. They stated that the information was verified in the enclosed document XX/XX/2020 but the bankruptcy was removed from XXXX  but is still currently reporting on XXXX  and XXXX. They are reporting inaccurate and unverifiable information and I would like for it to be removed and an updated copy of my credit report sent to me.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/2021 - XXXX  sent me an alert that a credit limit check was submitted against my SSN by TD XXXX XXXX XXXX ( XXXX ). 
XX/XX/2021 - XXXX  then sent me an alert that a credit card with a credit limit of {$10000.00} was established ( Retail establishment is XXXX  & XXXX  ). 
XX/XX/2021 - I contacted XXXX  and let them know that I did not open a new credit card XX/XX/2021 - XXXX  advised me to get a Police report ( which I did ) XX/XX/2021 - I contacted XXXX  and they were able to bring up the fraudulent account and asked me a number of questions. The home address I have did not match what they have on file. Obviously they did not tell me the address on file, but they did freeze the account in their system so that it could not be used. Currently there were no charges to the account. 
XX/XX/2021 - I sent the Police Report to XXXX  so that they could remove the credit inquiry and card from my records. ( they advised me to reach out to you with the same information )
Consumer complaint received 2020-10-05
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)

I have disputed an Account with " XXXX   ''. The case # listed on my credit report is XXXX. This company is currently reporting late payments on an account that was cancelled many months ago in XXXX. I disputed this account with the company as well as XXXX, XXXX and Transunion. I have provided proof of the cancellation via an email exchange between myself and the XXXX.
Consumer complaint received 2023-07-25
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. (CO)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NC)

Good afternoon, we have about 3 credits cards that refuse to wok with us due to the corona virus, I retract that 2 helped in the beginning but we are still not 100 % back to work as our governors has a mask mandate in place and my husband and I have a medical condition and can not wear a mask and most of our customers are requiring masks to be worn in their homes. At first some did postpone payments however the interest kept on being added and some late fees, which this brought us passed our credit limit, now that they have stopped and are wanting payments to resume they want $ XXXX to {$1700.00} up front which of course still not working 100 % it almost impossible to do, so now late fees are piling on, reporting to credit bureaus are still going on ( which they did even when they were not requiring payments ) My XXXX XXXX XXXX   MasterCard - XXXX XXXX  XXXX Costco - Citicards XXXX BestBuy Credit Services XXXX I also have credit companies that have reduced or closed my accounts even when there was no balances or was never late and still making payments i.e. The home depot card ( which we use for business ) XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   and several others. 
I have no problem making payments to these companies but they have to be reasonable with payments as this is NOT something we caused, I have told them we can probably do $ XXXX {$150.00} per month and we even asked for them to reduce interest and stop late payments but they will not work with us. 
Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc. (TX)

this debt is not mine this account was my x husband and this was his account I'm not the main signer on the account and we are now divorced after 7 years this is his account not mine and I have documentation and have proven this time and time again they took it off once and its back on again. this needs to stop
Consumer complaint received 2023-05-09
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. (TX)

Experian or XXXX reported in accurate information on my credit report if they cant provide validation of the information reported it must be deleted or updated to positive payment history. I have not supplied proof under doctrine of estoppel by silence, Engelhardt v.Gravens 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist as late payment status.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America denied me a business credit card application, giving me the reason that my personal report has negative marks or indicators and that is why they did not approve the application, but I must remind you that I applied for a credit card for my business, not for me. personal use because if they register a fictitious name they believe that they are going to force someone to pay or comply, they are very wrong, what they show is that they are not doing their job well or they are not providing the services they offer because you have to know the differences between personal accounts and of business.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised by agent ( XXXX ) on XXXX that if I made XXXX installment payment before XXXX that I would avoid any late credit reporting. I paid XXXX on XXXX XXXX. The company XXXX still reported me late in both my private loans. This has caused my score to drop by XXXX points. I have called the company to resolve with management they promised they would call me back no one ever did. I would like this corrected to restore my credit back as should be. I also paid a payment on XX/XX/XXXX as well XXXX .This is negligent on the part of XXXX XXXXthis is hurting me financially. Please have both late payments removed from my credit file .im asking that the call from XX/XX/XXXX be reviewed.
Consumer complaint received 2023-01-06
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. (FL)

I am a consumer by law, this has not been submitted in error. 
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Inaccurate Name : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inaccurate Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inaccurate Address XXXX : XXXX XXXX CT XXXX XXXX XXXX NY XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have violated my rights Account XXXX : XXXX XXXX - Account number : XXXX Have violated my rights Account XXXX : XXXX XXXX  - XXXX Acct # XXXX Have violated my rights Account XXXX : XXXX XXXX - Account # XXXX Have 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 : Also states a consumer reporting agency can not furnish account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information,, other than records of convictions of crimes which antedates the report by more than 7 years 15 Y.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-05
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. (MI)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2021-02-04
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. (IL)

Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX XXXX never late XXXX XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX  XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX XXXX not mine
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I AM A VICTIM OF ID THEFT FROM THE XXXX DATA BREACH engagement number ( XXXX ). THESE FRAUDULENT ACCOUNT ARE DEMAGING MY NAME AND STOPPING ME FROM GETTING MY HOME.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (LA)

Dear Sir/Madam, I am writing to dispute a debt reported on my credit report by XXXX XXXX XXXX According to my credit report, I owe them an outstanding balance. However, I would like to clarify that I do not owe any money to XXXX XXXX, as I have never signed agreements with them or received any loans or services from them. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Debt Information as it appears on my credit report : Creditor : XXXX XXXX Account Number : XXXX Amount Owed : {$1400.00} As mentioned, I do not know about any business dealings with XXXX XXXX, and I have never signed any contracts or agreements with them. I suspect this debt may result from an error or even fraudulent activity. Please investigate this matter and remove the XXXX XXXX debt from my credit report if it is inaccurate or invalid. 

I am attaching a copy of my driver 's license as proof of my identity and address. I also request that you send me a confirmation letter once this investigation is completed and any necessary updates have been made to my credit report. 

Thank you for your prompt attention to this matter. If you require further information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NH)

Loan was payed in full XX/XX/27 I have not received my Escrow Balance as of XXXX, despite them supposedly sending it. Since I am required to send things certified, they should have sent my escrow refund certified or as a cashiers check.