davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from XXXX XXXX XXXX, specifically the account titled XXXX, Account # XXXX. This is not my account but my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security number and DOB. I did not open this account nor incur the charges and negative remarks associated with this account. Please remove this account and any derogatory information associated with it from my credit report.

Please also ensure that any and all attachments are forwarded to the furnisher :
Consumer complaint received 2022-01-26
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)

The following late payment remarks have been placed onto my credit report without my verbal or written consent to do so which is a direct violation of my rights under the FCRA and section 15 USC 1681B. Due to these facts given the following late payment remarks must be removed : XXXX XXXX XXXX for the months of XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I'm a loyalty Chase and XXXX XXXX customers. But these two banks close all my credit cards accounts recently. 

Chase : They close all my credit card account and claim I have too many additional card holders for my XXXX credit cards. After they told me, I have close all my additional card accounts. But they still decide to close all my Chase credit card account ... It's not fair. 

XXXX XXXX : Last month, they start a Financial Review on my account and I have follow the step to file my tax return to them, but they still close all my accounts. I have no idea why they decide to do so. 

P.s : All my Chase and XXXX credit cards have no balance due and I always pay the bill on time.
Consumer complaint received 2017-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (LA)

I am a long-time user of XXXX and Paypal and have never had any serious difficulty with either while transacting small purchases over the years. For the first time, I attempted to sell an article as XXXX  urged and advertised as being something I easily could do using my existing PayPal personal account. <P/>I quickly sold an article for approximately {$160.00}. Only then was I informed by PayPal that in order to receive proceeds of the sale I would need to establish a business account and verify the associated address. I can not document some of this exchange as it consisted of screen messages I did not have the foresight to grab. I sent a copy of a page of a recent bank statement ( attached as XXXX ( XXXX ) ) in satisfaction of this requirement which PayPal dismissed as illegible and otherwise inadequate as they additionally demanded : A copy of your Certificate of Incorporation A copy of your Business Registration A copy of your Business License I can not comply as I do not have a licensed, registered or incorporated business and was not informed before the transaction such would be necessary. It appears the funds will remain frozen indefinitely and I have no informal recourse to collect them. Similar abuses were the subject of a class-action suit. XXXX v. PayPal, which has been settled. <P/>The attached correspondence and documentation provide details of our exchange and shows PayPal 's unresponsiveness.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-28
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit file has been really compromised. I have been acquiescing various written pleas to Experian regarding the fraudulent information being stated on my file. The last letter I sent to Experian was XX/XX/2022 with comprehensive attachments of my Personal information, but regardless of all my efforts, Experian seemed to overlook my appeals and disregard their duty to fulfil with the FCRA section 605b. I've been asking for remedy about this matter but I guess Experian is ignorant for they have again deserted my concern. You asked for Documents and I have given it. I've provided my FTC report and the Police Report I filed on my local Police Department. What else should I deliver? Did I miss something? AGAIN, I am a victim of IDENTITY THEFT and I do not reminisce having these accounts with these companies so please REMOVE these harmful accounts from my file INSTANTLY! 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Consumer complaint received 2022-01-27
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: SYNCHRONY FINANCIAL (VA)

On XX/XX/2022. Someone hacked my XXXX  account and ordered tennis shoes XXXX. My credit card was not stored on the XXXX website. I don't know how they got my information. I called PayPal and told them about this, and they said they were going to review this matter. This is not the first time someone has hacked my PayPal credit card. I'm not sure what kind of security measure Pay Pal must help keep confidential information safe, but it is not good that this happens to me more than once with this credit card company. Someone also hacked my regular pay pal account and tried to send money to people I don't even know using a virtual card that I never sign up to use. This company needs to fix their security. I know I am not the only one that has had this issue.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX I made a purchase of {$200.00} at Best Buy to take part in an offer from Citi merchant offers that I enrolled my Citi Simplicity card in. The offer was spend {$200.00} or more at Best Buy and earn {$50.00} and it expired on XX/XX/XXXX. I did not get automatically credit for it so I chatted with a Citi rep on XX/XX/XXXX and was assured that if it does not automatically credit by XXXX statement it would be manually credited by them. I've contacted citi multiple times afterwards through chat and through phone and in all attempts I was given the impression they had no idea what this off is and has ignored my attempt to send in a screenshot of that chat with the Citi rep I had to attempt to figure it out. Therefore I am attaching that screenshot as well as the screenshot of the offer and purchase so they can rightfully credit my account.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My XXXX XXXX Account has been paid in full as of XX/XX/24 and has been updated correctly on my XXXX credit file. Equifax and XXXX are still showing a high balance of over {$10000.00} even though my account has a XXXX balance. After speaking with XXXX at XXXX XXXX today ( confirmation # XXXX ), I've been informed that XXXX XXXX has already updated the information to the bureaus, and it's correct, and they have no control over what Equifax and XXXX are showing on my report. She was also unwilling to transfer me to XXXX XXXX credit dispute division and stated they do not speak to customers.
Consumer complaint received 2022-01-27
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 (NJ)

On or about XXXX XXXX I received a TD Bank Visa Card which I did not apply for. I contacted them by phone that evening and reported their error as I don't have and never did any banking with them so why would I apply for their card. Their claim was that this was that they had already marked the account as a possible fraud. On XX/XX/2022 I recieved a debit card from the same Bank, I tried to report it that evening but due to covid staffing and it being a weekend was unable to complete my call with them. On XX/XX/2022 I received a second Visa card from them having the same account information as the first. I again contacted them and this time was able to also speak to someone regarding the errant debit card. They have suggested I speak with you, SSA and Federal Trade Commision.
Consumer complaint received 2022-01-27
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. (AL)

Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (PA)

I received XXXX American Express Reward cards in fall of XXXX. The cards have an expiration date of XX/XX/XXXX. I went to use these cards in XX/XX/XXXX, thinking they were still good for 3 years. I shocked to see one card had a XXXX balance and a second card had a balance {$81.00} lower than it should be. While I was reading the fine print on the back of the card it said a {$3.00} service charge would be implemented after 6 months. 

That is wrong! If the card was devalued after six months, the expiration should have been six months. I called and spoke to offshore people with English as a 2nd language who explained that they would not refund my fees. I asked for a manager who also refused to do anything, and said I should have read the terms and conditions In my opinion, this is theft. No one reads the pages of small print that come with a gift card. I can't believe XXXX and American Express would associate their names with this type of business practice.
Consumer complaint received 2022-09-28
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-27
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: ENCORE CAPITAL GROUP INC. (AL)

To whom it may concern, MCM-Midland Credit Management Keeps contacting me, i told them i have no Knowledge of the account, I told them i want a copy of the signature they say is mine. all they can provide is a bill on what was charged ( this keeps going on ) with MCM. now they have threated me ( this is the 3 collection co. ) the others removed me. then mcm bought the this from another collection co, They can not verify the account other than a bill for XXXX XXXX, i Don't even have a credit card for XXXX XXXX ) they are threating to sue me. i sent them a letter told them if they cant find a signature then i will get my attorney involved, ( they seem like a scammer, will not take no for an answer. MCM ( Midland Credit needs to close up ) will not take no for an answer. ( Scammers ) I want a copy of the Signature, that they can find.
Consumer complaint received 2022-01-26
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. (MA)

Dear CRAs/XXXX/Equifax ; XXXX ; Please see the attachments for detail. I was reviewing my credit report today with my family & noticed all those accounts below still reporting on my credit report as-is. Therefore, its telling me that you never conducted a truthfully investigation with your organization but however you continue to send me random pre-printed templates responses. Those items below continue to report with multiple inaccuracies and violations and they are incomplete and therefore unverifiable. 
Still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

XXXX XXXX XXXX XXXX XXXX inaccuracies, DELETE! 
XXXX  XXXXXXXX XXXX XXXXXXXX inaccuracies, DELETE! 
XXXX XXXX XXXXXXXX inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXX inaccuracies, DELETE! 
XXXX XXXX XXXX XXXXXXXX inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXX inaccuracies, DELETE! 
XXXX XXXX XXXX  XXXX inaccuracies, DELETE! 
XXXX XXXXXXXX XXXX XXXXXXXX inaccuracies, DELETE! 


I was also reading some new findings from cfpb about your level of investigation. And I quoted " CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm filing this complaint against XXXX XXXX XXXX and all the credit reporting agencies because they are reporting inaccurate account status on the credit report. The account is for a 2021 XXXX XXXX XXXX and I got this vehicle last year. I noticed a delinquency remark on the credit report and I contact them because my payments go through thoroughly always and I have a flawless credit report. XXXX continues to report a delinquency to the credit report and the credit reporting agencies continue to be in a bias state that they do not accept dispute. I'm disputing the delinquency that was stated for earlier this year. I contacted XXXX and informed them that I always make my payment on time and they need to rectify their records and report accurate information. XXXX claims that they never received a payment. I have made my payment as I said always. XXXX claims that I am requesting a courtesy delinquency removal and they will not do it because they are protecting their brand. I do not care about their brand, all I care about is that they report my information accurately because I have never been delinquent in any of my payments. I always make my payment on time. If their systems did not process the payments quickly its not my problem, it is their problem and they need to solve their own issues internally not make falsified claims. I am not delinquent on my payments and I'm always on time with my payments. I tried to contact XXXX before making this report with the CFPB to have my issue resolved however, they continue with their claim that they are protecting a brand royalty which is still unclear thus far. Their brand royalty is not my problem but they better fix this delinquency report they falsely claimed because it affects my position as an investor and as a consumer.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

At XXXX on XX/XX/XXXX a text was sent to my phone from Capital One bank stating " We received a wire transfer request... If you didn't request this, call Capital One immediately ''. I saw this at XXXX and called immediately, to be told that they didn't open until XXXX and for me to call back. The account is a XXXX account that has very little activity. NEVER a wire transfer. When I reached someone at XXXX, I was told the wire had gone out to XXXX XXXX . I told them it was not authorized. I was forwarded around to several departments and was put on hold anywhere from 23 minutes to 66 minutes each time I was transferred. I was told I must have my devices " cleaned ''. I did that, for {$300.00} - to find that I had no breaches and my device was not even used on XX/XX/XXXX. Capital One insisted that someone sitting at my desktop in my home requested this transfer in the middle of the night, so they will not refund my lost funds. This simply didn't happen. It is more likely my personal information was compromised during Capital One 's breach in XXXX I have continued to call for updates, and continue to be transferred around and put on hold. Capital One allowed a suspicious wire transfer to leave my account and apparently has no procedures in place to prevent such fraud. I wasn't even contacted for authorization. It is becoming clear that their strategy is to continue to pass my call around and put me on hold, hoping I will eventually go away, and forget about the thousands of dollars of my money the bank lost due to sloppy procedures and poor fraud alert technology.
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

Springleaf merged with One Main. One Main,  Springleaf and XXXX have been and are reporting inaccurate information on my credit report. One Main, Springleaf and XXXX have been and are reporting hard inquiries without verifiable proofs of my consents. One Main, Springleaf and  XXXX have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all XXXX One Main and Springleaf asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from XXXX One Main and Springleaf of their inaccurate information and I didnt receive them from all of them. Since neither XXXX nor One Main nor Springleaf have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Certified mail sent to ONEMAIN onXX/XX/XXXX : XXXX. Certified mail tracking number sent to SPRINGLEAF FINANCIAL SRVCS on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : SPRINGLEAF FINANCIAL SRVCS Date : XX/XX/XXXX
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (AZ)

About 15 months ago, we obtained a loan for a primary residence purchase for the home next door. My cousin moved here to be next to me. Our lender- despite the appraisal coming in at $ XXXX and the loan amount being $ XXXX charged PMI. Thats 70 % of value, well below the 80 % for PMI. It seems we should never have been charged PMI. I have asked for weeks to resolve this and receive a refund ( see email correspondence below ) but so far Im not getting any positive responses and only encounter delays and deferrals to other contacts within HPC. First, was it legal to charge PMI given the circumstances? Second, we ask the PMI immediately cease.
Consumer complaint received 2022-12-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX