davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (SC)

I am trying to get a copy of my Consumer Report. Every time they do an update I am suppose to receive a copy of the updated Consumer Report. They never send me anything showing any updates. I am demanding copies of my Consumer File and Consumer Report. They are not the same.
Consumer complaint received 2022-03-27
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: Experian Information Solutions Inc. (PA)

I sent experian a ftc report in febuary about a fraudulent account.. they removed the account then put it back on my credit report.. The account was XXXX # XXXX This account is fraud ... pursuant to 15 usc 1681c-2 ( c ) ( 2 ) when the blocked information is rescinded the consumer should be notified promptly, in the same manner as consumers are notified of the reinsertion of information under 611 ( a ) ( 5 ) ( B ) which i was never notified..This is against my rights...
Consumer complaint received 2021-12-13
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. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XXXX. XXXX, XXXX
Consumer complaint received 2021-12-13
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-12-13
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Experian Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HILLTOP HOLDINGS, INC (TX)

XXXX, is the clever white collar crime of junk fees. 
I have letter dated XX/XX/XXXX. 
Asking for proof of fraud. 
XXXX says it started serving Primelending, A plainsCapitol Company. XX/XX/XXXX there are not the XXXX, XX/XX/XXXX. XXXX from servicer amount of {$3600.00} however same day I purchased XXXX XXXX ID # XXXX MIC XXXX $ XXXX. 
CURRENT LOAN NUMBER IS ; XXXX AS OF TODAY. 
I HAVE FOUND DOCUMENTS THAT SHOW THAT XXXX  AFTER PRIMELENDING MADE ERRORS, so XXXX  PURCHASED THE LOAN $ XXXX over my loan original loan amount. 
I have a file with. 
Trying to get the XXXX help, they can't recommend an attorney. 
XXXX has generated so many fees to complicate my life ; they were right there when primelending made the errors.
Consumer complaint received 2021-12-12
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: JPMORGAN CHASE & CO. (CA)

on XX/XX/20 after participating in a free XXXX webinar I got a call and agreed to buy an online course for the sum of XXXX dollars I was hesitant to register but they explained me that that I will be able to cancel and get a full refund for a period of 30 days. 

Only after paying I was introduced to terms and conditions for the course and was told that I will not be able to take part without agreeing to them. 

I started taking part in the course and it was very disappointing to me. and did not meet the promises that I was promised. 

on XX/XX/XXXX I approached the head coach XXXX XXXX and complained that the program is not as promised. 

XXXX XXXX called me a whiny little XXXX and kicked me out of the XXXX call and removed my access to all the program material and XXXX groups. ( all the access to the course ) I tried to contact the merchant multiple times, and although that they promised me a full refund they did not refund. 
this is a call with the sales rep that sold me the program that promised me a refund. 
XXXX XXXX XXXX XXXX  first 2 minutes tells it all. 

I contacted chase and explain the story, they denied my request to do a charge back on this charge and as I re-disputed they still deny my request. 

it feels like nobody there is reading what I wrote to them. 

I called chase few times but the people that answer the lines has no authority to do anything.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: O&L LAW GROUP, P.L. (FL)

On XXXX XXXX XXXX after getting my pay check deposited I went to put some gas in my vehicle & noticed my bank account had " 0 '' balance. I contacted XXXX XXXXXXXX XXXX & they told me I have been sued for {$9000.00}. I was in shock because I don't owe nobody & I haven't received any Court order citation. They provided me the name, case # & phone number from the Law firm is suing me & it's as follow : O & L Law Group, Ph : XXXX. They are Located at : XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX. Since the {$1200.00} was the only money I got in my account, I haven't been able to buy food or move my car. I called this Law firm Today & provided my case #, so they tell me what is this about & they asked me for my Social security number. I realized that this is an scam & didn't give this information. They told me they won't help me if I don't provide my social security number. I look at this case # in Court record & it doesn't exist. I searched for " O & L Law Group '' & there are several complaints on this business reviews about them getting into people 's bank account and unlawfully suing them without previous Court order citation.

I am requesting an investigation on this " O & L Law Group '' unlawful business practice which it is causing mental and financial damages and distress on people. Also, I am requesting they refund my bank account money as soon as possible. I don't have money to eat, put gas on my car. Like me other people have been hurt by this Law firm & if they don't get investigated future damage will be done on others.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Bank - My credit was pulled by Capital One Bank even though I have not applied for any credit nor given them consent for anything - Had nor spoken to Capital One. 

I received a call from them that someone had applied for credit and they were verifying that it was me. I told them NO and I as surprised to get the call. I asked the details of this application but they gave me no details other than it was applied for online. 

They said that since they had confirmed that it was not me that they would not report the inquiry onto my credit reports but they did. Later when I pulled my XXXX bureaus I say that they had put a hard inquiry on my credit reports. I called them and got the run around and not they are saying they have to verify that it was not me when THEY CALLED ME BECAUSE RED FLAGS WENT UP IN THEIR SYSTEM THAT THIS WAS FRAUDULENT. I still have a credit inquiry on my credit reports that I did not initiate and that they told me wold never be there.
Consumer complaint received 2021-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (PA)

About XXXX my job was closing down. I contacted Discover Financial Scvs and spoke with a XXXX I told him I am about to XXXX XXXX XXXX and requested an interest rate reduction. He refused me and told me that the best he could do for me was close the card. I told him I did not want to close the card and reminded him of my positive payment on the card since I obtained it. He didn't care. I got a XXXX pay and paid up card and requested to close the card. 

By some mysterious reason, the card was still active and being used intermittently by someone. I didn't know anything like that was happening in the background. Nonetheless, the card was charged off and Discover Card sent me a 1099C ( which is a Charge Off document I was to file on my tax return as income and I paid taxes on it as income about XXXX and/or XXXX. 

However, Discover Card continues to report the item on my credit file as a Charge-off. Since Discover Card charged off the balance, issued a 1099C, and I paid taxes on the amount as income, it is erroneous to be reporting it on my credit. It's a done deal, I paid taxes on it as income. So it needs to be removed from my credit or not show it as a Charge-Off. 

Yet, on XX/XX/XXXX, Discover Financial Svcs did a hard pull on my credit without my knowledge or consent. That was a willful, deliberate and spiteful act on the part of Discover Financial scvs. I would like the to remove the item from my Credit File.
Consumer complaint received 2021-12-13
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: JPMORGAN CHASE & CO. (NJ)

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on JPMCB XXXX 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : ( JPMCB CARD XXXX )
Consumer complaint received 2021-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Transworld has repeatedly violated the law for continuing to report monthly this alleged debt when they are NOT the original creditor. Transworld Systems hasnt been able to provide any proof that they are they original creditor and I have not validated the debt as The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

This company is in violation of my consumer rights. According to 15USC 1692g Transworld Systems has failed to provide all of the information required in the law below as well. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2021-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/2021 at XXXX PST I rcvd a robocall from ph XXXX introducing themselves as CMRI Fin Services and calling me XXXX XXXX and claiming they r collecting Agency acting on behalf of XXXX XXXX XXXX for account XXXX and referring to ph XXXX for me to call back. 
i am not that person they try to connect with and i never interacted with XXXX XXXX XXXX as a patient. Please, stop this harassments and unsolicited phone calls. i am sure these are scammers. Thanks.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (PA)

In trying to obtain funding for a real estate need, I was turned down because of information shared by XXXX with the potential Creditor. I obtained a copy of my Credit Report and discovered that XXXX is reporting multiple errors on my Report so I contacted them multiple times seeking to have them delete negative information that they are providing potential Creditors but they refused. I believe that if the information on one 's XXXX XXXX is incomplete, incorrect, unauthorized, it must be deleted upon the request of the XXXX. 

The errors ranged from : XXXX incorrect SS # XXXX XXXX XXXX XXXX  ). mine is XXXX. 
XXXX incorrect name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX incorrect address of Bankruptcy XXXX. 
XXXX multiple unauthorized hard inquiries by companies that had no Permissible Purpose, I had not given consent to and I have no business with. They are marked with *. 

I have written and called XXXX about these but they just don't care and continue to report the errors. I am soliciting the intervening power of CFPB to have XXXX show respect for the law : CFPB, FCRA, Federal, State, Local ; and delete all negative entries they are reporting on my Credit file with so many errors. XXXX collected, used and shared my personal information without my knowledge or consent. 

Long live CFPB. I think help has finally come! Please note the highlighted concerns as well as those marked in * in the attached document.
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (IN)

I purchased a car from XXXX XXXX XXXX on XX/XX/2018. The loan was to be financed by Westlake Financial for approximately {$22000.00} and a monthly payment of {$480.00} a month. About 2 weeks later I received a call from XXXX stating that the bank backed out of the loan and I needed to return the car asap. The bank decided they didnt want to finance me. I took the car back that day. About another week or 2 goes by and I start getting phone calls and statements in the mail for a car I don't have and a loan that I never got. I attempted to call the bank multiple times to get it corrected and the account closed out but they wouldn't close it. I called the dealership, XXXX, and was told they will call the bank and have the account closed. Another week or so and I get another letter and statement in the mail telling me about my upcoming payment. I then call Westlake again and I call XXXX again. Both tell me they will take care of the issue. Today XX/XX/XXXX I begin to get credit monitoring alerts left and right so I log on to see what is happening and its Westlake Financial adding an active open account to my credit stating that I took out a loan for {$22000.00} for a car I do not have! Obviously Westlake and/or XXXX is not doing what they are supposed to do and I am the one suffering. This open car loan on my credit is hindering me from being able to get a car because the company says I already have a car loan when I don't! I demand this account be removed from the Westlank Financial Bank 's system and I demand that this open active account be closed and removed from my credit report immediately! It is frustrating to continue to deal with this!
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Experian. XXXX and XXXX has XXXX inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove from my credit report.
Consumer complaint received 2021-12-12
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: Stevens Business Service, Inc. (NY)

Issue : Collections account is in violation of the statue of limitations. Reported incorrectly or not at all : date of first delinquancy, serviced utility address. 
Disputed with XXXX and XXXX multiple times in the last XXXX years. 
XXXX amount : {$280.00} XXXX : file accessible : XX/XX/2021 XXXX : XX/XX/2021, XX/XX/2021 Actions taken by reporting agencies : Disputed information accurate. Reported incorrectly. 
Not sure what to do anymore
Consumer complaint received 2021-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

We had subscribed online to XXXX who provided a tool to draw diagrams. The subscription ran thru XX/XX/XXXX, and would be automatically renewed if we did not cancel. However we did cancel, and we have an email from XXXX sent on XX/XX/XXXX at XXXX XXXX acknowledging the cancellation. 
However, they claim that the cancellation would take effect not now, but on XX/XX/2022 and billed us {$580.00} and that the charge would be non-refundable. 
We disputed the charge with Capital One. Initially, they gave us a temporary credit. Upon receipt of letter from XXXX that 'no cancellation ' per policy was received. 
This is false and considering that we did provide Capital One with the cancellation acknowledgment dated XX/XX/XXXX, Capital One should have removed this charge permanently.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XXXX booked a flight using XXXX for AA. I was not allowed to board due to XXXX  XXXX. I attempted to rebook with AA but I was denied because I booked with a third party ( XXXX  ). Contacted XXXX to be told that my ticket is nonrefundable and they can not rebook my flight. So far I am in red for {$470.00}. On XXXX contacted Chase and opened a claim against XXXX. All supporting documents were provided to Chase. On XXXX received a letter from Chase stating that my Claim is denied because my transaction was authorized. My claim was never regarding authorized or not. My claim is for fraud perpetrated by the merchant. I contacted Chase for more information and was informed that XXXX won the dispute!!!! I did request supporting documents submitted by XXXX. I was told that I should get them within 15 days by mail. Today is XXXX I still do not receive any document from Chase. Why : 1. No such documents exist. Chase can not be an arbitrator since has a financial interest in the transaction. 3. That is the predatory practice by bank institutions. 4. This violates The Federal Arbitration Act ( USA ). Title 9, US Code, Section 1-14.