davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (FL)

I want this Account Off My Credit please. This Account should Not be on my Credit This is against The law for someone to steal my identity. I did not give any Consent for this account to be open. 
this is very stressful. I'm a single father that is trying to survive for me and my kids I'm about to be on XXXX XXXX  with my kids cause every time they check my credit they see this fraudulent account which makes me look bad as as a person and theses companies don't trust me which i pay all of my bills on time pleases help me resolve this situation or I will be on XXXX XXXX  with my kids with covid 19 I am so afraid
Consumer complaint received 2021-04-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Leap Credit, LLC (MS)

In XX/XX/XXXX, I received an email about Leap credit drafting my account for a payday loan. I contacted my credit union, and they informed me that be on the lookout, basically probably a company trying to get information out of me. A few days later, they drafted my account, once I was finally able to get a hold of them, I informed them that I didn't apply for a loan, the lady on the other end told me I did, so I asked her to email me the application with my signature on it, she emailed it to me, and it was a typed signature in the box, They had deposited XXXX in my account, long story short the issue was resolved. She told me that they were not a fraudulent company and apologized. I had to do a police report and put freezes on my credit report. Almost 2 years later, in XX/XX/XXXX, they drafted my account again. I contacted them again ; this time, they told me it was a computer glitch and again apologized. We had a nasty verbal exchange over the phone, and they asked me not to contact the XXXX or anyone else because the issue was resolved and they wouldn't use my information again. On XX/XX/XXXX, they drafted my account again. I called again and once again apologized and said they don't know how it happened and they would resolve the issue on their end and no need to contact anyone. I'm frustrated because I don't know how they have my banking information. I honestly never applied for the loan. When I contacted them, they also told me that they called me and left a voicemail asking me if I still need the money, and they assumed I did, which is why they deposited the money in my account back here in XX/XX/XXXX.
Consumer complaint received 2019-03-22
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)

I have been paying child support for years. The 1st case, I paid child support for a child  that was not my child. I went to court and the judge did a XXXX test  and the child was 100 % not my child after years of paying support. The Louisiana Department of Child support, was aware and received the documents, regarding this matter and refuse to release the child support. I still have my check garnished by child support for a child that isn't my child. In addition they take the child support from each pay check as a garnishment and yet has been reporting the monthly pays as late each and every month, which has destroyed my credit and refuse to correct, my credit report and the payments history, nor will they release the garnishment for the child that s not my child.. 

In addition I have another Louisiana child support garnishment that is being taking from my pay check each cycle and it is the same matter, the payments are taken out and the child service department reports the payments as late and are ruining my credit. After taking the monies directly from the check. Louisiana Child support, Experian, XXXX and XXXX, have all taken part in a plan to handicap me financially. The FAIR CREDIT REPORTING ACT, clearly states that if a item is intentionally been reported incorrectly or if the information has been reported incorrectly, that it must be removed and never reported on the credit file again. This is a clear cut case of child support showing on a credit file for a child that is not my child and child support payments, not being reported correct and showing as non payments being made, after the monies are garnished from my payroll check.
Consumer complaint received 2022-02-18
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. (NY)

On XX/XX/2021 Chase closed my Freedom Unlimited Account ending in : XXXX with no consent or authorization. They then provided me with an automated response that was unclear. In the response provided below Chase stated that my accounts were closed for two reasons that were not specific or clear. Chase then stated " Our decision was based in whole or in part from the consumer reporting agency listed below '' which was XXXX. Then on the very next sentence stated " The consumer reporting agency played no part in their decision '' That statement is a clear contradiction. Chase has discriminated against me under the Equal Credit Opportunity Act and has used unfair practices against me. 

I have contacted Chase numerous times only to get laughed at and disregarded by agents like XXXX a XXXX XXXX who told me that he doesn't need to follow any federal laws because he was in charge. I then informed XXXX of the fact that I am a consumer 15 USC 1692a ( 3 ) and that I am aware of the fact that I am the original creditor and the account belongs to me not Chase as this was an accepted Credit card 15 USC 1693a ( 1 ) held at the federal reserve 15 USC 1693a ( 2 ) ( 4 ), I then informed Chase that they had created an unauthorized transaction 15 USC 1693a ( 12 ) as closure of my account without my consent was a violation as I receive no benefit from such action. 

As the person who extended the credit to Chase I am hurt and distraught at the fact that they would abuse me this way. I can't believe the level of unprofessionalism and their clear disregard of the law. I have been suffering and struggling to eat and take care of myself as I relied on my credit to obtain personal and household services. 

Chase had committed an unauthorized use of my account 15 USC 1693a ( 12 ) and has defrauded me.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXXXXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (PA)

I had approximately XXXX $ ish in my Simple bank account before they " dissolved '' into XXXX. I haven't been able to check my balance because my account no longer exists, and my card has been declined everywhere. even in ATMs. For XXXX to do this on a XXXX is absolutely criminal. as well as hanging up on people trying to get information about their accounts. They've had MONTHS to prepare for this. they announced it back in XXXX. I don't have any money anymore.
Consumer complaint received 2024-05-10
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: Experian Information Solutions Inc. (NC)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of this information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing mention below : XXXX XXXX. 

I assume XXXX  days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting this account as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Consumer complaint received 2019-11-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (CA)

I attempted to payoff my loan online as that is how I obtained it in the first place. I was not able to do so and instead was directed to contact the lender another way. I submitted a request immediately and did not receive a response until today. I am attaching the response as a pdf for review. I believe the tone and substance of the response speaks for itself.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (VA)

I am working on fixing my credit and a collection item from XXXX XXXX XXXX was on there that I could not recall what this was. I filed a dispute with them and per their investigation it was a bill from XX/XX/XXXX.  I received a letter back on XX/XX/XXXX that said I had until XX/XX/XXXX to contact the number regarding it or collections would continue. So I called because at this point I am trying to get my credit clear for certain reasons and I was going to settle with them, however they said they didn't have it and sent me to ERC collections. I called both of them on XX/XX/XXXX, I believe or maybe it was on XX/XX/XXXX, the deadline. When I got to ERC, they stated they didn't have the debt and XXXX XXXX XXXX took it back on XX/XX/XXXX. Now here I am trying to get this cleared and nobody can help me. The " alleged '' debt is from XX/XX/XXXX, which we are in XX/XX/XXXX, which seems like that is also past its time. I want to get this cleared and removed off my credit yet I am stuck. I did exactly as requested to no avail.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out on several occasions to XXXX because the website they offer for a monthly fee tells me that I cant see my most recent scores from XXXX or Transunion. I have followed the prompt and reached out to both XXXX and Transunion to fix the supposed issue of them having information that doesn't match that of XXXX. They verified that everything I have on their files match each other. But for months now I haven't been able to see neither the XXXX nor the Transunion score or report sine XXXX of XXXX.
Consumer complaint received 2020-07-28
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. (CA)

There are multiple hard inquires on my experian report that show I tried applying for certain credit cards that I did not do. 

XXXX. XXXX XXXX -- - Inquired on XX/XX/2020 XXXX. XXXX XXXX -- Inquired on XX/XX/2020 XXXX. XXXX XXXX -- - Inquired on XX/XX/2020 XXXX. XXXX XXXX XXXXXXXX -- - Inquired on XX/XX/2020
Consumer complaint received 2022-02-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This complaint is specifically based on Capital One Auto Finance department 's incompetence and shear disregard for helping a mother of soon-to-be 3 obtain the vehicle 's paper title. My husband and I purchased a vehicle this past year in the state of XXXX We relocated to XXXX for work in order to be near family. We have XXXX XXXX children with our XXXX  child arriving this XXXX, XXXX willing. To register the vehicle in XXXX a paper title must be obtained. Capital One Auto was notified of this prior to this past XXXX ( XX/XX/2021 ), for which they then sent their formal request to the XXXX DMV a week later I'm told. We are still awaiting the paper title and thus have remained unable to drive the vehicle that remains being financed through Capital One and paying insurance on. There have been now over half of dozen phone calls into Capital One, sadly unable to reach a representative who provides help in any positive manner. These actions, rather lack thereof, are despicable. As we've researched and now have seen numerous other complaints from customers filed against Capital One for this exact reason, we are being forced to hire legal counsel for any hope of resolution sooner than later.
Consumer complaint received 2021-05-27
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. (TX)

XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, Iowa XXXX RE : My Experian XX/XX/2021 email ( attached ). 

I need help or please point me in the right direction of who can help me. 

I received the above dated Experian email a second time about my Identity Theft Police Report. Experian states the Police Report has deficiencies because, The report does not reference identity theft, and does not meet the guidelines per the Federal Fair Credit Reporting Act. 

I have twice gone to the XXXX Police Department ( the city where I live ). The detective involved in my case, Detective XXXX XXXX phone number ( XXXX ) XXXX, has also told me twice that Identity Theft is listed as a State of Texas Offense as Statue 32.51 ( c ) ( 1 ) with the Statue Description of FRAUD USE/POSS OF IDENTIFYING INFO. 

Please note that on the first page of the police report it mentions, FRAUD USE/POSS OF IDENTIYFYING INFO. So, someone fraudulently used and was in possession of my identifying information. I hope this means that it is Identity Theft. I will highlight the area. 

On page two of this police report, it describes that this crime took place in cyberspace. I will highlight this area. 

Likewise, on pages three and four of the police report it describes that my information to open the accounts was Stolen. I will highlight these areas, to help. 

Is this enough information on this police report to meet the guidelines established by the federal Fair Trade Credit Report Act? Please let me know, if this wording in the police report, FRAUD USE/POSS OF IDENTIYFYING INFO is not enough to meet the requirements that the police report, does not refence identity theft. I hope it does.

If it does, please somehow let Experian know that the wording, FRAUD USE/POSS OF IDENTIYFYING INFO, involves Identity Theft. 

Also, I have tried unsuccessfully to dispute the following Experian reported fraudulent accounts that were opened without my consent or knowledge : 1. XXXX XXXX XXXX Account Number XXXX 2. XXXX XXXX Bank Account Number XXXX Additionally, I am enclosing my filed Identity Theft ( Fraud ) Police Report from the XXXX, Texas Department of Public Safety that describes how my personal information was stolen, accounts/credit cards were opened in my name, and those accounts were fraudulently used. 

I am enclosing my completed XXXX  Identity Theft Victim Assistance Affidavit. Please note the same officer, Detective XXXX XXXX, is the same officer that has signed the Affidavit. 

When you can, please ask Experian  to accept my Police Report and remove the above fraudulent accounts from my Experian  Credit Report. 

You may contact me at ( XXXX ) XXXX, if further information is needed. 

Sincerely, XXXX XXXX XXXX SS : XXXX
Consumer complaint received 2020-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I was notified by a third party ( XXXX XXXX ) whom received a phone call from XXXX XXXX Credit Card by Chase bank, that my credit-card was 6 months past due on payment. 

I immediately called the company and explained that the account was closed in XXXX, XXXX. They said they had no record of that and that they allowed reoccurring payments to proceed. They stated that after no payments from me, XXXX XXXX, that they closed the account and reported it as non payment. 

Never once was I notified that this card was past due, as it was clear that the account was terminated. I was further advised that if I payed the account in full, they waived all the fees, that they would notify the credit bureau of their mistake. This did not happen, once I made the payment, they immediately transferred me and I was advised there is nothing they can do for me. I have never had something like this happen, you can see all my past history. 

Additionally, we NEVER received ONE email, text or correspondence from this company. The agent on the phone advised me that they have no legal requirement to call me or notify me. 

We tried settling the issue professionally with Chase, but they lied and stated that if I paid them, they would fix it. The bottom line, I respectfully request that this false and erroneous non payment be removed from my record ; as Chase did absolutely nothing to help with the situation nor attempt to notify me regarding this matter besides today, XX/XX/XXXX. 

Thank you for your time and consideration. Please feel free to contact me anytime regarding this matter at XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-03-22
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. (UT)

XXXX XXXX is currently updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014 and they are still currently reporting and affecting my credit. This is a clear violation of the Bankruptcy Law Act. This account needs to be removed.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (IL)

I have received several written " Demand for Payment '' from XXXX XXXX XXXX beginning XX/XX/XXXX. Re :  Unpaid Toll Invoices from XXXX XXXX  XXXX XXXX. The amounts are always different from $ 250- {$300.00}. I live in another state far from Texas and called to report that this was mailed to the wrong person. I was told the toll balance was a total of {$1100.00}. I was advised to contact the DOT to make sure this vehicle was not registered in my name. The form has a license plate number, the DOT would only tell me the make of the car. I placed a fraud alert with the credit agencies, although I did not notice any suspicious activity. After I received another notice for payment of {$300.00}, I sent a certified letter on XX/XX/XXXX to XXXX XXXX XXXX, to notify them, they are trying to collect from the wrong person, and requesting proof of why they believe I am the person responsible for this debt. I received another notice on XX/XX/XXXX, called to find out if my letter was received and it was, I was told this was under investigation. Today XX/XX/XXXX, I have received yet another notice for {$270.00}, without any explanation. I have a very common name, never drove in Texas, and want these people to stop sending me collection notices.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX and XXXX XXXX bank ending in XXXX And trans union does what they tell them to do. Its a crime they should be fined and jailed Also XXXX and XXXX 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 2019-03-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I opened a student loan with XXXX XXXX XXXX in XXXX and in XX/XX/XXXX it was transferred to another company. The loan with XXXX XXXX XXXX was closed after the transfer. I have not made a payment to this account since then, nor am I required to, since this account number has been closed for 7 years. 
For the record, I am current on my student loans. 

I was recently applying for credit when I was notified that I had fallen behind on this loan. When I checked my credit report on XXXX XXXX, I discovered that in XX/XX/XXXX this account was reported XXXX days past due. Then again in XX/XX/XXXX thru XX/XX/XXXX this account was reported late to the credit reporting agencies for a total of 5 months late. 

I filed a dispute with Equifax in XX/XX/XXXX. After an investigation, the negative information came back unchanged. In fact, they added XXXX more months of late payments. The report now reflected late payments in XX/XX/XXXX and from XX/XX/XXXX thru XX/XX/XXXX for a total of 11 months late. 

Again this account was closed and transferred in XXXX. I have not made a payment since. How is it that 4 years after the account is closed, the company reported my loan as late for 11 months and then stops reporting it late? Also, after an investigation by Equifax, how can the company verify this information as accurate and add negative information instead of removing it?
Consumer complaint received 2019-03-22
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. (NC)

I filed a dispute with the credit bureau in regards to the account status and history as the bureau reports the account late and past due the bureau said they investigated and the information is correct refusing to revisit the item ... .the credit bureau is incorrect I have attached a letter from the creditor which confirms the account is in fact current Account Name XXXX XXXX XXXX Account number XXXX Please see attached proof and update file accordingly