davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Chase Credit Card Services for card XXXX. Chase was advised I would leave for XXXX they told me I did not need to notify in XX/XX/XXXX. Chase decided to close my credit card without any type of notification in XX/XX/XXXX without any letters, email or any other communication. Credit card company lied on the phone on a recorded line that they mailed notice. I have reports from the scanning service from the United States Postal Service ( Federal Service ) that this is a lie an no such notice came. They confirmed address was correct on file on the XXXX XXXX address in XXXX, California. This mail service notifies me of everything immediately. Chase proceeded to commit a financial crime. Under federal law a credit card company must retain financial documents for 7 years. Chase proceeded to wipe my login information, suspend all information on card and wiped all transaction history, statements, and tax records. Even if a card is closed by the company which is already unethical how it was done financial records need to remain active. I have contacted many people in regards to this situation and I was hung up on and told me they would not help me. Furthermore, games are occurring with the Executive service. I have expressed to them that I am currently being subpoena for financial records from my ex spouse. I informed them that they are causing me to have sanctions placed on me because of this idiotic incompetence they are playing at when the law is on my side they must release my transaction records when the card was active plus all tax records. They refused and have taken their time on the issues. This is a XXXX XXXXXXXX dollar terrorist company that believes it is above the law, does whatever it wants and continues to hurt consumers and getting bailed out by tax funds and at the same time commits financial crimes against its own customers. This company will do whatever it wants whenever it wants due to lack of enforcement of regulations.
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : XXXX XXXX Bankruptcy / XXXX / {$0.00}
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I receive a pre approval credit card offer for {$12000.00} from penfed. I applied and was declined due to many accounts open in a short period of time. Which is fairly false and requested to have my application reviewed and reconsidered. They lady I spoke to advised I had to send a hand written letter which makes zero sense. Please review my application and reconsider my application. XXXX ID : XXXX
Consumer complaint received 2022-04-12
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions IdentityTheft Affidavit . 
Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions IdentityTheft Affidavit . 
Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (CA)

I contacted Experian with regards to the collection account XXXX XXXX XXXX I requested Experian provide me with the documentation ( Signed XXXX form ) that was sent to them ( Experian ) in order to verify the accuracy of this medical collection. Experian responded with a generic letter stating this account was verified as accurate. I advised Experian that I did NOT sign a XXXX Release Form so I am sure they did not verify this medical collection. Without verifying this collection they are reporting in accurate information. If they believe they did verify this collection as accurate then please send a copy of the signed XXXX release. 
As of today I have not received a copy of the signed XXXX release but Experian still continues to report this collection on my account.
Consumer complaint received 2022-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NC)

In mid XX/XX/2021 I received a letter in the mail from Aidvantage saying I had a great opportunity through some government program that I have the possibility of having my student loans forgiven or reduced. I called the number and started the whole process. I sent in documents, paid them {$800.00} to consolidate my XXXX or XXXX loans into XXXX loans. They said this would greatly reduce my monthly payments. I gave them permission to auto draft my monthly payments once the pause on student loans were lifted. They began pulling {$40.00} a month ( that was agreed apon based on my income ) in XXXX. I thought this was odd since the pause on student loan payments had been extended. I decided to keep going with the payments thinking that I may as well get a head start on these payments since there will be no interest until the payments are unpaused. Around XXXX was when I started getting phone calls from another document prep agency that also works with Aidvantage saying that I still had stuff incomplete. I call them and they start going through the whole process again. I tell them that I already paid {$800.00} to consolidate my loans and that {$40.00} a month has been taken from my bank account for my student loans. They tell me they have no evidence of this occurring. They told me to call who I dealt with before, but I either keep getting a busy dial tone or a disconnected line, or I have to leave a voicemail. I have been trying to get in contact with the people who can help me figure this out to no avail.
Consumer complaint received 2022-04-12
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)

FRCA XXXX XXXX XXXX XXXX XXXX TEXAS XXXX EMPLOYEES XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-10-16
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. (CA)

my XXXX account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments
Consumer complaint received 2022-04-12
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 (NY)

LexisNexis refused to accept my proper method of identification I have submitted. This is XXXX XXXX. This is a statement verifying my identity along with my proper identification. I would like to receive correspondence at the address XXXX XXXX XXXX, XXXX NY XXXX listed on my ID. Any future correspondence from this day forward is from me.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card with CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I Have a mortgage with OCWEN Financial Corp and my property taxes is included in the payement. I also pay an extra {$20.00} per month to be safe. Every year I receive a bill that my escrow account for taxes is short and I have to send an additional {$270.00} ( more or less ) to make up the arrears. My mortgage payment also goes up despite have a fixed rate. How can that be. I have contacted them numerous times for the accounting and have gotten no help. Last year I misread the statement because the mortgage changes so much and paid my mortgage the normal amount and did n't catch that it had increased by {$200.00}. I paid on time and they cashed the check. OCWEN still reported me to the credit bureau 30 days late.
Consumer complaint received 2023-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Removal of collection account - XXXX I am sending this letter in reference to a collection account listed on my consumer credit report. The referenced above account is not my account- I have no knowledge of this account. Furthermore, this account is a result of identity theft. Please review your files and deleted immediately. 

As per my consumer credit report the Date THIS COLLECTION WAS Opened- is LISTED AS XX/XX/2023. 
As per my consumer credit report the Original Creditor appears to be ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account number : XXXX I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act - I am disputing this fraudulent collection account. I am NOT requesting verication or validation but I am requesting for deletion as this account is a result of identity theft. 

If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my consumer credit reports. Also, all future attempts to collect this debt must stop. 

XXXX XXXX
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, my XXXX  charged our credit card for some car parts from XXXX ( It was a charge of {$560.00} ). He told me about it, so once the charge was made and processed, I went ahead and started a My Chase Plan on it. After I began the plan, I realized that the XXXX charge was entirely refunded to us on the card ( my XXXX  didn't communicate this with me, and I didn't think to look for a refund on this amount on our card ). I called Chase on XX/XX/year>, to let them know that I had accidentally started the plan and I wanted to cancel it. The person over the phone told me that once the plan was processed, that it would recognize the refund and take care of itself. Since they told me this, I didn't think to follow-up on it until I noticed that the plan was still active later on. I called Chase back on XX/XX/year>, and explained the situation to them and asked them if they could cancel the plan. Their response was that once the plan is activated, they generally could not cancel it. The representative that I talked to that day said he would try to escalate it and see if their team could do anything about it. I asked him if they would be sending me a confirmation email once it gets processed and he said they don't do that and that if changes are made, that it would reflect on the card. He advised me to call back after XXXX business days if I didn't see a change on my account. During the time, I had a medical event I was dealing with and wasn't able to follow-up after XXXX business days, so I finally called back on XX/XX/year>. On that day, I was told that they had no record of my request on XX/XX/year>, and that they would try to escalate the issue for resolution [ again ] and to contact them in XXXX business days if I didn't see a change. On XX/XX/XXXX, I received a letter stating that they couldn't cancel the plan, so I decided to call them back that day. When I got a representative on the phone, the person stated that they could not cancel the plan anymore and that if I had called in earlier when the plan was activated ( which I did ), that they might have been able to do something. I asked to speak to a XXXX so they could explain to me why I had to pay an amount on this plan that had already been refunded. When I talked to the XXXX, she explained to me that the amount that was refunded was credited to a different MY Chase Plan I have active and that I wasn't really paying that amount. I understood that, but I asked her about the fees the plan is charging on a monthly basis. She explained that since the plan could not be cancelled, they couldn't do anything about reversing and/or stopping the fees that are being charged. I really don't think this is fair, considering that now I'm paying fees for an amount that was originally refunded.
Consumer complaint received 2023-09-09
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: ENOVA INTERNATIONAL, INC. (NJ)

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. 
The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
Consumer complaint received 2022-04-10
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: EQUIFAX, INC. (AL)

Im sending this complaint on behalf of myself and not a third part as you have suggested from the past. I'm a victim of identity theft and this has been going on way too long I'm tired of these reporting agencies playing games.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On XX/XX/year>, I sent a l compliant through CFPB about the unauthorized credit inquiries that Equifax is reporting on my credit report. Because every time I mail in a letter Equifax sends a letter back saying I need to prove my residence and identity. Equifax responded to the CFPB complaint on XX/XX/year>, with an explanation saying that the inquiries were verified. On XX/XX/year>, I mailed a letter to Equifax requesting a reinvestigate and Method of Verification or delete disputed items from my credit report. Equifax mailed another letter saying I need to mail in proof of residence and identity, which I have sent, and I always send. As of this date, Equifax have failed to respond to my request. 
The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation. They have not followed the stipulations of the law.
Consumer complaint received 2022-01-30
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. (AL)

The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/2020. The accounts are paid off and they are closed, resulting in an inaccurate credit report.