davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
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. (IN)

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-07-07
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. (MI)

Information being reported is incorrect. Show account as being paid settlement less than balance owed, when in fact account is/had been paid in full. This dispute has been going on since XXXX. 
Incorrect information needs to be deleted at this point.
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY (OH)

As I viewed my credit report, I noticed an unknown credit card account that does not belong to me. So I called the credit card company to clarify the situation and to resolve the issue. The company could not find any record of me having an account with them, however, they continue to lodge a negative item on my XXXX report.
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (PA)

My husband and I moved to XXXX XXXX XXXX. Since then I have been trying to register my car in the state of XXXX from XXXX Chase bank has been going back ad fourth with us for over year about where the title for my car is. I have never missed a loan payment. I figured a title request for a state transfer would be easy. My husband and have both called the bank close to two dozen time. Now we are told the bank got the title with the wrong name on it. Bottom line is, it took so long that the XXXX registration has expired. Without the title I can not register my car. I have to keep insurance on the car I can not drive. My husband and I both work full time jobs. We need both cars. Chase has 0 solutions other than wait it out.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MD)

XX/XX/2021 Keep receiving this message with pre-qualification over and over again. My former account is paid in full and closed at my request when I lost my wallet. I advised the team at that time my bank account and all cards associated with me were closed as a precaution with new ones having been issued. 

My online portal was locked by your team during such time with card disabled. Your team advised auto-pay was still connected I advised to remove clearly and was told that no changes could be made by discover on behalf of the customer this would have to process several times and once the payments came back unpaid a number of times the feature would be disabled. 

The bank account was said to be pending closure for 30 days each time a transaction presented it kept the account for finalizing it's complete closure further delaying the process. I. have spoken with countless representatives at Discover all of with whom states they submitted for the card to be removed from revoked status given the circumstance they see it is paid off and there are countless notes on file advising the same. 

There are people with charged off accounts for thousands and you reissue I'm having to jump through hoops for a card I lost and requested closed at my request and that has a XXXX {$0.00} BALANCE? Unheard of. 

If this is not rectified expediently and this hold is not removed I intend to exhaust every legal remedy available as it is not accurate and differs from what countless correspondences with your team have stated. 
-- -- -- -- copy of your blacklisted email Thank you for your interest in Discover. Unfortunately, at this time we are not able to provide you an offer due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT Rest assured, your request did not impact your credit score. In fact, you can easily keep track of your XXXX Credit Score for free and learn more about what affects your credit at Discover.com/Credit-Scorecard. 

You can submit another request eight days from the date of this letter. 

Sincerely, Discover Credit Operations Team XXXX Reference Number XXXX XXXX Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. 

You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.
Consumer complaint received 2019-08-01
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: FAIR COLLECTIONS & OUTSOURCING, INC. (LA)

Upon pulling my credit reports, I noticed a company, Fair Collections and Outsourcing, placed an account in the amount of {$3100.00}. I disputed this information as I thought it was inaccurate. After receiving the validation the sent. I reached out again to inform them that this was not my account. The company never responded and the validation didn't have any proof of signature or identification that matched mine. I'm unclear if it is a company mistake. I believe this is identity theft and would like this promptly removed from my credit files. This account is hindering my credit health.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. 
I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted. The apartments filed three judgments against me with the XXXX XXXX Magistrate Court. The leasing manager, XXXX XXXX, drafted and filed a letter with the Court showing that all judgments were satisfied. However, I have attempted to apply for a rental home and apartment and the judgment remains on my public record : XXXX XXXX. XXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. I called the magistrate court and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of XXXX 

XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX. Phone : XXXX. 

Every third party the apartment or property management company for a rental home is denying me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX Magistrate Court, or XXXX XXXX XXXX should resolve this matter. I checked XXXX, Equifax, and XXXX, and the judgment is not listed on it. This must be on a third-party tenant database.
Consumer complaint received 2017-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CT)

I bought furniture from XXXX XXXX XXXX.lady working there told me that i can get finance without any interest so i signed up for it.lady did not tell me that i have to pay within a year.i signed agreement without reading condition.i did auto payment for it so i do not have to worry monthly payment.At the end of one year wells Fargo sent me a invoice and they charged me XXXX interest charge .when i contacted they told me that i had to pay withing year otherwise they charge me interest for entire amount which they finance.i asked them if i had to pay within year why they allow me to do automatic minimum payment.they said i signed up for it and i signed agreement.This case is confusing and misleading advertising. date of purchase-XXXX
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX # XXXX ****, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Am in desperate need of help Ive been banking with XXXX for 9 years now. I work very hard to make my money the correct way. I made the mistake of trusting someone close to me. I know this person since I was a child, he knows everything about me. He got a hold of my card and deposited checks because he knew my information. I honestly was working this day and had no clue what was going on. I went to XXXX and explained but they claim since the person knew my information theres nothing they can do and that my account will be closed. Mistakes happen all the time what about how long Ive been banking with you guys that does not count? How I never committed anything wrong, not only am I not allow to get a chance but I cant open with no other bank! XXXX has me as fraud this is not fair. It has me depressed please me or give me another chance. Ive been to every bank and they all tell me XXXX has me on fraudulent therefore I cant bank with them. Please I am begging for some help it really was not me!
Consumer complaint received 2022-09-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-06
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: Avant Holding Company, Inc. (FL)

I noticed my card being used and reported it stolen. The transactions were not line. When I reported it stolen, the rep told me I would have to call back in the morning to process my fraud claim. This occurred on XX/XX/02. I have called everyday since and waited for over three hours on hold each day without speaking with anyone. I emailed the company and they instructed me to call again. I need to have someone call me right away. I should not have to pay for something I did not purchase.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act, the following XXXX Account has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When i went to get a car they pulled up my credit report and i said all these fraudulent accounts and all these inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2022-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

They have been receiving payments from XXXX XXXX XXXX XXXX and have not been applying payments. I have check numbers from haf and dates when they cleared and they still wont apply payments and just hit my credit score with a delinquent charge took a hit for XXXX points
Consumer complaint received 2022-07-06
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: Avant Holding Company, Inc. (IL)

On XX/XX/XXXX, I logged into my avant- credit card website and noticed 2 charges that I didnt make made on XX/XX/XXXX. I havent used the card since XXXX. At XXXX on XX/XX/XXXX, I attempted to contact the avant- credit card business and was told I had to be transferred to the fraud department l was on hold for over 3 hours with no one answering. I attempted to call the main number back and after the automated response was on hold for over 1 hour. I eventually hung up and tried again. I called another number and spoke with a customer service rep who promptly hung up on me. Throughout the XXXX XXXX  day, I attempted to contact the avant credit card company but to no avail. I have attempted to call the avant credit card company over 25 times and had no results or answers
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

I was notified of 2 hard inquiries on my credit report both dated XXXX XXXX that were not known about or authorized. Syncb/amazon and syncb/XXXX. I called the bank for both and they said they couldnt pull up anything on their end with my information.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX XX/XX/XXXX, I was awarded a judgement against USAA in the amount of {$5100.00} plus {$52.00} in filing fees, with interest from the judgement date, for monies fraudulently taken off my credit card, XXXX XXXX ( Virginia ) General District Court case number XXXX. I sent the judgement to USAA on XXXX XX/XX/XXXX and they received it on XXXX XX/XX/XXXX. USAA has failed to acknowledge or pay the judgement with associated interest. 

This judgement comes from filing three separate cases in court. The second made it to trial where USAA was represented by a lawyer who had the case dismissed based on the statute of limitations. As I was not privy to the statute, I could not properly respond. I researched the statutue, found that it had not expired, and subsequently refiled the case. 

The monies were fraudulently taken off my credit card in XXXX by my ex-wife while I was visiting my XXXX father. Tens of calls and letters were made and sent to USAA in an attempt to find out what had happened. In XX/XX/XXXX, USAA admitted they gave my ex-wife access to the account without my permission or consent, stating it was a " family matter. '' This is the second complaint I have made to the CFPB regarding USAA, the first was on XXXX Augusst XXXX, complaint number XXXX.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (FL)

LJ Ross has attempted to collect a debt even after receiving supporting documentation that the debt is not owed. 

The debt claimed was to XXXX XXXX, in the amount of {$100.00}. LJ Ross placed negative records with XXXX, XXXX, and XXXX. 

The reporting date was XX/XX/2019. 

I wish to pursue damages against LJ Ross and have the negative strikes removed.
Consumer complaint received 2019-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of Inquiry XX/XX/2018 I am in the process of purchasing a new home where I recently obtained a copy of my credit report. I noticed there are some inquires which I did not authorize. I contacted most of the companies directly, there was a lot, I am not sure where this is stemming from, and they educated me to contact the agency reporting the information as there was nothing they could do. I contacted the reporting agencies, I was advised to maintain a police report, I got a police report from my local police station ( The officer was a bit confused but provided the information nonetheless ). I contacted the agency reporting the information " Transunion '' again and was told to contact the company again. The following inquiries were not authorized by me and needs to be removed immediately. according to my records I have not provided the above accounts to obtain my credit report. If you have my signature in writing displaying where I did, please forward that information over to me. My mortgage lender also educated me to explain that I do not need ANY fraud alerts placed on my account as they will pull my credit periodically to verify information
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I contacted all three credit bureaus such as XXXX, Equifax, and XXXX XXXX in XXXX and XX/XX/XXXX regarding the account with XXXX XXXX XXXX  was opened fraudulent. XXXX XXXX is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. XXXX  XXXX XXXX ( XXXX ) XXXX {$1100.00}
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (SC)

in mid XXXX I enrolled with Chase Bank because of the {$220.00} promo, and the fact my grandkids loves XXXX. Florida may get a visit but XXXX sure wont because Chase and/or XXXX ran this promotion to receive a XXXX card and a promo of {$220.00} after 14 days of having this bank account, instead i was lied to and scammed into enrolling into a new account with XXXX Rewards and a Promotion for {$220.00}. I finally receive a the XXXX bank card but no promo ... Each time I call about the situation I'm given another excuse... Finally a month after my account being closed and reopened because of fraud, now I am told that I will not receive a promo because it wasn't entered in the system by a banker which is not my fault no that is their issue and it should have been honored if i was mislead misquoted then most banks would have honored the mistake but Chase XXXX Dollar Chase would not honor a {$220.00} promo that they created to SCAM people like me, who have grandkids and kids that love XXXX yet they are causing me to rethink everything about XXXX and Chase being they are partners if XXXX knows about the allows Chase To SCAM their customers then XXXX is just as guilty as chase because I opened up this account for the XXXX rewards and I have yet to receive the {$220.00} that was DISPLAYED ON THE WINDOW OF THE BANK. Which is now removed, but 10 min up the road in our downtown area a new chase was just built and what do I see in the window a {$220.00} promo offer for opening up a chase bank account... Either I did not receive my promo because of my complexion or because this scam was predesigned to control the kids minds then control the parents... .but I am owed XXXX $ for a promotion ... that chase and XXXX scammed me into leaving my 6 year account with XXXX just to leave my grandkids and myself MIA ... .Learning Lesson... But We Will Fight This through the until the end, and all of these companies will lie to you, with the truth in plain sight