davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-06
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)

I do not owe there shouldn't be a collection i paid my bill with XXXX XXXX XXXX in full, it was equipment that was turned in a day late XXXX pardoned me and there shouldn't be a debt here is the report # XXXX XXXX XXXX XXXX gave me for this account for a follow up XXXX XXXX XXXX told me to call them in 7 days to make sure it was resolved they had no information for this collection. I have a new account with XXXX XXXX XXXX account # XXXX its not late. I think whats happening is these two accounts are being mixed up it looks like my recent account that i have now is in collection when it shouldnt be i'm sending the proof of my recent bill total owing {$64.00} which i already paid. and the old account # XXXX is on there for equipment returned a day late it wasn't put on file right away so it looks like i never returned it which i did. i can't find the confirmaition, XXXX will have to find it yet XXXX XXXX XXXX say there isn't an old account anymore. The collection agency has new account mixed up with old account closed. New account is not late at all. XXXX had no recolection of any information for me. not in collections. I need this removed immediately. im sending proof. the agency is reporting recent no wonder my credit score never goes up only down with a derogotory mark please have this removed its all wrong. im so stressed out about this. i couldn't get an auto loan and a homeloan. ive had so many im sorry we can not give you credit at this time so many. for a mixed up simple human error. Im so XXXX.
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MN)

I was notified in XXXX of XXXX that Cavalry had purchased a debt from XXXX and claimed I owed {$5900.00} and began reporting a collection to all three credit bureaus. The original debt is from XX/XX/XXXX. I disputed the debt and Cavalry has not provided adequate documentation showing that the debt is valid or belongs to me. Cavalry is also reporting false and inaccurate information regarding the age of the debt. As I do not believe that this debt is not valid, I have requested to have the matter be settled via arbitration and have served both Cavalry and their law firm with a demand for arbitration. Cavalry has not responded to the arbitration demand and continues attempts to collect the debt in violation of the FDCPA.
Consumer complaint received 2020-08-03
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX Auto Loan ) 2- XXXX XXXX ( Credit Card )
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

Im responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX XXXX Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

hi we have been american express customers since XX/XX/XXXX having owned a centurion, platinum, gold, blue business plus, business platinum, simply cash and business gold i was an amazing customer never made a late payment always paid in full spent about XXXX XXXX dollars a year! i truly loved my cards and amex!! but now i am mad at amex they cancelled all my business and personal cards without notifying me .... they blaimed it on the bankruptcy basically, one of our old companies that we used to do business with, filed chapter XXXX bankruptcy under its tax id i have a perfect almost 800 credit score as i did not file bankrupcy and even thought the company we have not done business with for many years, went bankrupt they went and cancelled all my cards even my personal centurion   and platinum and gold,,,,, i am horrified at them i think everyone has american express cards should cancel them and run away as fast they can and go to XXXX XXXX or XXXX  i have other cards like XXXX  XXXX and XXXX and they ofcourse did not cancel any of my cards only amex can do such a terrible thing not only that it gets even worse can you imagine they refuse to refund any annual fees i just paid or even the {$7500.00} initiation fee i spent to open the centurion card that is true stealing its like buying something and not receiving it and then the seller refused to refund you complete robbery ... and this is american express run fast lets see what american express will do on my behalf and if they WILL refund any fees will keep you all posted on what happens
Consumer complaint received 2023-07-17
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. (MO)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2018-02-22
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. (IL)

As of XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX PUBLIC FILINGS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Bayview had foreclosed on my home with forged and altered document and now have my house waiting to put up for sale, for the judge granted a final judgment on the plaintiff behalf, but refuses evidentiary hearing on how the plaintiff come about the assignment mortgage, back dating of false document, note without alonge, not chain of title.Debt Validation Letter, no response, and XXXX no response, enclosed with documents to support my claim. 
And XXXX XXXX XXXX who is authorized to give me a grant XXXX but instead a loan which they are not authorized but they did it anyway. 
So, my purpose is to let the CFPB know that I wants to have an Administrative Proceeding.
Consumer complaint received 2021-08-18
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. (AL)

My personal information has been used to fraudulently open personal loans and credit cards without my knowledge. These companies use soft pull to check for mortgages on your credit. I never had a mortgage before. Me and my father share the same exact name and Im a XXXXXXXX
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have on my credit report old public record Bankruptcy : Discharged XXXX Filing Date XX/XX/2011 XX/XX/2011 Amount {$0.00} Reference Number XXXX XXXX
Consumer complaint received 2023-07-05
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. (NV)

I called your department after I purchased a credit report with XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. 
These are disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collections that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off and collection account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: La Casa Bonita Investments (AZ)

I was contacted by 1file.org to consolidate my student loans and pay {$30.00} a month for 10 years and they would be all paid off. I was then contacted by XXXX XXXX ( US dept of education, ) that I was most likely scammed and that they have not been receiving payments for my loan by 1file.org.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (DC)

I did not authorize this inquiry. 
The below inquiry on my credit report is fraudulent and should be removed by this establishment. I never knew this was on my credit report and as it shows it should have been removed already. 


CBNA/ XXXX XXXX XXXX XX/XX/XXXX INQUIRY XX/XX/XXXX INQUIRY REMOVAL DATE Bank Credit Cards XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX
Consumer complaint received 2021-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

The following account is reporting on my credit report. I've requested numerous of times to provide validation from this collection company. This collection company has not provided me with any contract agreements towards this. I've been back and forward for over 1 year. This account was removed from my XXXX / XXXX Report.
Consumer complaint received 2020-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Dear CFPB, Once again I attempted to resolve a severe case of Fraud affecting my entire life with Capital One. 

I am a documented victim of faith, and the CFPB is required to protect consumers from the companies such as the Capital One who are violating the he Fair Credit Reporting Act ( FCRA ). Yet the CFPB has refused to take any action against Capital One for their clear and blatant refusal to follow the law ; the law the CFPB was founded to enforce. 

Around the XXXX of XXXX of 2020 I once again contacted Capital One concerning the fraudulent account they have in my name. At first a representative stated something about the dispute being closed due to " pictures being found ''. When I had the representative transfer myself to the department who could supposedly tell me more about those pictures the representative from said department XXXX XXXX XXXX changed the story refusing to address any mention of such pictures. 

She would then claim, lying, that Capital One has repeated refused to address this fraud because we had " never sent in a police report '', and if we sent one in it would be resolved. This is a lie, for the CFPB 's records has clear and undeniable evidence that I have submitted such police reports multiple times. Again, the CFPB has clear and undeniable evidence that Capital One is knowingly violating the FCRA in it's own records. 

I relented and allowed XXXX to once again send me a Capital One secured-link to reupload the police report. XXXX of Capital One 's Fraud Department who is assigned to handle such cases gave me a clear time frame to upload said documents. I informed her I would. However, I just received a letter signed by XXXX dated XX/XX/XXXX stating she " found no evidence of fraud '' and therefore the continued hindering of my and my daughter 's ability to have a home and improve my life will continue. It is clear XXXX and Capital One never had any intention of investigating anything as she never even looked at the evidence provided for she had never received it nor had she even thought to wait until the time frame had elapsed before ignoring the matter. 

There is no longer any doubt that Captial One is violating the FCRA and consumers rights and I am certain you have plenty of cases of consumers who are being hurt by Capital One 's abusive. We demand to reached out by phone by the CFPB legal department to discuss this matter.
Consumer complaint received 2021-08-18
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 (MS)

I called Capital One XXXX  in order to have the two credit checks placed on my credit report removed. I was hung up on one time after being on hold for 25 mins. I called back to try and get the issue resolved and am still on hold. Recently my birth certificate was VA letter contain my SSN were stolen form my mailbox. I have made a police report and made a case with the FTC and FBI. Someone fraudulently had my credit report checked on XX/XX/XXXX and XXXX
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NH)

I applied on XX/XX/2019 for a XXXX Chase credit card to receive a {$200.00} credit on my XXXX flight to XXXX for my nephew 's wedding. I understood there would be an annual fee as well of {$69.00}, so the net savings was about {$130.00}. 

Instead when I applied and approved -no credit card information was provided at the end of the transaction. I had to wait for the hard copy, relocate the offer and book my flight. 

At the end of the transaction the web page did not display the {$200.00}. savings. I called XXXX and was assured it would be credited after I made any purchase " even a cup of coffee '' on the card. I never got credit on my Chase statement after spending {$900.00}. on the account, so I contacted Chase directly. I spoke to two customer service reps who told me they couldn't help me or verify that there ever was an offer of {$200.00}. off at the time I applied for the card. I then spoke to a manager in the corporate office in XXXX Ohio, who told me I had signed up for XXXX bonus points not {$200.00}. off and to give me the {$200.00}. off would actually be a downgrade and she could not do that. 

I escalated the complaint to the owner of company in New York. Someone called me on around XX/XX/XXXX to tell me although she XXXX confirm that there was a {$200.00}. off offer in XXXX when I applied for the credit card account, that her position was that when I bought the ticket it was on a URL for XXXX bonus points. So the fact that I applied and opened the card on the {$200.00}. off page and experienced web issues that prevented me from booking the flight that day, was nothing she could do anything about. 

I have my entire browsing history saved. A XXXX search showed similiar bait and switch situations related to JP Morgan Chase Credit Card Services and XXXX flights. JP Morgan Chase accepted no responsibility for their failure to issue a temporary credit card number so I could book the flight that same day. 

I therefore incurred a {$69.00} annual fee for a card that achieved nothing for me when the objective was to get {$200.00} off my flight to XXXX. As I pointed out to the last representative on XXXX XXXX or thereabouts, this is preying on people in tight financial situations and then switching the offer and proffitting from it by this practice. 

I have used other cards tied to airlines and the process is seamless. You apply, you get approved, you get your $ off with little or no wait. 

I don't expect JP Morgan to make this right at this pint, but I want to make your agency aware of this very shady practice to protect others.
Consumer complaint received 2019-01-06
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: Experian Information Solutions Inc. (TN)

XX/XX/XXXX, a series on letters to Experian Credit reporting agency to correct inaccurate information was submitted in writing to provided address. As XX/XX/XXXX, Information has not been corrected. Have filed online disputes and have tried to call for an in person effort to correct the problems, but inaccurate information still remains. 
I have tried diligently to repair credit and correct information as to show positive steps in securing better scores for the future.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, 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 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have called Equifax several times to resolve this problem. I had collections from XXXX XXXX XXXX  ( XXXX XXXX ) I set up a payment and I paid the remaining amount on XX/XX/2019. They reported it to all the credit reporting agencies. The only one that is still showing I stillI have 3 collections on my report is Equifax. I opened a dispute and I am not getting anywhere with them. They just keep giving me the run around. Today they said the system was updating and I would have to call back in about an hour. Which I had already was on the phone over 30 minutes. This is effecting my credit score. They have worst customer service.