davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Each month when attempting to make a payment, I am told that I must verify who I am by submitting a copy of my drivers license -- I am simply trying to log in and make a payment. THIS IS EVERY MONTH!! It is to the point that when I contact Capital One, they, too, are not able to access my account as well. I spend, at the minimum, 30 to 60 minutes each month just to log into my account which I still CAN NOT to pay. Please note that I am a stalking victim ( well documented to the FBI, DOJ, FCC and other agencies ) by Delaware State Police, Troop # XXXX and this credit card originates out of the state of Delaware. I am at the point that I do not want to pay the bill since I am not sure that the payment is being applied to the proper account when I am unable to log in to verify the transaction. This is illegal!!!
Consumer complaint received 2022-02-15
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. (TX)

For 5 years, Experian and XXXX XXXX XXXX XXXX have yet to give me a copy of the permissible permission used to access my credit report on XXXX.
Consumer complaint received 2020-12-16
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: TD BANK US HOLDING COMPANY (TX)

This company has the worst consumer service! 

First Target sent a letter to me on XX/XX/2020, and then reponed to the CFPB XXXX XXXX. XXXX on XX/XX/2020. 

On XX/XX/2020, I called target and asked for a fax number I spoke to XXXX and XXXX. The fax number I was giving XXXX. 

Today XX/XX/2020, Call XXXX XXXX XXXX to check on the fax that I sent. On XX/XX/XXXX, XXXX from fax number XXXX. I called got the first rep and the was transfer to XXXX ID XXXX. This is not a good representative for the XXXX XXXX. I would suggest that someone who has more authority look into this situation. This can not be how someone conducts business. All I wanted to do is check on the fax that I sent.
Consumer complaint received 2018-11-22
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: EQUIFAX, INC. (IL)

OnXX/XX/2018 I received my dispute results for a bankruptcy that did not belong on my credit report! The results proved me right as the Bankruptcy was deleted from my report. Here we are 5/6 months later and Equifax has added this account back to my report with no knowledge or justification as to why. UNDER FCRA THEY MUST NOTIFY ME five days before they add anything to my report after that item has been deleted. I received no such notice! I have attached the guidelines equifax have violated, please review all attached documents.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc (FL)

PayPal is nothing more than a criminal organization that rips people off on a daily basis. To be charged {$200.00} to RECEIVE a PayPal payment makes no sense at all. For {$200.00}, I would expect someone to hand deliver green cash to me by car from 50 miles away. It makes absolutely no sense.

There may not be anything more important to be active and VOTE about than this financial criminal activity. We all sit around on our non-political XXXX and let legislature get passed that allows this predatory activity to continue day after day. 
Say NO to PayPal! 
Write your congresspersons and INSIST that caps be put on these fees! 
Think about it. 
Receiving {$100.00} from a company costs the receiver around {$3.00}. Theres no way in XXXX receiving {$5000.00} should cost PayPal ONE CENT MORE. Its the same exact, automated process!! 
Few things in the world make me more angry.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I wrote a check on XXXX for {$1800.00} for my rent. It was stolen from the mailbox at my business boxes and altered and deposited to XXXX  XXXX XXXX for {$10000.00} and cleared my bank ( Chase Bank ) on XXXX. On XXXX I went to Chase Bank & filled out the declaration of Unauthorized Endorsement, then I went and filed a police report. 

As of today XXXX I still have not received my money back. I have sent Chase all of the documents that they have requested via fax because they say that is the only way I can send documents then it takes 48 hours to be uploaded to the system. They kept telling me they had not received my doc 's so I went to the bank and had them send over all of the documentation. Chase Bank has been a real headache thru this process, with today 's technology I should be able to email them while on the phone so they can tell me they received them
Consumer complaint received 2020-07-30
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. (MN)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX  XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (CT)

Sent a wire transfer from my discover bank to the closing company for real estate. Called discover and they said the wire is on the way and deducted from my account. Apparently its under federal reserve review. We are short on time and I didnt even know I was required verification. This was known to me after I had called discover bank..
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (DC)

in accordance with the Fair Credit Reporting act JPMCB CARD ACCOUNT # XXXX, / JPMCB CARD ACCOUNT # 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 2018-10-19
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. (GA)

What are these accounts doing on my credit report?? I filed a dispute with the credit bureaus but no word from them! I am so disgusted seeing all these errors messing up on my credit report..The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal ... 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
Consumer complaint received 2022-07-26
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: National Credit Systems,Inc. (TX)

National credit system has been on my credit for about 4 years now for {$8100.00}, from XX/XX/2018. Even after Ive told the companies countless times I have not ever stepped foot in The woods apartments in XXXX XXXX. Nor have I ever been to XXXX XXXX. I believe this to be a fraudulent account in collections on my account.
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (FL)

I just found out about this agency from an article in a realtor magazine. My issue happened ten months ago. I applied to refinance my mortgage with United Wholesale Mortgage. I found a local mortgage broker on their website. I contacted him and submitted the requested documents, after a time I was told I was approved but would have to pay for a new appraisal, which I did. After the appraisal was completed XXXX ordered the title work from the closing attorney and set a closing date. That day was on a Friday so on the preceding Monday I closed out a my line of credit in preparation. I spoke to the closing attorney to see if I needed to do anything else and was told no. A few days before closing the attorney said the mortgage company was not responding to her request. She informed me the loan would not close on Friday. On the following Monday she was able to contact someone who said the loan had not been approved. I contacted the company and said your underwriting department ordered title and set the closing date. How could this happen if I was not approved. I got a lot of double talk. I said someone will have to pay the attorney and was told it would not be them. I said I would take them to small claims court, they then agreed to pay the attorney, but said they would not reimburse me for the cost of the appraisal. I also lost my XXXX XXXX line of credit.
Consumer complaint received 2023-03-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2019-01-11
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. (IN)

The XXXX XXXX loan trade line on my Transunion credit report needs to be removed from my credit report. It is an illegal loan in the state that I reside in ( Indiana ). The XXXX   XXXX XXXX is not a licensed consumer loan, small loan, or payday loan lender thru the Indiana Department of Financial Institutions. Any loan that is originated in the state of Indiana without the proper Indiana loan license are to be considered null and void, and as a result, are uncollectable. 

I have attached the Cease and Desist Letter that the Indiana State of Indiana Department of Financial Institutions has posted on their public website XXXX. I have also attached the list of the 30 licensed small loan lenders for the state of Indiana that shows XXXX XXXX XXXX does not have a license to lend in Indiana. 
Please remove the trade line on my credit report from XXXX XXXX XXXX.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (SD)

I've had checking account with Chase Bank since 2020. My monthly deposits avg {$3500.00}. 
I also own few stocks products, and a savings account. Chase amasses great revenue and number of account open due its partnership with XXXX in 2020, which requires drivers open Chase checking to receive their earnings.

Chase has been changing their way to operate, although I was never communicated about these changes, nor receive a document with the new terms.

What changed : Chase is using negative sign in my savings account when the funds available is used to covered checking transactions - you can see the screenshot - instead of savings going to XXXX balance, Chase now use negative sign, such - {$25.00} if the {$25.00} were transferred to checking.

The call center is now located overseas, and my information such phone number and ssn everywhere now, with repeatedly scam texts received.

The overdraft fee frequency : Chase decided that no longer use {$50.00} cap to issue an Overdraft fee, and I have one single {$34.00} dollars overdraft fee for every {$5.00} charged : that is I have 3 x {$34.00} posted overnight for {$5.00}, {$6.00}, {$17.00} charges posted overnight over XXXX I had month Chase charged XXXX overdraft fees ( {$300.00} ) without using the proper procedure as described in the contract.

Good thing is that with that I wake up and look to another bank to join.
Consumer complaint received 2020-07-30
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)

I applied for a XXXX  credit card today XX/XX/20 and I was not approved ; I was told that the reason why I wasn't approved is because there are accounts in negative standing on my credit report. I looked through every account on my credit report and I saw four accounts that I never opened. The accounts are from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. None of the accounts that were opened with those companies in my name belong to me. I do not have any written/verbal contract with those companies nor did I allow anyone to open those accounts on my behalf. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards those accounts. I have already reported these unauthorized accounts to the police department as well as with the Consumer Financial Protection Bureau.
Consumer complaint received 2016-06-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I PURCHASED A CAR THRU XXXX XXXX XXXX IT USED SANTANDER CONSUMER USA TO FUND THE LOAN ... I HAVE BEEN CALLING THIS COMPANY FOR THE LAST 4 MONTHS INORDER, TO RECIEVE A CURRENT STATEMENT ON MY VECHILE LOAN ON A MALIBU CHEVY CLASSIC XXXX I BOUGHT THE CAR BACK IN XX/XX/XXXX STILL MAKING PAYMENTS.. MY ACCOUNT IS CURRENT AND NO FEES OWED ... THEY STILL KEEP LYING ABOUT MY MONTHLY STATEMENTS ..I HAVE TALKED TO MANAGERS.. ECT.. NO HELP I BELEIVE, I HAVE OVER PAID THIS CAR LOAN.. THE CAR SOLD FOR XXXX AND I AM STILL PAYING ... THEY '' SAY I NOW OWE XXXX '' BUT THEY WILL NOT SUBMIT AND CURRENT STATEMENT TO ME AND KEEP LYING SAYING THEY ALREADY SENT IT SINCE, XX/XX/XXXX ... AND I STILL HAVE NOT RECIEVED NOT ONE, COME ON ... THEY ARE RUDE AND MAKE YOU FEEL LIKE YOU ARE THE PROBLEM THAT NEEDS TO GO AWAY ...
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (IL)

On XX/XX/2021 a person on behalf of Mandarich Law Group , LLP taped a court summons to my door ( see uploaded videos dated XX/XX/XXXX ). On XX/XX/2021, the same company had a letter sent by certified mail without a signature requirement ( see uploaded video dated XX/XX/XXXX ). 

I was improperly served and do not owe the Mandarich Law Group money. Furthermore, any debt owed is being paid to the creditor who initially extended the debt. 

I have proof to payments to creditors that I am willing to share with CFPB upon request.
Consumer complaint received 2019-01-12
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I have contacted this company One Main Financial I received a notice back. That it has to be cause of my personal information. This can be fraud I have received several emails from this place. I even locked my credit report if this is not removed I will contact attorney about this situation. I will not be taken advantage of this need to be removed
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

this complaint is on Transunion and their unfair procedures that they hav been doing for months now on account XXXX XXXX XXXX XXXX XX/XX/2022 I sent Transunion a dispute based on the fact that transunion XXXX and equifax are all reporting a different running of reporting expiration period. by all 3 agencies reporting a different expiration date it is manipulating this account to be legally removed on 3 different dates. to my undestanding there is only one runnning of reporting expiration period under the FCRA 15 U.S.C 1681c ( c ) Running of Reporting Period.

transunion has sent me 2 different updated dispute results with two different dates but with the same file number. to my understanding if Transunion sent me two different dispute results then they completed two different investigations. if there were two different investigations then why are the file numbers the same? there is still inaccurate reporting on these results too. the estimated month and year this item will be removed still does not prove to be accurate when it comes to the payment history. the inconsistent information reporting is causing this account to be proven to be inaccurate and transunion keeps playing games. where are they getting this information from when I have never received correspondence from the creditor verifying they have disputed with the consumer reporting agencies based on my dispute. 

I took it upon myself to check all my transunion dispute results and I noticed that Transunion has been using the same file number since XX/XX/2022 when it comes to them sending me correspondences. this is not fair procedures that Transunion is committing against me. transunion is violating 15 U.S.C 1681 ( b ) Reasonable Procedure and also violating the respect for my right to privacy under 15 U.S.C 1681 ( a ) ( 4 ) I included copies of my reports they sent me. 

file number XXXX date issued XX/XX/2022 file number XXXX date issued XX/XX/2022 file number XXXX date issued XX/XX/2022 file number XXXX date issued XX/XX/2022
Consumer complaint received 2022-07-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I need a confirmation letter that the trust was closed. 

When I call I get no answer. 

here is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Was the trust was terminated in 2007? 

This bank won't respond to my letters or calls and created a cloud in court
Consumer complaint received 2022-07-26
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: CLGF Holdco 1, LLC (IL)

I have been watching my credit scores closely, and on XXXX found out someone fraudulently changed my address to an address in XXXX, XXXX, Which I live in Illinois and have most of my life, and charged a bunch of charges on my milestone Credit card account over {$1300.00} under my name. The reason I knew something was wrong was because my score was XXXX on XXXX and it dropped down to below 580 on XXXX. Also I had paid the account completely off in XX/XX/2022, so I knew something was really wrong. 
So I called the credit card people, and I have filed a Identity theft report with the FTC on XXXX. 
I need to put a fraud alert on my accounts and on my social security #. 


Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

Debt collection is trying to collect {$67.00} for my utilities of WiFi through XXXX XXXX when I know that all of my bills has been paid off when I returned the WiFi equipments. I asked the company if I owed anything at the time of cancellation and equipment return if I owed anything and they said no.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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. 
Equifax and XXXX Credit bureaus are currently reporting a duplicate time barred account with inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been a homeowner for over 20  years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate 3. Please remove all previous employers and add my current employer XXXX XXXX, XXXX, FL