davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I am currently going through XXXX. XXXX XXXX sent emails on Portal about completing Income Base Driven forms. Due to my health, XXXX, and XXXX I was not able to fill out the forms. Fed loans substracted {$1200.00} from my banking account, even though I have never had to pay before because of my income. I have trying calling to get assistance and they rush me off the phone. I am at a lost and don't know what to do. They won't give me the information about getting a refund.
Consumer complaint received 2019-03-29
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. (MA)

In XX/XX/2018, I received an email offering a XXXX XXXX points bonus of a new Chase card was opened and you spent {$1000.00} in the first 30 days. I clicked the link in the email and applied and was approved. After the first 30 days, I received XXXX points and a {$200.00} statement credit. I immediately called because the value of XXXX XXXX points is {$1100.00}, but the value they provided me with was {$470.00} ( XXXX points are {$270.00}, plus a {$200.00} statement credit ). The ONLY reason I got this card was for the XXXX points. They told me theyd talk to marketing and get back to me. Ive called 3 times and have not received a reply. Im now at the point that Im ready to book a trip and Im missing XXXX points, so I called AGAIN and was told theyd talk to marketing. Today I contacted customer service at Chase via XXXX and they said sorry, its been too long, when theyre the ones who never replied back every time I called. 

I also contacted XXXX since its a co-branded card but they said only Chase can help.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been the victim of identity theft the following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXK XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (TX)

I trusted an old friend with my personal information to help repair my credit and he used my information to get several things on my credit. His name is XXXX XXXX and I will be following up with a police report after submitting my complaint. I have an auto loan debt on my credit report that is {$48000.00} and a collections debt of {$71000.00} totalling {$120000.00}. This had drastically dropped my credit score and has now restricted me from getting a new car and an apartment. I just want my life back.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  and Transunion are reporting incorrectly that I am 90 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 and 19 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Corp Solutions Inc. (OH)

Credit Corp Solutions has been attempting to contact me with spoofed local XXXX numbers. They began to contact my work number and on XX/XX/18 I sent them an email attempting to negotiate a settlement and also directed them not to contact me at my work number, as I am unable to receive these types of calls. I know they received that email because they contacted me on my personal number about it and I spoke to them about it on XX/XX/18 before deciding to try and speak to an attorney. Today, XX/XX/2018, I was called at work from a known number of theirs that theyve used to spoof before to contact me. I have asked them not to contact me at my workplace and they ignored that request. They have also threatened to send me to pre-legal which is not an actual legal action, and have threatened to damage my credit by reporting to the credit bureaus which they havent done yet.
Consumer complaint received 2022-03-08
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. (PA)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2019-01-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My son purchased a XXXX XXXX XXXX without a title. We went to DMV for advice/info.  They researched history and found a bank that was the last know lienholder of his dirtbike. XXXX XXXX XXXX. It turns out that this bank has been boughy out by Capital One. DMV asked that Capital One indicates in writing ( notarized ) that they either release the title or indicate they have no interest in the title. Capital One did this. However, DMV was not satisfied with the notarized statement of non interest from Capital One. DMV needs Capital One to release a disclosure of the bank and or banks they have bought out that may or may not be affiliated with XXXX XXXX XXXX or specifically thereof. I have contacted Capital One via phone and fax on nemerous occassions. Have been told that response time may take up to 30 days. I have paid DMV all fees and and I just want to get a title created for my sons XXXX XXXX XXXX XXXX to be legal.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the USDEPTOFED account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 and 19 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-01-08
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. (GA)

Equifax reported two different bankruptcy. I disputed the two items and they were deleted on XX/XX/2018 and they turned right back around and put back on my credit report. They said they verified with the bankruptcy court but I have a letter from courts they do not verifty any information with credit bureau or third party companies
Consumer complaint received 2022-03-08
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. (MI)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX Balance-
Consumer complaint received 2022-03-08
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)

This is XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.
Consumer complaint received 2020-12-16
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. (NY)

I had Trying Fixing this problem with XXXX  XXXX XXXX numerous times.The problem is still there showing late payment XX/XX/2019 which was error from XXXX  they even waived the late fee because auto payment system error. I have Secure card with XXXX  suppose to get my deposit back after first year along with credit increase that was in the contract.never happened either.
Consumer complaint received 2019-03-29
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: LEXISNEXIS (SC)

Lexis Nexis continues to sent my credit information to the bureaus and they were told to stop and I opted out of them doing so. They sent bankruptcy information to the credit bureaus without authorization to ruin my name. I wrote them and told them to take the bankruptcy off of the report because the US bankruptcy does not report to credit agencies. They still will not stop reporting.
Consumer complaint received 2022-07-08
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. (CT)

This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-08
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. (GA)

On XX/XX/2021, I sent a letter requesting the removal of unauthorized inquiries on my report which I do not recognize. From XXXX, I didn't even receive a response concerning these inquiries at all nor were these inquiries removed which is damaging to my reputation and credit report. From the other two, they didn't do anything to remove them at all. This shows that our information can be requested and distributed without our permission. This isn't how it should be ... no privacy anymore.
Consumer complaint received 2019-04-23
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

File # XXXX I am no longer responsible for this account yet it still appears on my XXXX credit report. It has been removed from XXXX but not XXXX.
Consumer complaint received 2019-03-29
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. (GA)

This is my second written request to verified a public record that appears on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this public record on my credit or deleting of this accounts.An FTC complaint is attached, my drivers licence, social security and utility bill also attach to this complaint, police report will be filed soon. 
Please remove this item from my credit file.
Consumer complaint received 2018-12-20
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. (WI)

I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.
Consumer complaint received 2022-07-25
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)

sending to them? I have been requesting that the Credit Bureaus update the disputed account to appear accurate information on my Credit File, but despite all my efforts, the Credit is yet to respond to my letters. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX {$280.00}
Consumer complaint received 2018-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMPQUA HOLDINGS CORPORATION (CA)

On XX/XX/18, I received a call on my land line from a person who said that he was calling from XXXX to tell me that my XXXX  account had been " breached ''. I had received, the week before, on my XXXX, a pop up that said my XXXX account was almost full. I found that puzzling as I pay for that account monthly and I had never received a pop up like that, so I believed this really was a call from XXXX. At that point, after taking the call, I was transferred to a woman who said that she was an XXXX  technician, she had an XXXX XXXX accent and requested access to my computer using Go To Assist. I gave my permission. Once she had control of my computer she began showing me " evidence '' by way of colored charts, diagrams with moving data that she said were XXXX hackers who were at that moment hacking into my bank accounts. She also said that there was evidence of XXXX XXXX on my computer that the hackers were using and that if this was found on my computer it was a federal offense. She said that because of the seriousness of the situation she was going to have to transfer me to an XXXX security supervisor name XXXX. XXXX went on to tell me that these XXXX hackers had placed a " bad limit '' of {$11000.00} onto my credit cart and {$6000.00} on my debit card. He went on to tell me that in these cases XXXX uses " security license cards '' that I would need to buy but that I would be refunded fully by XXXX because the money needed to come in the form of cash or credit from me so as not to inform the hackers of that XXXX was involved in there whereabouts. The " security license cards '' ended up being XXXX XXXX XXXX which I had never heard of. I went to my ATM and withdrew {$2000.00}. XXXX told me that using this to buy the " security license cards '' in the form of the XXXX XXXX XXXX that he and his technicians would be able to shore up my debit account so that the hackers were unable to remove any more money. That day, when I thought this was a scam, I called Umpqua Bank and explained to them what I thought was a scam and placed a dispute onto the {$2000.00} withdraw which was denied a week later because Umpqua Bank said that I went there on my on volition.
Consumer complaint received 2018-09-12
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. (NM)

On XX/XX/2018 a negative report was submitted against me by XXXX XXXX XXXX XXXX ( " XXXX '' ) [ XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX ]. The report references account no. XXXX and indicates there was a charge-off of {$100.00} on that account. 

I called XXXX and spoke with a nice lady who indicated over the phone that I am not responsible for the account - she could not give me any further details, because she is not allowed to give that information to people who are not on the account. Nevertheless, some how or another, this account has been tied to me and now reflects a negative mark on my credit rating. The nice lady to dispute the negative report with XXXX. 

I could not file a dispute with XXXX. So I disputed the negative and erroneous report with XXXX. I told XXXX about the conversation with XXXX. However, the negative and erroneous report from XXXX is still, nevertheless, on my credit record. XXXX acts like it solved the problem, but clearly did not look into the matter or give it a modicum of thought. 

I sent XXXX another message regarding this situation, and got to speak with XXXX in the loan department. XXXX was very nice and explained to me what I had been told earlier, i.e., the account at issue is not my responsibility. XXXX/XXXX [ XXXX, ext. XXXX ] could not explain how the account/charge-off was filed against my credit rating as a bad report. XXXX suggested I dispute it again with XXXX. 

So, this morning I filed another dispute with XXXX. We'll see what happens, but I'm not going to hold my breath with that outfit. 

What I ask of the CFPB, and hope for, is that the erroneous report filed against my credit rating should be completely removed from my credit background/report as it may be curated by ( 1 ) XXXX, ( 2 ) XXXX, and ( 3 ) Equifax. Since XXXX admits the account/charge-off has nothing to do with me, and that I am not responsible for it, there is no reason why the report should have been filed against me in the first place, or why any reference to such a dubious and inaccurate piece of work should remain on file against me. 

I also ask the CFPB to communicate with XXXX  regarding this matter, in as much as XXXX may be of some help in getting the bogus report removed from my file ; also, perhaps the CFPB can better determine how this bogus report came about in the first place. So far, nobody seems able to explain that one. 

I am really at a loss to understand how something this sloppy and clearly wrong can be so hard to fix. The financial sector doesn't hesitate to wreck your credit if you owe them even a thin dime, but they sure as XXXX can not or will not get it together nearly as quick when it comes to fixing something as clearly libelous and wrong as what they have done to me in this case. 

CFPB, please help.
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Repeated phone calls starting at XXXX XXXX until XXXX XXXX  from various numbers. I purchased a bed and dresser from CONNS back in XX/XX/2015. I was making my regular schedule payments up until the beginning of this year due to an unforeseen hardship. Since It was merely a small balance remaining, I requested a payoff. The company refused and wanted me to continue paying the bill.