davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-05
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: DriveTime (MD)

I am distressed that you have included DRIVE TIME information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

Companies aren't responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Consumer complaint received 2023-03-26
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 — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC. (NJ)

Several Collections are being reported inaccurately. They are being reported as open with past dues balances. They are also reporting a unverifiable public records And a address
Consumer complaint received 2021-12-05
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)

Hello and today I noticed an account on my Equifax consumer file that is currently under re-investigation. It change to charge off today without answering the earlier requests. As the amounts have been inconsistent and reporting inaccurately. As of today all of my request for evidence of the original creditor, contract, credit insurance disclosure, payment history, interest rate and pay-off disclosure have unfortunately been ignored by XXXX XXXX XXXX XXXX who appears to be be reporting inconsistent information regarding this charge off, The account number on Equifax appears differently than on XXXX. The first date of delinquency reports XX/XX/2021 but the payment history reports XX/XX/2021 as current payment. The comment section appear differently further negativity affecting my creditworthiness during my financial hardship. Thank you for your attention.
Consumer complaint received 2021-12-05
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. (GA)

I have a account with chase bank. I had unauthorized XXXX  transactions on my account. It was about 15-20 different transactions to people totaling about XXXX dollars. They gave me a provisional credit, then about 10 days later they took it back saying after they investigated they found no error had happened. Ive called them numerous times attempting to get them to reopen the claim but they are no help. Im coming to you guys as a last resort
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (LA)

I requested that late payments be removed due to my family being infected with the XXXX and they have not been removed. I requested the removal of late payments through credit bureau disputes and online through the credit card company messaging center. 

My account is currently paid off and the 4 late payments from XX/XX/2020 to XX/XX/2020 are greatly impacting my credit score. Prior to the pandemic I did not have any late payments on my account. Once I received my stimulus check I started making regular payments.
Consumer complaint received 2023-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MI)

Was sent to collections with no knowledge never sent validation letter or email or call. The debt in question I do not owe, as the landlord kept my security deposit and told me I can move out and they will keep it and I also have texts to prove it. Than they tried to submit bogus damage charges they claim I did to the house and I told them that I needed a break down of charges including time spent performing the repairs which they never sent only a text breakdown. I agreed that the screws in the wall where my doing but that's it. When I told them that the damages are bogus and told them we can just meet in court they never responded back.
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (DC)

I received a statement by TD bank about an opened checking account and I know this is a fraudulent account because I never opened it. I tried calling TD Bank but never got to speak to someone on their customer service line for about an hour after holding.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have disputes several names that I am disassociated with, or are clearly not my name as well as addresses. I would like them permanently deleted as I do not utilize these names, phone numbers, or reside at these addresses except one. I also am trying to delete the several phone numbers on my reports as I have had lost/stolen phones over the years and my personal information being used linked to those addresses as well as phone numbers. I have 1 name, 1 phone number, and 1 address that I use and reside. These appear on XXXX, XXXX, and Experian.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One Also settings and app are not the same. I've been waiting for new cards promised on XXXX. They changed my card numbers and charged XXXX and gave XXXX my new card number. I have tried over a dozen times to resolve this with no restitution and now I'm being charged late fees.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Student Aid Experts (MA)

XXXX XXXX  Also settings and app are not the same. I've been waiting for new cards promised on XXXX. They changed my card numbers and charged XXXX and gave XXXX my new card number. I have tried over a dozen times to resolve this with no restitution and now I'm being charged late fees.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This bank charges fees on pending transactions. I've been charged XXXX in fees. I've had fees waived in the past, I explained with covid direct deposit is sometimes delayed or none. I always get the $ $ in same day b4 XXXX ... even if this is there policy to charge fees on pending transactions, I've begged and pleaded with this bank. I am 1 step away from living in my car. I lost my XXXX, my XXXX due to covid, I've been XXXX. I've been trying to stop the autopays ... the branch in town isn't friendly to XXXX ppl. I just would like a refund and then I'll close the account. I don't want anymore problems
Consumer complaint received 2018-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (NY)

Dear Sir/Madam : Please see attached cover letter describing the events regarding my complaint against the Lending Club. In addition, I also have attached two correpondence, as outlined on my cover letter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-07-06
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

Late XXXX, I was notified that my Mortgage Servicer was being transferred from XXXX XXXX to Select Portfolio Servicing. I tried to pay my mortgage on XX/XX/XXXX to XXXX XXXX, but they stopped accepting payments on XX/XX/XXXX. I called Select Portfolio Servicing because I had not received any communications from them at that point. I needed to know that this transfer was valid, and not a scam. I asked them to send me documentation and a bill. They provided me with a new account number at that time. I did receive documentation, but still no bill. I was told that there would be no late fees within the first thirty days after the transfer. 

I started receiving phone calls ( but no message left ) around the XXXX from XXXX XXXX XXXX. Finally, they left a message idenifying themselves as Select Portfolio Servicing. I decided to log into their website and make a payment. When I logged in, I noticed on my dashboard a message indicating that I had opted for paperless billing, which is not true. I also noticed a statement that 'all online payments are subject to a {$15.00} 'processing fee '. 

I called them back the next day, and a woman insisted that I make the payment over the phone by check. She said that she would waive the {$15.00} fee for telephone payment. She claimed that I was not set up for paperless billing, despite the website advising me otherwise. I asked her, if this was so, why had no one sent me a bill for 19 days? How was I supposed to pay a bill I had not received. She explained that I could use telephone or online payment. 

I already have finincial problems due to COVID-19, and an extra {$15.00} is not acceptable ( and would still not be if I did not have financial concerns ). I pay all my bills online with no servicing fees, including the last 6 or 7 years with XXXX XXXX. 

This is unacceptable proce gouging i the best of times, but expecially now. Online bill payment is a modern convenience. I did receive a bill for my XXXX payment on XX/XX/XXXX, meaning it is impossible that I can get a payment to them via US Mail by XX/XX/XXXX. 

The fee is absordinate, simply put, and Select Portfolio Servicing has done a terrible job transitioning. How can you trust a company like that?
Consumer complaint received 2018-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

In XX/XX/XXXX I took out a loan with XXXX XXXX. They filed Bankruptcy in XX/XX/XXXX. They apparently sold my loan to XXXX. Now I have been making payments to XXXX XXXX XXXX, XXXX. claiming to act as a Trustee for the XXXX XXXX XXXX XXXX XXXX in Delaware. ( I attach evidence ). Per RESPA, etc., this is a Qualified Written Request ( QWR ) and I would like them to send me an updated statement of all payments made to and received by them to date, as well as any and all information regarding any and all accounts open under my name.
Consumer complaint received 2021-04-02
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX - XXXX WFDS XXXX XXXX XXXX - XXXX ( Orig Cred : XXXX XXXX ) - XXXX
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2018, my checking account with Simple bank was fraudulently debited {$1500.00}. I immediately called to report the transaction. In doing so I learned that Simple does not have a way for you to directly dispute items such as this. Instead, I was directed to contact them via email. I followed their directive, but have been unable to get a response from them. On Sunday, XX/XX/18, I was able to reach them by phone and spoke to a representative named XXXX. XXXX advised me to call the merchant to directly dispute as it would be faster. I did that ; however, they were unable to assist and referred me back to the bank. To date, I have not received a provisional credit while the investigation is in progress. I feel it unfair to me, the consumer, to have funds in limbo while waiting to hear by from a bank that has been unresponsive. 

In the interim, I have read numerous online reviews and this, too, has happened to other consumers. I feel it is my right and responsibility to report such instances like this to protect others.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I tried to lift a freeze on my Experian account on XX/XX/2019. I thought I finally managed to do it, but I obviously didnt because I was denied credit on XX/XX/2019 by at least 2 financial institutions because my credit was still frozen on Experian. I tried to unfreeze it previously without success. They want a lot of personal information ( ssn, birth cert, billing info, etc. ) to be mailed into them which seems scary to me because that in and of itself can cause fraudulent activity. There is no way to talk to an actual person with Experian. Their customer service is horrendous. They make lifting a freeze very difficult/impossible. 

I had no trouble at all with XXXX or XXXX. I was able to lift the freeze on both of these credit bureaus this time as well as in the past without any difficulty at all.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC (TX)

Ordered health supplements ( pills ). Was hit with {$35.00} shipping fees. Paid with Zelle from XXXX XXXX. Was then told that order could not be shipped until " refundable fee '' of {$250.00} was paid for insurance. Pills and shipping were XXXX but couldn't be sent because the " insurance '' had to be paid first. Bait and Switch. 
Email lists no names, addresses, phone numbers, etc. No professional payment forms, etc. Is using names similar to legitimate businesses. For example : XXXX XXXX XXXX out of XXXX ; The XXXX XXXX used for The XXXX XXXX XXXX ; uses Telegram channels for XXXX XXXX XXXXXXXX XXXX XXXX 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Just a quick message to everyone that has paid, your package has been dispatched for delivery. Orders within XXXX, XXXX is currently 24hours-3days maximum while XXXX is 5-6days with a tracking ID provided. Drop your orders for following meds Order Ivermectin For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Click the website to order https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- As soon as I complained about the BAIT & SWITCH, I was blocked from that channel. Doubt if it was a legit channel for XXXX XXXX anyway.
Consumer complaint received 2021-09-12
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. (MA)

RE : REMOVE ACCOUNT FROM CREDIT REPORT To Whom It May Concern : This letter is in response to Experian 's recent claim that XXXX, verified the account they are reporting is accurate with a debt in the amount of {$4200.00} or {$4200.00}.

Remove this account from my credit report due to the following circumstances : 1. DEBT CAN NOT BE VALIDATED. After over 30 requests for validation via phone and mail and online over the course of 150 days which is 5 times the 30-day LEGAL REQUIREMENT I have not received validation of this debt!

2. DISPUTES DATES OF LAST PAYMENT/OPENED/ OF FIRST DELIQUENCY/BILLING/CLOSED. Remove due to inaccuracy in dates of last payment and of first delinquency.

3. CLAIMS INACCURATE INFORMATION : Remove due to inaccurate balance information as there should not be a balance for a closed account, charge off should need continually be reported.

This debt can not be validated obviously as I have sent numerous requests for a contract bearing my signature, statements and who Experian spoke with specifically as well as what documentation was used to proclaim this debt as valid.

This has since caused me great harm as my children had XXXX XXXX and we were unable to get the proper shelter we needed due to this degradation of my credit score. 

I have also not been able to finance a car due to this incorrect information that is deteriorating my credit core and quality of life. I have a XXXX who RECENTLY HAD XXXX that I can not drive to necessary appointments or school due to this impact to my credit. 

This is defamation and causing me and my family great harm. 


Any automated response or e-Oscar verification is unacceptable. I am requesting a removal of this account. 

EXPERIAN IS THE ONLY ONE HOLDING ON TO THIS FALSE ACCOUNT THAT WAS ALREADY REMOVED FROM XXXX AND XXXX IN XX/XX/2021.
Consumer complaint received 2019-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/2019, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. 

This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : XXXX # XXXX. Date Opened XXXX. Balance {$0.00}. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Consumer complaint received 2018-10-10
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: JPMORGAN CHASE & CO. (DC)

CFPB : I reported this back then, and it was not even satisfactorily resolved. Again, I'm filing a new complaint in relation to my credit card account. The merchant used my credit card in XX/XX/XXXX after the fact that I had instructed the merchant not to use my credit card for any further charges in XX/XX/XXXX because the countertop got damaged, which the merchant couldn't remedy. I put that instruction in writing. After I saw the pending charges, I promptly notified Chase to stop the pending charges from going through. However, Chase was unable to stop and recover the money. Now, Chase is placing the responsibility on me to pay even though the charge was unauthorized. UNACCEPTABLE!