davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XX/XX/2016.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I noticed that XXXX hasn't removed my bankruptcy from my credit report it's been 2 years I want it removed it should have been after 1 year. I submitted a dispute but it's still showing on my credit report
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

I haven't wasted countless hours trying to close my Citi Prestige Credit Card account. I have never been able to use the card. As soon as it was activated it was flagged for fraud. Citi has never been able to verify me. 

In fact, this is my second CFPB complaint on the matter. On the first complaint, XXXX XXXX of Citi 's  Executive Response Unit did not even address my frustration. The fact is over the course of XX/XX/XXXX and  XX/XX/XXXX I have wasted countless hours of my life trying to be verified by Citi for a credit card they have given to me so I can SIMPLY CLOSE THE ACCOUNT. XXXX XXXX claims a letter was sent to me and that I need to provide a reference number to close the account. I RECEIVED NO LETTER. You call the fraud department, they can't verify me. They transfer me to customer service. Customer service says they can't do anything and that I need to talk to the fraud department. No one knows anything or is able to do anything. I've called XXXX XXXX of the EXECUTIVE RESPONSE UNIT twice and left voicemails -- no response or follow-up. 

Citi is charging me interest and fees for an account I can not even access!!!!!!!!!!!!!!!! Despite having a checking account and savings account with the Citi Private Bank arm, no dice. I'm lost in the system and it seems like there is absolutely no hope and no one at Citibank is capable of rectifying my situation.
Consumer complaint received 2022-03-08
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 (OH)

I have multiple inquiries on my credit report that I did not authorize from capital one auto finance XXXX, XXXX XXXX XXXX XXXX, capital one auto finance XXXX and XXXX XXXX XXXX. I did not authorize any of these and I would like them removed or deleted
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX XXXX XXXX sent me a letter stating that they are no longer collecting on this debt and it will be deleted from all credit reporting agencies. Please see attached letter as proof.
Consumer complaint received 2022-03-09
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. (FL)

I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00} XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX {$180.00}
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I have disputed a collections account from XXXX XXXX XXXX   on my XXXX credit report multiple times now. With zero results, nothing has changed, despite me disputing this item multiple times over several years now. I have also asked for my consumer disclosure file for this collections account, per FCRA Section 609 ( a ) ( 1 ), multiple times and never received anything from either XXXX  or XXXX. 
I have informed XXXX  multiple times that I have never received a medical bill for this alleged debt. I have informed them that it is my right to have been given a bill for this debt, which I never was given. Therefore, I also was never given the chance to dispute this item with the original creditor or collections agency. The hospital that this was most likely billed from is notorious for sending bills directly to collections when the patient did not have insurance. I have no doubt that this is most likely the case with this debt, but there again, since I have never been issued a bill for this item, I can only speculate.
Consumer complaint received 2019-03-28
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. (MN)

Sent in disputer letter in XX/XX/XXXX, XX/XX/XXXX, and called XX/XX/XXXX. 

XXXX XXXX is incorrectly reporting late payment across all three credit providers. 

XXXX keep saying they investigate this compliant but never updates XXXX XXXX report with no late payment and XXXX XXXX with no late payment
Consumer complaint received 2023-02-01
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. (MD)

It is listed on my credit report that a XXXX  XXXX bankruptcy was filed. I have communicated with the courts and they have stated that no information has been verified with them in reference to this information. They do not give this information out at all. I have contacted the bureaus and asked them to provide me with the documentation that they have received from the courts to verify a bankruptcy and they still have not done so.
Consumer complaint received 2022-03-09
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: CREDIT ACCEPTANCE CORPORATION (CA)

I received an email from one of my credit cards than my credit score, monitored by XXXX, had tanked XXXX points. 

I logged in and was informed of a " Derogatory Account '' reported by Credit Acceptance Corp reported on XX/XX/XXXX for an account balance of {$32000.00}. 

I have no idea what this charge is and I currently do not have an auto loan with this company. 

I disputed it via XXXX and also contacted Credit Acceptance Corp who recommended that I fill out this form.
Consumer complaint received 2019-01-09
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC. (TX)

XXXX for Navient XX/XX/2018 {$6500.00} {$7800.00} I filled out and received XXXX  & personal XXXX as of last year.. 
Both companies keep calling me all day everyday to collect the debt I have already filed for and they are leaving it on my credit report, damaging my credit.
Consumer complaint received 2022-07-25
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/19 at XXXX I attempted to withdraw {$1000.00} from a JP Morgan Chase Bank N.A . ( Chase ) ATM. Due to a error of the ATM, no cash was able to be dispensed, however a receipt was produced clearly showing my account had been debited {$1000.00} ( {$1000.00} withdrawal + {$3.00} surcharge ) with a message of " We aren't able to give cash right now. Please call us at XXXX ) ''. After a brief call with Chase, where I asked them to reverse the transaction as their ATM was unable to dispense the requested cash, 3 separate operates told me they were unwilling to help due to the reason I do not have an account with them. When I repeatedly ask them to reverse the transaction they continued to reply that I would have to contract my financial institution to start a claim to get the the transaction reversed. After discussing this situation with my bank they were able to submit said claim but inormed me that it could take up to 10 business days to reverse this transaction. When I asked them if Chase is able to just reverse the transaction, they stated that Chase has the ability to instantly reverse these types of errors, however they force other Banks to do it instead.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

Good Evening. 

So, in 2017 I submitted an investigation with your agency the CFPB with regards to the only inaccurate account on my XXXX, XXXX and XXXX, an inaccurate collection account reported by a XXXX XXXX. 

Within days of my investigation request, XXXX XXXX replied to us acknowledging error and deleted the inaccuracy ... 

Today, I discovered XXXX XXXX has now again, started to report the exact same inaccurate account that you helped me previously resolve ; I believe this is a clear violation of the FDCPA Act and this false credit tradeline obviously needs to again, be removed immediately- Very unfortunate collection outfits like this can so easily report this information and I thank you again for your assistance. 

XXXX XXXX
Consumer complaint received 2023-02-01
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/XXXX I filed a complaint with XXXX, Trans Union, XXXX and I didn't receive a response back until back until XX/XX/XXXX. This date is way passed the 30 days time frame allowed. I am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account is duplicate with multiple listing as open error please delete inaccurate. Below are the CFPB confirmation numbers to my claim. 

XXXX XXXX
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

An individual and or individuals stole my identity and opened a credit with Capitol one. When I called Capitol one, I was told there is a balance of {$2300.00} that was spend on this account. 
I do not own a capitol one credit or a debit card, nor have a ever placed an application to own or open an account with Capitol one. 

All purchases made on the account are act of fraud. 
I have asked Capitol one to to close the account. I was told by Capitol one that they will follow with an investigation and get back to me as soon as possible.
Consumer complaint received 2022-03-09
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: WELLS FARGO & COMPANY (IL)

i have truned in a police report and i have contected the companies for both of theses and truned in the police report please remove this off my credit persolve legal group acct number XXXX and XXXX XXXX
Consumer complaint received 2022-03-09
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: ACIMA CREDIT, LLC (CO)

My identity was stolen and a fraudulent account was opened with a company named Acima. I told XXXX that the account was fraudulent and I had zero knowledge of it. I want it removed from my credit report. They have not removed it after I have submitted two disputes regarding it. I have called the company ( Acima ) as well regarding this fraudulent account to tell them its not mine and that its due to identify theft. They have not been helpful either in resolving this either.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is  XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

Navient is the loan provider. I have asked for a budget/ income driven loan and they through me out of the the repayment plan because I took a home equity loan to fix some things in my house. They said that new credit was the cause of them throwing me out. Later I asked for a forbearance and they said I had 4 month of forbearance available, but I could only take 3 months at a time per their policy so they charged me {$50.00} for 3 months, then another {$50.00} for 1 month. They do not treat their borrowers very nice!
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc. (NY)

I've made contact with the company more than once. The debt was result of an identity theft case in which the fraudster was caught and prosecuted where the debt was created ( a fraudulent apartment lease ). The company that created the lease using the fraudster 's fake ID and fake name ( which did not match my name on my credit file ), was present at the trial. They requested NCC Business Services stop making attempts to collect this debt in the amount of {$7100.00} for a lease that was abandoned and property damages. In XX/XX/2015 NCC provided me with a copy of the lease and ID, both in a fake name, and a fake ID of the young man who was charged in the District Court of Maryland XXXX  County. Despite providing my driver 's license and the more than 20 fraud accounts that were created by this criminal, NCC Business Services remains the sole business that continues to attempt to collect and is damaging my credit file with this fraudulent account. I've contacted this business more than 10 times, providing all requested documentation, and yet they refuse to do the lawful thing. Please help.
Consumer complaint received 2019-01-09
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 (MN)

I Called and made a complaint on XX/XX/XXXX and XX/XX/XXXX, but no one was able to help me. They couldnt find an application on file with my social security number. 

Someone ran my credit twice on XX/XX/XXXX for Auto financings, which I did not authorize. Im looking to get these HARD INQUIRIES removed ASAP.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo Dealer services offered me a settlement amount I paid it and they sent me a letter that effective XX/XX/18 my account is settled in full and my account is closed. They said that they sent this info to all three beaurea. It is still reporting incorrectly and every time I dispute it with the beaureas wells Fargo says that I still have a balance. I opened a complaint with Wells Fargo office of the presidents and the dispute was settled telling me to send the letter they gave me to the reporting agencies and they should honor it but that's not what's happening. They are all ignoring the letter.I have a pending home closing and I'm scared that I'm gon na lose my home because of this Help!!!!!
Consumer complaint received 2019-01-09
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. (OK)

I have disputed a collections account from XXXX XXXX XXXX on my Equifax credit report multiple times now. With zero results, nothing has changed, despite me disputing this item multiple times over several years now. I have also asked for my consumer disclosure file for this collections account, per FCRA Section 609 ( a ) ( 1 ), multiple times and never received anything from either ARS or Equifax. 
I have informed Equifax multiple times that I have never received a medical bill for this alleged debt. I have informed them that it is my right to have been given a bill for this debt, which I never was given. Therefore, I also was never given the chance to dispute this item with the original creditor or collections agency. The hospital that this was most likely billed from is notorious for sending bills directly to collections when the patient did not have insurance. I have no doubt that this is most likely the case with this debt, but there again, since I have never been issued a bill for this item, I can only speculate.