davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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: JPMORGAN CHASE & CO. (CA)

It's been more than 30 days and the creditor has not updated the information nor provided proof or documentation of the late payments on my credit report. They have not supplied this information and must remove the alleged late payments on my credit report. Under Federal Law they had 30 days to complete this investigation and by failing to do so the item must be deleted from my report as soon as possible.
Consumer complaint received 2022-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2019-04-24
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. (NC)

Equifax is reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (FL)

In accordance with the Fair Credit Reporting Act FSTPROGRESS 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings (AL)

This creditor has contacted from 8 different phone numbers atleast 6 times a day, everyday consecutively for months now. The calls began before I ever even reached 30 days past due. I have spoke with this creditor and informed them of a medical emergency and my recovery that has halted my ability to work after a nearly perfect payment streak with them and this hasnt stopped the aggressive tactics. Although i purchased an insurance plan they sold me for this loan in case of emergencies, apparently i have to jump through hoops to actually use it and it would only help for one month. I even made a payment that further hindered my financial stability and mental to show my intentions to pay as soon as I am well enough to work again. Nothing stops them.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America is illegally withholding {$620.00} from me. I reported fraud and the purchases were flagged over 3-4 weeks ago. I called in to report these then and their site specifically states that they will issue a provisional credit after 3-4 weeks have passed, as their investigations take an unnecessarily long time. I am also on the XXXX XXXX  and therefore protected by the Americans with XXXX XXXX. Clearly, BofA is in flagrant violation of federal law and I intend on hiring an attorney. 

I recall about a decade ago, BofA issuing provisional credits immediately. Instead now, I have to waste 45+ minutes on the phone arguing with a customer service rep, because ultimately, BofA doesn't follow the law. I find that to be a disgusting system. 

As I file my complaint, I hope the CFPB gets involved because its concerning, given the recent collapse of XXXX XXXX Bank. It makes me suspect they don't have enough funds on reserve.
Consumer complaint received 2019-06-27
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. (UT)

My brother and I have been trying to untangle our credit reports for about 12 years. The last attempt I made was in the Fall of XXXX. For some reason, and we believe it is the fault of Equifax, my credit and his credit are being reported under the same person. The report shows that he and I are aliases for one another, however neither of us have ever used each other 's name as an alias. We have spent hours trying to correct this, and we have tried at least two different times each to correct this over the last 12 years. The company simply does nothing. I am trying to buy a house and I can not because his mortgage and car loans appear on my report.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (IN)

Discover is repeatedly reporting a supposed debt inaccurately to my XXXX credit report. I have reached out to them to have the account removed for violating the FRCA however they continue to confirm it's reporting correctly. Pursuant to 15 U.S.C. 1681-1681x companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information According to Discovers responses I have disputed this account on numerous occasions questioning the accuracy of the reporting. As of this day, my credit report does not have the following -Closed Date -Last Verified -Original Creditor According to the statements from XX/XX/XXXX to XX/XX/XXXX Discover sent me, my last payment was made XX/XX/XXXX which is confirmed on my credit report. 

Late payment fee dates according to Discover statement -XXXX XXXX XXXX ( 30 Days late ) XXXX XXXX XXXX ( 60 Days late ) XXXX XXXX XXXX ( 90 Days late ) - XX/XX/XXXX ( 120 Days late ) - XX/XX/XXXX ( 150 Days late ) - XX/XX/XXXX ( 180 Days late ) - XX/XX/XXXX ( reported as charged off ) XXXX XXXX XXXX ( Account shown as closed ) Date of Last Activity is showing as XX/XX/XXXX. I am requesting again that Discover send me documentation on what changes happened on XX/XX/XXXX to an account that was charged off in XXXX of XXXX, they have verified this repeatedly and if they can not show proof of activity I ask they please remove this account. 

I am requesting proof the account was opened on XX/XX/XXXX as stated on my credit report along with the contract that was signed. 

Furthermore this account was dismissed without prejudice by a XXXX XXXX in XXXX according to a written letter from Discover. I am expecting a prompt response with the requested information.
Consumer complaint received 2022-03-20
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: Navient Solutions, LLC. (AL)

Navient is reporting two accounts that do not belong to me on my consumer report. I, XXXX XXXX XXXX do not have a loan with them in my name. They have failed to provide any information to me regarding these accounts.
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (LA)

On  XXXX   XXXX   2017  m y commonwealth financial systems r eported that owed  XXXX  and I have n't been to the hospital since I was  XXXX   years old I d o n't know why they put it on my credit it made it so low I ca n't do anything I feel like I got scammed please help me dispute this they have not connected with on any phone calls or terms
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

My concern is that I notified Experian last year sending a certified letter stating that my personal information was stolen from XXXX and the XXXX of XXXX management. I recently noticed that Experian is listing XXXX Inquiries within the same period of time in XXXX. I sent them a letter explaining to them that I did not authorize all those inquiries and they should removed. I recently on XXXX/XXXX/XXXX pulled my Experian report and found that the XXXX Inquiries are still there and not have been removed. I also noticed that a account XXXX acct # XXXX is still being reported and should 've been deleted like the other XXXX reporting agencies XXXX XXXX and XXXX have deleted. Please assist me in correcting this error by Experian. I tried to dispute this item on line with Experian but they would not allow me to dispute, which is my right.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (CA)

my Address is different than the address Wakefield & Associates has been sending collections letters to. I have contacted them three times in order to set up a payment plan to pay the debt that I owe. The first time I contacted them I was instructed to send an email to XXXX and never received an email back with my account information to start making payments. I followed up with two more phone calls over the past month in order to try and get the account information to start making payments on their patient portal but both of the contact numbers that I have called on their website just send me to an automated message saying they'll get back to me, but they do not. the amount that showed up on my credit report is XXXX $ and is a serious collection that could lose me my job and this company has been very unprofessional with responding the with pertinent information so I can pay towards the debt. I could lose my job because of my inability to make payments on this collection due to this company not assisting me in order to pay the debt that I owe.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a credit card with Capital One that I was pre-approved for. I've had a long term banking relationship with Capital One since I have an Auto Loan with them for over 4 years. Yet when I applied for a Capital One XXXX Card I applied for, I was discriminated against by them. After being targeted as I've felt was denied because they were unable to somehow verify my address even though I have an already existing auto loan with the company. After countless times of sending them my California ID and Utility Bills with my address on it they couldn't discriminatorily it felt verify my information. 

They are okay with my paying for a high interest auto loan, but someone not okay with giving me a pre-approved credit card due to the fact they weren't unable to verify my address.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GUARANTEED RATE INC. (IL)

THE FIRST PROBLEMATIC ACCOUNT IS 1 ) GUARANTEED RATE/XXXX  ( XXXX ) XXXX XXXX # XXXX OR GUARANTEED RATE INC. ( XXXX XXXX/ XXXX # XXXX AMOUNT {$0.00}. THIS ACCOUNT IS INACCURATE AT THIS POINT ITS FRAUD, THEY REPORTED AN ACCOUNT AS BEING LATE WHEN IT WAS WITH A WHOLE DIFFERENT COMPANY. NO FEEDBACK WAS NEVER GIVEN BECAUSE THEY WRONGFULLY REPORTED LATES TO MY ACCOUNT ( ACCOUNT WAS IN DEFERMENT/FORBEARANCE ). XXXX AND XXXX NEED TO REMOVE FROM MY FILE IMMEDIATELY. THE NEXT ACCOUNT IS 2 ) XXXXXXXX # XXXX AMOUNT {$3400.00}. THIS ACCOUNT WAS REMOVED FROM MY FILE AND REPLACED ON THERE ( I BELIEVE TWICE ). ITS ONLY ON XXXX. I'VE SENT IN A COPY OF AN OLD XXXX LETTER STATING IT WAS REMOVED YEARS AGO. BOTH ACCOUNTS NEED TO BE REMOVED FROM XXXX AND XXXX IMMEDIATELY. I'M GON NA FILE A CIVIL LAWSUIT AGAINST ALL 4 COMPANIES IF THESE ACCOUNTS CONTINTE TO LINGER FRAUDULENTLY ON MY FILES.
Consumer complaint received 2019-06-27
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. (PA)

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2022-12-14
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. (LA)

My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX I was alerted that my Wells Fargo debit card had 2 transactions at a XXXX, one for {$700.00} and another for {$200.00}. These transactions were not me, were not authorized by my, and I had my card in my possession at the time. 

On XX/XX/XXXX, I called Wells Fargo fraud division and filed a claim for fraudulent charges on my debit card. Wells Fargo canceled my current debit card at the time, sent me a new debit card, and credited my account for {$900.00}. They also mentioned the investigation of the fraud could take up to 10 business days and if anything else was found I would be notified. I assumed by the end of the month the 10 business days had passed and I was ok to spend the money credited back to my account. 

On XX/XX/XXXX, I received a letter from Wells Fargo Claims assistance center stating that they have completed their research on my claims inquiry. This letter stated that " based on the information available to us, we found the charges were made by you or someone who had your permission. As a result, the {$900.00} temporarily credited to your account, will be deducted on XX/XX/XXXX. 

After this letter was received and the {$900.00} was deducted, resulting in a negative balance of over {$600.00} dollars, I called the Wells Fargo claims assistance center again. The person who answered the phone could only read the notes at hand stating that " based on the information available to us, we found the charges were made by you or someone who had your permission. '' I was persistent in stating that these charges were not made by me or anyone that I had authorized, and that my card had never left my possession. I was told that " the transaction indicated that the card was present for this transaction and there was nothing else they could do for me at this moment. 

My family has banked with Wells Fargo for many years and hold a mortgage with them as well. They have had fraud/ identity theft issues in the past and have had no issue when solving it. This is the first fraud issue I have had and they are telling me that the card was present and it was not. I feel as I am being treated like a criminal being told that it was me that made this transaction and that I am lying. 

In the mean time I am out of {$900.00}, asking family members to cover my negative balance and overdraft charge. Wells Fargo is saying there is nothing else they can do and the next step would be to file a police report. 

Please help.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. I should be in process of getting a home sometime this year of 2024 and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my mental health. I will be attaching a FTC report with the XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB )
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Xtreme Products LLC (CA)

I was ill for a couple years and had to leave school and was unable to work. I have been getting my loans deferred and I was told I had submitted all the proper paperwork and they were deferred and not to worry. Now they are all of a sudden on my credit and I ca n't get a loan for a car so I can work, I ca n't purchase a home. These people lying to me wrecked my life.They took thousands from my refund this year and nobody told me anything. If I knew that they were gon na  XXXX  me, I would have tried to figure something else out, but I was told they were DEFERRED AND I WAS OK?!?!?!?!?
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (NY)

Although it has taken longer than anticipated to find the info, as indicated previously Experian has not complied with the class action settlement of 2014 ( XXXX Experian Information Solutions , Inc. ) which entitles class members to the free Credit Monitoring Product for a period of 3 years. 

Class Counsel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Additionally, although I recently received a credit report ( from your efforts ), it did not contain my score ; as it should have if for no other reason than to show good faith for not providing free Credit Monitoring for over a year since the settlement.
Consumer complaint received 2018-04-24
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. (GA)

On XX/XX/XXXX, I sent a letter to XXXX XXXX  and Trans Union. I requested that they investigate three errors on my credit report. Over the weekend, I received responses from the bureaus, stating that I did not properly verify my address and social security number. They said I would have to re-submit documents to them in order to get them to actually conduct investigations. 

I am attaching a copy of the letter I sent to them on XX/XX/XXXX. As you can see, I attached a copy of my social security card, as well as two utility bills that display my current mailing address. This is the same documents that they are requesting in their responses, so I believe their requests are unfounded.
Consumer complaint received 2023-03-15
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)

I received my credit report and asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Experian and XXXX. 

The date open is not correct, date active not correct, date of delinquent is different in both. 

Which is a violation. This is impacting me from buying a vehicle to get around. I need to commute to and from work. I also let Experian know the company attempting to collect the debt is not license to collect debts in the state of CA. 

I attach my previous credit report and my new credit report to show how Experian and XXXX violated my rights.
Consumer complaint received 2019-04-24
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. (GA)

Experian Dispute Results : XXXX reflects a report for XXXX XXXX XXXX. This information is incorrect as I have never been identified as such. Experian is reporting New Past Due statements to XXXX XXXX on XXXX Account : XXXX ; XXXX Account : XXXX ; XXXX Account : XXXX ; XXXX Account : XXXX and XXXX XXXXXXXX XXXX XXXX Account : XXXX. Experian states they will not conduct any further investigation unless new information is provided. XXXX has reported that they notified each of the the three credit reporting agencies that no monthly payment is due, therefore there is no new past due payment pending. XXXX charged off the four accounts and has abandoned collections attempts. XXXX is aware of my address should they seek to pursue collections post 1099 but has not. XXXX XXXX XXXX XXXX likewise has abandoned all attempts at collections and there are no past due payments reporting.