davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

i sent out disputes on XX/XX/21 and haven't heard anything back in 71 days, I feel like im being ignored of my disputes. in section 611 ( a ) its plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove from my credit report, i demand these accounts be deleted promptly or i will file for litigation, my information was also impacted by the XXXX data breach
Consumer complaint received 2021-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC (AZ)

I made a XXXX payment on XXXX with a representative and they told me it would take XXXX hours to process. I checked today XX/XX/13 and they still havent processed my payment. This company is purposely trying to keep me from paying off this loan to charge me extra fees.
Consumer complaint received 2021-12-13
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: Bread Financial Holdings, Inc. (NV)

We stayed at XXXX XXXX by XXXX hotels last XX/XX/21. It is part of their scheme to have the visitors to attend one of their seminars for 1 hour they said but it took us 5 hours. At the same date as above, they offered a timeshare and with our consent we agreed to have our credits checked and just to see where we at. We provided our information and signed some consents that they will just use our information to see our current APR for timeshare. We we're there for XXXX hours because many of the agents goes back and forth to all the visitors/attendees trying to convince us to take a timeshare. We straight up told them we are just inquiring and just curious and not really planning to get one at least for the time being. All the agents look so XXXX and annoyed. They we're not very professional and kind of forcing us to sign but we never did. 1 month after, I received a letter that I opened XXXX NEW CREDIT CARDS FROM XXXX. The first XXXX is from XXXX XXXX XXXX with a credit limit of {$1600.00} and the second one is from Comenity Capital Bank XXXX XXXX XXXX for a credit limit of {$5000.00}. Attached pictures are the evidences and the dates when they opened a credit card for us. 

It was never agreed that I will open any credit cards under them. And I never consented them to use my information specially my Social Security to XXXX and Comenity XXXX XXXX. This also hard hitted my credit score and also my wife 's because they actually attempted to open a credit card to my with XXXX too.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

I am writing in regard to a fraud situation that happened on my Chase XXXX Bank Credit Card that happened while I was traveling overseas. My Chase credit card ( along with my XXXX XXXX XXXX was stolen from my possession while I was in XXXX XXXX between the XXXX and XXXX of XX/XX/2021 and both were used fraudulently. This was in addition to other belongings including ID, phone etc being stolen in the same incident. When I became aware of the situation, I immediately reported the incident to Chase. I subsequently filed a police complaint online and reported the incident to a local police station in XXXX XXXX XXXX of XXXX XXXX. 

I went on and provided details of the police complaint along with details of XXXX XXXX own investigation which found me not liable for fraud under the same incident after they conducted their own investigation. These were emailed to the Chase fraud department as evidence. 

I believe Chase did a very poor job of conducting the investigation and reached a decision that I was liable for those charges wrongly suggesting that these charges were made by me. They went as far as to close my account as well. Unfortunately the only explanation that Chase investigator gave to me was that because something like this happened in the past therefore I must be liable for these charges and essentially finished the conversation with me very abruptly. I subsequently called up the Chase fraud department on XX/XX/XXXX to initially open an appeal but when I started to press the representative to provide me a specific reason as to why the investigation was closed, they said that they need more information. When I asked them what information they needed from me to reopen this case, they informed me that they dont know but perhaps I should reach out to the vendors in question and try and work something out with them. I informed them clearly that I feel extremely uncomfortable reaching out to random vendors in XXXX who I dont know anything about nor do I physically feel comfortable going to their offices or shops. I felt extremely jaded by this specific request. 

To date Chase has not been able to specifically provide me a reason for the case closure that actually specifically ties into the fraud case in question. I am not liable for these fraud charges under the XXXX XXXX XXXX XXXX and will not pay Chase for the amount of the fraud charges. I am reporting this to the consumer financial protection bureau.
Consumer complaint received 2022-07-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nationwide Recovery Systems, Ltd (TX)

I can not pay this debt because I can not get a stable income since I got XXXX  early XXXX  this year. I have tried multiple times to get it waived and I don't have any insurance any more. I am broke and my employer may have just fired me right after I filed a report against a coworker. I need this debt waived because I can not pay it in a reasonable time. I do not want this debt anywhere near. I need this gone. Stop sending mail.
Consumer complaint received 2021-05-10
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: Bread Financial Holdings, Inc. (KY)

Someone had submitted multiple fraudulent applications with COMENITY/VICTORIA SECRET that resulted in several credit inquiries ( all of which were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). These unauthorized and fraudulent activities had already been reported to the 3 credit bureaus and had already begun to negatively impact my credit reports and credit scores.
Consumer complaint received 2021-12-13
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: Resurgent Capital Services L.P. (NY)

I have sent numerous letters to the credit bureaus in response to some incorrect information found on my credit report to which the credit bureaus or the creditor have yet to respond. My initial request was sent in XXXX of 2021! I have since sent XXXX follo ups to which neither the companies or the credit bureau has responded. This is violating my consumer rights. I would appreciate some help with this matter, thank you.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (CA)

I am trying to refinance my mortgage with a new lender. The documentation that they have provided me does not match payments made. I have asked for a copy of a forbearance plan with beginning and ending dates and I have asked for an updated payment plan after my deferment was signed. I need proof that we complied with all terms of the forbearance and deferment ( theyve given me verbal confirmation but tell me it doesnt exist in writing ). After numerous phone calls, I get transferred to voicemails and have never received one phone call back, I have emailed and called my loan manager ( no phone call or emails back ), Customer service responded to one email with a computer of my loan deferment but it didnt provide the info I needed and wasnt what I had requested. I sent a certified letter delivered and received on XX/XX/26. An agent confirmed they received the request and were working on gathering the info I needed but I never heard anything more.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ridge & Valley Realty, Inc. (CO)

Credit Systems inc XXXX XXXXXXXX XXXX this account is over XXXX XXXX XXXX. it was paid in full in cash prior to my visit or they wouldn't allow me to have the appointment. I have sent multiple complaints in to the credit berues and they actually had to remove them. however, they keep switching companies and resubmitting the claim. the acutal visit was XXXX  XXXX plus and now its showing XXXX this information is incorrect. not only this they sent me a copy from XXXX of the services they provided with all my personal information on it. i have sent them notice after notice
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/2021, a collection agency called Amsher Collection Services reported to the credit bureaus that I owe {$990.00} for XXXX XXXX. I have never been a customer for XXXX. We've had XXXX XXXX for decades continuously and would have no reason to add a XXXX network. 

I disputed the item through the credit bureau processes, but the response came back as the debt being confirmed. I then contacted Amsher directly on XX/XX/2021 by both phone and email. They later sent an email acknowledging receipt of my inquiry but to date, I have not heard anything. I also contacted headquarters of XXXX  in Colorado, who were able to confirm immediately that I was NOT and NEVER, have been a customer for XXXX 

I have worked extremely hard to clean up my credit and raise my score as bad credit was having all kinds of negative ramifications in my life, but Amsher has destroyed my efforts with no resolution in sight, and it is hampering my efforts to purchase a home.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (NY)

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Kindly request that the information contained in my credit profile be reviewed and modified, but a response from you has not been possible I emphasize that federal law requires you to respond within thirty ( 30 ) days, but you credit reporting agencies continue to breach these federal regulations, which are investigated by the Federal Trade Commission. 
As I had previously communicated I keep a careful record of my communications with you for the purpose of File a complaint with the FTC. 

I further remind you that you are responsible for your intentional br
Consumer complaint received 2021-08-26
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: Experian Information Solutions Inc. (MI)

Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these inquires that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I was wrongly-imprisoned by the State of Nebraska in XXXX and so I could no longer pay my credit card bills so my credit went downhill. When I was released in XXXX, I got a secure credit card from Capital One ( it was a few months into XXXX at that point ). They never asked if they had I certainly would have told them as I tell everyone about that atrocity of justice. I had that card for over a year and I continually got feedback from them that my credit repair was doing very well. In XX/XX/XXXX they offered me a $ XXXX car loan and in early XXXX they sent my secured credit card deposit back and also offered me a $ XXXX credit card. Again saying that I was a great customer and my credit repair was going very well. In XXXX they cancelled both my cards without a word. I was scheduled to go on vacation the next day so I was frantically calling to find out why this happened and finally got someone to say it was because they discovered I had this item on my record from XXXX and there was no appeal and no further communication about it. 

My complaint is not about their XXXX  behavior. It is that they have stolen money from me in the process of closing my accounts. I had a {$60.00} credit balance on one card ( XXXX XXXX because I got a cash-back check from them after I had paid my prior month balance and their should be a {$39.00} credit balance on the other card ( XXXX XXXX because I was in the process of getting a rebate from a magazine auto-bill that I cancelled. It's been close to two months and they have not sent me that money, which is mine.
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc. (IL)

I started to work for the company XXXX XXXX in XXXX of 2020. They Promised me a new position as a XXXX. This position the company has never had any of there current employees perform, so this is a brand new position opening up just for me. I accepted the job offer with the company they granted me a XXXX sign on, however I would need to stay with the company for 1 year prior to this guarantee being terminated. After accepting the offer and within the first month the job they had me doing was not the job they had me sign for. Nor would I ever be able to make the living I was hoping to make and they have promised me. I have a family and a home! There offer was a complete lie and I needed to make a change to clearly provide to my family. When leaving I asked if they would remove the guarantee they provided and they said no because I sign off on a contract to them. At that time I also stated back to them the offer they gave me and what I received were XXXX different things and the offer was not held up on there side. They have no sent me to collections, I'm a licensed XXXX with another company and having problems with some state licensing because now I have an XXXX collection on my credit. The collection company calls almost daily, threatening me they were going to send it into collection and they have. So, why do they still call? Also, XXXX XXXX will not do a thing about it. I lost out on so much and was lied to from the beginning from one of the largest Mortgage companies in the US. I need this collection off my credit report. I'm asking for assitance from the wrongful way I was treated and being treated.
Consumer complaint received 2021-12-13
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. (AL)

I have sent letters to XXXX, Experian, and XXXX about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts are deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights. 

XXXX accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a decrease in finances the last 2 months. I was not able to pay Capital one in XXXX and XX/XX/XXXX because my husband was sick and income was lost. Capital One has refused to refused to waive late fees for XXXX and XX/XX/XXXX after they CLOSED my accounts on XX/XX/XXXX and REFUSED to accept the approval of an ACTIVE DEBT MANAGEMENT PLAN.
Consumer complaint received 2021-12-13
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$920.00}