davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
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: CONTOUR MORTGAGE CORPORATION (NY)

Called them to ask if they can take some of the inquires off from contour mortgage they told me to get in contact with contour mortgage i did and i check up with contour they told me they Submit paper work and when i check with them they said they didnt recieve and now contour is not answering my calls
Consumer complaint received 2022-10-19
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. 

XXXX XXXX
Consumer complaint received 2022-05-13
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)

I paid off my mortgage. I am requesting that the company mark my Credit report as Paid in Full. I had filed Bankruptcy XXXX but the mortgage was not included. That was XXXX in 2017. I have attached documentation from the mortgage servicer that is was paid in full and also the wire transfer document.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly review the attached documents. I urge the bureau to start an investigation into these accounts, as I am always on time, yet they are incorrectly reporting me as late.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express offered me XXXX Membership rewards points if I activated " Pay over time '', their version of extended payment option. I did that on the same day, have the proof that I did so, but Amex is refusing to issue the points citing that " the offer was not triggered for your account due to which you have not received the XXXX Membership Rewards points for activating Pay Over Time. '' When I asked if they could issue the points manually, the response was " I am afraid as we will be unable to manually add the points to the account because this is an automatic process, and the points are issued by the system automatically provided that the terms are met. '' Since I did what the email said I feel I'm absolutely entitled to the points and not responsible for Amex system issues.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Consumer complaint received 2022-05-13
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. (TN)

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

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-21
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. (TX)

Haven't got any response from Experian. They have a derogatory remark on my credit report as Bankruptcy and they haven't verified the item. Got a letter from the court stating that they are not reporting to credit bureaus and have my information freeze.
Consumer complaint received 2020-12-21
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. (FL)

I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX  XXXX  XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I was surprised when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence. This company is exaggerating the amount of debt. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. Additionally, this account continues to be a mystery to me, please remove this entry and cease and desist all future collection efforts because this company failed to validate. I do not have a financial obligation with you ; please delete this reference on all credit reports Original creditor : XXXX
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

This is a complaint against Transunion for inaccurate credit reporting. Collection agency is XXXX, original debtor was XXXX for the amount of {$340.00}. The total amount was paid, by me, to collection agency XXXX in the amount of {$340.00} ( including XXXX fees of {$4.00} ) in XX/XX/2019 and the amount was posted as a debit to my bank account on XX/XX/2019. XXXX has sent my final statement showing the full amount of {$340.00} has been paid, amount due is XXXX, statement dated XX/XX/2019. XXXX has removed this negative mark from my credit report but after numerous disputes, Transunion will not remove it.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have disputed the accuracy of the late payments with XXXXXXXX XXXX, with the results being the same. I called Equifax to provide documents that I received from XXXX. I was not able to upload the documents. I have spent hours trying to get to someone to assist me. The process is not designed to help consumers. Because of the improper reporting of this account I have been denied my mortgage loan which ha cost me money, stress and homelessness.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX

has violated my rights. I did not authorize the credit inquiry. 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
Consumer complaint received 2022-05-13
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. (MA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX  ACCOUNT # XXXX, ACCOUTS # 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 SECTION 2.

IT ASLSO SAYS, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A, ACOOUNT WITHOUT MY WHITTEN INSTRUCTIONS.

DELETE ACCOUNTS PLEASE!
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (MA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX  ACCOUNT # XXXX, ACCOUTS # 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 SECTION 2.

IT ASLSO SAYS, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A, ACOOUNT WITHOUT MY WHITTEN INSTRUCTIONS.

DELETE ACCOUNTS PLEASE!
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

my boyfriend went through XXXX XXXX ro get a car somehow my name ended up as cosigner it got reposessed it say on my credit i owe XXXX i called them they said i owe XXXX i asked why it was different they wouldnt answer me told me if i dont pay full amount of XXXX and that was it i really need thos off my credit and with them lying and not coorperating i will never get it off my credit
Consumer complaint received 2020-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

This issue is about Capital One case number XXXX. On XX/XX/2020 I file a chargeback case with Capital One for a purchase with XXXX XXXX for the amount of {$5000.00}. On XX/XX/2020 we resolved the chargeback for {$5000.00} at which then Capital One rebilled these funds back to the merchant XXXX. The transaction listed on the bill is XXXX XXXX XXXX. 

XXXX is requesting information specifically from Capital One regarding the outcome of the case. XXXX wrote " You just need to contact your card issuer 's dispute department. Provide them the XXXX case ID ( XXXX ) as reference and let them know the status of the case on our end which is still open so they can process an update. '' If Capital One does not do this I will lose my {$5000.00} along with the merchandise I never received. 

I have spoken with Capital One and they get all defensive and say they can't do that. I had an issues with Capital One trying to cancel the chargeback. I was not allowed to cancel the chargeback the merchant had to cancel the chargeback. After about 100 or so calls I asked " do you have a fax number? '' from there I was able to have the merchant cancel the chargeback. Why I explain all of this? It was Capital One 's canceling process. 

With XXXX this is their process of closing filed chargebacks. They want to hear from Capital One about the case so they can close the case and release funds to the merchant. I do not see why I have to come here and file a complaint for something that is a simple task that they have fought me on.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The merchant - XXXX XXXX charged me {$1000.00} twice. I contacted them and they wont return my calls so I contacted BofA to dispute the extra {$1000.00}. They have yet to provide at least a provisional until the matter is resolved. 

The rep told me it could be 90 days before I would receive those funds back.
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (PA)

I consumer, XXXX entered into a consumer credit transaction with Discover starting in 2015. Discover violated me in the following ways. I did not receive enough information to verify debt, or any mail notices to my current address after my request to them to verify the debt they claim I owe. I keep getting harassed with email notifications from Discover with my personal information and not disclosing they are in a attempt to collect debt from me which is a violation according to 15 USC 1692d. Discover closed my account without my consent, due to a bank issue. After account was closed without my consent Discover continued to charge me late fees for months after account was closed without my consent.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

This is XXXX XXXX submitting this CFPB complaint to request to the Credit Bureaus once more to remove the remaining account and information that resulted due to identity theft. I sent another dispute letter on XX/XX/XXXX, as my 2nd attempt to inform the Credit Reporting Agencies that I have been a victim of identity theft and I dispute certain items in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Please block the reporting of any information in my credit file that resulted from the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act section 605, the Credit Reporting Agencies are expected to remove the disputed items from my Credit File within the time allowed by law.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hi I am submitting this XXXXXXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job oXXXX XXXX now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NE)

I was charged {$380.00} by a hotel around XX/XX/2019. I did not authorize the charge and wasnt even at that hotel on the XXXX. I talked to manager at location. I sent a letter and an email asking them to review their statement and correct the error. There was no response to my effort. I filed a dispute short time after. It is now at 90 days since filed amd there has been no settlement or judgement made. It is nearly impossible to contact the bank DIRECT EXPRESS and when I do get them its put on hold and switched to differemt department
Consumer complaint received 2021-11-08
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: JPMORGAN CHASE & CO. (NC)

JP Morgan Chase has conducted a hard inquiry against my credit and it is on my XXXX XXXX XXXX credit reports. I have no accounts with them have never applied for anything through them and they agree upon discussion with them. But they can not provide any details or do anything about the inquiry. In short, there may be a credit card out there which I have not applied for being used by someone not me. I have worked hard to have perfect credit. And this unauthorized inquiry is now on my report, and maybe worse in ongoing. It is boggling to me that they can just say sorry we have no record of this when it is clearly in their systems and there is a hard record of their inquiry. They even called me with a potential fraud alert ( no idea how they got my cell phone number ). That is the only reason I knew it was ongoing. 

Inquiry details : JPMCB CARD Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX DE, XXXX
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

XXXX, XX/XX/XXXX was my daughters birthday my family and I planned a trip to XXXX while I was out there I misplaced my XXXX XXXX  debt card, I called them and notified them and they told me I can receive my funds through western union. The XXXX XXXX  representative was very helpful and set the wire transfer up for me and gave me my confirmation number. The transaction was for only {$400.00} confirmation code XXXX and it was from my account. when I went in to the XXXX XXXX branch in XXXX the lady that assisted me told me that someone had already received the funds. The western union was across the street from my hotel so I know nobody picked the money up so I called western union and was told that there was a compliance issue and that XXXX XXXX  would need to call them to confirm the transaction. I hung up and called XXXX XXXX and they told me they would call to confirm the transaction. The rep called me back and told me that the funds would be returned and that something went wrong. Im not sure what could have went wrong. The whole transaction was misleading and it ruined my whole entire trip to XXXX and my daughters birthday. As if that wasn't enough they told me the funds would be returned and they have yet to returned a dime to me. this is very unfortunate how these big companies take advantage of day to day consumers and mishandle our funds.