davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
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. (MD)

i have inaccurate and unauthorized credit application on my XXXX report : 1- XXXX on XXXX XXXX-XXXX  2- XXXX  onXX/XX/XXXX 3- XXXX  on XXXX XXXX-XXXX 4- XXXX on XXXXXX/XX/XXXX as well as on my experian report : 1- XXXX  on XXXX XXXX-XXXX 2- XXXX on XXXX   06-2019 3- XXXX on XXXX XXXX  4- XXXX XXXX XXXXXXXXXX/XX/XXXX 5- XXXX XXXX XXXX XXXX XXXX 6- XX/XX/XXXX i worked out with XXXX and i informed with the inaccurate inquiries i fixed my XXXX report,
Consumer complaint received 2022-10-12
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)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXXXXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance : {$4900.00} ), XXXXXXXX XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXXXXXX XXXX, ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX Balance : {$120.00} ), XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (IN)

Email notification of payment due reflected amount lower than the full amount actually due. I found this very misleading. If I hadnt double checked statement online, I may have initiated underpayment leading to interest charges. Actual due is {$290.00} Chase credit. 
Received today on XX/XX/19 : Your credit card payment is due soon Account ending in : XXXX Due date : XX/XX/2019 Minimum payment due : {$25.00} Statement balance as of XX/XX/2019 : {$270.00}
Consumer complaint received 2022-10-12
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was XXXX XXXX XXXX from XXXX to XXXX therefore I could not make any payments or let kohls and child support and XXXX XXXX know until I was XXXX. Im trying to fix my credit and these negatives are affecting my score big time. I tried to dispute all three to get them removed because Ive paid all off. Please help me fix my credit. Also capital one closed a credit card on me today because of my XXXX XXXX 7 years ago. How can one fix credit and rebuild life if no one will help? Im not sure if them closing my account will affect my score but it wasnt right. I dont know what else to do to help me score. Please help me. Thank you for your time.
Consumer complaint received 2022-03-26
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. (WI)

On XX/XX/2022 I sent a letter regarding an inaccurate and unknown thing on my credit report. On this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigate these items within 30 days gave reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly expensive accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has caused my family. furthermore my information was impacted by the Equifax Data Breach which may have resulted in my information to be in the hands of the wrong person.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I have been trying to update my address and add it on my credit report to purchase my home. 
I lost my {$3500.00} in earnest money due to the fact that the address would not allow them to pull my credit file. Im in the process of consulting with an attorney because they Credit Bureau is violating my rights with the federal credit reporting act. I have sent them my drivers license and my ssn card repeatedly with no avail and no resolution. 

I need the address of XXXX XXXX XXXX XXXX SC XXXX to appear on my credit reports as non fraud and a deliverable address to me.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AE)

I am trying to get an auto loan and was asked to provide an update on a credit card from JPMCB that was opened on XX/XX/XXXX regarding a closed account with a balance is {$10.00}. This account was closed XXXX of XXXX with a {$0.00} balance. I contacted the company directly and they told me they could not pull up my account to even provide me any information regarding a card. I need this off of my report as it is incorrect and the company can not assist with the account.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MA)

will not unfreeze my account, also will not disclose the reason of why account had been frozen and each rep spoken with have lied numerous times about situation as well as being rude and ignorant and just completly unprofessional, and as well as supervisors i was trans over to speak with them as well. i need help with this please my account has been frozen for months now and ive been lied to for months on who to call to reslove this ive been lied to and told the state of PA froze the account which is not true at all the bank put a freeze of account with no legitimate honest reasoning why and refusing to give me explaination of why and how to unfreeze, i have submitted every document i was asked over 10 differnt times with proof of phone calls, emails and faxes ive sent. please help
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-10-11
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. (IL)

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. 
XXXX XXXX acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all. 

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 seven 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.

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB.

Thanks in advance
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (PA)

On approx. XXXX/XXXX/21 I was the victim of identity theft, which I promptly discovered. As a result of this identity theft, I had 2 fraudulent " hard '' credit inquiries on my credit reports. I was able to fully resolve this, except for Equifax. Equifax requested very specific documentation to remove the 2 fraudulent " hard '' credit inquiries ( namely : " XXXX XXXX of XXXX... '' & " XXXX XXXX XXXX ... '' ). Equifax wanted a letter from me, copies of ID, and a police report ( please see all of this attached here to this complaint ). I mailed the documentation Equifax requested to them on XXXX/XXXX/21. Today ( XXXX/XXXX/21 ) I checked my Equifax credit report, and the 2 fraudulent " hard '' inquiries are still on my report. I invested hours on the phone trying to figure out why the fraudulent inquiries were still in my report. Equifax acknowledged receipt of the data I provided to them via XXXX on XX/XX/XXXX, but indicated the documentation was deficient in that the police report was not dated. I told Equifax to check the data again, as the police report was dated. Equifax acknowledged the police report was dated, but told me I would have to submit the documentation again. They were very unprofessional. Given that I have supplied ample evidence that the " hard '' credit inquires I am disputing are fraudulent, as precisely requested by Equifax and in accordance with federal law, I would like CFPB to please help me get Equifax to remove the fraudulent " hard '' credit inquiries from my credit report, please. Thank you.
Consumer complaint received 2023-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (CA)

On XX/XX/XXXX I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, Explore Credit tried to debit two eChecks in the amount of {$50.00}. I never authorized this transaction or rescinded the XXXX XXXX XXXX to XXXX XXXX Funds Transactions. 
I submitted a similar complaint in XXXX of XXXX ( Complaint Number XXXX ). Explore Credit had debited my account six times in the amount of {$300.00}. Attached to that complaint are six eCheck images. Explore Credit acknowledged on XX/XX/XXXX, that they would stop processing transactions immediately.
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

This complaint is against the Paypal company, who have been imposing discriminatory, unreasonable, and illegal burden of proof on my company for every transaction we receive, slowing us down considerably in our business processes. 
I have spoken to their customer service and provided all needed information and have the Paypal system set up on my website which required all types of verifications... 
Why am I now and every time being asked for additional verifications though we have systems in place that have already done so? Who in there is being so nosy that they want to see bank statements and purchases from suppliers or additional private information for our business? This causes more security concerns and implications by unqualified third-party companies who could also be sabotaging our business activities... or stealing or business model... 
Now, I am being asked another 5 days after communicating and providing all information. 
Are we being purposely sabotaged to cause business failures?
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (AZ)

On XXXX XXXX, 2017 I scheduled a payment from my online banking bill pay service ( XXXX XXXX XXXX ). The payment, in the amount of {$410.00}, was debited from my account on XXXX XXXX, 2017. I received a call on Friday, XXXX XXXX, 2017 from Santander Consumer USA advising me that my auto loan was 16 days past due. I told them that could not be the case and that I could see the payment being taken out of my bank account. They advised me to contact my bank. I immediately called my bank and spoke with a bill pay representative who advised me that the bill payment was sent and she e-mailed me a copy of the check that was sent to Santander Consumer USA showing they deposited the check into their bank account. I called Santander Consumer USA bank to let them know and ask if I could e-mail them the copy of the check. They advised they are unable to accept e-mail and requested I fax the document. It 's 2017, fax machines are becoming a little rare, but I was able to fax the document in on Saturday, XXXX XXXX, 2017. I  spoke with Santander on XXXX XXXX and was advised no fax was received and to allow 24 hours for the fax to be processed. I called back on XXXX XXXX and was advised still no fax was received. They asked me to fax the document again and to allow 24 hours. I feel that I 'm being scammed and taken advantage of. I have attached the copy of the check to this form.
Consumer complaint received 2022-12-03
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. (MD)

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Here are the remaining accounts : XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX XXXXXXXX Balance : {$800.00}
Consumer complaint received 2022-03-26
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. (CA)

In accordance with the Fair Credit Reporting act Dept of EdXXXX acct XXXX XXXX, XXXX  acct XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer can not furnish an account without my written instructions.
Consumer complaint received 2022-03-26
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. (AL)

In XXXX of ,2022, I filed a dispute with this bureau about the removal of the Outdated addresses of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2019-06-21
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. (KY)

Made payment electronically XX/XX/19 and it said would take 2 days to post. Showed posted XX/XX/19 and taken out of bank account. In the amount of {$9200.00}. On XX/XX/19 used the card and declined. Called the company and was told payment was on hold. We have had the card 3 months and payments have never been held. The decline could have cost me a client. They said they could place hold on our funds of payment at anytime. They have never placed a hold on our payment made by check. What if we was out of country and relied on this card? Its a Sapphire card and you have to have a certain rating to even get the card. The complaint department could care less. They are a big institution and can do whatever they want. They held my money up from me using it for 7 days. It was given to them from my bank, but they would not let me have my money, it was not a check to clear. This is a bad Chase Bank experience. I would recommend no matter how good the perks look, walk away. They lied saying it would take 2 days for payment to post, very misleading.
Consumer complaint received 2019-06-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (TX)

On XX/XX/19, a woman claiming to be XXXX XXXX with Pioneer Credit Recovery called a neighbor that I barely know in an attempt to harass and embarrass me and disclosed private information in  what has to be a violation of the fair debt collection practices act.
Consumer complaint received 2022-12-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-26
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. (AL)

In XXXX of ,2022, I filed a dispute with this bureau about the removal of the Outdated addresses of XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX of ,2022, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX XXXXAccount number XXXX And also the charge off account of XXXX XXXXAccount number XXXX That is reporting a balance when this account was sold to The collection agency XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act this is considered double jeopardy. How can 2 agencies try to collect on the same account?

In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (WI)

I was told by my visa card company that it is another scam attempt to get more personal information from me. They told me to contact you to block my phone numbers. it was a fraudulant attempt to say I made a purchase of {$140.00} from amazon .com The phone number they used was XXXX.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX of XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX XXXXAccount number XXXX And also the charge off account of XXXX XXXXAccount number XXXX  That is reporting a balance when this account was sold to The collection agency XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act this is considered double jeopardy. How can 2 agencies try to collect on the same account? 
In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2022-03-26
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: AMERICAN EXPRESS COMPANY (CA)

Quite simply I have a charge appear on my card once a month from a vendor on an Amex card which they dont know how to fix. They are partners with this company. I havent done business with XXXX ( the company in question ). 

Several ( many many ) phone calls, emails, and no resolution. Every month I am forced to can Amex over the same thing. We have tried to replace the card, block the vendor, communicate with north Amex XXXX XXXXXXXX XXXX but to no avail. Help!