davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (TX)

Cashapp is the absolute WORST company! Theyre all frauds and have absolutely no interest in helping the customer. I filed a dispute and of course they did nothing at all to help me and then turned around and closed my debit card. After sitting on the phone 40 minutes and their agent trying to tell me it was because of unusual activity to a merchant I purchase from almost every day for the exact same order so after I explained that was a lie, I was then told the issue was resolved and the card is open and ready for use. Well once again that was a lie because it declined again so another long hold with customer service I was then told I can not use my debit card because it was closed and her answer to why was she didnt know? This is a scam company and they dont even care to have knowledgeable employees. Im going up to the top with this, to social media as well as an attorney.
Consumer complaint received 2018-02-09
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. (FL)

My name isnt XXXX XXXX that is one error on my credit report. My name is XXXX XXXX so please remove these errors listed on my credit file. 2. All the addresses listed on my credit file is reporting incorrectly and the only address that should be reporting on my credit file is XXXX. XXXX XXXX XXXX FL XXXX. So please remove that error as well along with the inaccurate accounts and inquiries that you have been reporting on my credit file.
Consumer complaint received 2021-06-08
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. (CA)

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX JPMCB Card pulled my credit without my authorization. 

Chase has sent me a letter request the credit agencies remove these inquiries. 

XXXX  has requested me to provide this report.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

In XXXX Equifax started to report my DOB incorrectly. I submitted multiple disputes. It was not corrected until XXXX. I have not been able to view my equifax report through XXXX  or annual credit report.com they both state something is wrong with my personal info at equifax. Equifax is unwilling to help. I called and was sent to a different department. They say they cant even access my credit report. The agents re rude, sometimes I wait on the phone and a agent never answers. Instead it goes to the survey. I can access it on my Equifax.com. Equifax is by the far the worse and most difficult credit reporting agency. I should have access to my credit reports just like I do the other bureaus.
Consumer complaint received 2022-09-15
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. (NJ)

On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help to dispute from a friend of mine, he recommended me to start disputing the inaccurate information, So I did, months went by and I was able to remove some of the accounts, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and I saw a new erroneous collection account on it, I am reaching now CFPB website to file a complaint for this account that is not mine, I am expecting XXXX XXXX XXXX XXXX  '' to be remove from my report because I am not the debtor of this account, hopping for good results to come in my next update credit report.
Consumer complaint received 2022-01-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I never received a letter from Capital One on XXXX XXXX or my address in Wisconsin. I have no way to contact merchant and I did not make these transactions and want these items deleted and not recharged again. The merchant will not respond and I have no way to reach merchant or cancel. The merchant will not respond. These were receiving charging which I did not authorize. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

I went to the hospital because I was having difficulty breathing and spitting up blood, I paid for the services with health insurance ( I worked for and had insurance through XXXX, a pharmacy chain ) over the phone with the hospital and they accepted it but I'm still being charged {$1900.00} for services I already paid for. If it's not usable what's the purpose of paying for health insurance
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (CA)

Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : Credit limit {$900.00} Balance {$1200.00} Action being taken by the company is reporting after 7 years which is a clear violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting multiple accounts on my credit file that need to be removed. I paid off all accounts a while back ago however, they continue to report on my credit and affecting my ability to be able to finance. This is completely unfair as the debt was paid even though I never received a 30 day right to dispute notice for any of the accounts. That is a violation under the FCRA and the FDCPA. I am now asking that Express Recovery delete all accounts from my credit file. I am aware that Express Recovery has the ability to report this account to the bureaus as they deem necessary. If I do not receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against them.
Consumer complaint received 2020-06-03
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-03-29
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: SYNCHRONY FINANCIAL (CA)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (CT)

Who the heck is XXXX XXXX XXXX? I recently applied for a car loan through a dealer and was accepted as I have outstanding credit. I currently have credit freezes on my and my wife 's credit with the big three bureaus - XXXX, XXXX, and XXXX   because no one can keep our information safe. 

I got a letter from XXXX XXXX stating my credit was denied even though I had a very favorable credit score returned from XXXX XXXX XXXX. The day this was run there was actually a problem with XXXX hitting against XXXX  as I had not un-froze my credit with them. Other banks approved my loan due to my outstanding credit after I temporarily lifted my freeze. 

My questions are these : - I thought there were only the big three credit reporting agencies ( listed above )? 
- Who is XXXX XXXX XXXX? and why has no one heard of them? 
- There are numerous complaints on the web of similar cases, or in some cases XXXX XXXX XXXX reporting scores much lower than they should be or are with the other agencies. 
- I called XXXX XXXX XXXX and all I got was a Voice Mail box. 
- People do not trust providing XXXX, XXXX, a company they have never heard of, their personal information to freeze their credit. And you can not do it over the phone as their web site states you can. 
- XXXX XXXX  is tied to many of the companies online and many people have received letters from XXXX like I did. 

To make matters worse, I am a current XXXX car loan customer and they know my outstanding credit history, and they send me a denial letter? I have called XXXX and ripped them a new one and I'm not done yet! 

I am filing a formal complaint against XXXX XXXX XXXX for providing XXXX XXXX incorrect information about myself and misrepresentation of my credit. This is absurd and this company needs to be shut down immediately. 

Date of transaction - XX/XX/ XX/XX/XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-04-30
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. (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Dear PRA ; ( PORTFOLIO RECOVERY XXXX {$380.00} - - - PORTFOLIO RECOVERY XXXX {$520.00} - - - ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I bought my property in XXXX XXXX. The originator of the loan was XXXX XXXX XXXX and the loan was provided by XXXX XXXX XXXX. The loan was broken into two 80/20. The loan officer at the time illustrated to me that i was getting into a 30year mortgage with no prepayment penalty after 3years of no delinquent payments. My prime concern then was to be able to make accelerated payments when possible.The loan was then distributed to two different sevicers : XXXX XXXX who later transfered it to chase and XXXX XXXX.Chase took over the 20 % part of the loan and forwarded to me a welcome letter in which they failed to mention the maturity date and also continue to not mention it in any of my billing statements for 14and half years ; it was not until last XXXX they conveniently sent me a reminder of the balloon payment and maturity date. The servicer of the 80 % loan always included the maturity date on every bill which continue to reinforce to me that i was in a 30 year mortgage. Mind you i had no reason to believe that one lender could package one loan with different maturity dates without explicitly stating so to the borrower and there was no addendum to the contract.This reminder caught me by surprise as i had no reason to initially believe that a loan been provided by one bank with emphasis on 30-year maturity date will end up been just for the 80 % portion of the loan and the 20 % term was of a different date. The front cover of the loan clearly stated 360-months, this cover also included the 20-percent portion of the loan and there is no where on that form where the 20 % was designated to be a 180-months loan, and throughout the term of the 15-years period i was not reminded of the balloon payments due in XX/XX/XXXX. I was reminded of this in XXXX of last year that my balloon payment is becoming due in may.Upon closer observation of the contract I detected in fine-print the 15-year maturity date which only appears twice in the whole 40 something page contract. And ever since i have been getting different information from representatives of Chase bank about the maturity date of my loan because on their system the front part of the loan is what is displayed, i was even sent an amortization papers stating XXXX as the maturity date, which is whats on the front cover of both loans. So if their own representative can be confused about the maturity date, you can see why i was too. 
I have been paying my monthly payments on time for the last 15 years. I personnaly feel this is a predatory lending practice. Up to date i have paid close to 60,000 dollars from the initial borrowings of XXXX.And the only principal deducted was a little less than 4,000 dollars bringing my balloon payments to XXXX. This might as well be an interest only loan. 
I sincerely hope your input and service will able to iron out a reasonable resolution to this complaint. I will upload supporting documentation to help you make a judicious advocacy on my behalf.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 and XX/XX/2021 I sent factual disputes with proof showing this inaccuracies in the date opened, high credit limit and the comment section.They updated this with the same errors.
Consumer complaint received 2018-02-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION (TX)

I did contact Compass Bank to inquire about how to get back my personal property after a repossession of my car. I was not provided any information on doing so. I had a pair of eyeglasses and a prescription medication left in the car. In response to a previous complaint that I had made. Compass Bank had denied me any compensation or forms of reimbursement. They had stated that in the vehicle report there was no personal property in photographs that were taken of the car. The eyeglasses and prescription medication was located in the consoled of the vehicle. In the report that Compass Bank had sent via the CFPB website there were not photos taken of the consoled. By law a company can not keep or discard eyeglasses or prescription medication. They could have simply sent my property through US Mail but they did not
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I made an online purchase in XXXX for some shirts size xxl. I used XXXX thru Bank of America credit card. The amount was {$68.00}. The shirts came and were way too small. They dont even look to be large. Immediately I tried to contact the merchant. After 3 attempts I called my credit card company. Theyd said to dispute the charge. I agreed as there is NO way to return these products. No return label no answer on the phone. No answer on the email nor messenger. On XX/XX/XXXX I get a letter from Bank of America credit services saying the claim is denied. They want proof that the merchandise was returned .... so I called them right away. I said to them think how silly this sounds. The reason Im disputing the charge is because of an absent merchant non responsive merchant how can I remedy an issue when no one will contact me? They agreed and said they would appeal the decision. Today I received a letter dated XX/XX/XXXX saying they looked into my case again and decision stands. They want proof of return ... ... now I called them this afternoon I spoke to XXXX in Texas XXXX in Texas and XXXX  in Texas. XXXX  manager and they all say there is nothing they can do without proof of return???? How can I get proof of return when the merchant will not respond to me. So I have these napkins they call shirts and cant fight this? Im expected to pay for this garbage? Im so confused and I dont know what to do or who to call. This is truely crazy. I asked them if they have spoke to the merchant XXXX  said yes. But she probally means she spoke with XXXX. Boy the actual merchant. This whole situation is bizarre and I need help.
Consumer complaint received 2018-02-12
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. (CA)

I pulled my report to dispute and I came across this address. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address IdentiIfication Number : XXXX I have no idea how this address surfaced, and I've never been to this city before.
Consumer complaint received 2021-02-05
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (NJ)

Summer of XXXX and the Winter of XXXX Reverse Mortgage Solutions ( RMS ) Inc inaccurately and negligently claimed my primary residence was vacant. I both called and emailed the company on multiple occasions to correct this. RMS placed my loan in default due to a covenant on vacancy incorrectly. This error and 6 month period to not resolve resulted in listing my home online as foreclosed ( see XXXX and various online real estate platforms ). To make matters worse I was assessed a litany of frivolous and inaccurate charges. The company is highly unethical and has inept staff. Further evidence such as action take by the NYDFS and the Kentucky Dept. of Financial Institutions further demonstrates a persistent and pervasive series of control failures. The firm 's agents knowingly exploit older, federally protected classes ( I am a XXXX XXXX Veteran ). Expectation is compensation for decreased home sale value due to inaccurate listing as foreclosed.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (OH)

In XXXX of XXXX Afni INC XXXX XXXX  XXXX, XXXX, IL XXXX Reported to the credit bureau that I owed them money form and XXXX XXXX XXXX account. I have never heard of Afni nor received and correspondence stating I owed them money. I mailed Afni a letter return receipt requested asking for proof that I owed them any money as I have never had an XXXX XXXX XXXX account. 
I never heard anything back I fought the fictitious entry on my credit report and it was removed I then noted the XXXX XX/XX/XXXX settles with Afni for credit bureau reporting violations. 
Well afni is still doing it!!! Please DO SOMTHING ABOUT IT!!!!

The reported incorrect info to the credit bureaus about me.