davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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 am reaching out to report a Fraudulent Credit Card account with XXXX  XXXX XXXX ( Acct # XXXX ) that is currently being reported to my Credit reports with all credit bureaus and I am asking for your assistance to Immediately delete this fraudulent and incorrect reporting from my credit files, since I have already tried to dispute it with the Credit Bureaus and they have failed to take action. 
This account was not opened by me and I never consented to a Credit Card with XXXX XXXXXXXX XXXX. I called XXXX XXXXXXXX XXXX regarding this fraudulent card in hopes that they would help me settle this issue and remove this fraudulent reporting and they have not done anything about it to this date and have referred me to dispute it with the Bureaus, even after speaking to multiple representatives at XXXX  XXXX XXXX. XXXX XXXXXXXX XXXX informed me during one of the conversations with them that this Credit Card was opened inside of a Branch in Florida. I am not sure how this happened as I was under the impression that banks were required to check ID and collect a signature for all credit products opened. 
I live in California and I have proof that I was here in California and was at work on the date that they claim this account was opened ( XX/XX/XXXX is the opening date according to my credit reports ). I work for the XXXX and XXXX of XXXX XXXX in California and I am attaching copies of all my pay stubs received during the period that this card was supposedly opened by me at a Branch in Florida so that you can see that I has here at work in XXXX XXXX, CA and did not take any time off of work during that period. How could the card have been possibly opened by me at a branch when I was across the Country and not even a driving distance from that branch on the date it was opened? Find my XX/XX/XXXX Paystubs enclosed. 
I filed a Dispute with the Credit Bureaus last year in XXXX ( XXXX ) and the results of their Investigations all came back saying that the account was verified. I am not even sure how they were able to verify an account that was NOT opened by me, and which means of verification they used for their investigations. 
If you need any additional information from me, please do not hesitate to contact me at ( XXXX ) XXXX. 
I look forward to your assistance in resolving this matter and helping me completely remove this fraudulent and inaccurate reporting from my credit files. 

Thank you for your assistance! 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning Experian reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that Experian can change the balance owed to zero ( XXXX ) and take the word dispute off my credit report.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

Equifax once again is doing nothing but saying the have verified a debt it is impossible for them to do so XXXX is not being report but data mined the debt is in the amount of XXXX and they would not be able to verify it with the court I not able to please give me the name and the number of the person who does I will need to talk to the before court Equifax will not stop the practice of sharing my information with whom ever when ever
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I spoke with a rep at Equifax after about my 24th attempt about having XXXX of the inquires off my report that were not mine. I had been sent back and forth between the creditors reporting and the agency several times. They were just running me in circles. The rep apologized for what I had been through and she said she was removing all but the XXXX XXXX which is actually my only one. I was also told I would get something in writing, neither action was taken. This was over 3 weeks ago
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (UT)

Apparemtly I have XXXX Tax liens on my credit report that should not be there. The Tax lien 's do not specify what they are for. I did own and sell a property located at XXXX XXXX XXXX, Idaho XXXX under a short sale contract. This would be the only thing I could think these tax lien 's are for. However I sold that property and all late house payments and taxes due were caught up and paid from the final sale of the above said property.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I have disputed several inquiries many times with Equifax and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me to Equifax. These were not authorized. 

XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 I am requesting information on how Equifax conducted their investigation into my previous dispute ( s ).
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AL)

Equifax Credit Bureau continues to allow XXXX XXXX to report fraudulent information towards my credit report. I have filed several complaints concerning this issue. My Equifax credit report has this account as a " charge off '', delinquent, and 90 days past due 26 times. This account was included in a chapter XXXX bankruptcy on XXXX 2011. The account has been paid in full. My complaint is with Equifax for allowing this company to report fraudulent information. I 'm requesting to see the documents Equifax received from XXXX XXXX concerning this account. In addition, Equifax has two XXXX 's accounts listed on my credit report. I had only one. The bankruptcy is public record and had Equifax done a thorough investigation, I would not be having to file another complaint.
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XX/XX/2022 at XXXX I was denied auto loan of {$39000.00} by Toyota XXXX. I requested the salesman for a letter that states the reason my loan was denied, the salesman refused to provide me with the letter. I requested to speak with the salesman manager, the manager refused to show me the letter then I told him I have the right to know the reason for my loan denial. He went back to his office and few minutes later, he came back with a letter stating Insufficient credit history I told the manager that I have had credit for over 2 years and I have been approved for $ 50000.00+ loans before, bought cars before without credit score and with credit score and I now have an excellent credit score. Also, I told them that my current auto loan is with Toyota Financial Sevice so not sure why Toyota would deny my auto loan this time. From the beginning of my visit, the salesman seemed like he had an issue with me not sure why, but he was rude to me. I asked them if I need to get a co-signer and they said no and walked away. I love Toyota and I have always had great experience with Toyota but this time at Toyota XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I sent certified letters out to : 1.Experian 2XXXX 3. And XXXX. Telling them I never lived at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX ). XXXX is the only bureau that checked their sources and depleted it off their report records. To this day, Experian XXXX XXXX has not. I think I may still have a copy of those letters. I have one more place I can check tomorrow If not I will go ahead with the following. Please find enclosed downloads which I investigated showing that this address is a business address and not a residential address.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (AZ)

I was informed by letter by XXXX VISA that the company would be switching to mastercard. This switch would take place beginning in XXXX and the old VISA cards would remain active for 30 days after receiving the new mastercards or until XXXX 2015. However the company canceled my Visa card before the new mastercard arrived. This caused my automatic payments to be declined causing me additional fees. This also occurred while I was in a different city, effectively stranding me without my only credit card. I contacted the customer help number on the card and was informed that after an account has been canceled there was nothing that they could do. The representative did offer me {$50.00} for my inconvenience and offer to rush ship the card, but that did not help that my auto payments have been declined and I had the card canceled while I was in a different city.
Consumer complaint received 2023-03-17
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol Bank is reporting false account and information on my credit file. 

I request the an original Consumer Contract with my Signature on it that is required to be on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA,  unverified accounts must be removed and XXXX  was unable to provide me a copy of verifiable proof, XXXX XXXX must remove the accounts listed below.

Attached police report and FTC report. Forward to creditor.
Consumer complaint received 2022-02-08
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 is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (MN)

Discover continues to state my balance incorrectly. Please see attachment. 

A last statement balance of {$310.00} plus the transactions of {$15.00} is {$320.00}. 
Discover is saying my current balance is {$460.00}. They are trying to get me to pay an additional {$130.00}.
Consumer complaint received 2015-06-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is reporting, or rather holding to what Countrywide previously reported, that I was XXXX days late on paying my mortgage on XXXX different occasions. I have disputed them with the XXXX different credit reporting agencies but BofA, I feel does n't do a proper investigation into the matter and will not take the negative claims off of my report.
Consumer complaint received 2023-03-17
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. (OH)

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. 

Account name : XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXXXXXX Account # 's XXXX, XXXX Account name : XXXX XXXX XXXX Account # 's XXXX Account name : XXXX XXXX  Account # 's XXXX, XXXX These accounts have 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 reporting agency can not furnish an 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 reporting agency if the person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I do not owe the XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial (IL)

the company called and did caller id spoofing showing on the caller id that they were with the XXXX county clerks office and said they were going to summons me the following day for fraud for not paying a debt owed to XXXX   XXXX. they gave me an " attorneys number for XXXX XXXX  XXXX XXXX they also gave me an affidavit number of XXXX. When i called the number they threatened that i was going to be served for fraud and malicious behavior to a financial institution and demanded a payment of XXXX via debit card immediately. then when i refused she said she spoke with the " attorney '' she offered for me to pay XXXX/mo for 6 mos. when i then refused that and asked to speak to the attorney she said he would not speak to me. i ended the call. 

The following day i called the number again and demanded their company name as they do not disclose it when they answer the phone. She refused to give it to me and kept asking me who i was trying to call. i asked if they were a law firm and she hung uup on me. i called back and she gave me an address of XXXX XXXX XXXX XXXX. XXXX il. and told me she was giving me notice to not contact them as it was harassment to them. I told her that they were harassing me and they were the ones committing fraud and she hung up on me. I researched the address she gave me and it does not exist in Illinois. it shows as a residential address in Washington. I called the XXXX county clerk and explained the situation. The clerks office said they would report it to the sheriffs department. I wish for the company to cease collecting on debt and provide me with proof of it. i also wish to receive compensation of XXXX for damages. I will also be contacting the attorney general.
Consumer complaint received 2018-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I received a letter from a XXXX XXXX XXXX XXXX XXXX. saying that I owe them {$14000.00} on behalf of Fifth Third Bank. As Ive already explained umpteen times to Fifth Third, the charges that make up this balance ARE NOT MINE!!! I will not pay a penny of this because I do not owe this. They said to write within thirty days if this debt is invalid. So this is my letter and the CFPB is my witness. The debt is invalid!!!
Consumer complaint received 2020-10-17
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: CBC Companies, Inc. (PA)

I keep writing innovis and they keep asking for documents. I keep sending them everything they ask for and they are reporting fraud information on my report also they are using a automated system instead of dong the validation manually. Im at my limit with this company ignoring my request.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc. (TX)

Conns I've been fighting these blasphemies against my credit since 2013. Conn 's is the reason why I'm XXXX and still can't get a car to drive my children to school, parties, gatherings and myself to my job, shopping, house needs, entertainment, etc. I cant get a loan anywhere, they just in XXXX approved my first credit card with only {$300.00} limit. My social life is affected by it, my self-steam, my interaction with the business/outer world. Conns Ruined my life and continues to do so with false statements and allegations about an unknown account I never had consciousness of.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

On approximately XXXX/XXXX/15, I did a balance transfer to Firstbank Card. The offer from Firstbank Card was 0 % for 12 months, with a 3 % balance transfer fee. A few days ago while going over the the credit card statement from Firstbank Card I realized that I had a finance charge of {$160.00}. I called first bank so that they could explain. They stated that the balance transfer was at 0 % for the first month and thereafter at 16.99 %. I stated that was an error made on there part and insisted that they listen to the audio recording which took place during the initial transaction. On XXXX/XXXX/15, I was advised by a representative as per supervisor XXXX out of the XXXX, Nebraska office that the audio tape was indeed listened to and that I did agree to the terms that they claim. I am pretty upset as I feel as I was duped, being that I would never agree to such a transaction.
Consumer complaint received 2018-11-30
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. (MA)

I disputed a charge at the end of my lease. The lease holder was XXXX XXXX. While in dispute, I continued to try to contact both the auto dealer and the leasing company. I did not get a satisfactory answer from either, and as a result chose not to pay the bill. XXXX and the XXXX dealership basically ignored the complaint, and I finally surrendered and paid the invoice. 

To my shock, this negatively affected my credit rating severely, which will have a material effect on my ability to borrow. My rating was approaching XXXX, and this tiny issue of less than {$400.00} dropped the rating to XXXX.
Consumer complaint received 2020-10-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

Sold residence in XXXX ; escrow funds were never received. Located funds in unclaimed property, {$2500.00}, with the State of Illinois. Submitted paperwork for signature verification by a notary to firm in  XX/XX/XXXX. Still waiting for documents to be sent to the State of Illinois. State of Illinois has closed claim for a lack of activity. See  below. 

Unclaimed Property Time Line XX/XX/XXXX Discovered unclaimed property on website ; claim filed XX/XX/XXXX Required documents notarized at bank XX/XX/XXXX Mailed documents to State of Illinois to process claim XX/XX/XXXX Received verification form from Illinois via email XX/XX/XXXX Emailed verification form to XXXX XXXX at Dovenmuehle Mortgage Inc. 
Received acknowledgment of email received from Ms. XXXX XX/XX/XXXX Sent email to Dovenmuehle Mortgage Inc. asking for status of claim No response from Dovenmuehle XX/XX/XXXX Called Ms. XXXX at Dovenmuehle for status ; left voice mail ; no response or return phone call XX/XX/XXXX State of Illinois status - dropped for inactivity or duplicate claim XX/XX/XXXX Contacted Dovenmuehle Mortgage Inc. customer service Explained issue to representative asked to speak to a supervisor ; called transferred to supervisor ; no answer ; automated disconnect after preset time ; did not talk to a supervisor. 

Dovenmuehle Mortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 Chase bank closed my account for no apparent reason. I have been a long time customer. They are holding my money and refuse to send it to me. They have my NY unemployment benefits and social security XXXX a combined amount of XXXX. They claim they sent me a letter but they sent it to my account which is closed neither myself or them can open it my old checking account was XXXX I want and need my money I'm behind rent and necessities.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I applied for American Express Platinum credit card on XXXX XXXX, 2016 with an offer to get XXXX Membership reward points after spending {$3000.00} in first 3 months. As of XXXX XXXX, 2016 ( when 3 month period ended ) i spent {$4300.00} on the card. Subtracting credits of {$450.00} my effective spend comes to {$3900.00}. All of my spending are legitimate every day spending. My XXXX points was awarded on XXXX/XXXX/2016 and they were taken back on XXXX/XXXX/2016. I still use the card for everyday spending as of today. i request to issue my points back. Its very very disappointing that they did this being an customer for more than 8 years.