davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-11
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I used XXXX points to book a trip with chase ultimate rewards. After 10+ hours on the phone with them they finally emailed me the ticket confirmation, which says the trip is booked and no additional fees are due. That was on XX/XX/2021. That day a representative also confirmed the tickets were booked and no additional fees were due. 

On XX/XX/XXXX, the day of the trip, I took the confirmation to the airport with all my bags. The airline told me the ticket hadnt been issued, they could see the booking but it was being withheld by chase. I got chase on the phone and they dragged out our call foe 75 minutes, refusing to fix their error because it would cost them too much After the booking window closed for my flight, I was forced to beg the employees of XXXX XXXX to let me pay them on the spot to book the tickets chase said they had booked, then refused to issue. 

This cost me {$17000.00} - money I dont have, but I didnt have a choice. I am going to XXXX for a wedding I cant miss. 

Chase gaslighted me on the phone so long I had to RUN over half a mile from the XXXX XXXX ticketing desk to XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, carrying my bag. I was injured in the process but once again had to make the choice between missing an event Id been planning for months and appropriately resolving the situation. I boarded the plane sweaty ans injured for a long haul flight
Consumer complaint received 2021-04-02
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)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Credi : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Orig Cred : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Credi : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

CapitalOne continues to report inaccurate information on my credit report with XXXX, XXXX and XXXX without sending in proper documentation as proof that the account is in fact my debt ( NOT A BILL STATEMENT ). This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (MD)

On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until LOANCARE took over my mortgage and I had a complaint against them before and the LOANCARE said that they remove my Loan form my credit report, now I just checked my credit report and LOANCARE still showing in my credit report, I want LOANCARE to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with LOANCARE, I believe the LOANCARE did a violation of the Bankruptcy.
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I do not owe or recognize the erroneous debt of {$2700.00} which National Credit Systems have been reporting on my credit profile with the credit bureaus and have woefully ignored and failed to validate my request to legally validate my request per Section 609 of the FDCPA ( Fair Debt Collection Practices Act ) or delete it with deliberate speed. 

Thank you! 

XXXX XXXX
Consumer complaint received 2019-11-12
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. (AZ)

I have contacted Experian on three different occasions I advised them that I have been a victim of identity theft I provided them a police report and told them that the XXXX account is not mine and I didnt authorize this account I also advised them of inquiries that were not mine. The XXXX account is not mine and there refusing to remove it even though I have a valid police report
Consumer complaint received 2019-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

The collections company refuses to honor a letter direct from the company clarifying that there was never a debt on my account associated with my social security number. I had a perfect payment history. 
I've never had any debts go to collections and I am adamant about strong credit history. This error is false and incorrect.
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (TX)

Hi I have addition information regarding a former complaint XXXX. 
The erroneous information was deleted from at least 3 of the consumer reports. Thank you Lewis McDonnell and Associates. I sent Lewis McDonnell and Associates an Affidavit and an invoice. They did not properly respond to the affidavit. Please see attachments.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST REPUBLIC BANK (CA)

https : //www.firstrepublic.com/bankingonline website is broken. It's been several weeks now and First Republic Bank still refuses to respond to my communications reporting the problem. 

After login credentials are inputted, it hangs on a blank page. This happens with multiple browsers including XXXX and XXXX. It used to work OK and nothing has changed on my end, so something broke on First Republic Bank 's side. 

Could CFPB please help me get First Republic Bank to ( a ) respond to my communications, and ( b ) fix the issue with their web site? Thanks!
Consumer complaint received 2020-05-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (WI)

I have a vehicle that I purchased that was totaled. I had to get insurances that were obtaining information to send payments to the finance company. I reached out twice a month to the finance company to make sure I could still make my payments but they advised me to not make the payments due to the gap payments pending. I have contacted them during the Covid epidemic and asked them to use that for 90 days as a grace period while the gap payments were still pending I attempted to make a payment and was denied since they were not able to make payment plans and they wanted me to pay the full amount but they did state that they had received the gap payments but the amounts were not disclosed in the system yet.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I closed my credit card on XX/XX/XXXX after getting fradulent recurring charges appearing on it even after reporting the issue everytime and then getting the card blocked to get a new one. 
While closing the credit card, I had yearly membership fee of {$500.00} for the year XXXX along with {$65.00} worth of purchases I had made. I was told that after I pay the purchases, I can cancel the card as the fees will be reversed. Now after being charged interest and late payment fee on the yearly membership fee, the oustanding amount has reached {$610.00}. On every call with customer care, I have been told that the issue has been handled and that there is no action needed from my end. But still every few days, I get call/email asking me to pay the outstanding. Today after being on call for 50 mins where I was transferred from collections dept to customer care and then to security and then back to customer care, the issue remains the same. 

I finally got hold of customer care representative over chat and he mentioned that I will have to pay the fee which will then get refunded. I asked him to provide me this in writing because this was not told to me when I cancelled the account, to which the person said that because of security reasons they can not give this in writing. I have taken screenshots of the said conversation as evidence because no one seems to be willing to answer/clarify but rather seem to be interested in bouncing off the calls from one department to another.
Consumer complaint received 2019-11-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

Well all together I think I'm in debt about 3,000 well sadly 2 years ago I lost XXXX  apt in a fire and all 5 of my cats I had 11 years from babies passed away ive had to move back to XXXX  cause I had no where else to go XXXX  job don't offer insurance so I got on medacaid and don't understnad why they can't help me in still struggling living out of a suitcse then today I lose my car motor locked up so now I'm having to walk to and from takes me ablut 45 mins in the freezing cold I can't affors to pay these off nor afford a payment plan they wanted 50 or more a month but I can only afford about 20 and they wouldn't accept it so I'm stuck so deep in a hole idk I can get out of
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the account completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Santander Consumer USA Holdings Inc. (NV)

I have a loan with Santander. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX & XXXX  and Santander with no successful resolution. XXXX, XXXX  & XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2015.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MA)

I have always had on-time payments and I recently checked my score and became aware that last year in XXXX there was a late payment. I have not changed the auto-pay date on my account so there must have been an error with the payment system or auto-pay. I have been paying everything from auto-pay since I got the card, and I was never sent anything about a late payment or a notice of the late payment to file a complaint about it.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-12
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: EQUIFAX, INC. (NJ)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) ****
Consumer complaint received 2019-03-02
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. (NC)

I recently received my personal credit report and found that an account with XXXX XXXX is listed as past due and 90 days late the account shows an account balance when in fact the account is not past due or holding a remaining balance as it was paid in full months ago
Consumer complaint received 2019-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WV)

{$530.00} was pulled from my checking account on XX/XX/XXXX without my authorization from Ditech. Ditech had no information on their end that they had even done this. I had to have my bank send them a fax stating that they had pulled the money from my account. This overdrew my account and I was several states away and had no money for gas to get home. This also caused me {$92.00} in bad check charges. ( which I still have not received from Ditech ) After numerous phone calls, over several days I was told by " XXXX '' that this was a glitch in their system and that a current project called XXXX was the cause. It caused ACH debits on consumers accounts without their authorization. I talked with XXXX on XX/XX/XXXX and stated that they could go ahead and apply the payment of {$530.00} to my account for the month of XX/XX/XXXX. My payment for XXXX was supposed to be {$420.00}, not {$530.00}. I told her to go ahead and apply the over payment as principal. This would also allow my XXXX payment to be considered on time. 
On XX/XX/XXXX they refunded the {$530.00} back into my account even though I had requested it to go toward XXXX 's payment on XX/XX/XXXX. That now looks like I missed XXXX 's payment. With my checking account being overdrawn for over a week because of XXXX, I was not able to make other payments towards other bills thus making them late. This is not the only XXXX up that they have done with us over the years.
Consumer complaint received 2022-10-08
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: Applied Business Services, Inc. (FL)

In accordance with the Fair Credit Reporting act This account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-06
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Equifax has not released my inquiry after it has been proven FRAUD. 

XXXX ( 2 ) inquires XX/XX/XXXX XX/XX/XXXX I have sent police report, FTC report and I have reached out to the company XXXX who have verified these ( 2 ) inquires are fraudulent. 

I have reached out to equifax to rectify this problem ( 6 ) different occasions. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX Equifax needs to block and delete these ( 2 ) fraudulent inquires ASAP! By law this is illegal and my next step is to take all parties in involved to small claims court. 

You have 30 days from today to rectify this issue, meaning delete both fraudulent inquires from credit report.
Consumer complaint received 2020-11-04
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: Commonwealth Financial Systems, Inc. (DC)

I sent letter to request investigation into account. It has been more that 60 days and I have not received any results back. I understand that the credit bureaus have been given an additional 15 days to reply which that time as exhausted as well.
Consumer complaint received 2019-11-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

Chase ( and my dedicated relationship manager ) refuses to acknowledge my name on the deed of assent to my home inherited from my deceased father-in-law ( military veteran ) even though it is my legal name and my legal name is clearly typed on the deed of assent. This deed of assent was prepared by an attorney and accepted and filed in our county clerk of courts office in XX/XX/XXXX. I have sent this deed to Chase and my dedicated relationship manager 61 times since XX/XX/XXXX but they just keep telling me that they need a deed with my name on it and repeatedly ask me to send my deed of assent to them again. 

Chase also refuses to acknowledge my homeowners insurance verification form. My dedicated relationship manager has told me that he can not find these documents even though I have sent them to Chase 61 times since XX/XX/XXXX. Receipt of our documents arriving at Chase from XX/XX/XXXX to XX/XX/XXXX has been confirmed by USPS certified mail, XXXX, XXXX, Chase branch bank managers, and a specific person ( unnamed for this complaint ) in the " Chase Customer Life Events Department '' on the afternoon of XX/XX/XXXX.
Consumer complaint received 2021-01-23
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. (WV)

In XXXX I purchase a used XXXX XXXX XXXX. XX/XX/XXXX I was involved in a vehicle accident which totaled the car. My car loan was through XXXX XXXX. Once I could I made a payment plan on the vehicle through them and paid off what my insurance couldn't cover. The insurance made two payments one for XXXX and another for XXXX then my payment plan started XX/XX/XXXX for XXXX  a month. On XX/XX/XXXX I made my last payment of XXXX that payment wasn't due until XX/XX/XXXX and they are trying to say it was charged off so it is hurting my credit score dramatically and if this isn't resolved I've contacted my lawyer to file a law suit.