davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-18
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. (AZ)

XXXX XXXX XXXX have filed via XXXX XXXX. that I owe them {$160.00} for services on XX/XX/16. 
I was quoted by Manager {$110.00} for the service. 
The cleaning was very inadequate and 5 items were missing from my home. 
I attempted to work things out about the pricing and that things that were missing but the Manager never responded to my call. I called again the next day and explained the situation and the Manager ... .just sat on the phone not responding! Never said a word!!

My XXXX comments never even got a response!
Consumer complaint received 2021-02-26
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One says I missed 4 payments in a row I'm telling them my credit report I only missed two payments. XXXX I sent a payment it shows on my other capital one card. 
If you look at the Chart I uploaded of my credit profile. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late. XXXX is 60 days which would have been 90 days late, and XXXX is 90 days late which should have been 120 days late. My monthly balance is showing inaccurate balances, The date open is wrong, my high credit is reporting wrong, Credit limit XXXX  has XXXX limit??, Last reported all dates are displaying different. Date last active is off by a year. And last but not least Date of last payment have 3 different dates. This account is not reporting accurate at all please remove from my credit profile or fix the inaccurate information ( All so I would like a complete print out of my payment history I am requesting it once again and they will not send it all they do is update dispute is resolved. 
This account XXXX is totally reporting inaccurate on my credit file.
Consumer complaint received 2019-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-15
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. (SC)

XX/XX/2022, I have disputed a bankruptcy with nationwide consumer reporting agencies Equifax, XXXX and XXXX. They are reporting an inaccurate bankruptcy in my public records. So I did some investigating and contacted XXXX. XXXX sent me a letter stating the nationwide consumer reporting agencies reported the address XXXX XXXX XXXX, XXXX, NC XXXX back to XXXX when I disputed this bankruptcy. I ( HIGHLIGHTED ) the sentence of the ATTACHED document. THIS ADDRESS IS NOT ON MY CONSUMER CREDIT REPORT. I also called the three credit agencies and recorded the call. I asked the agents if this address was on my report and the agents said, NO. I REQUEST A REINVESTIGATION. Refer your investigation to the document XXXX sent me as evidence that the address is inaccurate and the bankruptcy must be removed. This clearly is a violation of the FCRA 15 U.S code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-09-04
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 believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. 
Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.
Consumer complaint received 2018-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On or about XX/XX/2018, XXXX XXXX XXXX placed a fraudulent account on my credit reports with XXXX, Transunion and XXXX. I immediately filed disputes with each respective agency that the account is fraud. XXXX removed the account within two days. XXXX and Transunion have yet to respond or remove the account from my credit reports. This account has in the past been disputed and proven to be fraud, and XXXX, Transunion and XXXX are in violation of the FDCPA by allowing it to be repeatedly placed on my credit report by various different collection agencies who are selling it to one another and by not immediately removing it from my reports. Likewise, they are in violation of the FDCPA by not adjusting my scores accordingly once the fraudulent account is removed from my reports.
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020, my credit card was charged for an amount of {$190.00} in response of an unauthorized transaction from XXXX XXXX, which is an online car sharing marketplace. I contacted my bank ( CHASE Bank ) to fill a dispute on the charge and they credited my account with the amount of {$190.00}. Curiously three months later, my bank ( CHASE ) informed me that the merchant ( XXXX ) approved the charge of {$190.00} because I took a rental from their customers at XXXX, TX and the transaction should take place. Thus my bank charged me back the {$190.00} into my account. THESE HAS BEEN A TOTAL FALSE STATEMENT AND ACCUSATION MADE BY XXXX XXXX. 
So i contacted the merchant ( XXXX ) to dispute the charge since i wasn't the one who took the rental car from their customer and also XXXX didn't sent a proof of service on XX/XX/2020 so i will find out where this transaction comes from or if XXXX is just making false statement. 
I tried to call XXXX several times and when their customer service knows i am calling regarding that fraudulent charge, he/she acts unprofessionally by putting me on-hold for about two hours before disconnecting their phone. I have been trying to clarifying this dispute many times but it turns to be repetitive and so on. I can say XXXX XXXX is a fraudulent online business trying to use people 's personal information to maintain their profitability. 
Finally i was able to reach one of their agent ( XXXX ) and she/he gave me a case number XXXX # XXXX after 7 months of disputing the charge
Consumer complaint received 2018-02-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

I had a XXXX card that has not had any activity before XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.
Consumer complaint received 2018-02-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was diagnosed with two different types of XXXX in XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX., XXXX on the XXXX scale. 
I went through XXXX and XXXX XXXX XXXX XXXX, the longest 9 hours, to make me a new XXXX.Also 30 nights in hospitals My adjustable loans were planned to become fully amortizing around XX/XX/XXXX. 
In XX/XX/XXXX, I called, went down to the branch, a year ago and wrote to bank of America for a modification to get me back on my feet ... now a full 3 years later it looks like I have beaten both. 
I have been moved from associate to associate and repeated times been asked for the same information, which was lost or " not legible. ( which I have always provided ) In the month of XX/XX/XXXX along, I called, sent e-mails and faxes over 100 times. 
I am 100 % on time with everyone on my credit report, inspite of what I went through. 
I have been a customer of Bank of America of almost 40 years and have never been late on a payment. 
I have heard many horror stories as to Bank of America telling customers, in a predatory fashion, that don't worry " we are here to help '' and the next thing you know they are foreclosing. 
I want to do the the right thing but I need another XXXX lb XXXX on my side ... I'm just asking them to work with me.When I ask for answers, help or a plan ... .they keep pushing out the potential for an answer another month..now we are to XX/XX/XXXX ... ..a full year since I requested assistance.This is not what XXXX XXXX had promised XXXX XXXX and I'm sure congress got the same reassurances from this gentleman that modifications would be handled promptly and the customers contact would be limited to one B of A contact ( I have had close to 10 ). 
Where is the help from tis company that I have been with 40 years ... I'm I becoming just another " mark '' for predatory banking.

During Hurricane Irma, I was given a three month forbearance ... .The Bank  representative said that that money would be put on the end of the mortgage ... I'm know getting indications that the money they differed is due now. This has to be rectified, as well. 


Respectfully, XXXX XXXX
Consumer complaint received 2018-02-18
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: Santander Consumer USA Holdings Inc. (IL)

In the year 2017, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/2017. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -XXXX  XXXX XXXX, XX/XX/2017 -XXXX XXXX XXXX XXXX XX/XX/2017 XXXX, XX/XX/2017 - XXXX XXXX, XX/XX/2017 2017
Consumer complaint received 2018-02-18
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. (NY)

1. I do not recognize the following hard inquiries : XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # XXXX
Consumer complaint received 2018-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

I filed a complaint ( Number : XXXX ) with thd cfpb on XX/XX/18 regarding two collections accounts being placed on my credit report on in the amount of {$500.00} each by Commonwealth Financial Systems.

Commonwealth Financial responded to this complaint on XX/XX/18 stating that they would remove the collections account from all the reports of all three major credit bureaus. However, the company has failed to honor their statements made to the cfpb. As of today, the two collections accounts for {$500.00} each STILL remain on my credit report. 

Furthermore, the company sent the initial debt collection letters to me on a letter dated XX/XX/18. One day later, XX/XX/18 this company added these collection accounts to my credit reports. I had not even received their initial debt collection letter before they put these collection accounts on my report. They did not allow me the opportunity to even dispute the debts in writing prior to adding these negative remarks to my account. These debts do not belong to me. I have since disputed these accounts that do not belong to me in writing. 
The company has in return sent me an itemized statement created by them showing these debts that I do not owe. The itemized statement did not come from the alleged original debtor ( XXXX XXXX XXXX ). I request a full investigation into this company as well as their predatory debt collection tactics. I have contacted XXXX XXXX XXXX directly in person and they do NOT have record record of these debts that Commonewealth states that I owe. I am very concerned about this company and would a full investigation.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Williams & Fudge, Inc (TX)

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 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : WILLIAMS AND FUDGE Account No. XXXX 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 an account without my written instructions.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX XXXX, I the consumer sent out a letter via USPS certified mail with tracking to TRANSUNION LLC, the letter was titled AFFIDAVIT OF TRUTH, NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. TRANSUNION LLC was in receipt of the letter per certified mail tracking on XX/XX/XXXX, XXXX. I, consumer, was in receipt of a response sent from TRANSUNION LLC on XX/XX/XXXX XXXX  The letter that consumer XXXX XXXX XXXX has was a letter stating that TRANSUNION LLC investigated the information I disputed and updated the report. There were two accounts that consumer requested within the AFFIDAVIT OF TRUTH demanding that TRANSUNION LLC Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TRANSUNION LLC is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract for any and all accounts TRANSUNION LLC posts on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent consumer account information to verify. I demanded to see Verifiable Proof of the original instrument of indebtedness ( an original Consumer Contract with my WET INK Signature on contract ) that XXXX has on file of the account ( s ) listed below and this request is not asking for a PHOTOCOPY OF A STATEMENT OF ALLEGED ACCOUNT ( S ) or a PHOTOCOPY of the alleged debt contract but the ORIGINAL with XXXX XXXX XXXX wet ink signature. I was not asking for TRANSUNION LLC to verify the account by simply sending me an updated report with the same information that has been reporting on consumer 's report. TRANSUNION LLCs failure to positively verify these accounts correctly under the FCRA, unverified accounts must be removed/deleted and if TRANSUNION LLC is unable to provide me a copy of verifiable proof, TRANSUNION LLC must remove/delete the accounts XXXX XXXX  and XXXX XXXX
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

XX/XX/XXXX I applied for a secured credit card. My credit report was pulled. I never applied at Navy Federal for any other loans or credit cards. But my credit was pulled without my consent two more times! Once on XX/XX/XXXX AND once on XX/XX/XXXX! My credit was pulled three times in a 17 day period. AT LEAST two of the were without my consent.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (GA)

I, the consumer, natural person, and original creditor, exercised my right to rescind the following transactions with Navy Federal Credit Union for my XXXX XXXX credit card however, Navy Federal closed the disputes I made and failed to credit my account for the transactions. Upon receipt of their requests for additional documentation to aid their investigation of my rescissions/disputes, I provided Navy Federal Credit Union with the attached statement of rescission and the federal law to which I was exercising-15 U.S. Code 1635. 

XXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XX/XX/XXXX {$5.00} XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXXXX/XX/XXXX {$12.00} XXXX  XX/XX/XXXX {$58.00} XXXX XXXX  XX/XX/XXXX {$4.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$5.00} XXXX XXXX  XXXX XX/XX/XXXX {$4.00} XXXX XXXX XX/XX/XXXX {$25.00} XXXX XX/XX/XXXX {$7.00} XXXX XXXX XXXX XX/XX/XXXX {$11.00}
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.
Consumer complaint received 2021-05-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My credit reporting agencies report that Im a authorized user on another persons capital one account. When I call they deny, however I escalated the call 3 times and finally a agent was able to find where I was a authorized user XXXX employee number ID # XXXX, the person Im an authorized user on is a stalker and I have an active restraining order against and has attempted to Kidnap me. I explained this to capital one and stated its fraud they refused to remove me and send me a letter so I could file it with my credit reporting agencies. I never authorized this and never signed anything to authorize this.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I have previously filled a complaint against J.P.Morgan Chase bank which I haven't received any answer or solution yet, Chase bank has repeated the same fraudulent practice again by charging me insuffient fund bank fees by switching transactions and date from XX/XX/XXXX to XX/XX/XXXX, I am a victim of this banks illegal practices and would like cfpb to solve my issue which is financially and emotionally destroying me. 
Every month Chase banks fradulatly charges my account fees from $ XXXX XXXX which puts me behind every month to pay bills on time and support my family needs.