davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Good morning. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXXXXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. They are not helping me remove something that didnt cause by me Chex systems when I call are very rude and not helping. I need to know if Im able to open a account now its been years and I have a right to do that because I never had this problem in my life. This is ridiculous and Im highly upset and if I have to sue the company of not understanding my issue or accusing me this was my fault I will do so. I need some one higher of a company to help me with my issue.
Consumer complaint received 2021-11-18
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: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with 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. Below are the following accounts with erroneous information : JPMCB CARD XXXX Balance : {$0.00} ; JPMCB CARD XXXX Balance : {$0.00} ; JPMCB CARD XXXX Balance : {$0.00}
Consumer complaint received 2016-04-04
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (NC)

I received a netSpend prepaid MasterCard in the mail for which I never completed an application. I have never dealt with this company and do not know how it has my information. Additionally, the card was sent to the temporary address where I am living, which makes me even more suspicious of the company and the offer. A XXXX search showed many other complaints about this company and the fees charged for everything from checking your balance to using the money you load or have deposited on it.
Consumer complaint received 2017-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (GA)

I have reached out to Southwest Credit on several occasion to inform the company that I did not apply for a phone service with XXXX XXXX XXXX the only phone service that I have every had since I was release from prison in XXXX 2012 was XXXX and XXXX.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$330.00} XXXX XXXX XXXX XXXXBalance : {$0.00}
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My loan is included in the XXXX XXXX sub prime loan nys class action settlement. My account was closed per the settlement agreement but they still havent cleared my title, still no money sent to me and they as recently as XX/XX/2021 reported this account as a charge off to all 3 credit agencies with an outstanding balance of {$2200.00}. because of this i was denied a mortgage and my credit score is in the toilet. I have been fighting this company since XXXX was charged nothing but interest for years, had car repo several times and then forced to pay {$10.00} a month just to make online payment because if i mailed it they would hold it until after due date then charge me late fees. They owe me thousands of dollars and my title and now they are ruining my credit. When is this company going to get shut down. I helped XXXX do an expose article on them and they are still allowed to ruin lives!
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-14
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: Avant Holding Company, Inc. (IL)

I am writing this letter in hopes that the CFPB can help me finally resolve this dispute. I received a copy of my XXXX and XXXX credit report and noticed a few discrepancies with how Avant is reporting this account to XXXX and XXXX. I've asked Avant several times to correct my report but they have continuously refused to report this account accurately. 

This account was paid in a settlement on XX/XX/2018. There are several discrepancies with how Avant is currently reporting this account to XXXX and XXXX. I am requesting Avant to thoroughly investigate the discrepancies of how this account is reporting to XXXX and XXXX or delete the entire tradeline which contains discrepant information.
Consumer complaint received 2018-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Midwest Recovery Systems (VA)

This company does not follow the lending laws and regulations of the state of Virginia. When I tried to resolve this issue and stop any further transactions I could not get any resolution nor would they send me documentation of the validity of this loan or online agreement. I no longer can get in touch with them. They have turned the account over to Midwest Recovery Systems for collection.
Consumer complaint received 2022-09-14
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S.C.Code 1666a ( a ).
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MI)

My auto insurance was cancelled on XX/XX/2020. On XXXX XXXX 2020 I was told I owed around {$1300.00} in order to keep the policy. A bill I received as of XXXX XXXX 2020 from XXXX XXXX stated I owed $ XXXX {$600.00} more than I believe I should owe. I contacted XXXX XXXX and was sent a statement of transaction history- that made no sense. When I tried to get details - I was given the same information n and no details. I received a collection notice from Credit Collection Services on XX/XX/XXXX and I immediately sent a letter disputing the amount and demanding additional details on how XXXX XXXX came up with the amount of {$1900.00}. By all my calculations I should only owe around {$1300.00}. On XX/XX/XXXX I received a letter from XXXX with the SAME statement attached and no details. On XX/XX/XXXX I received another letter from XXXX saying they were pursuing the amount of {$1900.00} and would be reporting it to the credit agencies if I did not pay. I sent a letter with all documentation ( Also attached to this request ) again requesting DETAILED and understandable language of how the amount of {$1900.00} came about. If I only owed {$1300.00} on XXXX XXXX 2020, the policy was cancelled on XX/XX/XXXX 2020- why did I get a bill for {$1900.00}? Also, if I divide the amount of the initial policy by the months insured and then subtract out the payments made- the amount comes out even less than {$1300.00}. By my recollection, I only made two changes to my policy from XXXX thru XXXX I added a vehicle for only TWO days ( because I changed my mind and did not purchase the vehicle ) I believe I then added a vehicle owned in our household- that is paid in full- and there is no way this addition for two months would cause an increase of more than a couple hundred dollars for the time I had it insured.
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted written requests to all 3 Credit Bureaus disputing inaccurate information that should be removed and it has been 30 days with no results.
Consumer complaint received 2020-08-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OK)

Chase Banking XXXX XXXX, 2020 : Saving Account wiped of all money via charge description " Debit DDA -Check Charge '', type : misc. debit, for two separate amounts of {$120000.00} and {$82000.00}. Done by Chase Banking. 


XXXX XXXX, 2020 : Checking Account wiped of all money via charge description " Debit DDA - Check Charge '', type : Misc . debit, for 1 amount of {$7600.00}. Done by Chase Banking. 


-Both checking and savings have been closed down as of XX/XX/2020. 
XXXX XXXX, 2020 : Visited a local branch and served by branch assistant manager in locating the money and reinstating accounts. She has no idea where money is, assistant manager called Chase headquarters on my behalf, and they don't even know where the money is. No Cashiers Check can be confirmed sent out to me for all three amounts. Branch assistant manager has no idea if the money is being sent out to me, held by Chase, or in limbo for an unknown reason. I am getting the runaround by my local Chase branch. 


-I am now currently waiting for 5+ days to see if I am eligible and approved to be reinstated XXXX until XX/XX/2020 ), if approved they will only mail the {$82000.00} via cashiers check. The other amount of {$120000.00} and {$7600.00} they have no whereabouts.

-Every time I personally call Chase I am met with the initial representative, then they forward me to another department leaving me to wait over an hour before being automatically hung up on. It is impossible to reach anyone from a different department that may know the true wherabouts of my amounts via Chase hotlines.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2020 I was asked by Capital One Offshore customer service department to email a copy of my drivers license to prove who I am. I have not been able to use my card but once, at XXXX XXXX. When I used my card at XXXX XXXX it declined for {$1700.00}. I have an available credit of {$7000.00} so, {$1700.00} should have not declined. ( note : I have not used this card in a year so, I get it that verification is needed ). I called Capital One while at XXXX XXXX to verify that Im making the charge. They tried to text me on my phone and it didnt go through. Then she told me I had to go home for her to call me on my home phone ( please note I was at XXXX XXXX at the register and my card got declined and she needed be to drive home so she could call me to verify it was truly me ). I came home and they place me on hold for several minutes. They she ( offshore customer service rep ) called my home phone and released the hold. I tried to use my card again to buy food and the card declined. I called capital one and this time they said I had to scan in a copy of my drivers license both front and back and someone will call me in 7-10 business days to release the hold once they reviewed my drivers license. On XX/XX/2020, I received a call from Capital One Document Verification team. The lady name was named XXXX, XXXX ID number # XXXX. She told me that she received my DL however my picture was croped. I told her I did not croped my ID but she insisted I did. She said please scan it in again. This time I copied it and created a PDF form since she said I croped it. 
XXXX said it will be 7-10 days before she reviews it. I called back to Capital One and the rep asked me was this my DL? I said yes. Im not getting any where with this company. Can you please help me?
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (NY)

This is my second 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}
Consumer complaint received 2020-07-21
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. (FL)

I have asked numerous times for Experian to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Experian has yet to send me those copies I did not open a XXXX   XXXX XXXX card nor did I charge anything to a XXXX   XXXX card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.
Consumer complaint received 2020-11-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

A public record of a bankruptcy discharged in XXXX was inaccurately reported across all three credit bureaus. I have disputed the information with all three bureaus for over a year. I finally got confirmation from the federal court that they do not verify bankruptcy information with the credit bureaus. The credit bureaus then told me after finally responding to the disputes that they use XXXX to verify public record information. I froze my XXXX account on XX/XX/XXXX. I then submitted a dispute of the bankruptcy information on XX/XX/XXXX to all three bureaus. XXXX did remove it from my credit report with them, but XXXX and Equifax have not. Their response says they verified the information with XXXX, but they could not have because my account with them is frozen. 

Equifax has replied in writing how they receive their information about public records from XXXX, but XXXX has failed to send me any response to my disputes in regard to the bankruptcy and how they verified the information. 

As seen in my attachments, the federal court attached to the bankruptcy provided written proof they do not verify bankruptcy information with the credit bureaus. Equifax confirmed they use XXXX to do so, and it is my understanding that is how XXXX receives such information ; but they never responded to my request to prices written proof. Since my XXXX account was frozen by the time I submitted my dispute, XXXX nor XXXX could have verified the information and by law must remove it as XXXX did.
Consumer complaint received 2020-08-22
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. (MS)

This complaint is not filed by a third party. 

Experian and XXXX  are fraudulent on my credit accounts DEPT OF EDXXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX is fraudulent on my Acct # XXXX. XXXX XXXXXXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # XXXX. 

These are fraud, I didnt benefit, apply for, and authorize these accounts.
Consumer complaint received 2023-06-14
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I HAVE REACHED OUT TO THESE CREDITORS MULTIPLE TIMES TO RESOLVE THE REPORTING ISSUES. THEY HAVE FAILED TO REMOVE ALL THE NEGATIVE INFORMATION FROM ALL OF MY REPORTS. WHICH I THOUGHT WAS A FCRA VIOLATION.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (TX)

I received a letter in the mail on XX/XX/21 from my financial institution informing me that all my personal and business checking and savings accounts will be closed in 30 days. My husband went immediately to our local branch for an explanation, and got no answers. The branch manager there would only tell him that she didn't know why and that the decision was final. I then called the the 800 number and got the same. Extremely confused and frustrated I then requested a Consumer Disclosure Report from XXXX. There is absolutely nothing negative on either report. I'm at a loss as to what to do or how to find out why the decision was made to close our accounts.
Consumer complaint received 2020-07-21
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. (TN)

XXXX XXXX Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$2900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID for identification purposes so the bureaus will investigate my complaint. ) I had GAP Insurance and all outstanding balances due were covered. ( I have attached a copy of my GAP paperwork for reference. ) The statement break down is as follows : Scheduled Loan Balance at Date of Loss : {$15000.00} Plus interested earned : {$19.00} Less Net Insurance Settlement : XXXX {$9600.00} ) For a TOTAL GAP payment of {$5400.00} Clearly the GAP payment more than covered the {$2900.00} that the bureaus are currently reporting. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2021-09-14
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: EMCC Holdings, LLC (IL)

XX/XX/2021 this is a cease and desist notification, and debt of validation letter. My credit report has been compromised without validation and authorization. Please remove from all credit reporting agencies.