davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I paid a chase credit card off with over {$6000.00} in charges, additional charges were applied after the pay off or a small unpaid portion was still due. A payment of {$100.00} on the lingering {$190.00} was made in XX/XX/2018 and a complete pay off was made the next billing cycle. I received an automated call from chase in mid XX/XX/XXXXsaying i had a 35 day late payment due in which i hung up and went on chase online banking to make sure the call was not fraudulentl as i thought the card was paid in full. I seen a past due amount and immediately paid the card and late fee in full. I figured the money would be refunded if an error were found but either way keeping my credit in good standing would be worth {$140.00}. I've been building my credit for about 16 years and have zero late payments. They reported this payment as late and that credit bureau listed me as having 288 total payments and 1 late payment being from Chase which brought my credit score down 96 points. I know that humans are not perfect nor is the internet or websites and I can not prove who is at fault and neither can chase. However, i am certain i attempted the 90 somthing dollar payoff which apparently did not go through and was " sure '' there was a {$0.00} balance. I reached out to chase several times in which they are unwilling to help. I think chase online banking was at fault and my credit history shows my seriousness to paying my bills on time.
Consumer complaint received 2015-12-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

If you are thinking about financing a vehicle. Run when you hear this name. SANTANDER! They are PREDATORY LENDERS! Look what they have done to my credit. They falsified XXXX out of XXXX over 30 day lates on my report to insure I could not get any other financing from any other lenders once I paid them off and hurt my chances of buying a home in the future. They want to insure they will be the only lender to once again lend me money so they can rip me off once again for the next 60 months! I am uploading XXXX of my XXXX XXXX credit reports on Santander Consumer USA. The first is my credit report 16 months ago. Notice only XXXX lates over 30 days. Now look at my credit report ( second photo ) showing all the 30 days lates now that never truly occured. I even have bank Statements showing they ACH debited my account on these XXXX falsified times way before any over 30 day lates could occur. These sharks know what their doing and I 'm sure i 'm not the only one they are doing this too!
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am appalled by the ability of the XXXX and TransUnion Credit Bureaus to ignore a consumer 's requests for the correction of the disputed account reporting erroneous information on my Credit Report. I sent a letter to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus correct the information being reported by the accounts on my Credit Report. Upon checking my reports, it is clear that the Credit Bureaus have been ignorant of my requests for the correction of the disputed accounts on my Credit Report. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-07
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. (MI)

In accordance with the Fair Credit Reporting Bankruptcy reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I also want these names and addresses deleted XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX 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 I had written to the company ( MCM ) and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information. I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports
Consumer complaint received 2021-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (AK)

As an XXXX for XXXX XXXX XXXX XXXX, I applied for a Spark-branded business credit card with CapitalOne today Friday XX/XX/2021, using the Tax-ID number belonging to XXXX. During the application process I was asked for my personal legal name and social security number underneath a note on the application that read that my personal information would only be used to identify the applicant. 

Moments later, the application was declined and I received a notice the CapitalOne had used both my personal XXXX and XXXX  reports in a hard inquiry which affects my personal credit score. 

I called the reporting agencies to dispute this and they told me I needed to speak to CapitalOne. I called CapitalOne who refused to acknowledge that they fraudulently advertise that personal information will only be used for identification during application for a legal business entity. They simply stonewalled me with the position that personal information is used for business credit, but their application makes no mention of this. I am trying to repair my personal credit post-Covid and would never have applied for this card under full disclosure by CapitalOne. XXXX has a good ( B-grade ) credit rating all on its own and as its own legal entity does not need its rights violated by being discriminated against based on the applying XXXX 's personal credit history. 

I wish to petition the CFPB to instruct CapitalOne to remove the hard inquiries from my personal credit report.
Consumer complaint received 2024-02-26
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. 
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Consumer complaint received 2017-06-07
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. (CA)

XXXX   XXXX  IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX   XXXX  SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX   XXXX  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Victim of Identity theft. FTC  REPORT NUMBER XXXX these checking and savings accounts that were fraudulently opened by theft of my identity have not been closed after 4 months, over 9 demands to close and now Bank of America is charging service fees on these fraudulent accounts illegally. complaints to You, Federal reserve and office of the comptroller have been filed. They have been given all information, police reports etc ... CLOSE THESE FRAUDULENT ACCOUNTS DOWN NOW! Bank of America continues to send statements on these fraudulent accounts with another unknown persons name on it to my home. bank of America was notified on XX/XX/2019 via a phone call they made to me to verify if i had opened 2 online accounts in which i told them no! Bank of america has lied and lied and lied stating numerous times the accounts have been closed when you can clearly see they are not!!!
Consumer complaint received 2022-09-07
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. (DE)

XXXX  business credit report for my small business states I have a delinquent account for {$2500.00} in which the business or I have never taken out a loan or even owe anything as far as credit, loads or anything. I believe this to be fraudulent and improper. There are trade lines on my credit that also arise from this.
Consumer complaint received 2022-09-07
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. (DE)

XXXX business credit report for my small business states I have a delinquent account for {$2500.00} in which the business or I have never taken out a loan or even owe anything as far as credit, loads or anything. I believe this to be fraudulent and improper. There are trade lines on my credit that also arise from this.
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My last statement from Bank America showed a charge for " check imaging ''. I never ordered it. I called customer service and although they removed the charge, they could not tell me how this happened. My feeling is that it is a new deceptive practice to get extra fees hoping that the customer will not notice it.
Consumer complaint received 2018-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have written to you before about Paypal 's deliberate withholding funds generated by XXXX sales, claiming assurances to provide to buyers and securities if postal services fail. YOU HAD FAILED TO RESOLVE THE PREVIOUS PROBLEMS AND CLOSED THE CASE WITH A {$2500.00} FINE WHJICH PAYPAL HAD NEVER PAID!!!! 
Now they claim another reason of holding my funds eventhough buyer had received the purchased items, and the postal service succeeded to deliver the goods. 
THE NEGLIGENCE OF PREVIOUS FEDERAL EMPLOYEE DID NOT RESOLVE THE PREVIOUSLY STATED PROBLEM AND THIS COMPANY LOUGHING BEHIND AN INCOMPETENT, USELESS FEDERAL PROCESS!! 
Behind this second complaint, I am turning to my senators for assistance and scrutiny of the previous employee and this organization! 

XXXX XXXX
Consumer complaint received 2017-06-07
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. (TN)

I have had a problem with equifax since  XXXX  of  2017 .   XXXX   XXXX   has submitted multiple requests to have some hard inquiries removed off of my report. I have previously submitted letters to cfpb that show where the   XXXX   XXXX   submitted the request. They submitted the request again on  XXXX   XXXX ,  2017  and spoke with equifax business at  XXXX  option  XXXX . They were given case number  XXXX  as proof that the inquiry 's were removed but they 're still on my personal credit report. Equifax is a horrible company who gives consumers the run around. I was told to send a copy of the letter from   XXXX   XXXX   and they would remove the inquiry in which they have not done.
Consumer complaint received 2018-03-22
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: Merchants and Medical Credit Corporation, Inc. (MI)

Re acct number XXXX I sent a validation request to this company late XX/XX/XXXX. I have disputed this item 3 times with the credit bureau. I disputed in XX/XX/XXXX. I also sent dispute letters XX/XX/XXXX and XX/XX/XXXX.They have been unable to send me a signed contract or validation to verify this debt. The information is incorrect and not validated with a signed contract. I have tracking numbers for my request sent on XX/XX/XXXX. I can provide as I sent my letter certified. 

The address on the account is not mine either. I have never lived there in my life. 

This account needs to be removed from my credit reports ASAP as Its invalid and not validated. I will proceed with a XX/XX/XXXX complaint, submission to my attorney general as well.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

My sister was living with me at XXXX XXXX XXXX XXXX TN XXXX. She calle XXXX XXXX  to purchase cell phone for my nephews she gave them my address and they pulled up my name with this address. The service was supposed to be her her name. XXXX put this purchase in my name. I didn't realize this till six months later.I explained this was her bill she was responsible for it she told them this as well to no avail. I have been disputing this since XX/XX/XXXX on my credit report. I was removed form credit report in XX/XX/XXXX then it was placed back on there with XX/XX/XXXX as date account was opened. This is a fraudulent date. This is a fraudulent way to conduct business and this has plagued my credit since XX/XX/XXXX. XXXX XXXX XXXX   has this collection now the amount is {$1100.00} the account is XXXX. I would like this fraudulent purchase that I did not initiate and have been disputing since I found out about it Removed once and for all off my credit!!!
Consumer complaint received 2015-11-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have spent the last year trying to work with XXXX to remove the 120 days late status from a loan that was closed on XXXX 2011. In my latest attempt they have continue to report the same status and verified with Wells Fargo.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I deposited my tax refund check into my Bank of America account on XX/XX/2024 of XXXX at the XXXX XXXX XXXX  location, the teller called and verified my check, Bank of America freezes my account and then closed it stating it was a counterfeit check bc they couldnt verify it, but it was verified by the teller. It was not counterfeit, I have proven it was a legit check the institution that sent the funds have contacted Bank of America and they wont release my funds to me.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: AMERICAN EXPRESS COMPANY (TX)

I have a XXXX XXXX  '' branded prepaid card issued by American Express which I regularly fund on the XXXX website from my checking account where I receive direct deposits. On XX/XX/2022 I was unable to log in to access my account on XXXX and received an error saying my account was locked. This prevents me from reviewing my account history, making any changes to my card, or retrieving any of my funds loaded onto the XXXX  card balance. 

I called Serve at XXXXXXXX XXXX  XXXX on XX/XX/2022 and spoke to American Express ' representative, XXXX, about my account. They told me that they had locked my account because I had added funds from a prepaid card, which is against their policy. I confirmed that the account they claimed was a prepaid card was the debit card for my checking account. American Express refused to correct the erroneous listing of my debit card as a prepaid card, even after I provided them additional details about the card and the name of the issuing bank. American Express also refused to unlock my account, preventing me from accessing any of the services for my XXXX card. 

My checking account is " XXXX XXXX '', a branded checking account offering administered by XXXX Bank XXXX Member FDIC, XXXX number is XXXX. XXXX  provides these statements regarding the debit cards of the checking account : " XXXX XXXX  debit cards are associated with XXXX. They are issued and administered by XXXX Bank, pursuant to license from XXXX XXXX XXXXXXXX XXXX XXXX is powered by XXXX, accounts provided by XXXX Bank , Member FDIC. XXXX - from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
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)

To whom it may concern, I have a mortgage loan with XXXX XXXX XXXX 
I received a COVID forbearance which started XX/XX/XXXX and ended on XX/XX/XXXX. 

Once the forbearance ended, I resumed my monthly mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also made the XXXX payment today. 

Despite resuming payments and PAYING MY MORTGAGE ON TIME and also completing loan modification documents, I was reported delinquent by 180 days to the major credit bureaus. 
Ultimately the report of delinquency IS false. The result of this false report has been devastating. 

To elaborate, I need to buy a new car, but i am being denied credit because I was reported delinquent on my mortgage which again is untrue.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-03
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. (FL)

To whom it may concern, I have a mortgage loan with XXXX XXXX Bank. 
I received a COVID forbearance which started XX/XX/XXXX and ended on XX/XX/XXXX. 

Once the forbearance ended, I resumed my monthly mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also made the XXXX payment today. 

Despite resuming payments and PAYING MY MORTGAGE ON TIME and also completing loan modification documents, I was reported delinquent by 180 days to the major credit bureaus. 
Ultimately the report of delinquency IS false. The result of this false report has been devastating. 

To elaborate, I need to buy a new car, but i am being denied credit because I was reported delinquent on my mortgage which again is untrue.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Requested written documentation of debts I was told I owed. Its been well over a month, and nothing from them. 

The requests were sent via Certified Mail through the USPS. 

Im trying to do the right thing by confirming this debt as it negatively affects my credit score. Without the info provided by the creditors or collection agencies, I can not move forward in rebuilding my credit. Its infuriating. 

Portfolio Recovery Associates in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is where the Certified Mail was delivered.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I called this creditor in attempt to come to a settlement for this debt and they said they have no records of me ever having an account with them. They looked up the debt owed under my name, my address, social security number, and birthday and found no record of the account belonging to me. I was told by the agent to dispute so it could be taken off of my credit report which I did but the debt is still on my account. The debt owed does not belong to me.