davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2021, I was alerted Through XXXX that a new credit card inquiry was placed on my credit report. Upon further research, I discovered a new credit line was opened in my name under Capital One. I did not open this account nor did I acknowledge this.
Consumer complaint received 2021-11-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent in XX/XX/2021. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX {$0.00}
Consumer complaint received 2021-11-08
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. (NC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX of XXXX XX/XX/2020 2020
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

experian dropped my credit fios 9 points after i filed disputes, now will not take any disputes, reporting incorrect balances, also i can not dispute XXXX  ore XXXX all i get is opps something went wrong.reporting incorrect balanced, paid off accounts.
Consumer complaint received 2018-02-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been on the phone with XXXX XXXX countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let transunion and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I tried to call chase bank to get my account they wouldnt let me, I told them to run the cameras they told me they wouldnt, the account that I had was a brand new account that I opened up and it was some fraud going on my account I told them that wasnt me it was a check deposit into my account that I wasnt aware about they didnt call me or nothing they didnt send me a letter in the mail that my account was closed I called them so many times about my account
Consumer complaint received 2020-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (WI)

I completed the default resolution program and made all my consecutive payments. When I got a new debit card I call the collection agency numerous times with no call back. I was enrolled in school and just got my title 4 back and was all set to start. Now that my funds are to be released they are not giving me the correct status because they said I missed a payment. I was told multiple times that the only way to pay is through the agency servicing my loan i now found out I could've paid directly after I called. I plan to file suit against both parties for damages and pain and suffering as I have been taking these classes with NO indication that I wouldn't have funding and now the school fully expects me to pay for them. This is not fair and unjust. I have attached my letter showing that I am eligible for funding. I called in XXXX/XXXX/ and XXXX of 2019 trying to update my payment method WITH NO RETURN CALL.
Consumer complaint received 2018-02-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rocky Mountain Recovery Group (OH)

This is from years ago, when I really need the money. It was only about XXXX dollars. Now they want to settle with over XXXX dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.
Consumer complaint received 2021-06-09
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. (MI)

I received two letters ( attached ) in the past 6 months indicating I requested an account with XXXX XXXX. Rest assured I did not, so please close any accounts you have on file remove my request and remove the inquiry with Equifax credit reporting bureau Immediately. DO NOT process or proceed any account information. If you have a question replay to THIS email only or call me. There's been a lot of FRAUD during COVID-19 but I don't intend on being a victim. Thank you for your time and expedient action in the matter. 

Best regards, XXXX XXXX
Consumer complaint received 2020-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My husband is in the XXXX and has been XXXX  in XXXX, XXXX and XXXX  in the last 3 year. We originally were in XXXX  and that is where the Bank of America accounts were opened. I have 2 accounts for my minor children, one for my now XXXX year old daughter and XXXX year old son. With all of the address changes we have not been getting statements for quite some time, but I did not think I needed to be concerned because both accounts are not supposed to have monthly fees. I recently got the XX/XX/2019 quarterly statements and my son 's account is being charged {$5.00} per month and the balance is down to {$40.00}. His account originally had more then {$200.00} and we have not made any withdrawals. My daughter 's account has not been charged this monthly fee. I called Bank of America 's customer service number and was told they can not reverse the fees. They also can not explain why 1 account is being charged while the other is not and if I want to talk to someone in person I have to go to XXXX  where I opened the account. We are XXXX  in XXXX  so I can not do that. Customer service also would not do anything to even fix the fee issue going forward. I asked how long have the fees been charged and they could not tell me that either. I also looked on their website for XXXX  savings accounts and there is no fee for {$5.00} listed on their fee schedule. So not only are they taking money from a child, but they are not complying with Truth in Savings by listing all current fees.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (NE)

Continental Finance is reporting I missed a payment in XXXX of 2019. No payment was missed and shows on-time payments before and after this error. Please fix this error to show a payment was never missed or I will file suit.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-04-29
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. (AR)

I Disputed several collection accounts that resulted in removal from my credit report on XX/XX/2021. They were from XXXX XXXX XXXX. They were removed and then added back on XX/XX/XXXX. This is a FCRA violation of re-aging. 
I also am not able to dispute certain addresses or added ssi numbers on my credit report that don't belong to me.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.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 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

This is a follow up complaint that was not addressed by the bank. the other issue which Chase bank refuses to acknowledge besides the hardship they caused, unanswered questions about freezing ALLLLLLL my accounts instead of just putting a hold on a single deposited check, Then they froze my daughters accounts, which are NOT tied to mine, COMPLETLY separate, we are NOT on each others accounts, or in the same home or county. and breeched confidentiality by telling her about the check i deposited ( which was legal and confirmed in 1 day yet until i went into the branch after being hung up on 2 times, and called the complaint dept, on hold for 2 hours, did they release my money ) into my acct, they gave her my acct number, and when she told them she has know idea whos account that is, they continued to tell her the name on the check, and the amount,. i have tried to get answers and they are denying and ignoring any wrong doing, they sent us BOTH a threating letter, that if we do provide information they requested, they would close our accounts.. They gave personal confidential information and refuse to right this wrong. Giving personal information ACCOUNT numbers to anyone is against the law, CHASE bank needs to correct this, and people need to be made aware of the actions they are taking to hold money, and not help.
Consumer complaint received 2022-04-29
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: Credit Technologies, Inc. (FL)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report XXXX My latest credit report shows Credit Technologies Inc. credit inquiry/inquiries that I did not authorize.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

I recently sent a letter to XXXX and Experian asking them to verify the bankruptcy on my report from XX/XX/XXXX. I feel they are reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The court does not verify this information directly and I have included a letter to that effect. No bankruptcy court will verify a bankruptcy case to any credit reporting agency. I was then told me they used a third party vendor in XXXX to verify, which is also untrue because I have documentation of a security freeze I put on my XXXX report earlier last summer. Since they have no way to verify and are only assuming that since the bankruptcy was valid in XX/XX/XXXX that they have the right to report this illegal information for 10 full years. I willl be filing a case in small claims court here in Massachusetts seeking {$5000.00} in damages and a court order to compel XXXX and Experian to remove thIs illegally reported information. Also, any account included in this bankruptcy should also be removed from my credit file. Thank you for your help.
Consumer complaint received 2018-03-05
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. (NJ)

XXXX will Not remove this account even after I sent them a police report and proof that I never had a bank account with XXXX XXXX that someone was making payments on the XXXX card on
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 17. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 18. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2018-02-07
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: CITIBANK, N.A. (FL)

I have never applied to these companies. They are just putting hard inquiries on my credit score. I have tried to contact them but there has been no solution so I'm coming to you guys for your help here are the companies.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IL)

XX/XX/2021 BMO, representative XXXX advised the XXXX XXXX business checking account had been closed. Without prior verbal or written notification. The attachment provides a XXXX BMO ledger, While, limited contact with the bank has occurred since the account closure. There have been repeat consumer complaints against the bank and/or branch. Those include negligence, harassment along with deceptive business practices. 

The initial occurrence with the bank happened with XXXX ( Branch or Company vice president ). To which most details are available upon request happened during our initial visit alone. However, it was our second visit the executive performed a mind hack or trick, that mirrored a female urinating on a male act while sitting in her office. -disgusting. 

It is believed the harassing business practices which XXXX displayed. Continued to lead the executive to follow my movements throughout parts of XXXX. While for the most part not physically harmful the perception is this practice falls along the line of malpractice, harassment and company negligence.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I am trying to get my free credit report from Experian after I was denied a credit card because of a false item on my credit report. After I tried to log into my Experian account several times, it gives me a failure error, cancels my attempt and states a phone number to call. After I call the number the automated system refuses a live agent connection, states I need to use the Experian website and disconnects call - several times.
Consumer complaint received 2020-01-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a survivor of XXXX XXXX in childhood who in later life became a XXXX with the help of God Almighty! I was passionately serving my patient community in the New York Tristate area when I faced a devastating legal challenge unrelated to XXXX  XXXX  that cost me my XXXX  license and put me in massive debts back in XXXX. In order to recover financially, I started looking into online trading. In XXXX I started trading XXXX XXXX  with borrowed money but started losing all the invested money, no matter how hard I tried! That is when I heard about a company called XXXX XXXX. They called me repeatedly offering quick and massive profits if I traded with them. One of their account managers by name XXXX XXXX even offered to provide signals too. They sounded very professional over the phone and I invested a total of {$6200.00} of borrowed money with them. No matter how hard I tried, there would be a sudden platform spike or dip in the opposite direction of my trade at expiry which made me lose trade after trade! I lost all the money and then XXXX offered to give a free bonus for the lost amount into the trading account. I accepted it gladly, but the same story was repeated. In the end, I lost all the money I invested. Little did I know that they were fraudulent and were simply manipulating the platform! I suffered devastating losses emotionally and financially! Due to financial hardship, my family moved away to another state! I am eligible to apply for the reinstatement of my XXXX license and I invested with XXXX XXXX in order to make some money so that I could regain my license. But they caused further hardship and untold miseries to me. I realized about the nature of scam nearly 3 years after I invested with them and my bank refuses to ( Capital one ) do anything about it due to the delay in filing a dispute. I am in an extremely difficult state financially and emotionally. Kindly help me to recover my losses ASAP! Thank you and God bless you.