davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

My bankruptcy was dismissed by choice and judge. I didnt qualify. The case was dismissed in XXXX XXXX days after incomplete file. 


I didnt need to pursue this case why you sought dismissal. And addition the Judge the case was thrown out. 

I soon recovered and paid all necessary items to current. 

I m Request to have the credit bureaus to remove the bankruptcy from my credit report. 
It was dismissal meaning that the bankruptcy never occurred. 

This is effecting my life and credit. I requested to have item deleted and was unsuccessful.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on TD BANK USA/TARGETCRED and currently reporting as late. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding, MUST REMOVE THIS ACCOUNT IMMEDIATELY.
Consumer complaint received 2021-08-08
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: Experian Information Solutions Inc. (MD)

Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? 
XXXX XXXX XXXX  Experian XXXX  Account # : XXXX XXXX The date of first delinquency is inaccurate. 
The name of the creditor is truncated and unidentifiable. 
The account numbers are incorrect, truncated and unidentifiable. 
The payment history has been reporting incorrectly for many years now. 
There is no notice of dispute. 
And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. 
I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.
Consumer complaint received 2022-09-15
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. (NC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX : {$9300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020, Chase Bank 'locked ' my account due to suspicious activity after I tried to pay a lawyer {$370.00} by XXXX XXXX pay. But they sent me a code by text, I entered it, and it was initially accepted. 

They them emailed that it was cancelled. So I logged onto my account again, sent them a message instructing that the payment was valid and made it again. 

They then, 1. Cancelled the payment ( again ) ;, and 2. Locked me out of the account, instructing me to call XXXX. 

After over an hour of waiting on hold, I spoke to XXXX, who worked to redress the matter, without success. 

I realized that I would need to open another account at another bank because Chase has a documented history of doing this to people ( I know this from a Reddit thread ). 

I have the ability to open a new account with funds at another bank ; but others I am reading about have NO money and NO ACCESS to their money because of what Chase is doing -- locking us out of our accounts and then being unavailable to fix the situation. 

Chase Bank MUST be required to CHANGE their policies and procedures by creating a financial incentive for accuracy in these matters -- it is not sufficient justification to lock consumers away from funds due to Chase 's 'suspicion ' about transactions.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX  XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX, 2019 at XXXX XXXX I was contacted by a representative from Kohl 's that my account was 58 days past due. I was shocked and immediately paid the entire balance with her. When I asked why I didn't receive a statement in the mail she told me I was signed up for email statements. I was not aware of this. I thought I was to receive paper statements. I then asked her if this incident would be reported to the credit bureaus and she assured me it would not be because I was not 60 days late. The next day I received an email from my credit monitoring service that my delinquency was reported even though I was told by the representative that it would not be reported. I have attempted two times to resolve this with Kohl 's and they refuse to admit their error and remove the delinquency from my credit report. Yes I was delinquent but I did not receive a paper statement. I honestly thought I had paid my bill in full in XXXX. I do not believe I signed up for email statements because I do not read my emails frequently. I have perfect credit and I want this delinquency removed from my credit report. It is unfair that I was told it would not be reported and then it was.
Consumer complaint received 2022-09-15
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. (NC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX : {$9300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-08-08
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: NAVY FEDERAL CREDIT UNION (MD)

Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? 
NAVY FCU XXXX XXXX XXXX Account # : XXXX XXXX The date of first delinquency is inaccurate. 
The name of the creditor is truncated and unidentifiable. 
The account numbers are incorrect, truncated and unidentifiable. 
The payment history has been reporting incorrectly for many years now. 
There is no notice of dispute. 
And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. 
I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.
Consumer complaint received 2020-06-25
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. (VA)

XXXX XXXX XXXX charged my wife and I for a personal property tax and late payment fees on our leased XXXX XXXX XXXX without informing us of the tax charge. We are on autopay and pay our bills timely each month. We were never informed that there was an outstanding personal property tax charge or associated late fees. 

Today, XX/XX/2020, we learned that our credit scores were destroyed by XXXX, which claimed to the credit bureaus that the personal property tax and late fees were delinquent. We were never made aware of the situation, via email, phone call, or regular mail. In fact, we only receive monthly emails that our autopay payment has been received. 

We reached out to XXXX XXXX XXXX today to no avail. We will not be doing any further business with XXXX when this lease is over.
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

Hello, Per the CAREs act I submitted a refund request for payments done after XX/XX/XXXX to Great Lakes on XX/XX/XXXX. While the payment went through initially, I was called a couple of days later by a rep stating that since some of the payments had been done from a third-party they were not able to issue a refund. 

I contacted the Federal Student Aid office and they told me that Great Lakes is required to refund me the total amount even if the payment was done by a third party. They asked me to share with them the following Q & A ( Attached ) : Important part ( " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. '' ) https : //studentaid.gov/debt-relief-announcement/one-time-cancellation
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I called my bank to let them know two XXXX charges were fraudulently completed using my bank account information. I confirmed that I didn't know who the recipients were. 
The two charges debited by XXXX were on XX/XX/2022. One charge was to a XXXX XXXX for {$200.00} and another was to XXXX XXXX for {$900.00}, both on the same day. 

I called my bank and confirmed fraud, and they said they would look into it. They denied my claim, saying that I did it. I called back and let them know I have absolutely no connection to these people and would not authorize such a charge. They closed my file without doing anything else about it or even looking into it.
Consumer complaint received 2022-09-15
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Original Creditor : XXXX  XXXX Balance Owed : $ XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the date of receipt.
Consumer complaint received 2018-07-09
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: Experian Information Solutions Inc. (TX)

I recently got a copy of my credit file from Experian due to a inquiry that popped up on their. I have not applied credit in a long time. Who authorized someone to pull my credit file? Who allowed for them to pull my credit file when I have a Fraud Alert account? According to the FCRA, it's unlawful to provide my credit file without my approval or consent.
Consumer complaint received 2023-04-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Purchased the home located at : XXXX XXXX XXXX, XXXX XXXX, TX XXXX in early XXXX of XXXX. During that time, I, XXXX XXXX XXXX, had gotten sick in XXXX and I reached out to the company for assistance. As we were making our payments, we were denied a modification and were forced to do a short sale on the property in which we had a realtor involved. The realtor was in the process of submitting all the necessary documents for the short sale and due to negligence from Wells Fargo, they foreclosed on the property prematurely. I believe that we were wrongfully foreclosed on due to their unethical practices. We were trying to get the foreclosure reversed and we were speaking to upper management and all they said to us was that they apologized. Since then, there has not been any reporting of foreclosure on any of the homeowner 's : XXXX XXXX and XXXX XXXX 's credit report. I strongly feel that we should be part of the ongoing lawsuit against Wells Fargo for their unethical practices and their banking violations. If you have any other questions or need any additional information please contact me at : XXXX.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NV)

I tried to send a wire with Ally Bank. As part of this they asked me to call in, no worries, I did the next day. They asked me for my social and I told them that I don't feel comfortable giving it out because of identify theft issues in the past, but I'm happy to answer other questions. The person said fine, they authenticated me and then said I needed to call back again the next day. Sure no prob. I did and they asked me again to authenticate using my social. I again said that I don't feel comfortable giving it out and to ask me other questions. This lady got really rude and unprofessional and hung up on me. I then learned my account was locked out so I can't access any of my money or even log into my account. 

I called back the next day and finally just gave up and gave them my social and did authenticate me, but they now told me that the last lady I spoke to flagged my account because I " refused to provide my social '' and I have extra steps now for " the safety of my account ''. I have to upload my drivers license, a photo of me with it, a color copy of my social security card, a utility bill and they can't confirm if there's more they will ask for after that. First this is a complete overreaction in the name of " security '', secondly I never gave them false info, and I explained each time why I didn't want to give out my social and thirdly I don't have some of that information with me since I'm traveling. 

I essentially tried to use one of the bank 's services and as a response they've effectively taken my money. The steps to getting it back are so onerous that it's possible I'm unable to ever get my money back. This is effectively stealing my money.
Consumer complaint received 2022-01-07
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. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. These items are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )
Consumer complaint received 2022-10-06
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. (NY)

I sent out a letter off on XXXX XXXX here are my tracking numbers [ XXXX ] [ XXXX ] [ XXXX ] .To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-10-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: General Motors Financial Company, Inc. (NY)

GM Financial has right on their website that all leases will be AUTOMATICALLY extended month to month for up to six months in one month increments, and nothing more needs to be done. We needed to extend our lease and saw that and nothing else needed to be done. GM also had our wrong email ( missing XXXX in it ), used the corporate office number to contact us about a late payment ( must have been off the credit application because we never provided it, as it is not a number my husband can be reached at, and an old address so we never received ANY notice of the late payment and assumed it was all fine since their website reads that it will automatically extend month to month. The day we realized we had a late payment ( first EVER ) we paid the double payment. We contacted GM- they told us to contact credit companies. I filed disputes with all three credit companies-all were denied. I contacted the credit companies and was told to contact GM. I contacted GM again and got nothing in response at all. Our credit score is ruined and it was not at all our fault that the website ( STILL READS TODAY ) that it will automatically extend-it doesn't state that it shuts off autopay, or that the payment changes in NY.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-07-09
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: CITIBANK, N.A. (NJ)

CITICARDS CBNA XXXX XXXX DISPUTES XXXX XXXX, SD Has added " Consumer disputes after resolution ''. I NEVER disputed anything. I have asked Citi bank to investigate and they confirmed that they did not put this comment. This is impacting my Credit Report.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I hold my Bank of American credit cards ( XXXX  and XXXX card ) for XXXX years and keep using it. I was promised when I applied the credit cards that I can downgrade both credit cards to the Cash Rewards card without any annual fees. But now when I called the bank, the agents told me that I can't change any of them. I was shocked that the bank did not keep their word. I was told by my friends that someone can change their XXXX  and XXXX card into Cash Reward. I have no idea why BoA treated their customers differently. I doubt that BoA has discrimination on different customers and feel offence.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2022, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681. 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 U.S.C 1681. According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy. According to : 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 According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.