davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
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. (NY)

so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. Inquiries from XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). My birthday is incorrect which should be XX/XX/XXXX. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX needs to be removed immediately also because those accounts don't belong to me!
Consumer complaint received 2017-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Vinci Law Office, LLC (CO)

Upon researching this debt, I 've discovered it 's a time-barred debt that I thought was removed from my debt years ago. This debt is from XXXX, according to the paperwork I acquired from the XXXX XXXX County courthouse, however, I believe this was originally from XXXX. This debt was unknown to me until I received a writ of garnishment from my employer. When I contacted the Vinci Law Office on XXXX XXXX, XXXX I was advised they could n't tell me when I was served court paperwork, and to go to the courthouse to obtain that information. On XXXX XXXX, XXXX I got the Affidavit of Service, which has false information. It says a substitute was served at my ( previous ) residence on XXXX XXXX, XXXX to XXXX XXXX as Sister and Resident. However, I was the only tenant at that address, and the only person I know close to that name is my ex-mother in law ( divorce final in XXXX ), whom has never been to that house, and is not my sister. Not only do I believe this to be a time-barred debt, but a FALSE Affidavit of Service was filed. Due to these unlawful debt collecting practices, I request this to be removed immediately.
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

I am writing on behalf of my XXXX XXXX XXXX mother who has XXXX accounts at FirstMerit Bank in XXXX Ohio. The bank was recently acquired by XXXX Bank. XXXX sold off branches as part of the deal and any customer that supposedly had an account at a branch that was sold was being transferred to the acquiring bank which is XXXX XXXX. 
The XXXX XXXX branch was sold and my mothers accounts were included in the sale. Problem is she never opened an account at XXXX XXXX which is XXXX plus miles from her home. She was slammed into a branch that she never used I think to bolster a weak branch up for the sale and transfer to XXXX XXXX. My mother is not mobile and this puts an undue burden on her to do her banking. I and she wishes to keep her accounts at XXXX. I feel this was a sneaky and unfair, deceptive, and abusive action to benefit FirstMerit at the expense of an elderly and defenseless woman.
Consumer complaint received 2017-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I am a parent of a  XXXX  and tried to open a debit card account for a minor. I already have a bank account + credit card with Chase Bank here in  XXXX , CA. The bank physical address address is :  XXXX   XXXX   XXXX ,  XXXX   XXXX , CA  XXXX  - Today,  XXXX   XXXX    XXXX   around   XXXX   XXXX   I tried to open a minor account for my daughter (  XXXX  yrs in few days ) with me acting as primary account holder. I submitted all my personal verification details and then account manager/bank  manager aske d more information about where I work, how much money I make, what other bank accounts, credit cards and liabilities I have.     I refused to give additional financial information about me and the bank refused to process my request to open an account. The employee called th e manager and manager  repeated the same information despite me saying that they have my  SSN and can always run credit report ( which I assume is illegal also ).      Collecting competitor bank, loan, credit card and other financial information is illegal from my perspective when I am trying to open a simple debit card account. Chase Bank is illegally requesting additional information and denying me to open a simple debit card as a neighborhood bank.  Chase manager  said, it is their policy to " get to know the customer '' and cite d Federal laws in a booklet which says " Banks may ask additional information about the customer '' - but does not  state, that can deny the service if not provided.     I want CFPB to take against this kind of forcing the customers to disclose additional financial information and gaining insights to further market products to customers when a simple debit card account was all I requested. As a citizen not asking for loan/debt, why should I disclose additional financial details to Chase Bank?
Consumer complaint received 2017-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBA of GA, Inc. (SC)

I received a letter dated  XXXX   XXXX ,   XXXX   and attempted to collect {$110.00} which I do not owe.     I have already paid {$59.00} for  XXXX  sessions and the company is trying to rip me off by charging me {$110.00} for the service they never provided.     I have mailed in cancellation notice to   XXXX   XXXX  s on  XXXX   XXXX ,   XXXX   so they are not authorized to charge me the service that I never agreed and they also never provided the service for the amount they are trying to collect.     I belive this is a fraulent billing tactics after I cancelled the membership.
Consumer complaint received 2022-08-25
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. (CA)

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$370.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2015-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (GA)

Afni XXXX is using a machine to make calls and showing on the caller ID as XXXX a different company. When I received a call this morning I was asked to hold for the next available operator, I waited to see to see who they were looking for as my former step-mother has been passing out my number to her creditors. The call disconnected without me being able to discuss the matter and ask them to remove me. I then called XXXX trying to clear this up and was told they had no account with my phone number and told me they had other complaints that Afni was engaging in this practice. I finally called Afni and they refused to admit to their conduct.
Consumer complaint received 2016-02-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

I have requested a copy of my Experian Credit Report online but was not provided access to a copy of my report for review. As I worked through the site trying to find a copy of my report I was kicked out and unable to log back into the sight. No alternative options were provided for me to access my report without me first submitting a credit card to be charged. 

Thank you!
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

XXXX lost 2 of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff
Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

Dear sir/madam, as I was going through my credit report on Experian negative report on my credit. The negative report was from XXXX, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my XXXX credit report. I am requesting that XXXX or any of it affiliates should remove such negative statement from my credit report
Consumer complaint received 2015-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (HI)

I had recently applied for a mortgage loan and was denied. I was troubled by the results because I had recently hired XXXX XXXX to help me in repairing my credit score. After getting denied I asked to view my credit report. So online I viewed it and noticed some disturbing information. Experian has had a lot of errors that has affected my credit for a long time. 
In the personal summary, the XXXX main problems are as follows : The social security number is completely wrong. As well as the names listed. However, I do know the person that is listed on my report. It clearly states that the name on it is XXXX XXXX who indeed is my son and it is also his SSN on my report. 
Which means they are looking at his history and not minds. Also I wondered why was my application for numerous things always being denied and yet it never hit me til now. Because I know my credit should n't be at a poor status even the other credit monitoring companies have a differential in score.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I was shopping for a car and the I put in a credit application with the dealership. For that single application I filled out, there are now XXXX inquiries into my credit. XXXX for the finance company, and XXXX for the dealership. The dealership claims this is standard procedure. Even if it is, does n't a credit reporting agency take into account multiple credit inquiries when someone is shopping for a vehicle?
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

I called XXXX customer service and they told me they report to all XXXX credit agencies every month. They also told me to contact Experian because the problem is on their end not XXXX. I totally agree with XXXX because XXXX and XXXX are reporting properly with XXXX. It 's only Experian that is not reporting this credit card. I feel they are doing this on purpose to suppress my credit score so I pay higher interest rates. I pay all my bills on time and many credit card companies use Experian. This is why the Experian will not add my XXXX Credit Card. I have been asking them for months to add my card to my credit profile XXXX # XXXX
Consumer complaint received 2018-05-29
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: Self Lender Inc (MS)

A self lender account was open in my name without my consent. When an alert was sent out to me I immediately contacted XXXX about the self lender account. They immediately closed the account and told me that no one will be able to reopen an account in my name. The damage had already been done because a late payments was put on all three of my credit reports which in result cause about a 30 point drop on all three credit report. I disputed the account as well but it not fair for me to lose my points and not regain them due to an account being open without my knowledge. I feel this is a problem that need to be fix asap.
Consumer complaint received 2015-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

I have made numerous disputes to Experian about incorrect information on my credit report which has not been completely investigated. Or removed. 
Both XXXX and XXXX both processed the same complaints and removed the obviously incorrect information on my credit reports. 

Incorrect information still on the Experian Credit Report:1. XXXX XXXX account XXXX ... .listed is not my account. It was my husbands account he used for business and was written off when he filled for Bankruptcy for himself. 
I have requested where Experian confirmed this information and did not receive any responses. I believe that just have not taken any action other than sending back a Credit Report with no changes. 
This account is also listed as an individual account. Which it was my husbands. 
If I was on this as a joint account XXXX XXXX would have not written off the account since I did not file bankruptcy with my husband. 

2. Report listsSocial Security number variations : XXXX This is not my social security number. It is my husbands and should not be listed on my Credit Report. 

3. Incorrect address is listed on my report. I never lived there. It is incorrectly listed as a single family residence. It is a XXXX mailbox location. It was an address my husband used for his business. Not I was not on the account and never received mail at this location. 
XXXX XXXX XXXX # XXXX, CO XXXX identification number : XXXXType of Residence : Single family4. Incorrect address is listed on my report. I never lived there. It is incorrectly listed as a multi family residence. It is a XXXX mailbox location. It was an address my husband used for his business. Not I was not on the account and never received mail at this location. 
Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXAddress identification number : XXXXType of Residence : Multifamily5. Experian Dispute processing is deliberately difficult. 
The Address and the Social Security number disputes were refused in an online submittal. I was told i could submit online documentation and that was also blocked.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Disputed 'Date of XXXX Delinquency ' regarding XXXX XXXX XXXX XXXX. Experian is reporting date as XX/XX/XXXX when the correct date should be XX/XX/XXXX ( last date current was XX/XX/XXXX ). Confirmed this information with rep at XXXX and despite providing contact information to this rep, Experian has returned the information as verified and just updated the tradeline to be designated as a charge off. 

I asked the rep for the method of verification, which she could not provide, she stated it was updated after my conversation with an agent on XXXX. I had not called prior to yesterday XXXX XXXX XXXX and my original dispute was in writing ( sent on XXXX, delivered on XXXX via XXXX XXXX ). She then changed her story and told me that they sent the letter to XXXX and came back with the same information. 

I explained to her that the same thing happened with another credit bureau and the only way I was able to get them to investigate properly was after filing a complaint with CFPB so I mentioned that I may have to do the same for Experian to ensure the investigation is conducted properly. I wo n't say she threatened me, but she definitely tried to scare me by telling me to do what I had to do but to be careful as sometimes after filing a complaint/re-investigation, things come back updated with a different date, which would delay the date that the tradeline is due to fall off my credit report. Her name was XXXX and she was on XXXX XXXX ' and I spoke to her on XX/XX/XXXX. 

I am attaching a copy of the letter that was sent to them for the dispute. All I want from them is to properly investigate and update my credit report with the correct information.
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CO)

I signed up for the XXXX XXXX XXXX card ( with XXXX XXXX ) from Chase Bank. I signed up under an offer where I would receive 50,000 bonus miles after spending {$3000.00} in the first 3 months after opening my account. However, when I went to purchase a plane ticket with XXXX, less than an hour after I applied for this credit card, I discovered another offer where I would receive those bonus miles, and also a {$100.00} statement credit after my first purchase. I contacted Chase to see if I can receive that promotion, both through phone and XXXX Messenger, and was told that I could not change my application to receive that offer. It did not seem that I would be able to change or cancel my application without affecting my credit score. It appears that Chase is using this mere technicality as an excuse, and do not care about me as a customer. I have attached a screenshot of the offer I have mentioned here, and would like Chase to honor.
Consumer complaint received 2017-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I 've had multiple problems with this company. The first is that the debt that they have listed on my credit reports is not valid, meaning I never owed  XXXX   XXXX   XXXX  any money. I cancelled my  XXXX   XXXX   XXXX   XXXX  account years ago and there was no money owed on the account when it was closed. The problem is, the agents at  AFNI ( debt collection agency )  refuse to investigate this issue and have only responded to my mail correspondence with form letters. Furthermore, they have " re-aged '' the debt illegally after I 've spoken with a phone agent ( this happen ed on two occasions ). When  I say " re-aged '', I mean that they reset the beginning date that the debt was incurred causing this account to appear on my credit reports much longer than the usual 7 year time frame. My understanding is that a collection agency can only do this if I agree to a payment arrangement ( which I have not ) and then default on said arrangement. The only thing I 've ever told them by mail or over the phone is that this debt is not valid ( not mine ). I 'm getting very frustrated with them and have hired an attorney to try to get them to remove this from my  XXXX  and  XXXX  credit files  (  does n't appear on my  XXXX  report ). I also will no longer call them due to their unscrupulous tactics. I 've uploaded the latest correspondence that I 've received from them which is essentially a form letter. They 've sent me this same letter each time that I 've written them.
Consumer complaint received 2016-10-31
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (NV)

This matter has to do with PayPal. I have sold goods and I used PayPal to get paid and now PayPal wants to hold my money for 6 months with no cause. Paypal sent me an email requesting further information before the money would be released to me. They asked for an invoice of the goods, tracking information with weights and dimensions and my state issued drivers license. I provided all of the information the same day. Soon after they said they wanted me to pay on an old debt that my dad owes. Why would I have to pay for this?? He 's his own person and legally it 's his debt not mine. I 'm only XXXX years old and live at home with my parents and because the address is the same they want to pin my fathers debt on me. Makes absolutely no sense what so ever. I am not legally obligated and PayPal is holding my money hostage again I 'm sure not legal. My customer is happy with his products and it has been now 3 months.
Consumer complaint received 2015-11-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

Regarding PayPal account holders. If you see a " hard inquiry '' showing on your credit report score by XXXX/PPC, it is PayPal. I was automatically applied for PayPal credit without consent.I never even considered applying nor did I see anything in writing warning me I was signing up. I have used PayPal ONLY to make purchases, when and ONLY when, I have the correct funds in my banking institution. Because of this " hard inquiry '' by PayPal, my credit score has dropped significantly which really makes me furious as I have worked very hard to be debt free and credit worthy. I will never use PayPal again and will use every opportunity to inform other people.
Consumer complaint received 2016-04-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (SC)

On all XXXX Credit Reporting BureausI am asking that th dated XXXX/XXXX/XXXX, There is a collection report with no account number or verification of what this collection is for. The Original creditor was reported by XXXX XXXX XXXX XXXX XXXX XXXX. When I tried to research this company, it only gave me air conditioner companies in the XXXX area. There is no such phone numbers or address I could find. It also gave the collection agency as IC System in XXXX XXXX, MN. It shows as open on XXXX/XXXX/XXXX and {$93.00}.