davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  AXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

In XX/XX/XXXX, I sent a certified leter to Choice Recovery requesting validation of a {$1500.00} medical debt. As of XX/XX/XXXX, the company neither responded or removed account from my credit report.
Consumer complaint received 2021-01-22
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: CMRE Financial Services, Inc. (CA)

On XX/XX/2017 company CMRE Financial had charged me for an amount of {$350.00} claiming I had used Ambulance Service in the City of XXXX at the time ( never in my life have I taken an ambulance ) I initially noticed I only saw it on XXXX credit agency and began to receive letters in the mail from CMRE regarding this charge/ account. I first contacted CMRE Financial asking to remove this false charge and letting them know they have the wrong person since I was never in XXXX CA in XX/XX/2017. I did not want to give them any personal info to confirm my identity after finding out they have a reputation online for scamming people. So I called XXXX to file a dispute and they resolved it and removed it from my XXXX  Report. Present day, I come to find it was also on my XXXX but this time the amount is an outstanding {$460.00}. The fraudulent charge/ account had been on my XXXX report also since XX/XX/2017 and I was unaware. I tried to contact CMRE Financial to see if things were different this time and they can remove this charge, but they continued to ask for personal information which I was not comfortable giving them. I tried to resolve the issue the same way I did with XXXX and after two disputes being filed, XXXX  is claiming the fraudulent charge/account from CMRE Financial to be accurate which is not the case at all. In the beginning when I was receiving letters in the mail I remember checking the date of the supposed use of the services claimed by CMRE Financial and I was scheduled to work at my previous job. I cant recall that exact date since its been years, but I was at work XXXX the day of.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX XX/XX/XXXX Had to close a checking acct at Citi Bank due to losing checkbook. No longer had access to account online, message was " account closed no access '' Went to a local branch in XXXX, CA on 2 occasions. Requested copies of statements & canceled checks for calendar year XXXX. 
Told could give me copies of statements but not of cancelled checks being a closed account. Emphasized account used for payroll & needed cancelled checks for XXXX income taxes. 
XX/XX/XXXX Decided to call their XXXX service # to request and was given the same answer given at the XXXX, CA branch. 
Kept my appointment for filing of taxes on XX/XX/XXXX. Told by CPA the urgency of getting cancelled payroll checks. 
I file as self-employed. 
Please help me obtain a copy of cancelled payroll checks.
Consumer complaint received 2022-06-01
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. (IL)

On XX/XX/2022 I called and requested that Experian send me a copy of my Consumer file. I was notified by an agent named XXXX that the credit report and credit file are one in the same. I explained using legal terms, that information is incorrect. I made it explicitly clear that I was NOT requesting another copy of my Consumer Report, as I already have such. I also explained in legal terms, the difference between a credit file and Consumer report. 
After having dialogue for a brief moment, XXXX then informed me that he would send my credit file to my current address on file. He gave me the reference number also, which is XXXX. 

On XX/XX/2022, I received a copy of my most recent Credit Report, which is CLEARLY not what I requested. 

15 USC 1681g directly indicates how as the Consumer, I have the right to be disclosed to my Consumer file. It was also made very clear by Congress, what a credit file is, and it is not the same as the Consumer report. A credit file by legal definition means all of the information on a Consumer that is stored and retained by a CRA regardless of how information is stored. Whereas, the report is just a detailed written account of a Consumer 's credit history using financial info collected from creditors.

I am filing a complaint for their negligence to adhere to my federally protected rights as a Consumer. I look forward to this issue being rectified by Experian as soon as possible.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelson Cruz & Associates LLC (NC)

On XX/XX/2020 Nelson Cruz added a derogatory remark on my credit report per XXXX XXXX.Upon farther research this account was sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine.According ti the F.C.R.A Nelson Cruz has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

There are unverified information on my Consumer Report and my report should be 100 % accurate. I am aware that the CRAs need my permission and written approval to release my personal/private info to third parties. These entities did not disclose to me that I could have " OPT OUT '' of having these accounts being place onto my Consumer Report did they disclosure their company policies to me. I am very confusion as to how are the CRAs able to place these fradulent acts on my Consumer Report? Congress has passed 15 USC 1681a Definitions ; rules of constructions ( 2 ) EXCLUSIONS - Except as provided in pargraph ( 3 ), the term " consumer report '' does not include - ( A ) subject to section 1681 s-3 of this title, any - ( i ) reportcontaining info soley as to transactions and experiences between the consumer and the person making the report ; For example - that means no collections, charge offs, late payment, medical bills Judgments and Bankruptiecs etc. Aren't these transactions and experiences? Yes they are! Using my personal/private information is ID THEFT pursuant to 18 USC 1028A which is a Felody and carries a prison sentence of 2 years. I have a Right to Privacy I Demand these fradulent illegal account be removed from my Consumer Report and my Consumer Report score be restored.
Consumer complaint received 2021-11-24
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: ENCORE CAPITAL GROUP INC. (CA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please investigate.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

on XXXX they asked about a charge XXXX XXXX XXXX XXXX charge {$1500.00} on XXXX and wanted I sent them a picture of my driver 's license and SS # and wanted me to go to the bank an withdraw {$10000.00} cash they said they were the Bank of America identity theft
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC (TX)

In XXXX an unknown company reported a collection on my account. I disputed this on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX with Transunion. 

After some research, I determined the account was related to an old account from XXXX. It was an old electricity bill that I never received when I moved. I was made aware of it in XXXX, paid it immediately as agreed, and obtained a release of debt from the original creditor / agency ( XXXX XXXX / XXXX XXXX ). At that time in XXXX I disputed the charges, provided my release of debt letter, and it was removed from my reports with all 3 bureaus. 

Providing the release of debt letter this time around, resulted in only 1 of 3 bureaus removing the information ( XXXX removed it but the others did not ). Not only is the debt more than 6 years old ( possibly past the statute of limitations ) and already settled and paid as agreed, abut the 2 agencies in question are reporting it as a new collection with a date of XX/XX/XXXX. 

Recently, I applied for a mortgage and noticed my scores with XXXX and XXXX are over XXXX points worse than my scores with XXXX. This error on their part is costing me significant money in addition to the time I've spent and frustration I've felt in dealing with this error. 

XXXX doesn't even have a way to dispute the item, when I log into their system it doesn't show up as an item that can be disputed. I had to dispute it thru XXXX XXXX.
Consumer complaint received 2022-06-23
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. (TN)

I have been disputing three accounts on my credit file since XXXX of XXXX, I have requested that the credit bureaus Experian, XXXX, and XXXX to please verify these accounts and how they verified these items and who they spoke with or please remove them from my credit report. 

I have not received a response from XXXX regarding these complaints Each time I get responses from the credit that they verified them but don't provide details of the verification process, who they spoke with etc.
Consumer complaint received 2023-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I have called chase several times requesting a wire fraud scheme of {$16000.00} dollars sent to an XXXX XXXX who was then sent to a XXXX XXXX. 

I sent them money for and XXXX verification badge in XXXX of 2022. As of today I have been blocked on all platforms and denied a refund for the service that was never rendered. When I opened a wire recall withdrawal and spoke with representatives they said it was up to who I sent it to. 

I spoke to XXXX several times who begged me to cancel it and he would help me retrieve my money. That never happened. So I have been defrauded of {$16000.00} and many others have been as well. I will attach the links below. 

I tried to escalate this with chase and they essentially told me tough luck. 

I want a solution to this. I filed a complaint with the ftc and fbi as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (FL)

My complaint is pretty simple. 
When I applied for my loan years ago in the early XXXX, I was advised that I was getting a loan via The Department of Education ... Lo and behold, I'm just now finding out that anything pertaining to student loan debt via the government doesn't apply to XXXX XXXX XXXX ( the company that has my loan ). 
My complaint and question is, when did it happen that my student loan is no longer under the department of education? And why doesn't it apply to benefits given to others during this pandemic? .. 

I was never under the impression that XXXX XXXX XXXX services were " not '' apart of the department of education, because I've always thought that they were, now we're in the middle of a pandemic, and I'm now finding that no benefits being afforded to other student loan recipients, will be afforded to those like myself. 
This is unacceptable.
Consumer complaint received 2021-02-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

following up on previous complain # XXXX This is because the answer received from Nissan Auto Finance is not fair that I have decided to solicitate for the second time your expertise. 

1. it is true that I have postponed 4 cycles payment 2 in XXXX after loosing my Job and 2 in XXXX dues to Covid 19 and the lost of my business at the airport. 

2. During both time Nissan has never informed of any late fee or any interest in using this privilege to rescheduled the payment of the Loan. 

3. Nissan knowing the reason why I was postponing the payment and encountering some difficulties in generating income Nissan never offered me to refinance at lower APR.

4. Nissan in doing so has privileged their interest instead of my interest but more over Nissan as a financial institution never offered an Annual review on my account
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I am a long customer of Bank of America for over 15 years. I have a personal checking account, as well as a XXXX XXXX checking account with them. On XX/XX/2021, I tried using my personal credit card to make a small purchase, it was declined. Then I tried using my XXXX credit card, it was also declined. It I know I have sufficient credit line in both of my cards so I contacted them immediately to see what the problem was. I later found out that Bank of America closed my account, and they are not able to tell me the exact reason but just due to " business decisions ''. I respect their final decision and I plan to go to another bank, but one thing that I find extremely unfair is that they are forfeiting all my credit card reward points that I've been saving and accumulating over the years. The reason why I use these credit cards in the first place is because of the benefits from the reward points. I have {$1300.00} to redeem on my personal credit card, and {$68.00} on my XXXX credit card. It is not a small amount. I understand they can close my account anytime they wish, but the points should be at least rewarded to me for the times that my account was open and in good standing. I've never missed any payment for my credit card accounts.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CT)

I have alerts on my credit report that prevent unauthorized requests hard and soft. Ive had it for over 6 years. My Credit report shows no delinquency in the past 6 plus years, no charge offs, however within the last 2 years have been denied consumer credit services by Equifaxs reporting information as having the following : Key factors that affected your credit score were as follows : Key Factor 1 SERIOUS DELINQUENCY Key Factor 2 % OF BALANCE TO CREDIT LIMIT TOO HIGH ON REVOLVING ACCOUNTS Key Factor 3 PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH Key Factor 4 NUMBER OF ACCOUNTS WITH DELINQUENCY Because 3 out of the 4 factors were alarming and a shock, I checked all credit reports agency for to verify - Loans, I only have 1 active car loan and its reported as paid and on time ; I have Student Loans which are under PLSR but deferred because Im actively in school ; the consumer credit cards that are actively open are all paid and on time and have not delinquent for over 6 years. Theres no option to dispute credit discrimination other than using this outside source. Equixfax only offers dispute of what is currently showing on the credit report and not what they are basing their decision on. If the decision is based on the facts above ; this is inaccurate and i would like for them to provide proof of the said factors used to deny. For the purpose of repairing my credit, I have limited and I enacted financial responsibility to assist in rebuilding and repairing my credit worthiness for 6 years plus time. I believe this is credit discrimination. 

There is no reason for said response to consumer credit requests to be a denial based on the factors they listed other than the factor listed as proportion of loan balances to loan amounts to high. 

This isnt the first incident that this has occurred this is just the final incident that has caused reasonable suspicion that financial discrimination is occurring.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Credit and Collections Inc. (NC)

I was the victim of identity theft in the past, I had my personal information stolen with my SSN and drivers license ( my signature is alo on my SSN and drivers license along with my mailing address ) and ever since I notice accounts, credit card, auto loans and other information showing up on my credit that I am not aware of. I also reached out to the Company and made them aware but they threaten me to pay and if not my credit will be messed up and I will not be able to take out any credit for 7 years
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year> I canceled a transaction from a moving company who fraudently used my credit card with out my authority. He claimed he was an international moving company but hired teen agers who broke my furniture and were not professional movers. 
The fraud dept took my complaint and said that the {$79.00} was removed from the rental of the truck. However for the cancelation of {$2000.00} Would be returned to me in 90 days if Bond Moving had not disputed this transaction. 
After 90 days there was no dispute. XXXX XXXX XXXX was not paid anything from the {$2000.00} .I called and asked why my money was not returned to me? The lady said we gave you {$660.00}... .I asked why? the amount is {$2000.00} ... .she just kept saying g we gave you $ XXXX waited XXXX minutes on the phone to speak to a supervisor who never came. I have tried to talk to the fraud dept and they send me to some other dept that never answers their phone ... .I 'd like XXXX XXXX to return the balance of the {$2000.00} to me. They owe me {$1300.00} .... This is their error not mine .They say I owe over {$1600.00}. Which I do not, this is the {$1300.00} they owe me and accrued interest and late charges they have added to my account. They sent me to collections which dropped my XXXX fico score down in the XXXX. 
I have always paid my bills ..I always paid them way more than what my payment was. I have had several fraud accounts on my bills since I received my first credit card.please pay me the money you owe me..look for your error. Thank you, Sincerely XXXX XXXX