davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade Recovery Services, LLC (UT)

I have called once a day at different times to see if they answer EVERY MONTH AND NO ANSWER I have tried to reach them over and over to find out how much I owe. Because I only have one last statement from XXXX. That just shows even by leaving voicemails they dont return my calls EACH MONTH. Even their website doesnt let me see how much I owe. Their website only asks how much we want to pay. I had to call the doctors office so the secretary could contact Cooperative Solutions.  I dont want to give them more than I owe and have them not return the left over money because of their lack of communication. Obviously they take the money but dont communicate with their debtors.
Consumer complaint received 2021-09-03
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. (VA)

I sent you a letter regarding the negative items on my report on XX/XX/2021, but I havent been notified about whats going on and its making anxious. I am trying to fix things so I can purchase new house but you're negligence in reporting are affecting me and now I feel like I wnat to seek compensation for all the trouble and stress you caused me
Consumer complaint received 2021-09-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Received a phone call that a debt was going to collections. I called and the lady told me I had a debt for a cash loan through XXXX  XXXX XXXX XXXX for {$500.00}, and if I solve it I would only owe {$600.00}. If I don't solve it I will owe {$2000.00} as they will send it back to the lawyer. If I if I pay by XX/XX/XXXX at XXXX XXXX. I can pay {$300.00} and solve my debt. I have never taken a loan and I called the places that do loans nobody has my information ever in their system. The main company XXXX  XXXX XXXX, they are located in XXXX. she then told me that it was an online vendor And gave me an IP address. The name of her company was XXXX XXXX  or a bunch of other names. When asked she said they just do. I called asking for the address and she told me she wasn't able to give that due to business and banking information on files there. She gave me a website which does not look legit. XXXX She claims I can't find the businesses online because they're only at that website and by phone. Her name is XXXX her phone is XXXX XXXX but they don't have an option for an extension and only 2 people ive spoken to when calling 8 times for more information. 
When explaining to XXXX that I have never taken out a loan they continue to tell me that I was responsible for it and after I paid then I could receive documents regarding my loan and regarding the collection but they could not send me any paperwork until I made the payment to them. Upon looking up everything else to try to find out legitimacy regarding this because I know I have never had a loan taken out I have decided that I will not be making any payment to them and if it goes to my credit I will then reach out to the company and figure it out on how to report fraud in that way. 
XXXX had my previous name, my new last name, my social security number, my birthday and my previous addresses as well as my current. I am worried because they have this information as to what can happen next. so far they have not proven to me that there was ever a loan taken on my name you're under my social because nobody has any information on me taking a loan ever so I can find. And I know I personally have never taken a loan. 
I believe the fraud is them having my personal and private information and I am not ok with this!!
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

i had this capitol one credit card account open since XX/XX/2020 and ive been making payments on time with no problems and never been late and i always paid my credit card bill in full and once never granted a credit line increase at all and i keep getting denied and my credit is not bad with other credit cards and i dont have any late payments on any credit cards and im in the middle of the process of removing some fraudulent inquires off my equifax report my credit limit is still at {$300.00} limit still and yet i haven't granted a {$500.00} limit from this company at all.
Consumer complaint received 2020-09-17
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. (CA)

XXXX  ; XXXX and Transunion are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX. XXXX  and XXXX  are failing to show the following accounts In Dispute. XXXX XXXX partial account number XXXX ; XXXX ; XXXX and XXXX. XXXX is failing to report the following accounts are In Dispute. XXXX XXXX partial account number **** XXXX and XXXX. I have sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (WI)

I had filed a compliant against LexisNexis with the CFPB and due to the company responding my case was closed. The problem still exist and has not been resolved in any way shape or form. I have absolutely no interest in communicating with LexisNexis since they are the offending party to the crime committed against me in the form of identity theft and the egregious violation of my right to privacy. They have no right or authorization to have in there possession my social security and drivers license number, which is a direct violation of my right to privacy. I have uploaded the evidence in the form of documentation that the judgement is fraudulent, since there was a third party involved in the legal action I had to obtain the documentation via legal action to prove the financial harm done to me.
Consumer complaint received 2022-06-10
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. (PA)

XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
These items are effecting my ability to purchase a home.
Consumer complaint received 2021-09-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

On XX/XX/2021 i was informed to contact this company while trying to purchase a new car. The agent who took my call stated i had an outstanding credit balance of {$10000.00} after accessing my account. I then asked the agent whos id number is # XXXX to verify the creditor to who the debt was owed on file she could not tell me who the original creditor was. I then asked for a superior of hers to address the issue. XXXX id # XXXX then took a look at the file and told me that she could not tell me who was the original creditor either. They both stated that the alleged debt was assigned to them eliminating the possibility of them being creditors as defined under Title 15 1692a ( 4 ). I have now requested a verification of the alleged debt. In addition the account balance itself is a violation of Title 15 U.S.C. 1666d treatment of credit balances and should be handled according to the federal law.
Consumer complaint received 2020-09-17
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. (NJ)

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 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I was impacted by hurricane Irma and then Michael and Wells Fargo put me on a disaster forbearance to offer relief. I was promised a disaster loan modification when it was over but they did not do it and forced me to apply for a normal loan modification to save my home. I have income consisting of VA XXXX from military service and this income has always been used in the past for any review. Wells Fargo denied my loan modification because they would NOT recognize my income of VA XXXX. I feel this is a violation of the Fair Housing Act and is wrong. I escalated it at Wells fargo and they sent me to the customer care and recovery group ( office of the president ) which I have found NOT helpful to homeowners in the past as they just rubber stamp any decision without objectively trying to help the homeowner retain his home. I did not request their office but only a normal supervisor but again my request was denied and they sent me to this group which is like going to court in XXXX XXXX ( no fair hearing )
Consumer complaint received 2020-09-17
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. (FL)

XXXX of XXXX Florida is reporting inaccurate data on all three ( 3 ) credit bureaus. At the inception of my contract I purchased a vehicles that needed repair. XXXX had the company make some repairs, but the horn, spare tire, gas tank and radiator was never repaired which later led to major repairs totaling over an additional {$5000.00}. The original loan amount was {$8500.00} XXXX of XXXX Florida did an additional loan totaling XXXX therefore, giving me two loans with the company. After the last repair XXXX of XXXX Florida sent a mechanic out to evaluate the car and they told me they were going to junk the car and give me another car of equal value. I waited for the new car never received it instead I started getting calls talking about repossessing the car. I sold the car to XXXX XXXX when the car was in the shop she never received the car and it is being reported on her credit report as well. I called the headquarters and was told to speak with the XXXX XXXX office XXXX kept hanging up the phone on me and having a Sheriff office calling threatening me. The lending practices should be investigated.
Consumer complaint received 2021-09-03
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. (DE)

I am pleading for your help in getting this erroneous account removed from my credit reports : XXXX XXXX Account # XXXX. I have been disputing this account with the credit bureaus and creditor for over 1 year. Not only is this account not mine but it is also reporting completely inaccurately. Please see the attached snap shot from my credit report pulled on XX/XX/XXXX from XXXX XXXX showing how this inaccurate account is reporting on my credit report. 

How can the loan be reporting as opened with Experian on XX/XX/XXXX and reporting as opened on XX/XX/XXXX on XXXX? How can the terms be " 12 months '' on Experian and due weekly on XXXX? How is my high credit limit {$500.00} on Experian with no credit limit reporting on XXXX? How is the date last reported on Experian XX/XX/XXXX but on XXXX  its XX/XX/XXXX? How is the date last active on Experian XX/XX/XXXX when its reporting as XX/XX/XXXX on XXXX? The account is reporting as charged off on Experian from XXXX XXXX XXXX but was reported as a charge off on XXXX  starting in XXXX XXXX XXXX and now is reporting in good status??? 

I have even spoken to representatives from Experian who stated that they never received any verification that this account belonged to me but simply received a letter from XXXX to " Leave the account on my report '' How is this fairness in reporting?? 

How can this possibly be accurate reporting? Per CFPB 's own website " The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. '' There is nothing fair or accurate about the reporting of this account and it should not only be deleted immediately but I should be entitled to remedy as is my right as a consumer for the year that I have fought to remove this accurately reporting account. This is clearly willful negligence on behalf of both Experian and XXXX. 

Per the CFPB website : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected ... '' This information is completely inaccurate, incomplete and unverifiable and it should be deleted IMMEDIATELY. Not in 30 days as I have waited over 365 days, this account should be removed right away! 

Please remove this account immediately : XXXX XXXX Account # XXXX
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

I have sent an affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p )
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (NY)

On XX/XX/2020 I sent Experian 2 separate letters the first was regarding a bankruptcy the second was in regards to several accounts reporting inaccurate information. My letters were both received by Experian on XX/XX/2020 at XXXX XXXX. Experian conducted its investigation on XX/XX/2020 for the bankruptcy letter and completed that dispute on XX/XX/2020. My other letter regarding the inaccurate information was never addressed in any way by Experian. 

After 30 plus days of no response from Experian I sent a second letter on XX/XX/2020 informing them that they were in violation for not conducting their own independent investigation of my disputes and asked for these items to be deleted from my credit report immediately as the inaccurate information is affecting my credit worthiness. This letter was received by Experian on XX/XX/2020 at XXXX XXXX. This letter was also ignored and no response was sent to me by any means. On Tuesday XX/XX/2020 I called Experian to discuss the status of my concerns and was told by XXXX a representative of Experian that despite my ability to prove that my certified letters were received via the USPS website they had not received my letters there for there was nothing they could do. 

I then wrote a 3rd letter demanding that they remove these items as I can prove that they are in violation of the FCRA for not completing my dispute within 30 days of receiving my letter. This letter was mailed on XX/XX/2020 and was received by Experian on XX/XX/2020 at XXXX XXXX. On XX/XX/2020 I again called Experian to address this matter and was told that the reason my letters have not been addressed is because the address I have been mailing my letters to is a different department. I then verified that the address my letters were mailed to were what is listed on the Experian website in regards to disputes. I then asked the representative even if that was the case how can they explain why on XX/XX/XXXX when both of my original letters were signed for at Experian why the bankruptcy letter was processed and the investigation completed if the address I sent my letter to were wrong. I was placed on hold and after several minutes was told they couldn't explain it at which point the conversation was going no where and ended.
Consumer complaint received 2023-03-27
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. (OK)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-03
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: WELLS FARGO & COMPANY (CA)

XXXX I logged into my Wells Fargo account and it shows a banner that has pre approved offers for credit cards. As I have not had but 1 inquiry in the past 5 years. And recently paying off things that were on my credit, I thought it would be a good time since Im pre approved from the offer from my bank. I have a personal checking. A business checking. Business savings. And business credit card with Wells Fargo. I thought my personal credit must be looking good since they are pre approving me for personal credit cards. Well after I logged into the page Wells Fargo populates all the information and comes back with a denial. I called the next day XXXX and I was on the phone for 1:30 trying to talk to an underwriter to show what was on my credit is marked for deletion and have the papers to prove it. So there really shouldnt be an issue with approving this account. Especially since once again I was pre approved. They transferred me to 4 different people. Most being rude. And refused to get me to an underwriter. They should be a business of their word and extend credit as they have put 2 inquirys on my record in 1 day. They need to remove an inquiry and also extend credit as they pre approved.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (VA)

MY CARD IS DECLINED FOR EVERY PURCHASE AFTER I UPDATED MY NEW ADDRESS WITH COMENITY BANK. I HAVE CALLED THEM 4 TIMES AND WAS PLACED ON INDEFINITE HOLD WITH NO ANSWER EVER BY CUSTOMER SERVICE. I HAVE EVEN EMAILED COMENITY WITH XXXX XXXX RESPONSE WITH NO RESOLUTION TELLING ME TO CALL BACK. I JUST TOLD YOU FOLKS YOU DONT ANSWER YOUR PHONE. THEY WILL NOT CALL ME, CAN NOT CALL ME AND APPARENTLY ARE UNDERSTAFFED AND CAN NOT SERVICE CREDIT CARD ACCOUNTS AS A RESULT. THIS IS NOT ACCEPTABLE AND THIS SHOULD BE INVESTIGATED DURING YOUR NEXT REVIEW OF COMENITY BANK.