davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-06-02
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CRESCO CAPITAL INC. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-06-02
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: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have noticed this incorrect item appeared in my report. I don't know how they can validate this information and put it on my file, but this isn't mine. This is negatively affect me and my scores.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (NV)

I received a text message from Harris & Harris stating that I need to log in and pay a debt for a previous tenant of an apartment I lived in briefly. This tenant did not live at the apartment when I did. The name if " XXXX XXXX XXXX '' and they owe the Harris & Harris {$100.00} who is acting for the San Deigo Association of Government as a debt collector. 

At no time was I offered an ability to contact anybody or try to get this issue rectified. I called the telephone line provided and was on hold while XXXX with XXXX for several minutes and after being on hold for several minutes I was left with the option to leave a voice message that software would dictate. Since my body is in XXXX XXXX  right now and I am not able to speak, this is not an acceptable solution to reach out to the company to resolve the issue, as a brief phone call with a human would suffice. 

I am most disturbed by the fact that clicking the link provided logged me into XXXX 's account with options to pay her debt which to me seems like a privacy breech. I have never met XXXX but I remember this tenant 's mail would sometimes arrive at the residence that lived at while working as a XXXX XXXXXXXX during XXXX in XXXX XXXX XXXX CA. 

I would think at the very least the company should not allow any random person to log in and learn about someone else 's debt without a verification process. 

My other fear is that perhaps this is identity-theft related and someone gave them my number falsely because it was associated with the address at some point. 

If the company had an easy way to rectify the issue by phone I wouldn't have resorted to a formal complaint.
Consumer complaint received 2022-09-07
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. If I receive another response that stalls the correcting of the errors on my credit report, I will be forced to take additional actions to ensure my rights are honored. Please DELETE this account form my file : Original creditor : XXXX Date opened XX/XX/2021 XXXX $ XXXX
Consumer complaint received 2022-06-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Counsel, Inc. (FL)

On XX/XX/2022 at XXXX, I called Credit Counsel Inc XXXX XXXX ) XXXX, a debt collector representing XXXX XXXX XXXX in reference to a collections account in the amount of {$280.00}. I offered to pay the amount owed. The response from the guy was that the amount owed is almost {$700.00}. I asked how is that possible, and he said that administration fees are being charged. I told him that I understand that they are a business and need to make money, but {$700.00} on a {$280.00} debt seems to be a bit overkill. As a business owner myself, I offered to pay them {$350.00}, as I thought that {$65.00} would be a reasonable " administrative '' fee for them. He refused, I then asked if he could break up the amount that he was asking into smaller payments and he refused as well. I then impolitely told him that I guess we will just play the waiting game and wait until it falls off my credit and then no one gets paid. Also keep in mind that this a medical bill, and I was out of work for a significant amount of time, hence the reason this account went to collections.
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

In XX/XX/2018 I purchased a {$500.00} gift card from XXXX XXXX in XXXX XXXX NY. I paid with my Chase account. The gift certificate was only valid for one year, this was not disclosed to me until after purchase. XXXX was closed for over 6 months when the owners sister had XXXX, so we are told, and the remaining 6 months we were told there was no availability. When we complained we got a 1 month extension and were told to accept a single date in XXXX that did not work for us. Please help, the owner has kept our money and has been completely unwilling to work with us to fulfill the certificate we purchased. No services were ever rendered as we were only given 1 date that the certificate could be used for an entire year and that 1 date did not work. At the time of purchase I was told the certificate could be used at any time without restriction.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

The debt is stated to be for medical bills, I have been cover under family insurance when the incident in question happened. I was contacted by the company to settle on {$1100.00} but I feel that is was wrongfully targeted by this company because during the time of my visit to the hospital I was completely covered by the same insurance that I have now.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I, XXXX XXXX have sent multiple dispute letters via certified mail regarding a bankruptcy reporting inaccurately on my consumer report. The bankruptcy is not reporting on XXXX, but is reporting on XXXX and Experian. Though I have presented proof, neither will remove from my consumer report.
Consumer complaint received 2022-06-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FCI Lender Services Inc. (CA)

I am asking for a few minutes of your attention. Please. I am coming to you as my last hope of being heard. I am frustrated. I have looked for help in different places : HUD, FHA, CA-HOPE to name a few of those places, as soon as I started telling them that I needed help with my mortgage lender, who ended up selling the property at an auction sale. I can no longer continue when they tell me that everything is already lost. In pain I have already learned to live, in frustration I am afraid to live. 

It's not fair this, impotence, with sadness that I feel seems not to move anyone.. More empathy for each other. Please, all of us, in one way or another, share the same pain that covid left us. XXXX  took my father away from me, a little earlier I had lost my younger sister, the mourning process led me to a deep XXXX that prevented me from working and unfortunately I missed payments on my mortgage. in my vulnerability and ignorance it did not allow me to avoid being scammed by fake people promising to help me with the loan modification that I did not have to talk to the bank. They took money from me and made me waste my time. The bank started the foreclosure process with a sale date on XX/XX/2022 a few days before. I contacted the XXXX XXXXXXXX XXXX. They told me that they would stop the sale so that the bank would give me the opportunity to reach a settlement. 

I do not intend to get rid of my payments. I want the property returned to me. I am working. I can show that I can continue with the payments. I also applied for Mortgage Relief. It is pending. I need legal help as soon as possible to see everything from the sale of the property and review the loan contract. I feel that something is wrong with the contract because they started the loan with a 9.99 % interest rate for just one year. They raised the interest rate to 20.87 %, the rate they never mentioned to me when signing the contract. Today I only heard it say that I had already lost the property. I need help, please, somehow recover the property. I can show that I will not have problems with future payments, but the bank did not listen to me... Please help me with information, with a lawyer with something to help me. Do not ignore me. I beg you to help me. It is a plea for help. 




If someone speaks XXXX it would be better but if not, it's fine I can understand everything, because of my accent it's difficult for me. Thank you again.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (NY)

Several weeks ago saw that my fico score dropped 99 points. Got XXXX  report. It showed I owed {$2200.00}. for medical debt. Creditor was. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX. XXXX XXXX XXXX Called them found that the debt was my sons for an ambulance run in XX/XX/XXXX. Called XXXX XXXX XXXX. They told me that they reported to Simons my sons name ( he is a XXXX ) address and DOB. No SS number as they did not have it. Turns out that they had his DOB off by one day which happened to be my day and month date. Simons then added my SS number to the information and reported to XXXX  that I owed the money. My address is not my sons address. Called numerous times to Simons ( 11 ) got transferred and disconnected three different times. Was told early on by XXXX that she would call billing company and call me back. No call. Spoke to XXXX next day. Explained situation to him. He put me on hold to check things, was then disconnected. Called back at once got his voice mail. Left message, no response. Sent email to XXXX XXXX ( supervisor? ) explaining again the situation. No response. Called XXXX XXXX on XX/XX/XXXX. She told me my credit was fixed and would email me confirmation. Nothing. Emailed her again. Nothing. Want them to acknowledge their mistake and give me written confirmation that my credit is fixed and that this was never my issue.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

Pursuant to 15 U.S.C. 1693f, I hereby demand that your financial services institution remit reproductions of any and all documents/materials used to substantiate the conclusion that a billing error did, or did not, occurr. [ Background ] My mother made an ACH payment authorization to have funds debited from her bank account to pay on my statement. The authorization took place on or around XXXX XX/XX/2022 and was returned with XXXX -- unable to locate. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. I filed a billing error notice within the sixty ( 60 ) day period. XXXX XXXX, in Discover Executive Office of XXXX XXXX, conducted an investigation. In a follow-up conversation he conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the last four ( 4 ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the last four ( 4 ) digits of the account number to match against the phone-based ACH authorization with a live agent that occurred on XXXX XX/XX/2022. And, although he was given the full routing number for the financial services institution, he was not provided with the first name and last name as keyed into the XXXX authorization by the live agent. This is troubling as the error could be on the part of Discover and its live agent. The investigator was not provided with that information. The steps in the billing error process are quite clear. 15 U.S.C. 1693f ( d ), " Absence of error ; finding ; explanation, '' states ''If the financial institution determines after its investigation pursuant to subsection ( a ) or ( c ) that an error did not occur, it shall deliver or mail to the consumer an explanation of its findings within 3 business days after the conclusion of its investigation, and upon request of the consumer promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. The financial institution shall include notice of the right to request reproductions with the explanation of its findings. '' XXXX XXXX resonded to CFPB complaint XXXX with a copy and paste summary -- there were no documents attached. XXXX XXXX XXXX, as agent for Discover, is knowfully and willfully violating 15 U.S.C. 1693f ( d ), or he has no docunentation to indicate a reasonable billing error invesigation was conducted. If you refuse my demands, I will pass this matter along to my attorney and file a complaint with DOJ : US Attorneys Office for my district.
Consumer complaint received 2023-03-09
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MD)

I received an email from Chime Bank stating that my account would be closed On XX/XX/2021. There was no explanation listed. 

Today ( XX/XX/2021 ), I attempted to use my airline credits for travel. The travel agency informed me that a refund had been issued to my Chime card. The refund was issued on XXXX XX/XX/2021. The refund would take 3-10 days to appear within my account.

I reached out to Chime Member Services who stated that the refund was in fact Issued. 

I have no way to speak with someone within customer service to determine what activity led to my account being closed, or how I will receive my refund. 

Please assist me with this matter.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2019 I contacted American Consumer Credit Counseling ( ACCC ) to attempt to enter my Capital One card into a payment plan. On XX/XX/2019 I received a letter from ACCC that my account had been denied based upon the fact that it was currently on an internal plan with Capital One. My account was not on nor ever has it been on any repayment plan with Capital One. Upon contacting Capital One, I was told that the reason I was denied was due to the previous internal plan, however, when I stated that I had not been on a plan they could find no record of ever being on a repayment plan. I was informed that they would perform additional research and to call back in a few weeks. Roughly 3-4 weeks later, I contacted Capital One again and transferred between 2 representatives and 1 manager. The manager informed me she had no updates and still could not sort out my account. She advised I would need to send my request via correspondence to general inquiries. I submitted the requested information in XXXX outlining all information that was advised to me via phone conversations. I then received a letter on XX/XX/2019 that stated " We are unable to fulfill your request through written correspondence. '' I then contacted the number listed in the letter so that I could receive assistance with my request. The representative again stated they could find no record of my account being on any repayment plan at any point and that I simply needed to have that removed. They were however unable to provide any assistance and stated that I needed to again submit the information through general correspondence essentially repeating the process that I had just completed that concluded with no action being taken and told that no one was able to help me in correcting the mistake that the company had made on my account. When I was transferred to a manager, he was extremely disrespectful and would not allow me to explain the issue. I was told that Capital One had made a decision and he could no further support or assistance. I simply had to live with the error that they had made. I was denied any remedy to inaccurate information on my account and this false information is purposely being used by Capital One to deny my entrance into a repayment plan and successfully remedying my debt.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX  - account ending in XXXX, notified me that they sold an account to XXXX XXXX XXXX that was never mine in the first place. This account is fraudulently and illegally reporting to my credit. I would like XXXX XXXX XXXX  to provide evidence that this account is mine, including my signature, and if this cant be done, I would like XXXX XXXX XXXX to delete this from my report immediately.
Consumer complaint received 2023-03-09
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-03-09
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.