davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (TX)

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019, I applied for Chase Freedom Unlimited Credit card. For the first time, chase hard pull my credit reports which are XXXX and XXXX   and I got reject. So I called Chase customer service to reconsider my application the next day. The second time, I got approve but Chase hard pull my credit report which is XXXX again without my permission. I can understand if Chase checks my credit report for the first time because when I applied for a Chase credit card on the Chase website I agree Chase 's agreement which means I permit Chase to check my credit report. But when I called Chase customer service to reconsider my application on the next day, Chase didn't ask my permission but checked my credit report. Even if this is the same credit card application but chase already checked my credit card one time and the second time they didn't ask my permission but check my credit report. I should have the right to know if Chase checks my credit report. When I called Chase customer service to reconsider my application they didn't ask me they are going to check my credit report for the reconsider.
Consumer complaint received 2020-07-31
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: WELLS FARGO & COMPANY (KS)

Back in XXXX I was involved in a terrible XXXX accident and was in the hospital for several months that Resulted in me losing my job. In XX/XX/XXXX I contacted Wells Fargo and explained my situation and was told that they had a loan modification program I was told at that time while my loan was under review that I did not have to make any payments due to my circumstances While my account was under review. This dragged on for Seven months XX/XX/2014 through XX/XX/2014 after my loan was modified I then received notice that my credit history was impacted due to the lack of these payments While I was waiting for a response. Why'd it take Seven months for them to review my loan remodification? I believe the information I was given at the time was inaccurate and therefore not my fault. Why did they just add another 10 years to my mortgage rather than reducing my interest rate like I was asking? Wells Fargo has a complete disregard for consumers and their only interest is making money for themselves With an absolute lack of empathy whatsoever for any of their clients. 
Wells Fargo customer service has been unwilling to acknowledge their mistake I feel this practice is is wrongful and they should own up to this mistake. I ask that this negative report be removed from all three credit bureaus my next step will be to challenge this in a court of law in the state of Kansas.
Consumer complaint received 2020-06-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MOHELA (KS)

On XX/XX/2020, at XXXX XXXX  I received a call from a number I did not recognize. I do not answer numbers I don't recognize. Shortly after I had the following text exchange with the number who I will call XXXX ( he later revealed his name ). 

-- - XXXX  : Avail for a call? 

Me : who is this? 

XXXX  : Hey [ MY NAME ] .... this is XXXX. I just tried to call you and sent you an email Me : XXXX who? i don't know a XXXX. 

XXXX  : Look at the email, and then let 's talk!! 

Me : no thanks XXXX  : No, we haven't met ( yet ) This is about your XXXX  account XXXX : I am XXXX XXXX ... .. this is my cell, so you can reach me here anytime Me : i don't have an account with a company called XXXX. this is an incredibly unprofessional way to contact someone be it for business or personal means. do not contact me again. 

( Here I received a call from the cell number again, then a call from a second number ) XXXX : This is MOHELA. 

Me : then contact me through a verifiable company number and not a personal cellphone. the XXXX kind of business practice is this? and maybe do it during regular business hours? thanks. i'll be filing a complaint with the FTC. 
-- - I called MOHELA shortly after and asked to file a complaint about an employee who was using a personal cell to contact me. I was directed to their branch called XXXX  and the office was closed.
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NY)

Hi, I was a XXXX internet user, my account number was XXXX. 
I decided to discontinue the service from XX/XX/2020. I paid off all remaining balance and dropped off my equipment physically to a XXXX location. I was told by the representative that I was good to go. And I was not given any receipt, I trusted the person and left the store without any written documents that they received my equipment. 
Despite returning the equipment I received a new statement on XX/XX/2020 from XXXX saying I owe them {$59.00} for unreturned equipment. I called their customer service ( Do not recall the date ) and they confirmed I owe them nothing and the statement was sent out as a mistake. I was told everything has been taken care of. 

However, surprisingly I received a letter dated XX/XX/2020 from a collection agency named MRS Associates that I owe XXXX {$59.00}. 

I called the XXXX  to file a dispute and to resolve the issue, but the representative could not help me. In these circumstances, I made a payment of {$59.00} to XXXX   over Phone using my credit card. 

How can I resolve this matter without hurting my credit score? And steps can a consumer take to avoid such harassment? 
I would like to file a formal complaint of negligence against XXXX. 


Sincerely, XXXX XXXX
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

Initially tried to remove a fraud alert on my Equifax report online, but was instructed to call in order to verify my identity. No problem. I call, only to be asked questions I really couldn't remember the answer to some of by someone I had an extremely difficult time understanding, and of course, they were unable to verify my identity. So, next I was told I need to fax or mail the requested documents to verify my identity. I sent the requested documents ( copy of license and social ) by fax on XX/XX/19 to verify identity and have alert removed, received a letter dated XX/XX/19 saying they couldn't verify my identity and requesting the exact same documents I sent. I assumed since I faxed them, maybe something wasn't received, so I sent the requested documents and information again, this time by certified mail on XX/XX/19 which they received on XX/XX/19, only to receive the exact same letter requesting the exact same documents, this one dated XX/XX/19.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I submitted a complaint about XXXX Credit Card and XXXX  XXXX  because ai had paid my card down 2/3 of the balance and today I received an email stating that I had gone over the limit and ai havent used the card ; I called the automated number and my balance is almost paid off, so I paid the entire thing off and will now be cancelling the XXXX card.
Consumer complaint received 2020-05-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CO)

Hi, As of XXXX. XXXX, XXXX, my auto loan with Ally Auto Finance was paid off. I refinanced the loan with XXXX XXXX and they paid them. 

It has now been a month and a half, and the loan is still being shown as open on my credit report. 

Essentially, my report shows that I have 2 loans. 

I emailed Ally auto last week requesting that they close the loan with the credit bureaus and I received no response and no change in my report.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (LA)

On XX/XX/2019, Its auto services on my XXXX  report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX On XX/XX/2019, on my XXXX  report also hard pulls, XXXX XXXX twice, Exeter Fin, XXXX XXXX I dont understand how they get on my credit report I never approved or signed anything I dont have nothing from these people saying they running my credit
Consumer complaint received 2019-10-20
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. (GA)

falsely reporting on an account that is unverifiable the debt listed was i have no knowledge of and or was written off as loss and paid by the original creditor and then resold to a collection company whom i have no contract with nor have i ever had a contract with resulting in a direct violation of rights granted under fcra XXXX XXXX, XXXX XXXX XXXX FED XXXX XXXX XXXX
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}
Consumer complaint received 2022-10-25
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. (NY)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite the previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be verified or repaired immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$24.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX  XXXX # XXXX Creditor : XXXX XXXX  # XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  # XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor. 


Removal of inaccurate information and unverified information. Federal Registrar is attached for reference to what is accurate and verified data with integrity.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid 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: CITIBANK, N.A. (NC)

I opened the Citi AA advantage card to purchase vacations and to earn XXXX   miles. I purchased a vacation through XXXX. They paused operations and my trip was canceled and I was not refunded. I filed with Citi under services not rendered. I was given a conditional credit XX/XX/XXXX and it was reversed XX/XX/XXXX and I saw I lost my claim. I called and was repeatedly hung up on. I try with the chat to no avail. I was finally able to email and hear that theyd reopen my claim. They only reopened 2 out of the 3. It was supposed to be close on XX/XX/XXXX if the merchant didnt respond. I checked daily that entire week and saw the date kept changing. It changed to XX/XX/XXXX. I checked XX/XX/XXXX and saw the 2 out of 3 were ruled in my favor. I try again in the chat to ask about the  permanent credit that it says has been applied. 

The chat person was rude, redundant, and kept beating around the bush. I wanted to know if the credit is pending since my XX/XX/XXXX credits were reversed. He continued to try to tell me I received the credits and thats the end of it. Be says the merchant provided the credit and keeps referring me to my statements I try to explain to him whats on them and how it shows the charge was put back on my account. ( I know this to be true without looking at the statement for clarification because I was out buying groceries and my card was declined it was over the limit when they reversed my credit 3 days after applying it without notifying me. ) I asked if the merchant applied the credit then is it currently pending, no response. And then tells me to call a number I call twice immediately and am hung up on. The chat person stopped replying to me. 

I close the chat and reopen and speak to someone else whom confirms that the XXXX credits were reversed or charged again and that there is no credit pending. She seems to feel uncomfortable speaking with me as if she was told to direct me to the phone. She was nice and helpful regardless, even though she was reluctant. 

I call the numbers given today And was hung up on twice. I finally reach someone and she tells me that the chat doesnt realize that the claims department closes at XXXX instead of XXXX now. She doesnt try to talk to me nor look at my account. So here I am again without any answers. 

At this point Im closing my account. Im in a XXXX  group and all citi customers are complaining about the horrible customer service and lack of thorough care.
Consumer complaint received 2019-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NJ)

I recently received a letter from Credit Collection Services and I asked for them to send me debt validation and they sent me a letter stating the account is past-due and ignored my request for debt validation. 

Not only did they ignore my request for debt validation, but they inserted a negative entry on my credit reports.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (TX)

After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly XXXX other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.