davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC (NC)

On XX/XX/XXXX I joined Americor as a customer. It was my understanding they would take my credit balances and negotiate a settlement to prevent me from having to pay the minimum balance and prolong the payments, saving lots of money. The program required I stop paying on my consumer credit accounts and direct all calls and correspondences to them to begin the settlement process. I had to go without paying for months and go into default. Before this, I had not missed a payment on my consumer credit for the purposes of this account. I had built up my credit with my creditors. They said No money is paid by me until a settlement is reached and once the settlement is reached I would use the funds I paid which were XXXX from XX/XX/XXXX until XX/XX/XXXXXXXX XXXX XXXX, and with a loan from Credit9 to pay the settlements and I would make payments to XXXX for the loan balance. They stated I would be able to get other consumer credit, even with the same companies. In XX/XX/XXXXXXXX XXXX  I was informed I was not approved for the loan to pay off the settlements due to a XXXX  I am currently involved. The problem is if they had asked me about bankruptcy the day I signed up, I would Not have signed up because I was aware of my XXXX. I would have continued to make payments on my credit, and still been ablt to use my credit. As a result my credit score dropped terribly due to the default and they wanted me to continue to pay them the long way, with no rebound in my credit score and hefty fees instead of being able to remove the credit settlements, which would have improved my credit. I made all of my payments to Americor monthly based on the closest payday to my payment. I later realized the charges I was paying them were more than what was going to pay in my settlements. I then opted out, I no longer opted into their program, it did not do anything to benefit me as they said it would. I have been damaged terribly, I no longer have the use of any credit which I used for my business. I have no credit to obtain any other credit. There was not 1 question asked about bankruptcy when I signed up, they had all of my information including how much credit debt I had, it was not possible for them not to see XXXX XXXX They have paid pennies on the settlements but most of what I paid was taken in fees by Americor.I could used other ways to pay my credit down but I was assured Americor was the best way to go. XXXX XXXX tried to argue with me when I canceled but I would no longer speak with him about my finances.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

I received a Chase Unlimited card I never applied for on XX/XX/2023 from JMBC Bank. I contacted them, told them I hadn't applied and they told me the inquiry would be removed from my credit report. They gave me information as to how to place a fraud alert on my account through XXXX so anytime there was an application done I would recieve a call to confirm my identity. I set up the alert immediately. 
This alert does work as I was contacted on XX/XX/2023 when I had applied for an XXXX credit card. 
I received an email on Saturday, XX/XX/2023 from Chase saying there was a letter on my account in regards to the recent credit card I had applied for. I thought it was awfully late since I had applied for the XXXX card XXXX weeks prior. When I logged on it was in regards to a card that was applied for on Friday XX/XX/2023. It was a letter telling me I was denied the card, not because of a failure to verify my identity, but instead gave a list of multiple other reasons for the denial. I called Chase immediately, upset that I was never contacted on Friday. They assured me the inquiry would be removed, when I asked why no one contacted me when I have a fraud alert on my account I was told I had to contact Consumer Finance. There is no one to call about fraud over the weekends but I remembered I set up my alert through XXXX and called them. They told me the alert is there, confirmed my only phone number and told me that it is up to the banks to call the customer with an alert, that it isn't an automated system in which I get a call. So I called Chase back Sunday morning XX/XX/2023 to find out why I was never contacted. I was told they could not tell me since the account had been closed, that there was no way to pull any information about the fraudlent account. I told them I inquired about it the previous night, before it was closed, and was directed to contact someone different. 
What it feels like to me is someone did not do their job on Friday XX/XX/XXXX and chose not to contact me, when I called about this error they again chose not to do the right thing and instead passed me off to be someone else 's problem. I took the steps I needed to take to protect myself and the Chase actively chose to not do what was required of them.
Consumer complaint received 2019-01-13
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: LEXISNEXIS (GA)

I have entered a dispute to have this BK removed from my file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. None of the 3 credit bureaus can verify the BK, ( because the court doesn't share information with credit companies ). LexisNexus is staying that one of the credit bureaus have verified the bankruptcy which is untrue. They refuse to remove this public record or state how it has been verified. Ive reached out to pacer and the BK courts and they both have stated that they do not share Bk information by way of phone, fax or email. LexisNexus has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file. This negative/unverified report is hindering me from getting credit extended to me.
Consumer complaint received 2023-08-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This involves a case where the use of my identity was used by someone unknown to create credit accounts and create debt which were not mine. I had contacted the CRAs and Portfolio Recovery in order to get the issues cleared up. Portfolio recovery Did Not advise that the debt was voided because it was a case of ID theft. They simply indicated that at that specific time they were closing a case, but offered no actual resolution as to the disposition of the accounts they were collecting on the bahalf of XXXX XXXX. The accounts they were collecting were a result of ID theft and as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank I feel I have been put under distress from Portfolio Recovery. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Portfolio Recovery seems to be ignoring these pleas from me to correct the issues in a manner which lets me know these accounts were permanently removed and never to come back again. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me anxiety and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Portfolio Recovery ignores me and continues to leave the situation, as I interpret it, quite open to these debts returning since they are still showing under the creditor 's pursuits. They have attempted to call and harass me in the past and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues in a manner which is final and absolute. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I submitted a complaint already and attached a court order to be removed from this loan. 

I have attached a COURT ORDER that EXPLICITLY STATES XXXX is solely responsible for these student loans. 

The Complaint was closed with a letter from the company stating that I simply " did not want '' to be a co-signer on this loan. They disregarded the court order. 

COURT ORDER FOR REMOVAL IS ATTACHED. 
Please see section IV - 1 which states " Wife shall be solely responsible for her student loan debt. '' I have emailed XXXX directly on XX/XX/XXXX, XXXX, XXXX, + XX/XX/XXXX, but have not recieved a response from them pertaining to this.
Consumer complaint received 2023-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (MO)

I received a letter in the mail from this office saying they are trying to collect a debt that they say I owe to XXXX  XXXX, XXXX I DO NOT HAVE A contract with this debt collector and it seem as thought they have acquired my personal information without my consent.
Consumer complaint received 2023-08-08
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. (FL)

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 Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$540.00} 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 2023-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hello, I received a letter from chase bank on XX/XX/XXXX, which forcibly closed my checking account and savings account, as well as all my credit cards. I called the customer service to ask the reason, but they did not give me any explanation. Just say that it is written in the contract that the bank can close your account at any time. For me, I have not done any illegal operations. I have accumulated credit cards for many years. They closed them as soon as they said they closed them. I also paid on time. I know what caused it Closed my account. I also have a company in chase bank. I write a check from the company to me personally. This is the company 's salary. I don't know why it closed me, and I didn't say anything in advance, so I want to complain to chase bank. The credit accumulated over the years will be destroyed, please help me thank you
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with XXXX & they have failed to remove the item
Consumer complaint received 2023-12-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Credit Management sent me copies of alleged debt but no original signed contract. They sent me more than 5 copies of past due notices and no original signed contract and continued to report this account as late.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX , NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$540.00} ; US DEPT ED XXXX Balance : {$2500.00} ; US DEPT ED XXXX Balance : {$4900.00} ; US DEPT ED 4XXXX Balance : {$3100.00} ; US DEPT ED XXXX Balance : {$2300.00} ; US DEPT ED XXXX XXXX : {$2500.00} ; US DEPT ED XXXX Balance XXXX {$4900.00} ; US DEPT ED XXXX Balance : {$6000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XX/XX/2023 ; XXXXXXXX  XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right XXXX privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which Is backed by 15 USC 6801 which states '' XXXX is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those ON customers ' nonpublic personal information. '' XXXX is a financial institution by definition under that title, 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Avant the financial institution and the Consumer reporting agencies XXXX and Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied be otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to. a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A states " 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 ST naccurate. 15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX681e of this title and and to to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (TX)

I've contacted the below companies that's listed on my credit report as a credit inquiry, to have them provide me with WRITTEN PROOF, bearing my signature, authorizing them to access my credit report, since I have been a victim of several identity breaches recently. 

They have FAILED to provide me with the requested information, see their responses. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  was issued a cease and desist letter because they repeatedly violated consumer laws. This was when it was already in collections. They only remain on my credit for SEVEN YEARS I habe NEVER made any payments to that fraudulent company, or ant of the loteral 25 collection agencies they illegally kept selling and uncollectabke debt to. I've never communicated with ANY of them either, ever. 

I keep reporting to transnion that it is past the 7 year mark and they keep illegally leaving it on my credit. Bow they have allowed XXXX to be on my credit report TWICE and one with a totally false date on it. I disrupted and they close sit stating it's valid with XXXX PROOF AT ALL. 

It's OVER 7 years old, everyone knows it and the same fake and fraudulent debt sure as heck can't be on there twice! It's like they aren't even doing their jobs anymore, just collecting our money to simply exist
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I closed my secured account with capitol one on XX/XX/. They sent me a check in the mail for {$200.00} it got destroyed and I asked for another one and they said that they could not find my account and still owe me {$200.00}.
Consumer complaint received 2023-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC (AZ)

On XX/XX/XXXX, I paid a fee to re-cast my mortgage with Rocket Mortgage ( loan # XXXX ) and spent several hours on the phone completing this process. They said it would take effect in XXXX. 

They subsequently transferred and sold my mortgage to a new bank on XX/XX/XXXX ( XXXXXXXX XXXX, loan # XXXX ), and XXXX has told me the mortgage was not re-cast, nor would they have allowed the mortgage transfer to go through if it was in the process of re-casting. I would need to pay new ( higher ) fees and completely re-apply through their bank to have the mortgage re-cast. Apparently, I also can not speak directly with anyone at XXXX about this, only via email. 

I called Rocket Mortgage on XX/XX/XXXX, and they claim it was due to a mistake on their end, which I was never notified of. An associate didn't note that I *confirmed* that I wanted to have my mortgage re-cast. This is false, as the entire process was recorded. I confirmed the entire process with them on a recorded line and stated " yes '' to several canned prompts. But now they say it is out of their hands as the mortgage has been transferred, and they can not reimburse me for any fees paid. 

I believe the Rocket Mortgage XXXX have purposefully sabotaged this process to allow the transfer of my loan to a new service. I made a substantial payment to re-cast the loan, and I can not continue to pay the non-re-cast amount. They should have never happened, and the mortgage should not have been transferred if there were still noted errors on my Rocket Mortgage account.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I dont have any credit because I came recently to the country so I am trying to build my credit but I didnt have any idea how to improve my credit of building so I started to learning about it and then I realize that I can check my credit report but when I saw it, I had like 33 inquiries and I dont recognize most of them and I dont really know what happened. I think that someone is using my Social Security to apply to different credit cards but as I dont have any credit history, they couldnt be approved and now that I want to apply to some credit cards they couldnt be approved because I have too many inquiries I already locked my credit file because I dont know if that person is gon na be able to continue requesting credit card so were trying to open accounts under my name. I just recognize the one from my car when I did when I came with XXXX XXXX XXXXXXXX and 2 secure credit card I have.