davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (GA)

I HAVE NOT RECEIVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECEIVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY! I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS!
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (LA)

I am filing this complaint against National Recovery Agency for repeatedly attempting to collect a debt that I do not owe. This debt is over 10 years old, and despite my continuous disputes and successful removal from my credit reports in the past, this creditor continues to pursue me for an account that is not mine. 

The original creditor, as per National Recovery Agency, is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and the amount they claim I owe is {$1100.00}. However, I have never had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and similar accounts have been erroneously reported to other debt XXXX in the past. 

Details of the Complaint : XXXX. Long-standing Dispute History : I have disputed this account with multiple debt XXXX over the last XXXX years. In XX/XX/XXXX, I successfully disputed a similar account with XXXX XXXX, which also claimed I owed money to XXXX XXXX XXXX for a different amount. That account was removed from my credit report after an investigation confirmed it was not mine. 

XXXX. Erroneous XXXX XXXX : Despite the account being resolved in my favor in the past, National Recovery Agency bought this debt and reopened the same false claim. They have reported it to credit agencies and continue to pursue collection activities, causing me distress and financial harm. 

XXXX. Incorrect Debt Origination Date : The creditor is now listing the debts origination date as XX/XX/XXXX, but I have been disputing this same debt under different agencies for over a decade. They continue to reset the clock on the debt, which appears to be a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

XXXX. Repeated Pursuit of a Nonexistent Debt : This creditor is using the same erroneous information that has been used by previous debt XXXX, even though they have never been able to provide valid proof that this debt belongs to me. This is an egregious violation of my consumer rights, and I have had to spend countless hours and resources disputing this account every time it is sold to a new agency.
Consumer complaint received 2023-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

According to the Navient settlement, I should be filing this complaint I believe. I had a bunch of Navient loans, and I filed bankruptcy in XXXX. I was advised I could not put my loans on my bankruptcy.. I was denied consolidation and forbearance of my loans due to my debt to income ratio, that coupled with the sheer number of the loans that it took to complete my education. they also somehow kept many of my loans out of default, despite me not being able to make payments on them since the minimum monthly on each equaled more than my monthly income. I ended up with several loans registered as current, that had not been paid on since XXXX HOWEVER, several of my loans DID go into default, and the lenders consolidated with a debt collector, rather than me, and then garnished me for years, which they continued to do for MONTHS after the federal freeze on student loan repayments due to Covid they mustve garnished me an additional 4 to 6 months at least after that student loan repayment freeze. I was making XXXX an hour and paying over XXXX a month in garnishment due to both the loan repayment, coupled with their debt collectors fees, because they simply refused to consolidate for ME when I tried.. that wasnt good enough. I also should mention the entire duration of my four-year degree I was receiving Social Security XXXX, and had been since the late 90s?. Im about to file for a second bankruptcy now due to what these loans and garnishments have done to the REST of my lifes debt.. theyve impact EVERYTHING, not just themselves. Ive been denied housing, dental care, My dog has been denied medical care.. ALL because of them.. and thats just the tip of the iceberg that stuff people dont think about I cant even do scratch pay because of them..
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NH)

I have never had an account with XXXX I checked my credit report and disputed this item and the item came back as verified, which is impossible considering I have never had an account with XXXX. I would like to know how this information was verified and who was spoken to, in order to verify that this debt belongs to me. This is a blatant disregard of my rights as a consumer.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (FL)

As part of the resolution of a previous complaint, the bank was supposed to ( 1 ) send me a check to my address of record for the balance in my Savings account and then close the account, ( 2 ) send me a check for the balance in my Checking account and then close the account.

None of these actions have been taken by the bank. In the meantime the lack of responsiveness by the bank has prevented me from investing these monies while interest rates have been falling. 

Due to their lack of security, lack of responsiveness and lack of problem ownership, I will NOT give instructions by phone, mail, online or any other method except through my CFPB complaint/resolution process.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

: Complaint Regarding Inaccurate Information on Credit Report Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Complaint against : Equifax Information Services LLC XXXX XXXX, XXXX XXXX XXXX XXXX Dispute of Erroneous Information on Credit Report I am writing to file a complaint against the three major credit reporting agenciesXXXX, XXXX, and Equifaxfor inaccurate and erroneous reporting on my credit file. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
Below are the details of the disputed accounts and information : * XXXX  XXXX - {$600.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Credit card, Closed. 
* XXXX XXXX XXXX XXXXXXXX - {$11000.00} and {$9200.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Auto Loan, Closed. 
* XXXX XXXX XXXX - {$1500.00} * Collection account, past due as of XX/XX/2023. 
* Original creditor : XXXX XXXX, XXXX XXXX, XXXX. 
* XXXX XXXX - {$130.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Credit card, Closed. 
* XXXX XXXX XXXX  - {$24.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Secured Card, Closed. 
* XXXX XXXX XXXX - Secured Loan * Paid, Closed with late payments. 
I believe this issue may be a violation of the Fair Credit Reporting Act ( FCRA ) and require immediate attention. 
I have made several attempts to correct these inaccuracies with the credit reporting agencies without success. These negative items are impacting my credit score and ability to obtain credit. I request the CFPB 's assistance in investigating these errors and ensuring that my credit report accurately reflects my financial history. 
Enclosed, please find copies of my correspondence with the credit reporting agencies, along with supporting documents that prove the inaccuracies. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 
Sincerely,
Consumer complaint received 2023-07-30
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: EQUIFAX, INC. (CA)

I recently viewed my credit report and multiple accounts has been opened with out my consent nor do I recall any knowledge of these fraudulent accounts, names, address that are reporting to my credit. I took immediate action when noticing these items by contacting all three major credit bureas and creditors that are reporting these negative items to my report that are causing financial losses and emotional distress causing me to be denied credit and pay increase interest rates XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/year> I contacted Ally Bank. I have approximately {$46000.00} between a savings account and a money market account. I needed to have a check from the money market for {$3200.00} paid to someone providing services for my home. Teh bank advised me that my account was frozen. They advised me that there was nothing that I could do to address the problem, as it is their process to contact me. In other words, " don't call us, we'll call you. '' This has wrongfully deprived me of funds that I need to live. I offered to fully authenticate or provide any information that they need. They declined and said " that is not their process '' I have been left in an impossible position and they have wrongfully taken my funds.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (IL)

Chase mishandled my personal information. 

I've applied for a personal credit card ( XXXX XXXX ) and my Information was automatically filled in on some of my information, including address, as I have another account with them.

I also have fraud alert on my credit report which Chase would have to call me and verify this information, including the address. So, it's a surprise to find out that I didn't get my card, and I called in to find out why after it was sent almost 3 weeks ago, and I was told by someone with no common sense that " I put the wrong address on the application '' which is just not true, especially since their fraud department verified it, which makes the address clear and valid.

So, this person I've spoken to with no good judgement said the cards were returned due to invalid address. First, again address was validated... I'm not stupid, I know my address! and second, they have it on file. 

I believe Chase either had a scammer working with the department that sends out the cards and changed the address, Chase changed the address on its own for whatever reason or Chase had an employee that sends out the cards handled 2 accounts at once and mixed up the addresses and now it may be 2 customers affected by their mistake. 
But Chase is blaming me for their security mix ups on my personal information that someone could have got ahold of. 

Now after repeatedly reverifying myself to this person with lack of sense, I still can't get the card, nor access the account/account dashboard because I'm not verified with them and the phone, I called from is connected to their system. How silly is that.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Sincerely XXXX XXXX
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (FL)

I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted XXXX, XXXX, Equifax and the original creditor XXXX XXXX XXXX and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited XXXX in the the ATM machine. 
The money never showed up in my chase bank account. 
I called to dispute my money they gave me the money till they investigated and then without any explanation closed the case and took the money back. 
I spoke to branch they cant help. 
I told them I have proof that I deposited the money. And there is camera In the bank and on the ATM machine they could see I deposited the money on that date. 
They dont care and they not giving me my money back. 
I work hard for this money and I dont understand why they cant investigate more?
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc (FL)

The company 's name is affirm it's a credit card company on internet I payed the bill off was XXXX cents when I called to close it I was told to call back in XXXX days that I had to wait XXXX days to close account. I don't owe anything so I think I should be able to close it as soon as I call them.thank you for your help.
Consumer complaint received 2023-07-30
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (NC)

The U.S. Department of Education recently announced that it will approve federal student loan forgiveness for XXXX borrowers who were deceived by XXXX job placement claims and submitted a valid borrower defense application. The Department of Education is continuing to process new and existing applications and expects to approve additional claims. All borrowers with approved claims will receive full loan forgiveness.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Mailed two payments ( Money Orders ) one was posted other one wasn't on XXXX XXXX with Capital One Quick Silver I have called them XXXX times they can't find my {$50.00} payment now I have been charge a late fee and my credit rating on XXXX XXXX has went down. I am on a fix income can't send another payment I want to pay these cards off and close them.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

According to 15 USC 1611 ( I ) I have a right to privacy. There are several inquiries on my report that doesnt belong to me. Please remove these inquiries. There has been reports of a data breach and it has effect my credit report and score. I believe the company has to be responsible to adhere when something is wrong. All inquiries need to be removed from my report. Also there should only be two ( 2 ) addresses on my report I have not lived any where else. Addresses are not mine
Consumer complaint received 2023-07-30
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. (IL)

Ive sent a letter to Equifax regarding potential identity theft. Please see attachments for reference. I requested that Equifax block and delete accounts due to Equifax not obtaining my consent before reporting anything on my consumer report.
Consumer complaint received 2023-07-30
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. (GA)

I am a XXXX XXXX XXXX I was trying to buy a XXXX XXXX to scale my business and realized I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my report. It is a defamation of my character.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (AZ)

Dear Consumer Financial Protection Bureau, I am writing to provide an update on an ongoing issue I have with Citibank. 

To provide a brief overview, I had initially submitted a complaint ( Case # XXXX ) regarding the difficulty in closing my Citibank accounts . Subsequently, I received a communication from Citibank 's Executive Response Team dated XX/XX/XXXX through the CFPB, confirming that all my accounts were closed. This was a satisfactory outcome. This bank account closed confirmation attachment is provided. 

However, on XX/XX/XXXX, I received an email from Citibank prompting me to update my contact preferences for an account that I understood to be closed, causing concern and confusion. Their email clearly shows the " Account ending in : XXXX '' bank number on their communication. I reached out to the Citibank Executive Response Team via email on XX/XX/XXXX, requesting clarification on the status of my accounts, removal of my personal data, and unsubscribing from future promotional and account-related emails ( copy of this communication is attached ). 

Despite waiting for a response for more than 8 days now, Citibank has failed to acknowledge or address my concerns. Given the lack of response, I am understandably worried about the handling of my personal information and the true status of my supposedly closed accounts. 

I am seeking your assistance once again in this matter to ensure my accounts are indeed closed, my personal data is protected and handled according to the proper privacy laws and regulations, and to cease receiving promotional or account-related communications from Citibank. 

I appreciate your continued assistance and look forward to a resolution in this matter. Please do not hesitate to contact me should you require any further information. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NY)

The company had false advertisement to allure new customers to open a new account with them. They declined the {$400.00} open account bonus that I am entitled to get. Their offer terms on the website says " earn your {$400.00} business checking bonus by opening a new business checking account between XX/XX/XXXX and XX/XX/XXXX ''. 
I entered the promo code for this program and submitted my application online on XX/XX/XXXX at XXXX. 

All terms were met and I had contacted them more than 10 times over the phone and spent hours and days on getting this {$400.00}. Finally they declined by saying the account was approved on XX/XX/XXXX which made me disqualified for the bonus.