davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (CA)

I applied for a mortgage in XX/XX/XXXX and this company started reporting a {$330.00} debt on all XXXX of my credit bureau reports. I then called them and asked for verification that the debt was indeed mine and proof that I owed the debt. Their response was that they had sent me a letter but I had never heard of them or received anything from them prior to my calling. I explained this to them and they told me I had to file a police report (? ) to get this removed from my report, as if my identity had been stolen. They refuse to verify the debt and send me proof that it is mine.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was shocked to discover incorrect accounts on my credit report this morning, and I have no idea how they got there. I checked my credit report like usual, but this time, there were discrepancies that appeared out of the blue. I even refreshed my browser to see if it was just a technical issue, but the inaccurate accounts remained. Because of this, Im requesting a thorough review of the documents Ive sent so I can avoid this kind of worry in the future.
Consumer complaint received 2016-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IL)

To whom it may concern, I 'm being improperly sent to a collections department by XXXX in regards to a case that dates back to 2012. I have sent numerous E-mails and placed numerous phone calls to XXXX with no response or resolution with my concerns. The issue at hand is that they are attempting to charge me over {$800.00} for a phone that was under warranty and sent back to them. As I refused to pay their felonious charges they sent me to collections. I successuflly had the first XXXX or XXXX collection companies removed from my credit as I contested their collections and stated my case to the various credit agencies. Low and behold the account has been sent to another collections company. I never received anything in writing from the new collections company and only found out when I applied for a refinance on my mortgage. The collection agency is Enhanced Recovery Company and has numerous complaints against them for similar tactics. A simple google search of their company and XXXX will find that there are numerous other people who have experienced the same issues that I have.
Consumer complaint received 2015-11-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (IL)

Before 2011, I had several rewards credit cards from JP Morgan Chase. I used these cards for my daily expense activities. I paid balance for every card in full every month. There is no abnormal activities on the cards. One day, Chase suddenly closed all my credit cards without notification. I called several times to ask about the reason of card closure but no one give me a reason. Written notice also give no reason about it. Since then, I am banned to apply for Chase credit cards any more. I tried a couple of times but always got denied due to the reason of " unsatisfactory relationship with Chase ''. I always have a good-excellent credit history. Right now, I am living in a state which Chase is the most popular bank there. It will be very inconvenient to not have a chase bank cards and accounts. I am expecting Chase to remove me from their " Blacklist '' and evaluate my application based on my credit worthiness.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

I am writing to formally lodge a complaint against Experian for reporting inaccurate information on my credit report, specifically indicating that I do not have a credit score and providing a lower credit score than my actual rating. This erroneous reporting has caused me significant financial hardship and distress. 

I accessed my credit report from Experian and discovered that it falsely indicated I do not have a credit score and reported a much lower credit score than my actual credit standing. This incorrect information has adversely affected my ability to secure credit, resulting in higher interest rates and denial of credit applications, which has caused severe inconvenience and financial strain. 

I have made numerous attempts to contact Experian to resolve this issue, but my efforts have been met with inadequate responses and lack of corrective action. The failure to rectify these errors in a timely manner is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and has continued to cause me undue stress and financial difficulties. 

In addition to rectifying my specific complaint, I request that the Consumer Protection Bureau ensure that Experian improves their accuracy and responsiveness in handling credit reporting disputes. It is imperative that consumers are provided with reliable credit information and timely resolutions to any discrepancies. 

I kindly request that the Consumer Protection Bureau investigate this matter and take appropriate action against Experian to enforce compliance with their legal obligations. I also seek your assistance in correcting my credit report to reflect accurate information and prevent further financial harm. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2015-11-08
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: FIRST NATIONAL BANK OF OMAHA (NE)

Please see complaint : XXXXThey responded today with : Dear XXXX : Thank you for contacting First National Bank. 
In order to fully assist you with your request, please contact us at XXXX. 
Sincerely, XXXX XXXX. 
Customer Care Senior Specialist. 

The only problem is ... ... .There is no XXXX XXXX at the XXXX.?? 

I spent 27 minutes on the phone with the company, today ( XXXX/XXXX/2015 ). Asking for XXXX XXXX ... ... she docent exist according to XXXX Customer Service people. 

No XXXX XXXX and the President of the Company goes by XXXX Different names??? 

Whats up with 1 st National Bank Omaha? ABA routing number : XXXX ... ..at least according to their website. But, who knows? 

Do they pay their FDIC premiums on time???????? 

Thank YouXXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (TN)

i keep getting calls about a debt for someone who i dont know. Ive had the same phone # for XXXXyears, ive explained this to the callers which are numerous but they continue to call. Ive done tickets on other callers with this system. It seems however that once CFPB gets XXXX to stop calling they sell that debt to another collector who then sees my number and this starts all over again.
Consumer complaint received 2015-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (OK)

I 'm currently in the process of rebuilding my credit and have been combing my reports when I came across a collection for an old Internet account back in 2011. I filed a debt verification letter with the collection agency at the XXXX of this month. I received a response the following day, during which they said the account status had been updated and it was placed in an " investigatory status. " When I checked my credit reports XXXX XXXX, my XXXX report shows this debt meets the guidelines set forth by FCRA. On my XXXX report, it shows the debt as being disputed. First and foremost, I never actually disputed the debt. I simply asked for a verification of the debt. 

I called to speak with the original creditor this morning, giving them the account number listed, my social security number, my name and former address the account was listed under and every other piece of information needed. After spending more than XXXX minutes on the phone with them, I had XXXX separate account receivables professionals tell me there is no record of any account or debt with my listed information in their system at any point. 

That tells me the collection agency simply ignored my debt validation letter or rubber stamped it because the original creditor does n't have anything listed for my account.
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

There are XXXX state liens on my credit file. They are not my state liens. They are associated with another person at a different address with my name apparently. After telling this to the bureau over and over again, they have refused to remove it. I even contacted the courts and they stated that they do not communicate and verify information on state liens to the credit bureaus. And XXXX courthouse do not have anything with my complete SSN and address on file. So, I need to know how do the credit bureaus verify, especially if it is not through the main source. And, who gave them permission to do so, if that is what they did. it is obvious that they have the incorrect information.
Consumer complaint received 2015-11-09
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: National Credit Adjusters, LLC (CA)

This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate National Credit Adjusters XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect usury interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department XXXX or the CFPBThanksXXXXXXXX XXXX Ca. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA.
Consumer complaint received 2015-07-16
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: DISCOVER BANK (TX)

I initiated a transfer of funds from two CD IRAs I had at Discover Bank to my XXXX account as I am close to retirement. XXXX submitted the requests within the grace period following the maturity of the CDs. I received over several months numerous calls from Discover Bank stating the transfer paperwork was wrong. My financial advisor contacted Discover, made whatever changes they required, and resubmitted the documents to their IRA department. After several months of trying to get the CDs tranferred, during which time I continued to receive calls from Discover Bank saying the transfer papers were not completed correctly, I spoke with a supervisor on XXXX XXXX who, after researching my account, told me that Discover was calling me about the initial submission and that he had no record of subsequent submissions. As my financial advisor had recently resubmitted all the paperwork and sent it overnight, I insisted he look further. He told me that he did finally find the most recent paperwork, and that the phone calls I was receiving were in response to our initial submission. The transfer went through but Discover assessed me penalties for early distribution of funds in an amount in excess of {$1000.00} based on their contention that the money was transferred after the grace period. After numerous calls, during which I explained that Discover Bank was responsible for the delay ( something that the supervisor I spoke with admitted to ) they told me they would not extend any consideration to me and would not refund the penalty fees. In addition, they were unwilling to provide me with a copy of my initial contract in which they claim they informed me of their penalty policy. After researching reviews of Discover Bank, I see that many people complain of the exact same situation : Discover Bank failing to process transfers of money to other accounts, and assessing excessive fees for doing so. What I initially thought was incompetence I now strongly suspect is a deliberate strategy to delay transfers and then XXXX excessive fees.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Certain time periods of time in the year we deposit checks to our personal account at BOA and also our clients deposit to the same account because of clients convenience sake.We also take business checks for business account with another bank and deposit into our personal account at BOA. Because of this process our checks have never bounced from either account. 
we have been account Bank of America since 1977
Consumer complaint received 2015-12-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a small loan with Bank of America. I have just moved, which they know, and in the confusion of the move and getting settled I missed XXXX payments. B of A, without any authorization, removed monies first from an old bank account ( {$130.00} ) that had not been active in 6 months and when that was rejected they, went to my new local bank account and charged that for {$250.00}. I have since closed these accounts and will going, forward only pay B of A in cash. I called your office and was advised that B of A 's actions were not legal. Hence I am filing this claim asking that B of A be stopped from doing actions like this in the future. To add insult to injury B of A they have charged me a {$27.00} " check returned fee ''. They return of these fees is the only compensation I am looking for. 
Thank You
Consumer complaint received 2015-12-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (OH)

I have received XXXX phone calls from Exeter Finance Corp on my cell phone. I am not the loan consumer, and I did not provide them with my cell phone number, nor did I give them permission to contact me at all, or on my cell phone regarding this account. This is apparently an account for my brother 's loan. When they contacted me the first time, a couple of months ago, I expressly told them that I have nothing to do with his account, and I demanded that they remove my phone number from their system, and make no further contact with me. I specifically requested a supervisor to whom to provide this instruction, and was transferred to a person whom I was told was a supervisor. This person assured me that my number would be removed from their system. During this phone call, enough information was provided by the representative that I was able to determine that they were attempting to contact my brother regarding a past due payment. This information should not have been provided to me at all, because I am in no way involved with the account. 
On XXXX XXXX, 2015 at XXXX, I again received a call from XXXX, and the caller left a voicemail requesting that I return their call regarding an account. When I called back, my call was answered by XXXX. XXXX transferred my call to a supervisor at my request. My call was transferred to a XXXX, who advised me that he was a supervisor. I explained to him that they were calling me again without my permission, and after I expressly told them not to contact me in the future. I advised XXXX that I would be filing a complaint against them for improperly contacting me on my cell phone, and also, if possible for an FDCPA violation, because I am not a part of the account in question, yet they provided information I was not entitled to have during the phone calls. My cell phone number that they have called is XXXX
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (TX)

I reported suspicious activity on my credit card in XXXX to chase bank also informing them that my card was missing. The suspicious activity was reported prior to the transaction clearing. Chase will not credit my account for the fraudulent charges to my account of {$8700.00} My Chase bill shows the following XXXX/XXXX/2016 Debit Card Transaction IMAGEXXXX XXXX XXXX XXXX XXXX X XXXX ( EXCHG RTE ) + XXXX ( EXCHG RTE {$8700.00} First of all XXXX x XXXX = XXXX not XXXX Chase is now trying to use my confusion about the matter ( which mathematically makes no sense ) to say that I 'm somehow at fault, or changing my story because I originally though it to be an overcharge. 
Chase will not contact the merchant for proof of this transaction, even though there have been multiple fraudulent transactions reported from this merchant. I do not feel it is safe to use a debit card if this type of fraudulent activity is not protected.
Consumer complaint received 2024-08-14
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. (GA)

I check all three of my credit reports in XXXX and found that there had been some inquiries made on my credit report without my knowledge or authorization. I sent out dispute letters to all three credit bureaus and have not received a response back from them regarding these inquiries on my reports. I have requested Debt Validation Request and a verification under 15 U.S.C. 1692g ( FDCPA ). I have not received this information as if of today. 
I have also filed a report with the FTC and have enclosed that with this report.
Consumer complaint received 2015-11-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. Midland ignored my letter even though I had it tracked and know they received it in XXXX 2015
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Dear CFPB, I am writing to XXXX  a charge-off account reported on my XXXX XXXX by EXPERIAN, XXXX the Fair Credit Reporting Act ( FCRA ). I request an investigation and removal of the inaccurate information. 

Account Information : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX Date of Alleged Default : XX/XX/year> Dispute : The charge-off account is inaccurate and violates the following FCRA sections : XXXX XXXX U.S.C. XXXX ( a ) - Information shall be accurate : The account status is inaccurate. 
- XXXX U.S.C. XXXX ( b ) - Duty to correct and update information : The XXXX failed to update the account status after payment/full satisfaction. 
- XXXX U.S.C. XXXX ( a ) - Duty to conduct a reasonable investigation : The XXXX  did not investigate my XXXX, leading to continued reporting of inaccurate information. 
- XXXX U.S.C. XXXX ( a ) - Duty to conduct a reasonable investigation : The XXXX  did not investigate my XXXX. 
- XXXX U.S.C. XXXX ( a ) ( XXXX ) - Inaccurate information shall be deleted : The charge-off account is inaccurate and shall be deleted. 

Specifically, I dispute : - The account status as " charge-off '' has been remove from mXXXX XXXX XXXX 

Request : I request the CFPB to : XXXX. Investigate this matter and require the XXXXXXXX to correct the inaccurate information. 
XXXX. Remove the charge-off account from my XXXX XXXX. 
XXXX. Remove any negative marks associated with the XXXX  account. 

Supporting Documentation : I have attached copies of : - My XXXX XXXX showing the inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX of XXXX Please investigate and take appropriate action to correct the inaccuracies.
Consumer complaint received 2016-02-12
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

MoneyGram canceled and refund my transaction after more than 35 hours of having my money blocked - doing that by offering a - In minutes transfer money service. 
XXXX XXXX XXXX 2016 I went to a MoneyGram location in XXXX IL with the intend to send ~ {$1500.00} ( XXXX ) to a Friend of mine in XXXX . I talked on their red phone that they have at that location, that someone automatically answers to guide you with the transaction. 
After I confirmed my name, my friends name and location, the Transfer in Minutes fee for sending {$1500.00} was {$80.00}. So I agree to that and pay the money, I got a Reference # XXXX and they said the money should be available to pick up in XXXX in a mater of minutes. But that never happened because the second day XXXX XXXX I called moneyGram to check the status of the transaction and they said the transaction is under review and that they need to transfer me to a different department that has some question for me. So they transfer me and I waited 20 min and nobody answered.I called 2nd time after ~1h and same story I was transferred to this department that never answers ... and waited for ~32 min this time ... still no answer so I give up. XXXX XXXX in the evening I go to a money gram location next to my house to try to get some answers, I used their Red phone again and guess what, same story I had to wait to talk to this department and they said it may take more the 40 min or 1 hour. So I told them that in this case I just want to cancel the tansaction, because it is not money in minutes transaction anymore, almost a full day past by and I spent XXXX on the phone trying to understand what do they need to review. 
XXXX day the XXXX XXXX 2016 I called them again, same story this time they transfer me and this department finally picked up after just ~15 min waiting for them. And they asked me the same question that they had asked me when I first made the transaction on the phone, my name, my friends name ( the receiver ) and so on ... that finally they come up with this reason that the transaction has to much risk and that they will refund my the money. Now I got a new reference # that I hope I can use it to get my money back, I have not got to and MoneyGram office yet. So this was after min ~ 35 h from when I made the transaction and payed the money for it. So the SCAM that MoneyGram IS DOING is that they have use my money ~ $ XXXX {$80.00} fee ) for ~35 h and as they work almost all over the world they probably do this for XXXX of people like me and are able to block huge amount of money just for at least 24 h so they can collect interest on it or invest the money or whatever. For a service that is called money transfer in minutest that actually blocks your own money for more then 24 h that is outrageous and most probably illegal. I relay appreciate if you will take note of this fact and start investigating Money Gram. 

I WILL NEVER USE MONEYGRAM SERVICE AGAIN