davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-22
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. (NY)

I HAVE ONLY BEEN ASSOCIATED WITH ONE ADDRESS AND THAT IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX WITH TELEPHONE NUMBER XXXX ANY OTHER ADDRESS OR PHONE NUMBER ON MY CREDIT REPORT IS INCORRECT AND WANT THEM TO BE DELETED WITH ANY ACCOUNTS ASSOCIATED WITH IT
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (FL)

I have been a XXXX XXXX and I received a wisely card with my direct deposits in XXXX. I worked through XXXX and got direct deposits on the wisely card. I have some direct deposit set up on my card but it is not my main card. On XX/XX/XXXX, I went to XXXX and attempted to make a transaction for XXXX $ and it was declined. Once I got into the car I went on the wisely app and immediately called the service line. There were 5 unauthorized transactions. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. All transaction were unauthorized and none were flagged by the Institution. Customer services locked my card, issued another one and said I would receive a letter to dispute to help the investigation. I never received any such letter. On XX/XX/XXXX I filed a report with XXXX XXXX police department and received a case number. On XX/XX/XXXX I received a letter from wisely by Adp cardholder dispute department saying that the investigation is finalized and no credit will be issued. I immediately called the customer service department and they said I would need to write a letter to reopen the investigation. I spoke to XXXX and the call center is in the XXXX. I worked hard for my money and I would greatly appreciate if I can get it back!
Consumer complaint received 2024-08-06
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. (AR)

Dispute the identity fraud and they stated that they verified it. 

They continue to report the disputed XXXX XXXX XXXX # XXXX account that does not belong to me on my report. 

I need to see the documentation they used to verify otherwise I will consider legal action.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc. (AZ)

I purchased a house in 2005 for {$140000.00}. XXXX XXXX owned XXXX mortgages, XXXX for {$110000.00} and the other for {$29000.00}. A couple years later I applied for loan modification. I was told by XXXX XXXX representatives to discontinue making payments while they reviewed the application for remodifying the loan. The loan modification was approved and I began making payments under the modification. Several years later I received a call from XXXXfci saying I was behind in mortgage payments. They explained that unbeknownst to me XXXX XXXX sold them the XXXX mortgage. I questioned why they took years to contact me. No calls were made, no bills were sent and no notice was given me that the loan was serviced by another company. During that time late fees and interest had accrued. I do n't know the legalities but if I feel this is an unfair practice ands has implications on my credit which I am steadfastly trying to repair.
Consumer complaint received 2023-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C. (AZ)

The Gurstel Law Firm, a debt collector with offices in Arizona, has attempted to collect a debt that it knew or, should have known was the result of identity theft. Gurstel Law has used the court system to intimidate me and my family into paying a debt for which we're not responsible. The firm has acted extra-judicially in attempting to collect a debt from those who are not responsible for the debt.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

I received a communication from XXXX/Comenity/Victoria regarding an alleged debt associated with an account. After receiving the initial communication, I attempted to resolve the matter by sending dispute letters, contacting customer service, and requesting verification of the debt. Additionally, I sent a formal cease and desist letter requesting that all communication cease until proper verification of the debt was provided. 

Despite my request, I continued to receive ongoing communications, including phone calls and letters, which have caused me considerable distress. I am seeking resolution regarding this issue and expect acknowledgment of my cease and desist request, as well as verification of the alleged debt.
Consumer complaint received 2023-05-22
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. (TX)

On XXXX and multiple additional dates. I XXXX XXXX sent a letter saying there are wrong, unknown, FCRA violating, and damaging things on my credit report. It has been well over 45 days later I have not received a response yet even though I have called and reported documents including identity theft. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been well over 45 days and every proof needed to sustain deletion has been provided so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach which has been proven recently as Equifax sent me a check and letter admitting they are mishandling my Consumer report and violating FCRA guidelines and may have got into the hands of the wrong person.
Consumer complaint received 2017-01-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I opened a promotional checking account with JPMorgan Chase Bank which promised a {$300.00} checking bonus if 1 ) you are a new customer ; 2 ) you deposit {$25.00} at opening ; and 3 ) there is a direct deposit made to the account within 60 days of opening. 

I opened the account on XXXX/XXXX/16 ; first direct deposit cleared on XXXX/XXXX/16 and I received a confirmation e-mail from Chase. The bank never paid the {$300.00} checking bonus, even though all XXXX conditions above were met ant they had confirmed receiving the direct deposit in my account. I contacted them about it, they said they would not be paying the bonus because the amount was processed as an ACH payment, not a direct deposit, which does not make sense, because all ACH does is process direct deposits. Additionally, the Chase branch manager said she could not honor the promotional terms because she was not familiar with XXXX, the online payment platform used for the direct deposit to my account, and maybe it was something new. However, when opening the account I explicitly stated that this is what I use as a XXXX to process payments and was ensured that, as long as there is a direct deposit made to my account within the promotional period, I would qualify for the checking bonus. 

It seems that there are a few issues at hand here that Chase is using to entice new customer - 1 ) they are discriminating against XXXX who, based on recent statistics make up over XXXX of the workforce in the US ; or 2 ) they are misleading the customer to believe ACH deposits are any different than direct deposits. By the widely accepted definition, " Direct deposit '' is a term used to refer to the process where a payment ( most often, wages or recurring electronic benefits ) due to an individual ( " receiver '' ) from another individual or company ( " originator '' ) is sent electronically from the sender 's bank account to the recipient 's bank account. This process uses a nationwide system known as the automated clearing house or " ACH ''. In other words, there is no distinction between an ACH deposit and a Direct deposit. 

Of course, there is always the possibility that their personnel is poorly trained and would promise anything, even if they know it is not true, to get a new account opened. In either case, it is extremely disturbing that at an institution like JPMorgan Chase new customers are signed up using false advertising and even more disturbing that certain customers are discriminated against based on their occupation.
Consumer complaint received 2023-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One XXXX XXXX XXXX or Successors XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CC Capital One Customer Advocacy Office XXXX XXXX XXXX XXXX, VA XXXX Is still Reporting fraud accounts on All 3 credit bureaus XXXX, XXXX & XXXX XXXX XXXX 
Capital One is violating my rights & breaking the law. They have not followed the law providing any legal proof of these false accounts in 30 days & its been 5 months & consistently break the law by not removing them. Capital One uses their corporate Billion dollar company status as a bully, instead doing the right thing & helping a victim of ID Theft! The fraud they continue to report is causing me & my family stress & hurting my future credit goals. I WILL NOT STOP UNTIL I GET JUSTICE! THANK YOU!
Consumer complaint received 2015-08-17
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bull City Financial Solutions, Inc (WY)

I had an auto loan with the last payment date being, XXXX/XXXX/XXXX. The debt was removed from my credit report in XXXX XXXX. Bull City Financial Solutions bought the debt in XXXX and it continues to be reported on my credit report. I contacted them at the beginning of XXXX XXXX and they stated that I would need to submit information stating when the last payment was made on my account from the original creditor. I contacted Bull City Financial Solutions on XXXX/XXXX/XXXX with the information I received from the original creditor, to obtain information about where to send the verification of the dates they had requested. I was told by XXXX ( would not provide last name ), XXXX different dates that they had on file as to when my last payment was made to the original creditor. I was also told that they do not buy debts and when I requested them to send me information regarding the account they have, he refused to send me anything.
Consumer complaint received 2015-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: COLLECTIONS USA, INC. (AZ)

I am being charged for a collection that i was never aware of. Person who rented in XXXX Arizona used my name and identity information to rent an apartment under my name. Agency responsible for apartments never received a signature from me nor did i ever provide original or valid identification or knew there was an apartment under my name in that city.
Consumer complaint received 2016-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (ND)

I have student federal student loans. And for 3 years, beginning in 2011, I was contacted by many people from different companies, claiming that they could help me " consolidate '' my federal student loans. They told me that President XXXX, came out with ways so that us borrowers could now consolidate our student loans. 
Initially, for a few years, I did not respond and simply hung up on them, I do not know how they got my phone number to began with. Finally, after many telephone calls of constant pressuring me I listen to XXXX of these callers and they told me they would consolidate my loans for a fee. And for a year I paid this fee and an initial fee and when they " so called, consolidated my loans '', I was totally dissatisfied with who they consolidated my loans too. They put them all with " Great Lakes ''. I did not want them to be with Great Lakes and when I told them I was not satisfied with what they done to me, all they said was, " well, its done and there is nothing we can do about it, be glad they are consolidated. '' So now I am stuck with this Great Lakes company that I do not know and do not trust. I wanted to have XXXX XXXX consolidate all of my loans. 
I believe that I was used and thrown away, because they took my money and did not advise me in any way, shape, or form, as to what my possibilities/options were for companies that consolidate federal loans ; or explain anything to me. I was used and lied to. 
Is there any way that I can get my loans away from this Great Lakes Company? Would appreciate your help, I am sick of being used. I am a veteran and served my country honorably, I deserve to be treated better. 

Thank you.
Consumer complaint received 2024-09-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

The bill statement as received in USPS mail. The company switch from hard copy statement to online statement. I did not receive the hard copy statement as the company states it is transferred to online statement that I need to print online. The company started charging additional fees to mail the hard billing statement in USPS. Since I was waiting for a hard copy of statement in USPS that I did not receive for bill payment and hence I missed the payment. Then, I was informed for a missed payment and in statement ending XXXX, I am charged {$38.00} interest on {$1300.00} previous balance, that I paid immediately. I called the bank on XXXX and explained the situation but the bank agent stated since I made a payment the bank can not return the interest charged due to misunderstanding on switching between the hard copy of statement and online statement. I will appreciate the bank look into this matter and returned the interest charged due to misunderstanding on receiving of monthly statement between the hard copy of statement and online statement from the bank. I request CPFB should look into this matter and find a reasonable solution for the consumer in this kind of situation.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

XXXX reporting incorrect addresses and charged off collections that say paid off from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
XXXX : Charged off collections paid off from XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX charged off XXXX XXXX charged off and cease and decease letters to XXXX XXXX XXXX and XXXX XXXX XXXX all of the following items are producing painful experiences on my consumer credit. Thank you for addressing this matter.
Consumer complaint received 2016-09-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XX/XX/XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XX/XX/XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XX/XX/XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XX/XX/XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it XXXX way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XX/XX/XXXX and NOT XX/XX/XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.
Consumer complaint received 2015-08-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BBVA FINANCIAL CORPORATION (AR)

I have a vehicle loan through BBVA Compass Bank. We sold that vehicle to a private party XXXX XXXX, 2015. The purchaser obtained their Loan through XXXX XXXX out of XXXX, Mo. XXXX XXXX sent a cashiers check ( XXXX/XXXX/15 ) overnight for the remainder of my loan to pay off this vehicle. Compass Bank received the check XXXX/XXXX/2015 at XXXX per the tracking number obtained by XXXX XXXX. Compass Bank is unable to locate the check, thus my loan account has not been closed and is accruing interest and coming due for another payment, although I have not had the vehicle in over one month. 
I have contacted Compass Bank XXXX times regarding this missing payment. I continue to have no answers. I have contacted XXXX XXXX XXXX times, who have no concern about the loan payoff, nor the loan they opened for the purchaser. One person for XXXX XXXX informed me XX/XX/XXXX that the cashiers check had not cleared. XXXX XXXX is now refusing to inform me over the phone if the check has cleared or not. Compass Bank is requesting that XXXX XXXX either provide them with proof that the check cleared or place a stop on the check ( which XXXX XXXX stated will require XXXX days ) and reissue the check again. XXXX XXXX has not been in contact with Compass and has not returned my recent calls. I have spent hours on the phone to these companies to no avail. I am stuck and unable to get either party to look into their loans. I continue to be put off by compass with them closing requests to look into it and the research team not doing so. My concern is that my account will continue to gain interest and will require that I make a payment on the account when I have not had possession of the vehicle in over XXXX days, thus affecting my credit. I have a bill of sale and copy of the original misplaced cashiers check. The purchaser is paying on a loan that had not been cleared, and is unable to Register her vehicle as they do not have the title. At this point, I am unable to assist any further in this matter.
Consumer complaint received 2023-05-22
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. (AZ)

The dispute from Equifax is inaccurate they have not investigated I have a freeze throughout XXXX XXXX its frozen for security I was a victim in XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I have not seen anything that would indicate it mine they wouldnt give me but a few options when disputing Can they prove it was me by a photo ID I want to see my Original Contract with my signature.Eqifax information is from their data center and does not prove it was me just because its been fraudulently placed by anyone with out seeing original contract with my signature on itXXXX XXXX XXXX XXXX to XXXX XXXX XXXX Ak XXXX in a remote location for dates as account was open