davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (NV)

I returned the call to discuss. They gave incorrect amount and dates to claim debt is current. I told them it was over 10 years old and uncollectible. They I sister they had the right to sue and stated incorrect information on time limitations for state of Nevada. They refused to let me respond, told me they were going to get a judgement 'next week ' to seize my assets and then hung up. I called back and the woman yelled at me and then hung up again saying she did not have to talk to me or explain or listen to my updated personal information.
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (MN)

After I left my former rented apartment in XX/XX/XXXX the landlord charged me for damage that was pre-exicting as documented on the move in checklist and held my deposit. I disputed it with the landlord requesting my security deposit. 
In XX/XX/XXXX I found a collection agency reporting the debt. I sent them a letter that they received and signed by the collection agency in XX/XX/XXXX at XXXX XXXX  disputing all charges and they didn't respond to the letter and continuing to collect and reporting the collection to credit bureau.
Consumer complaint received 2018-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (MD)

On XX/XX/2018, Santander responded to my CFPB complaint XXXX ( attached ) and promised to remove my email from their systems because it was incorrectly sending me notifications of debts that were not mine but those of someone with the same name who lives in a different city and state. 

I continue to receive debt notifications after the representation of Santander that this would be fixed. I have attached debt related notifications of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The experience has been worse since Santander represented to the CFPB that the notifications would stop.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am submitting this complaint on bank of america. I had an account with them back in 2011. I had paid this bill in full years ago. To my surprise upon veiwing my credit reports I noticed that this account was reporting as a charge off. I immediately started looking into this. I made numerous phone calls ... ..sent in a identity theft report etc. Today I spoke with a rep from bank of america and we went over all the transactions that were done from years ago. I explained that I did not do these charges nor cash withdrawls and I should not be held responsible for this. The rep went through everything and said she will not mark this as a fraudulant account because payments were being made on the card during these fraudulant charges. I explained that at the time I lived in a house where I rented the downstairs apartment and other people rented the upstairs but we all shared 1 mailbox. I would like to note that I did fill out a police report at the police station when I first noticed that my bank account had been hacked into along with another credit card that I no longer have. ( XXXX  XXXX  XXXX ). I also have noted on my credit reports from years ago that I was a victim of identity theft. I am submitting this complaint because I am being held liable for charges that I did not do. This is affecting my credit along with my credit worthiness. To my knowledge from legal advise I was told I can request to have this account hidden from creditors on my credit reports until the situation is rectified. I am being sent copies of all the transactions. I have already comtacted the police department over in XXXX ny to request a foil copy of the police report that I made back years ago when this happened. Bank of america is holding me liable for a debt that I did not incurr.
Consumer complaint received 2022-09-12
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

This issue that i am have is that XXXX XXXX has a Bankruptcy on my credit file dated for XXXX of 2014.  to my knowledge i have never filed a BK. I have sent letter and file dispute with this company and each and every time the item has come back a verity. Since this item as come back and been verify i have even went as far as sending a letter to the US Bankruptcy Court Of XXXX ask them do please state how they verify item to the credit bureaus, the answer that received back was that they do not verify anything to the bureaus. I sent this documentation along with my request to this agency and this item as come back verify and which this item can not be verify because of the fact that us bankrupt court does not verify
Consumer complaint received 2021-08-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, I was scammed. I received an email saying he was going to be charged for a XXXX XXXX XXXX subscription. I followed the instructions to " undo '' the charges, the scammer accessed my Wells Fargo accounts. and transferred {$30000.00} from my savings and {$10000.00} off my credit card. I went within two hours to a Wells Fargo branch in XXXX, Nevada and told them I had been scammed and they needed to stop the transfer that was happening. The associate there told me not to worry because the transfer wouldn't go through until XX/XX/XXXX. But it did and I lost {$40000.00}! I have filed a police report and gone to the FB! already. I have spoken to multiple Wells Fargo employees who keep telling me the incident is being worked on but that the case is closed. It's been OVER A MONTH. I have been a Wells Fargo customer for 30 years. My family has had a terrible year. My brother died in XXXX and I inherited the {$30000.00} from him. My dog XXXX  away in XXXX. And my only son died in XXXX from XXXX at age XXXX. Now I am scammed out of my only inheritance. Something needs to be done immediately. I have emailed the Board of Directors at Wells Fargo as well as every executive and NO ONE has responded.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BB&T CORPORATION (TX)

I wish to bring to your attention about a letter I received from BB & T recently regarding amount owed. To give some background, I had previously filed a complaint with CFPB against BB & T and the account opening process with them ( Case # XXXX ). This case was resolved almost 2 years ago, with the bank ( BB & T ) offering to waive the charge off amount {$400.00} for the bank account. A copy of that letter from the bank ( BB & T ) is attached here. I have not had any banking relationship with BB & T after that. 

However, I received a letter recently in the mail claiming that I still owe {$400.00} and that they can settle for {$280.00}. The mail does not give any information to contact them and that I can mail the check or money order in the self addressed envelope. This came as a surprise to me as this case was resolved almost 2 years back and now I am being asked to settle this amount after their agreement to waive this amount. 

This practice of coming after the customer after agreeing to waive the amount is not professional. The letter sent in the mail also does not help in any way to contact them to speak about this. Hence, I am requesting CFPB to pursue this matter and assist me in dealing with them. This is causing me distress and time loss in looking into this issue and I feel I am also entitled to be compensated for this. 

Thank you, XXXX, XXXX.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

Affirm continues to refuse the fact that I filed Bankruptcy in XX/XX/2020. I have tried to get this resolved but Affirm refuses to acknowledge or accept that this account was included in my bankruptcy. The other credit agencies show the bankruptcy on my credit report. XXXX, whom accepted the information from Affirm shows that the account is in collections. How do I rectify this annoying problem.
Consumer complaint received 2022-10-20
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 confidentially under 15 USC 1681. 

XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

In XX/XX/2020, I disputed some inaccurate late payments with XXXX through XXXX, XXXX and Equifax. The discrepancies were corrected. After the disputes were handled, these accounts are being reported to the credit bureaus with " dispute remarks ''. I have contacted XXXX directly and asked them to remove the remarks since the dispute has been resolved. XXXX responded that there were no accounts under dispute. The next reporting period, they were still there. I then contacted the three credit bureaus. XXXX removed immediately and they have never showed back up. XXXX and Equifax removed immediately but the remarks returned shortly after during the next reporting period. I then contacted XXXX and Equifax again the following month, with same results. I need to have these remarks PERMANENTLY removed in order to purchase our first home. This is the only obstacle standing in the way please help!
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-10-31
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. (NC)

XXXX is falsifying documents to the Consumer Finance Protection Board, violating federal law. 

Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious informaron to the governor and I am reporting them to the XXXX XXXX United States Attorneys office tomorrow. 

They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. 

These XXXX at XXXX has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say i owe. 

I demand an investigation and I demand for a response to these allegations. 

Im not gon na let this go XXXX XXXX  up there in XXXX nobody will anything about it but I have a voice too and Im going public on you and your XXXX XXXX XXXX  company. 

You broke the law and justice will be served. Wait for it.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX Credit, XXXX credit card XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, Please take another names of my report
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-11-24
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I filed several disputes with Equifax to investigate and correct the payment status on my credit report for account " Attorney General - Child Support '', but got no results. All my payments are current and was never late at any month XXXX. ( please see payment records from the Attorney General showing that my payments are paid on time and never late since XX/XX/XXXX ), but now Equifax is showing that I was late 60 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( please see attached ). 

I contacted the Child support office several times and they assured me that they file my account as current and never reported late payment status for those months. If that's true then why all three credit agencies report that I was late 30-60 days during year XXXX. ( please see attached copy of my credit report from all three agencies showing that I was late in various months in XXXX ). 

This is very very critical error and will have devastating effects on my career and everything else if my employer or prospect employer run my credit report, so it needs to be corrected ASAP. I've been calling and talking to the child support office and Equifax for the last few months now and it's getting worse instead of fixing the error.
Consumer complaint received 2021-12-06
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. (SC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-08-21
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: CarMax, Inc. (CT)

On XX/XX/2021 at XXXX XXXX  I called Carmax Customer service and spoke with them for 30 minutes and 40 seconds in reference to having difficulty making a monthly payment on time do to death in the family was told that may be able to qualify for program to skip a payment and have it added to the end of the loans term was transferred to and second customer representative in the effort to make that happen only to be told that there was nothing that could be done because I didn't qualify was then told by that Carmax customer service rep that if went online to make to post payment by Sun the XX/XX/XXXX It would not report 30 Days and that have few days extra time. At XXXX XX/XX/2021 I posted A payment with Carmax via Web site for XXXX and Mon At XXXX the finances were deposited into my credit union account to satisfy the posted payment amount.Found out the the XXXX payment was not received on XX/XX/2021 do to a credit alert I then Called Customer At Carmax at XXXX XXXX  for 9 minutes and 23 seconds to discuss this alert and the miss information that was given to me on XX/XX/XXXX. I called my Credit Union to investigate Why Carmax Payment was never withdrawn and was told it declined at XXXX XX/XX/XXXX prior to XXXX XXXX My Carmax Account information indicated to payment for the month was satisfactory despite this issue At XXXX I called Carmax for 14 minutes and 45 seconds to Remake the Payment explained the issue... My Carmax Account is showing 30 Days late on my credit report causing my score to drop 40 points. I need this 30 day Derogatory issue to change as soon as possible.
Consumer complaint received 2018-04-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Equitable Acceptance Corp (MA)

I received a phone call stating my loans would be forgiven with in 10 years for {$49.00} a month. It was stated that this organization was started by Barack Obama to help students relieve debt. They requested my FSA PIN and my loan providers information. At this point they created an email address for me and forwarded documentation for me to sign. I hung up and was immediately called back being bullied to continue working on this loan forgiveness. I read the agreement and was told on the phone to hurry this up because with in three days the plan would expire and I would not be allowed to continue with forgiveness of my loan. The gentleman on the phone signed all my paper work for me with my initials and then signed the document for me. I kept explaining that my address with in the form is wrong, most other facets of the form were wrong. He told me it didn't matter and please verbally agree to the loan. I did not. He did not respond and immediately said thank you and hung up. I called and no one answered or it was picked up and immediately hung up. At this point they did not contact me again, my loan service provider called to let me know my loan is now into income based repayment plan. I am now paying that company for contacting my loan service provider and not actually helping me with my loan. 

I have attempted to call them multiple times which has been met with a hang up. The emails are responded with friendliness but when I call to ask for a refund or cancel I am hung up on immediately. I attempted to stop the automatic payment, the website just has an " error '' on it. I attempted to call my loan service provider and found all my information had been changed, my address had been changed, my email and phone number were changed. 

Initial contact date XX/XX/XXXX Total amount to refinance {$1000.00}. I was told this would forgive my entire student loan amount. 
XX/XX/XXXX Requested {$90.00} to complete the process for loan forgiveness XX/XX/XXXX refinance is completed XX/XX/XXXX out of fear and wanting to get the loan down quick I paid {$120.00} XX/XX/XXXX pending {$49.00}
Consumer complaint received 2018-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2018 a collection account was added to my report by an company known as XXXX XXXX XXXX, a company in which I do not owe. I have disputed this misrepresented account from the orginal creditor to no prevail. I have requested many of times original documentation from this company and credit agencies alike ; without receiving anything to satisfy my position. According to the FCRA law, if the creditor can not provide documentation then the account shall be removed.