davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX has sent me an update for the XXXX renivestagation of an identy fraud case after i have requested the documants that they are using to do the reinvestigation many times nothing had ever been even they only re add the collection to my account after the collection agency sent a letter for them to remove the id fraud case is part of the same account they keep adding also i have signed up for thier service and they will not give my scores they continue to ask for payment. I have canceled the service and my information even on the free site is not there i sent many cert mail and called them many times to have the information given this is a violation of my rights INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX, Phone number not available ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$28000.00} Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$0.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$32000.00} Original Charge-off : {$34000.00} Past Due : XXXX $ XXXX Pay Status : >Charged Off< Terms : {$0.00} per month, paid Monthly for 80 months >Maximum Delinquency of 120 days in XXXX Remarks : DISP INVG COMP-CONSUM DISAGRS ; >UNPAID BALANCE CHARGED OFF< Date Issued : XXXX XX/XX/XXXX Page XXXX of XXXX INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
XXXX XXXX XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated. Here is how this account appears on your credit report following our investigation. Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$22000.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) Original Amount : {$22000.00} Original Creditor : XXXX XXXX XXXX XXXX ( Financial ) Past Due : XXXX $ XXXX Pay Status : >In Collection< please see att proff of comany request to deleted also those company are not legally allowed to collect debt in florida
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I need your help with this incorrect account showing up on my credit report. I have brought this to your attention because it has been damaging to my reputation, and I urgently require your assistance. Due to your mishandling of my credit report, the incorrect information has ruined my reputation. It's imperative that these mistakes are corrected so I can live a normal life with my family.
Consumer complaint received 2024-08-23
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. (TX)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elite Recovery Group LLC (CO)

I have asked this debt collection agency to send proper debt validation to me several times via email and by phone. XXXX XXXX, a manager at Elite Recovery Group LLC, has sent me a debt ledger via email with another mans name on it, and my own, and explained to me that if I wanted a proper validation to send a written request via email to Elite Recovery Group. I sent the written request same day ( XX/XX/year> ). After not receiving a response for XXXX days I called again. XXXX was very curt with me and instructed me to email their support team to receive proper validation. Elite recovery group stated they sent me validation several times, but Ive never received it. I believe they are lying to me and are not able to actually validate the debt. I dont believe theyve ever sent me a proper validation, or if theyve sent XXXX out it went to XXXX XXXX XXXX They also stated I did confirm the debt, which I have never done. XXXX informed me that I have disputed this debt once a month over the course of XXXX years which is highly untrue. This agency clearly has no issue with lying to me, therefore I can not trust anything they say. Then I received a voicemail from XXXX stating the ledger IS enough to validate the debt. The information she is giving me as a representative of Elite Recovery Group is highly inconsistent. The amount they claim I owe has also fluctuated. Her approach over the phone is very aggressive. Please see email correspondence and transcript of XXXX voicemail attached. This debt mostly likely belongs to XXXX XXXX, the name listed on the ledger.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX, a debit card was rush ordered to my house- that was not requested by me, and 4 seperate transactions happened without my consent. A {$3000.00} teletransfer, a {$950.00} atm withdraws from checking, a {$3500.00} ewithdraw from savings, a {$2800.00} ewithdraw from savings back to back. I received a decline email from Wells Fargo for an additional attempted {$500.00} atm withdraw which alerted me to the transactions in which I turned off card and called Wells Fargo to freeze accounts. 

Was working with Wells Fargo for home loan around XX/XX/XXXX. During the process of the home loan, the home loan officer- XXXX XXXX changed the agreed upon closing costs from original XXXX and added addendum to include XXXX unknown fee that he could not explain and called 7 times to force me to sign ASAP. Because of this, I engaged other home loan service, where they offered original XXXX. 

I notified the XXXX that I would not be moving forward with the loan on XX/XX/XXXX and believed the loan to be closed until XXXX contacted me on XX/XX/XXXX at XXXX to tell me he has declined our loan due to lack of funds. XXXX had full access to my Wells Fargo banking account and information as it was linked to loan. Believe there was a breach of info to hack account and commit fraudulent charges.
Consumer complaint received 2023-03-16
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. (MD)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX  Account number : XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (AL)

On or around XX/XX/year>, I called JP Morgan Chase to close my XXXX XXXXXXXX XXXX XXXX ending in XXXX. I went through an extended phone call and denied all offers that were provided to me. Several months later, on XX/XX/XXXX, I received a notification of a charge on the credit card. I did not understand as the card should have been closed. I opened the Chase app. I had the app because I had opened an XXXX XXXX ending in XXXX with JP Morgan Chase as a replacement for the XXXX card. Upon opening the app, I saw that I was charged with the annual fee for the XXXX card ending in XXXX that should have been closed months prior. I called the support line and they could not explain why the card had been left open without my consent. Also, they found the call record and the agent had fraudulently noted that I had accepted one of the offers to keep it open. I asked the agent where my offer credit was if I had accepted it. They had offered a {$250.00} statement credit, which I declined. If this was a genuine mistake, the {$250.00} would have been credit to my account and it never was. I proceeded to request that both cards be immediately closed, and a refund be processed for the renewal fee. Ultimately, all of this happened but JP Morgan Chase should be under investigation for such dirty business dealings with their customers.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (GA)

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : CITICARDS CBNA Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account
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: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I signed up for a Capital One credit card ( XXXX XXXX ) card on XX/XX/XXXX which clearly stated a new member offer sign up bonus of {$200.00} would be applied after {$500.00} spent on the card. This came directly from their website and can be easily found when searching up Capital One XXXX  XXXX. 

After a few months go by and after having met the criteria of spending the {$500.00} on the first month, I give Capital One a call asking where the welcome bonus is to which they tell me Im not getting it because I did not qualify for it. And that it said that when I signed up for it. This is absolutely not true as I reviewed the account opening documents ( which I will attach a PDF copy of below ) and nowhere in those documents did it mention anything about not being eligible to receive the promised welcome bonus that was mentioned on the website. This is absolutely unacceptable and fraudulent behavior on behalf of capital one for lying to and deceiving new customers with empty promises. Not to mention 5 minutes of research will show the pending class action lawsuit for this very reason
Consumer complaint received 2024-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC (OR)

On XX/XX/year> and XX/XX/year> I made 2 separate transactions to purchase gas at 2 different XXXX gas stations. This was the first time I had used their advertised app to pay via my checking account and save money on the gas. I was notified on XX/XX/year> that the transactions did not go through on my bank. An unexpected charge went through on my bank account bringing it below the amount needed to cover these 2 transactions. On XX/XX/year> at approximately XXXX PST I replenished the funds in this account and called the company CHECKredi that manages returned payments for the XXXX XXXX Direct Pay app. They advised that I was being charged 2 separate {$35.00} fees for these returned payments even though this was the first time this happened and I explained the funds were made available in my account this morning. They refused to waive these fees and refused to provide any type of user agreement describing these fees as I was not made aware of these potential fees when I signed up for the app and this is predatory. Whats worse is each gas charge was for less than these {$35.00} fees. I can not afford this and they are telling me this will go to a collection agency and negatively impact my credit if I dont pay right away. Please help.
Consumer complaint received 2024-08-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest has violated all of the following : Fair Debt Collection Practices Act ( FDCPA ) : Communication under 15 U.S.C. 1692c ; Harassment or Abuse under 15 U.S.C. 1692d ; False or Misleading Representations under 15 U.S.C. 1692e ; Unfair Practices under 15 U.S.C. 1692f ; Multiple Debts under 15 U.S.C. 1692h ; and Furnishing certain deceptive forms under 15 U.S.C. 1692j. Truth in Lending Act ( TILA ), for Rights of Recission under 15 U.S.C. 1635 and Advertising of down payments and installments under 15 U.S.C. 1662. 

Bridgecrest is hereby Request to NOT MAKE PHONE CALLS but to send in writing the following : XXXX. A copy of the XXXX XXXX XXXX with proof of my signature, my SSN XXXX, and the correct home address. 
XXXX. Proof of consecutive payments from the deposit, the monthly installment payments, and any documentation which shows proof of address at the time of purchase. 
XXXX. A copy of the Truth in Lending agreement that I signed. ( Sent letter on XXXX ) showing I signed this agreement but I never received any documentation showing my signature. 
ALL DOCUMENTS ARE REQUESTED IN A CERTIFIED COPY SENT TO THE CORRECT ADDRESS.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> My Chase checking account was charged in the amount of {$590.00} from XXXX XXXX. I immediately called my bank and put a fraud alert on my account because I did not order anything. Later that day after I got off work I went to the XXXX XXXX location where the item was ordered from and spoke with the manager of that establishment. I informed them of the same thing that I informed Chase Bank. I was told that the item was picked up but later it was confirmed that the ID used to pick up the item was a fake ID yet they still released the item. Complete negligence on XXXX XXXX 's part. This infuriated me and I asked if they saw on the camera the car the person was driving or even their face. The manager who assisted me told me they could not release that information to me. I also filed a police report with the local sheriff, but they could only file a police report and give me a case number. I'm looking to get this resolved I've been going back and forth with both Chase Bank and XXXX XXXX. I think it was complete negligence on XXXX XXXX 's part and now I'm out {$590.00} with no item to show for it either. Any assistance with this would be great! Thank you!
Consumer complaint received 2023-03-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found on my credit report, and I would like to bring to your attention that these items are in violation of the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. I have noticed the following inaccuracies and unauthorized credit inquiries that need to be removed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Account Number : XXXX The information reported on this account may be incorrect, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXXK XXXX  XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you remove these negative items and unauthorized credit inquiries from my credit report, in accordance with the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. Additionally, I would like to receive a written explanation of the steps taken to correct these inaccuracies and an updated copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (CO)

On XX/XX/year> I closed on the property : XXXX XXXX XXXX XXXX, Colorado XXXX. During the closing process, I signed a document ( Promissory Note ) which is a legal document that outlines a borrowers promise repay a loan to a lender under specified terms. XXXX XXXX took the promissory note I had signed with my extension of credit and social security number, and collected on it at the Federal Reserve Bank Discount Window ( only authorized banks can use ) for 90 % of the loans 30 year maturity value which is over {$720000.00} dollars. After XXXX XXXX collected on this Promissory Note with the Federal Reserve Bank, instead of notifying me that my mortgage was satisfied, they failed to report the payment on my debt ledger. XXXXXXXX XXXX then went two weeks after closing, and " transferred servicing '' of my already paid off loan to Freedom Mortgage to collect on the money they have already received. During this process and while still ( as far as I knew ) having signed the mortgage and note with XXXXXXXX XXXX XXXX XXXX was being reported on my XXXX, and XXXX XXXX was being reported on my XXXX. I have come to find out XXXX XXXX is a subsidy of XXXX XXXX  however, I did not sign a contract with either XXXX or XXXXXXXX XXXX  and had not been notified of the servicer change, so why would two different mortgage companies say I have a mortgage with them, when neither is the actual company I have a mortgage with? So, if the Promissory Note is not allowed to be collected on by anyone but an authorized bank with the Federal Reserve Bank, the only one 's who would know how to collect are the authorized bank. It is fraud and breach of contract that XXXX XXXX did not disclose the advance of the Promissory Note to I as a consumer, and even more fraudulent they want me to pay for this mortgage now. That means I lose not once, but twice. Please also refer to U.C.C 3-603 Tender of Payment which explains if the payment is tendered in form of the Coupon provided with the statement ( which was provided to Freedom Mortgage and XXXX XXXX  XXXX, that the debt is discharged if the tender of payment is not accepted. This means, my payment for XX/XX/year> has been discharged by not only Freedom Mortgage, but XXXXXXXX XXXX previously as well. This is due to the advanced collection on the Promissory Note with the Federal Reserve Bank. I am not disputing I signed the mortgage and the Note, I dispute the fraudulent practices that XXXX XXXX and seemingly other entities are involved in with home loan lending and required disclosures. Freedom Mortgage now believes they are my mortgage servicer and I simply dispute this. This loan has been paid in full, due to the full reimbursement ( 30 year maturity ) of the loaned amount, and is now the responsibility of XXXX XXXX to satisfy this debt.
Consumer complaint received 2022-12-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (FL)

XXXX XXXX XXXX  is trying to charge me for services that i did not need. The policy was too expensive and I moved they didnt have banfeild where I was. I called them after not taking my dogs there for months and still being charged. They in turn called incessantly and now have sold My personal information to a third party without my consent or knowledge. IC solutions who have now reported the same account to collections 2 times on the very same day. As a result I have XXXX separate derogatory hits to my credit file and my score reduced significantly. This is not only illegal but unethical.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc. (SC)

I received an alert that there was a change to my credit report. Upon further discovery, Eastern Account Systems negatively and fraudulently reported a collection on my credit report. I never have a relationship or account with Eastern Account Systems or with their associates or affliates. I request that they remove the negative item immediately from all bureaus : XXXX, XXXX, and XXXX.