davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Consulting Services, Inc. (CA)

Upon first receiving a phone call from Credit Consulting Services , Inc which is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I told them I wished only to be contacted via mail and that I would need to verify the debt of {$150.00}. The call was on a recorded line and they said they would only contact me by mail. 

I received repeated calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today on XX/XX/XXXX. On XX/XX/XXXX I reiterated that I was not to be contacted via telephone and that I had not received any communication from them by mail. 

Today, XX/XX/XXXX they called again and I told the debt collector that I had said I was not to be contacted by phone, only by mail, and asked why they were calling. I told the caller that it was a violation of the FDCPA for them to continue calling me and asked what their records showed for recent calls. 

They stated that the called me on XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. They claimed that there were no notes in my file stating I could not be contacted by phone but that all calls were recorded and saved. 

I requested all records ( notes and recordings ) be sent to me only via mail and that I am officially requesting that they maintain all records as I believe they violated the FDCPA. The caller indicated that they understood that the FDCPA prohibited them from calling me after I requested to only be contacted via mail. 

Their XXXX  Debt Collector License Number is XXXX.
Consumer complaint received 2023-09-13
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. (PA)

I contact XXXX XXXX XX/XX/2023 after getting alert of hard inquiries i didnt authorized or consent to the rep explained that a letter is being sent to credit bureau to remove the inquiries but the credit bureau have to do it. I was told a confirmation email has been sent to me with confirmation to remove inquiries it still nothing.
Consumer complaint received 2023-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

Documentation : Over XXXX and XXXX : On the course of about XXXX  months, I paid down XXXX towards my student loans from XXXX different bank accounts both the bank statements and proof of my payment history. For clarity, the money was paid from XXXX bank accounts. The first bank account was my business account ending in XXXX and a personal bank account ending in XXXX. 

On XX/XX/23 I requested to receive all of that money back for an important medical procedure. They assured me I would receive my money in XXXX  days thus XX/XX/23. 

On XX/XX/23 I received {$8400.00} dollars to the bank account ( business ) ending in XXXX. 

At that point, I called on XX/XX/23 asking for the larger amount ( about XXXX left ) and did not receive an answer. I subsequently called on XXXX various occasions and not a single person at Mohela could give me any information. At XXXX point, someone said they could see on my account has been reimbursed for {$500.00} ( not true ), and I have called and spent over XXXX hours on the phone trying to reach someone in leadership to give me routing numbers and answer where my money was. I spoke to a Supervisor named XXXX would said I would receive a call back and never did. 

On XX/XX/23 I was extremely concerned given the timeframe for the XXXX  days was ending. I called in and asked for a case number. They could not provide XXXX. They gave me a call number Case number for that days call : XXXX. On XXXX as well I provided bank statements for both bank accounts starting in XXXX providing I had received the initial. Mohela also has not acknowledged that they is an accounting issue on their end. 

On XX/XX/23 I received a message ( also attached ) from Mohela stating my issues had been resolve. 

At this point on XX/XX/23 I have heard nothing and have spent XXXX hours on the phone. I am experiencing panic attacks, not sleeping, and I am no closer to resolution. Please help me. 

XX/XX/23 Submitted Case to Student Aid.gov - case number XXXX Federal Trade Commission case number XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Equifax continues to report false credit reporting on and account they is not considered credit transaction history, the account was recently removed for violation of permissible purpose but then reappeared only on Equifax. No authorization or written consent was give to furnish private source data information by either party. Violation of permissible purpose
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MD)

Ally bank are you guys serious my funds are being held up with your bank and I have no way of accessing my funds. In the final response you said that I havent reached out to the fraud department team since XX/XX/XXXX that is a total lie I call that department everyday which I will be showing proof. this bank has to be a scam I will win this settlement and I called your bank yesterday and they told me that Ally Bank is on the verge of closing my accounts and its nothing that I can do I also asked where will my funds be going and the representative had no answer as to how am I gon na recover my funds she just told me that someone will contact me its going on almost 50 days I havent had access to my money which is thousands and thousands of dollars. I had {$80000.00} in my account now its only {$60000.00} I believe you guys are trying to cover up for stealing my money XXXX Im so stressed out Im having mental breakdowns. Ally bank has robbed me of my money this is totally unfair this bank is corrupt I called u guys many times even yesterday I was on the phone with a representative for XXXX minutes and she said that my accounts are being closed and why is that what are you guys trying to cover up I will win my funds back and get a settlement I promise I will this is a disgrace. I have XXXX on my side and I will pray
Consumer complaint received 2024-10-19
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)

Subject : Illegitimate Concealment of J.P. Morgan Chase Bank Account from Requestor, with Management by Bank Employees Posing as Authorized Representatives of XXXX XXXX XXXX, Utilizing Account Numbers XXXX - XXXX On XX/XX/XXXX, I received an email from J.P. Morgan Chase Payments ( Chase@e.chase.com ) with the subject line urging me to keep my inactive accounts open by utilizing them. This correspondence was sent to my email address ( XXXX ). Despite having established an account with J.P. Morgan Chase, I was subsequently denied access and informed that the account had been closed, raising significant concerns regarding the management and transparency of my banking relationship with the institution. 

I formally request comprehensive details pertaining to the merchant account numbered XXXX - XXXX, along with any other accounts that may have been established under my name at J.P. Morgan Chase Bank. Furthermore, I seek immediate access to these accounts. Since XXXX, I have persistently requested signature cards and statements for all accounts held at Chase Bank, both via telephone and email. Each time, I was informed that the bank did not possess any accounts or funds associated with me or my business, XXXX XXXX XXXX. This assertion is unequivocally false and necessitates a thorough investigation, especially in light of the marketing communications I have received that reference open accounts linked to my business. 

The bank 's refusal to provide essential documentation, including signature cards that would verify the initiation of the account, regular statements, and secure online access credentials, is in direct violation of FDIC guidelines. Currently, the bank is asserting its right to close the account without granting me the legal authority to access, manage, or review the transaction history. I demand all pertinent account details, including initiation contracts, signature cards for all accounts, and the last XXXXven years of banking statements for all accounts associated with myself and XXXX XXXX XXXX. As a XXXX XXXX I am recognized as a disregarded legal entity, which grants me the legal standing to request this information through the Consumer Financial Protection Bureau ( CFPB ).
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2023-09-13
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OneMain Finance Corporation (TX)

In regards to account XXXX ; through the CFPB complaint process, I received an email from a " XXXX '', supposedly with the One Main Executive office in XXXX, IN. Email dated XX/XX/year> stated to call with any concerns. The n umber provided was : I left a total of XXXX voicemails for this " XXXX '' at XXXX, option XXXX, extn XXXX. The voicemails were left over a 14 day period starting on XX/XX/year>. The third time I tried to call this extension, a rude female answered the line. I explained who I was tring to contact and her reponse was, don't deal with customers '' Then hung up on me. She had a flippant tone and did not give me a chance to talk before hanging up on me. Through investigation, I was able to identify the female as being XXXX XXXX, a XXXX XXXX with One Main in XXXX, IN. Her number is XXXX, option XXXX, then extension XXXX. I inadvertently dialed her extension when I was trying to dial the other extension. I never received any callback from " XXXX '' as a result of leaving my voicemails. This horrible service is in line with outsourced call center mayhem and sub-prime lenders.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

Re : EQUIFAX- I have now made a second attempt with theworknumber.com which is also known as Equifax, to correct my employment information as this is how potential employers will check me against my resume. The first time, I got nothing, no results, no communication, nothing. When I made the dispute a second time on XX/XX/XXXX, they sent me an email saying I would get another email wherein I have to provide a copy of my Drivers License, a paystub and a utility bill in an email back to them in order for any action to be initiated. This should be illegal as it's just another tactic to not make any changes and leaves the consumer at risk. They already have my information and I had to use my SS # in order to get access in the first place, so that isnt good enough? I rent and all of my utilities are done online so I dont receive any bills to the house , this isnt 1980. I am also out of work at the moment and looking for a job which is why I need to fix this in the first place, so I dont have a recent paystub and the company I did work for did auto deposits so never got a paystub. So now because of the agencies again making it IMPOSSIBLE for the consumer to make any corrections, I will be at risk of being rejected for employment.
Consumer complaint received 2024-09-11
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Experian** XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, **RE : Dispute of Account - XXXX XXXX XXXX XXXXXXXX ( Account No. XXXX ) ** **FCRA Section 611 ( 15 U.S.C. 1681 ) Request for Reinvestigation** **CFPB Complaint ID : XXXX I am writing to formally dispute an item listed on my Experian credit report, which pertains to the account referenced above with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously filed a complaint with the CFPB regarding this account ( CFPB Complaint ID : XXXX ). Despite this, Experian returned a " verified '' response in the initial complaint. 

Under my rights granted by the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting a full reinvestigation of this item. Specifically, I am asking that Experian either : 1. **Verify the source of the information** used to return a " verified '' status in response to my CFPB complaint. I know that Experian did not contact the Federal Trade Commission ( FTC ) to verify the underlying facts outlined in my identity theft affidavit. Please provide me with the details of the source used for verification.

OR 2. **Delete the contested item** from my Experian credit report, as required under the FCRA, if proper verification of the information can not be provided. 

Failure to respond to this request within the statutory time limit will leave Experian in violation of the FCRA. If Experian can not properly verify the disputed account, I will expect this item to be removed from my credit report immediately. 

Additionally, should Experian fail to disclose the source of the verification and continue to report this erroneous account, I will be seeking compensation for all credit denials directly resulting from this contested item, as Experian would be in willful and negligent noncompliance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, **XXXX XXXX XXXX XXXX ---
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was trying to buy a car at XXXX and when they ran my credit to see what banks I qualified to get a loan from, I was told that no bank was able to approve me for a loan because there are more than five accounts in negative standing appearing on my credit report. The accounts are from XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I did not open any of those accounts with these companies and I did not allow anyone else to open those accounts in my name using my information. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts.
Consumer complaint received 2023-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Onity Group Inc. (FL)

Good Afternoon I purchased my home, ( primary ) only property I have in XX/XX/1996. The loan has been sold many times. The original amount of the loan was {$100000.00}, a pay off balance of {$98000.00} ( roughly ) and some change is showing that I still owe. I strongly believe this is incorrect. 
I have spoken to a couple of people, with the present company which is PH Mortgage Co and can't seem to get anywhere. The customer service is outsourced to foreign companies and very difficult to understand when speaking on phone. 
I am XXXX XXXX XXXX XXXX and would like to resolve this in near future.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have Bankruptcies listed on my credit report that are not mine. I have been fighting with the bureaus for almost 8 months to remove. First they claim the coolers were verifying it and i sent proof they were not. I have sent documentation from the court stating that are not mine also documentation from XXXX XXXX whom they claim is verifying it that they also dont have this information on their reports. I Have asked several times for validation letters and information on the person verifying the incorrect information and still have not received anything. XXXX XXXX has also filled dispute and never heard back
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

A couple months back I deposited a check into my chase bank account. The check had came from someone online trying to buy a gaming account.They closed my account for a couple of hours after depositing the check, and when I called and asked why they said my account was flagged for trying to deposit a mobile check twice. If the pictures are still on record, you can see that I had deposited the check twice because the first time the check wasnt endorsed. This led me to going to their branch to talk and there they told me the check was fraud. I had no knowledge to this and I feel like they did nothing to help.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I was shocked to see inaccurate accounts suddenly appearing on my credit report this morning, and I have no clue why theyre there. Ive always checked my report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the inaccurate accounts remained. This issue is really unsettling, so Im requesting that the documents Ive sent be thoroughly reviewed to ensure I never have to worry about this again.
Consumer complaint received 2023-09-14
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXXXXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.