davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

First, I would like to say that the collections and loans on my credit do not tell what kind of person I am. I am a XXXX XXXX XXXX XXXX who did not have the funds to attend college. However, taking out student loans was my only option in order for me to get out of the situation that I was in. To get to the field that I was interested in I had to obtain a XXXX XXXX which made me take out more student loans and I wanted to. After being able to get my XXXX  and XXXX XXXX, I decided to make a change in my career. The change included me from a full-time job to a part-time job in order to leapfrog me to the field that I was in. Of course I had to take a huge cut, which would essentially explain any of the late payments that I currently have on my credit report. I received a copy of my credit report and found the following items to be in error by the provisions of the fair credit reporting act. I demand these items to be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them Please remove any information the credit can not verify. I understand that under 15 USC section 1681IA you must complete the investigation within 30 days of the receipt of this letter. Please send me an updated copy of my credit report to the above address. Thank you for your time and help in this matter.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (AZ)

On XXXX XXXX XXXX XXXX  my robinhood trading account was restricted and my funds were not accessible to me anymore. I have around XXXXXXXX XXXX that i can not retrieve anymore due to there decision making. Ive done everything theyve asked as far as submitting bank documents confiming its me. Calling them and sending them emails regarding the case. And today as of XXXX XXXX XXXX i receieve an email stating that my funds will not be reimbursed to me.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (CA)

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ).

After you have finished my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I reopened my XXXX XXXX account and with Chase XX/XX/XXXX due to my first business account being closed without explanation due to my trucks being down and not having any money going into the account. After reopening the account XX/XX/XXXX business picked back up and I actually had someone wanting to buy XXXX trucks all the way from Missouri. Being that the client buying the truck from me was new and he wrote a check I did not agree to have the trucks leave my property until the check cleared. Luckily I did because the checks came back as bad checks and we never heard from the client again. We never attempted to use the money or anything because there was no ill intent on my companies behalf. We found out the check was bad through a letter in the mail from Chase saying that it was stopped. I then made more purchases and deposits because Chase allowed us to and my account was still in good standing. Before this Chase threatened to close my account for not making deposits once again, if dont deposit anything they will close it and if you deposit too much they will close it you can never win with Chase . I then deposited another check for {$22000.00} on XX/XX/XXXX the check was placed on hold until XX/XX/XXXX. I was told that the hold was placed for so long to ensure the check cleared. I was fine with that just as a precaution. The check has cleared just fine and there has been no issue except for Chase wants to hold my money hostage and refuse to tell it to me or back to the company that wrote the check and they closed my account for no reason. XX/XX/XXXX the representative Told me to reopen another business account which I refuse to do because of all the trouble he also told me that he cant send my copies of my bank statements since they closed my accounts which is a lie. By law they cant hold my money and theyve already held onto it longer than allowed. I am a XXXX veteran trying to make a living and they hold my money as if my company doesnt matter. This is unacceptable and they need to return the money to me via check because I will not do business with Chase ever again. This has caused so much emotional stress and financial stress on me and my business is losing out daily due to Chase closing my account and holding my money hostage. We have called multiple times to do the phone verification with them and there has not been an answer yet and they will not allow the company to call directly to verify. This is no excuse for Chase holding the money hostage that has cleared weeks ago. They must do something about this and release my money or send it back. The money is not even collecting interest as they hold it this does not serve us consumers.
Consumer complaint received 2023-07-17
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. (NY)

The reason for my communication is to file a complaint against Experian and XXXX, a credit bureau, for its improper handling of fraudulent accounts that appear on my credit report. 

I recently discovered that there are accounts on my credit report, issued by Experian and XXXX, that are fraudulent and do not belong to me at all. I have become a victim of identity theft, which has significantly affected my financial situation and my emotional well-being. 

I have made several disputes directly with Experian and XXXX, providing all relevant documentation, including an identity theft report, to prove that these accounts do not belong to me. Despite my efforts, as of the date of this letter, Experian and XXXX has not acted effectively to correct this inaccurate and damaging information on my credit report. 

The presence of fraudulent accounts on my credit report negatively affects my ability to obtain credit, loans and other essential financial services. Also, as a consumer, I have a legal right to receive an accurate and up-to-date credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Although I have followed all procedures required by Experian and XXXX to dispute these accounts, I have not received a satisfactory response and the incorrect information has not been removed from my credit report. 

Therefore, I request the intervention of the Consumer Financial Protection Bureau to investigate this situation and take appropriate action against Experian and XXXX for not complying with the regulations established by the FCRA. I also ask that you ensure that my credit report is corrected and that these fraudulent accounts are removed immediately. 

I am enclosing the identity theft letter again. 

I sincerely appreciate your attention and assistance in this matter. I hope the Consumer Financial Protection Bureau can help me resolve this situation and ensure that my rights as a consumer are respected. 

Please provide a written response once you have completed your investigation.
Consumer complaint received 2022-11-18
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. (MO)

I have been submitting ten CFPB complaints and six dispute letters requesting that you remove the fraudulent accounts and information that are being reported on my Credit File! You have been stubborn to not remove the disputed items completely from my Credit File and yet you have been claiming that the disputed items have been verified. Under the Fair Credit Reporting Act section 605b, you ( The Credit Reporting Agencies ) are required to remove any accounts and information that resulted due to identity theft. Despite the numerous attempts in having the disputed items removed, you have been persistent with your claims that these items are verifed, and yet you have not sent me any copies of proof of verification that resulted from your supposedly investigation. Once again, I am requesting that you remove the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00}. I have informed my legal council about my situation and they are willing to help me resolve this matter in " legal ways '' possible. If it is not too much to ask for, please remove the disputed items immediately.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (GA)

A company has called my telephone number every day for over a year using different telephone numbers and does not leave a message and hangs up when I answer. The latest call was received today ( XX/XX/XXXX at XXXXXXXX XXXX from telephone number XXXX ). Previous calls were received from other telephone numbers include XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. An online search indicate the telephone calls are from Midland Credit Management. The search also revealed they are harassing other callers as well. See search results below : XXXX / XXXX XXXX / XXXX avatar XXXX XXXX XX/XX/XXXX It's another ( bleeping ) scammer, who's asking all sorts of real personal questions ( about your wife 's name, about your address, etc ). Ignore this call! 
Reply! 
XXXX  XXXX XXXX XXXX XX/XX/XXXX Don't know. No message. Other reviewer says scammer. Probably. 
Caller :?? 
Reply! 
XXXX / XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX This number keeps calling me no voicemail they dont Identify themselves when I answer and keep asking for someone else. 
Reply! 
XXXX / XXXX XXXX / XXXX Midland Credit Management Inc | Complaints | XXXX XXXX XXXX XXXX. 
View customer complaints of Midland Credit Management Inc, XXXX helps resolve disputes with the services or produ... 



XX/XX/XXXX Complaint Type : Billing/Collection Issues Status : ResolvedMore info Midland Credit has called me repeatedly over the last month from multiple phone numbers. I looked them up online and found that they are a debt collection agency. I don't have any debt, so I have not talked to them. I believe this is a scam. 

XXXX / XXXX XXXX / XXXX SICK OF SCAMMERS XXXX XX/XX/XXXX Indians have called for several days from this number as well as a few other numbers stating to call mcm ( whatever that is ). 
Caller : MCM Reply! 
XXXX - who calls me from XXXX? 

XXXX - who calls me from XXXX? 


Scams XXXX XX/XX/XXXX | 2 replies Scammed called for money didn't say what it was about Caller : Scams Call type : Scam suspicion Reply! 
XXXX XXXX XX/XX/XXXX Got a phone call from this number. The caller left no message.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GreenSky, LLC (PA)

This concerns an unsecured personal loan ( disguised as a credit card ) with 10 year term, only for use with XXXX XXXX XXXX or other companies in that business ). The card is with GreenSky, and called a Program Loan Account. The issue I have is with GreenSky, NOT XXXX.

At the beginning of the loan term, I made an extra payment. This payment has never been credited to my account. I called within the first year, was asked " how many payments do you show making? ". I replied " fourteen '' The company representative replied " that's how many we show ''. Now in XX/XX/2018, 2.5 years later, I tried again by calling the customer service line, one day during the week of XX/XX/XXXX to XX/XX/XXXX. The representative said she would have someone call me within 48 hours regarding the issue. Finally on Monday XX/XX/XXXX, I received an email, not a phone call, from Customer Solutions. On XX/XX/XXXX, I called the listed phone number, it required an extension. I replied to the email that this information was missing. The representative, XXXX XXXX, gave me her extension, which I called right away. She did not answer, nor return my phone call. 

I called again this afternoon, spoke to another representative, XXXX. She had no grasp of the issue I had just kept repeating the balance shown on my account, though I explained that my issue is that the statement balance is incorrect. She offered just to send me a transaction history list. 

The bottom line is, this company shows on their statements that I owe {$100.00} more than I do ( I keep records in XXXX of all payments of principal and interest ). Trying to resolve this is fruitless and their customer service is no help and poorly trained.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-07-17
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. (VA)

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section 2 ; it also states a consumer reporting agency can not furnish an 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 items of information, other then records of convictions of crimes which antidotes the report by more then 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Called and attempted to cancel membership online. There is no option to cancel, only to downgrade. I do not want their credit monitoring service at all. 

They require you to sign up even to just receive a credit report. Then they charge you each month. 

I want a refund for prior months and for a cancellation / closure of my account.
Consumer complaint received 2023-07-17
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. (GA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-01-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I hope this email finds you well. My name is XXXX XXXX, and I am writing to seek assistance regarding an issue I am facing with a gift card. I received the gift card as a XXXX  gift. VanillaGift.com card XXXX XXXX XXXX XXXX XXXX/ Expiration XX/XX/XX/XX/XXXX 

However, I am currently unable to utilize the gift card due to a missing Security Code. Despite my attempts to resolve the matter with the retailer, I have not been successful in obtaining the necessary information to make use of the gift card. Customer Service XXXX XXXX XXXX XXXX XXXX does not assist at all, it redirects the consumer to their website. If the consumer does not have a Security Code, their Cust. Svc and/or Online is of no use or assistance. 

I kindly request your assistance in facilitating a resolution to this matter or guidance on the appropriate steps to take, your support in resolving this issue would be greatly appreciated. 

Please let me know if there is any additional information required from my end. I can be reached at ( XXXX ) XXXX or my email : XXXX. 

Thank you for your attention to this matter, and I look forward to your prompt assistance in resolving this issue.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Skopos Financial, LLC (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Accont name : SKOPOS FINANCIAL Account Number : XXXX Installment
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (CA)

All requests took over 30 days to resolve. XXXX, XXXX and Experian all report my student loans twice. They report the balances as late when the student loans have been discharged completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.