davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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 XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX 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 2021-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC (AZ)

Upon reviewing my credit report I saw that XXXX placed me in collections for something I do not owe them. I tried to resolve it directly with XXXX as XXXX is listed as the collector, but was referred to a 3rd party collection agency Valor. I immediately requested a validation/verification of debt which the representative told me does not exist. He kept trying to verbally tell me I owed XYZ amount. I sent a formal request for debt validation via mail and still have not heard a thing. Meanwhile Valor calls me so many times a day Ive had to block the number.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NE)

Chase bank finance a XXXX truck for me and it was totaled due to flooding Well at end when finished and they gave final amount owed to my insurace company and gap in and it was payed off they still reporting a padt due amount 4 years later and had 8 months lated over due payments after claim was filed!
Consumer complaint received 2020-03-25
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)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2021-03-17
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: EQUIFAX, INC. (MD)

There are incorrect items on my credit report i disputed these items and Equifax refuses to correct the inaccurate incorrect items they have since added paid to the accounts instead of deleting them off my report the accounts are inaccurate and should be deleted off my report credit and unauthorized credit inquires also being refused deletions
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I applied for a Chase United Credit Card ( the Ref # is XXXX ). One XX/XX/XXXX, I received a letter that required me to submit some documents to verify my information. Then I did that. On XX/XX/XXXX, my application was approved, and I received my card on XX/XX/XXXX ( the letter coming with the new card was attached ). 

However, on the same day ( XX/XX/XXXX ), I received another letter that said my account was closed ( attached ). The reason given in the letter was : 1. Not enough credit information on file 2. The accounts on your credit report have not been open long enough That was based on the credit report from XXXX. 

Then I requested my credit report from XXXX  ( credit report ). On the credit report it's very clear that I have an individual credit card ( XXXX  XXXX XXXX # XXXX**** ) opened on XX/XX/XXXX, and there was no any missed or late payment. The history of that card is nealy two and a half years. Why do you think ' the accounts have not been open long enough '? 

Also I have server credit cards which I was listed as the authorized user of my husband 's account. Neither of them has any problem. 

I'm really puzzled and angry! You have approved my application based on my credit report and submited documents. Why do you close it immediately? The given reason is really shocking!
Consumer complaint received 2020-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit A*R, Inc. (TX)

I recently discovered that Summit Account Resolution is reporting a debt that I do not owe to all three credit bureaus. After discovering this discrepancy I reached out via certified mail to Summit Account  Resolutions providing proof of full payment made to the original creditor and also requested removal of the negative account being reported. Summit replied by mail still requesting that I remit payment for a debt that I do not owe ( refusal to remove negative account ). This is a violation of the FCRA and if this matter is not resolved immediately I will be filing a claim for damages.
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

1. In 2018, my access to my account was limited and the bank said they need to complete investigation which was estimated to take one month. All the questions and information requested were given. 

2. I have attempted severally to reach the people handling the account without success. 
I called and left several messages and text on the account with no response or reply. 

3. I noticed severally were withdrawals were made by the bank and called the bank to find out who was taking money from my account. I noticed the few days the money was placed back into my account. This has been on going since 2018. 

4. My request to the bank is clear to close my account and return my balance with a cashier 's check to my home address with the account. 

Thank you.
Consumer complaint received 2023-01-16
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. (PA)

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 XXXX : # XXXX, Account name 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 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 XXXX 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. 
Chapters
Consumer complaint received 2023-01-16
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: TRANSWORLD SYSTEMS INC (IL)

Transworld Systems reopen an account that was previously closed without my consent. And this is not the first time that this company reopened this account. This account was originally closed/charged off on XX/XX/XXXX. Transworld systems reopened this account on XX/XX/XXXX and later reopened the account again on XX/XX/XXXX. I contacted the company and the credit bureaus about a potential error because it is unusual for closed accounts to be reopened. I didnt get a response from neither of them. And this account keep being reopened which is frustrating because I havent received anything from them that verifies that this account is mines. I have asked these companies for the original contact barring my wet signature. I would like to so that contact asap. The account number is XXXX, the account name is TSI .
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (DE)

A few years back I got a loan to pay for my XXXX  XXXX XXXX tuition, everything was fine and I had no problems. I recently applied to get a loan for XXXX XXXX XXXX  XXXX  tuition and it was denied due to collection accounts. The bureau that the lender used was XXXX. I immediately pulled my credit reports and sure enough there were two accounts in collections being reported. After careful review, I realized that the accounts did not belong to me and they were opened during the time that my personal information had been exposed. I had never obtained any goods or services from the companies. I contacted the credit bureaus and was advised that I needed to file identity theft disputes for these accounts, which I did. I filed a dispute, filed a police report and FTC report and submitted all the documents requested of me including a request to block the information/accounts in question. None of the information was blocked and 20+ days after my dispute, XXXX sent me paperwork that they had forwarded the information to the collection agencies for the collection agency to investigate. Thirty days after my dispute, XXXX sent me paperwork that the accounts had been verified as accurate. How can accounts that were open fraudulently, using me information be verified as accurate? 
Needless to say, my daughter was not able to attend XXXX  last semester due to the fact that I could not get the loan to pay for her tuition because XXXX is reporting inaccurate information on my credit report. 
I am in the midst of filing another dispute with the credit bureaus and collectors. I could just pay the debts so that my loan gets approved ; however, for me its the principal. Why would I pay for products/services that I did not request nor receive? 
Through all the polices, procedures, and legislation that Ive read about from the FTC, CFPB, and the actual credit bureaus, no matter what, it seems that the credit reporting agency can report anything submitted to them by a creditor and us consumers have no recourse. 
I have witness, notarized FTC affidavits, police reports, etc. What else do I need to do to resolve this issue? 
I am submitting my disputes again and hopefully this issue can be rectified before next semester. I just dont understand why the items in question cant be blocked until the reinvestigation is complete.
Consumer complaint received 2021-03-17
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: EQUIFAX, INC. (CA)

In attempting to clear up my XXXX XXXX. I found out that I had an account dated back to XXXX on my Equifax business credit. I inquired on how to pay and was told I had to file a dispute since there was no Name of the company or # or address on the account. After requesting the dispute form twice. I finally received the form and completed it. I then sent it back to Equifax via email and fax on XX/XX/XXXX. I never received an email notification stating it was received. But the fax was completed. After the 30day mark, I did call and ask numerous agents that I was able to get a hold of to confirm when my dispute was received, to be told that the investigation is not yet completed. One agent, in particular, told me to send ANOTHER dispute form since he didn't see my dispute form in the system! He was very rude and condescending. I asked to speak to a manager and he told me I could not. I hung up and finally reached an agent by the name of XXXX and he apologized for the last agent as he was incorrect in asking me to send another dispute form. He gave me a case # and tracking # and told me that my file was going to be escalated and that within 48hrs I would be getting a call from the XXXX office to help me in finding out where my dispute was. I then received a call on the 2nd day after it was escalated but couldn't answer the call. The message left was a Mrs. XXXX, that stated that they are STILL WAITING on the creditor to get back to them and to give her a call @ XXXX if I had any questions. This was the same # to which I have been calling for 2 weeks. I called right after I heard the VM. I was then told I had to open ANOTHER case and wait for XXXX for her to call me back! 



I need to get this account cleared, the process in which Equifax has to dispute an account is not clear and difficult. It's like they don't have a process. I was even told this from their own employees!
Consumer complaint received 2020-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

When I left school, I left XXXX in XX/XX/XXXX ( lender issued by the school when I graduated school in XX/XX/XXXX ) and consolidated my  loans with Nelnet. After I found a better rate with XXXX in XX/XX/XXXX, I left Nelnet. In XX/XX/XXXX, three months after I was done with Nelnet, they charged me {$1200.00} ( {$1100.00} of principle and {$100.00} of interest since XX/XX/XXXX ) and said it was due to a leftover payment from XXXX all of sudden discovered during the consolidation process with CommonBond. 

When I called XXXX to ask if they had charged Nelnet, they said my account with them has been closed since XX/XX/XXXX and no changes have been made with them ever since. They even showed me proof ( because I can still log in and access my account ) that all payments regarding my account were made back when the consolidation happened in XX/XX/XXXX and they were able to provide a letter confirming that which I sent to Nelnet, along with all payments made to that account. 

Nelnet is lying and issuing fraudulent charges to borrowers like myself. I have had over 4 points of contact with Nelnet and not a single person can show me the proof on their end that XXXX charged them, hence why they would be passing on that charge to me. This last call I had with them today ended with them saying they are firm on their stance and will not show me the invoice, or comparable evidence I am looking for. I will not pay them because it those charges are made up and they need to dismiss this right now. This one pending charge with them is appearing as an extra line of credit in my credit report and that is unacceptable.
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is my second continued attempt to file a complaint against Bank of America for Bank of America for repeated violation of the H.R.5198 -  Overdraft Protection Act of 2016, through unfair practices related to the marketing and provision of overdraft coverage on my account. Specifically, Provision ( a ) PROHIBITIONS, clearly states - No depository institution may engage in acts or practices in connection with the marketing of or the provision of overdraft coverage that are unfair, deceptive, or designed to evade the provisions of 12 this section. 

Since XX/XX/XXXX I have made repeated attempts to contact BOA when transfer fees were being taken out of my account ( documented below ) because I had previously had free overdraft protection which waived the {$12.00} fee. This free protection was unknowingly removed from my account because my account changed the previous year and I was not notified that the account would begin charging. When I reached out to BOA to solve the fees, I REPEATEDLY asked them to provide me with an account that would decline my purchases when there was insufficient funds rather than charge me an overdraft fee. 

MY COMPLAINT EXPLICITLY STATES THAT THE VIOLATION IS THAT I REPEATEDLY ASK FOR A NEW ACCOUNT AND WAS TOLD no such option was available to me and that I had to continue with the account that I had and collect fees. However, on XX/XX/XXXX I was told that there was an option to change my account so that no charges incurred. 

Provision ( b ) also clearly states - that MARKETING DISCLOSURES.Each depository 14 institution that provides or offers to provide overdraft coverage with respect to transaction accounts held at that depository institution shall clearly and conspicuously disclose in all marketing materials for such overdraft coverage This is in clear violation of the act - withholding information that would have allowed me to have an account more accessible to my needs and avoid all further fees. 

I have documented records of calls to Bank of America attached below on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - 3 times On XX/XX/XXXX, I received notice from XXXX XXXX / Resolution Specialist Bank of America Regulatory Complaints Office : XXXX ext XXXX - that my complaint was denied because bank of america had sent me written notifications. HOWEVER my complaint against BOA was that specifically stated that I made repeated phone calls asking for a new account and they would not give it to me and that they were in violation then. When I asked Mr. XXXX if he had found in his investigation that I had in fact called repeatedly and asked for a new account he refused to answer and terminated the call. This is gross misconduct. 

I will subpeona the records of the phone calls, proving that I had asked repeatedly for a new account that would help me to remedy the fee situation and was not offered the appropriate account. 

I am asking only for I am asking for a refund of the {$790.00} in fees since XX/XX/XXXX.