davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
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. (PA)

I received a letter dated XX/XX/XXXX saying " After careful consideration, we decided to close your credit card account on XX/XX/XXXX, because Chase closed a previous credit card, deposit, or investment account. '' I received almost exactly the same letter over 3 years ago, dated XX/XX/XXXX, for which I submitted a Consumer Financial Protection Bureau complaint, ID XXXX-XXXX. The outcome of that complaint was that my account was reinstated. 

After receiving the letter dated XX/XX/XXXX, I called the phone number provided on that letter, XXXX. The representative I spoke with said that they see no indication that my account is going to be closed, and they aren't sure why I received that letter. I called back to speak with a different representative, and they also told me there's no indication that my account is going to be closed. The second rep I spoke with said that the letter was sent in error, and my account is not going to be closed. I proceeded accordingly, scheduling business bills to be paid on this card. 

Logging in after XX/XX/XXXX, I saw that my card was, in fact, closed. This resulted in numerous unsuccessful charge attempts for bill payments I had scheduled, causing those accounts to become overdue, as a direct result of the misrepresentation provided by the multiple representatives I spoke with, who assured me that my account would not be closed. 

After seeing that my account was closed in late XXXX, I called Chase, was transferred to different departments approximately five times, and I ended up being transferred to the executive office again ( the office that had previously reinstated my card account that was closed back in XXXX ). I received a voicemail from the executive office on XX/XX/XXXX, saying that they have completed the review and confirmed the closure of my account. 

The exact same thing happened back in XXXX, where I was called from the executive office and told the account closure was confirmed, then they later reached out and said they reconsidered and reinstated my account.
Consumer complaint received 2021-09-28
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I deposited my paycheck on Friday XX/XX/2021 at an ATM in XXXX, AL. I previously confirmed with Wells Fargo that my money would be available the following day. My ATM receipt also states my deposit would be available on XX/XX/2021. The following day I get an e-mail stating that my funds were being held until XX/XX/2021. I called Wells Fargo to see what the problem was and was told to refer to the maker of the check. I called my employer on Monday XX/XX/2021 and told them the problem. We called my employers bank, XXXX  XXXX XXXX, and was told the money was released to Wells Fargo when requested on Friday. I called WF back and was told I needed to go into a branch and the hold would be lifted. I went into a branch and was told it was a fraud hold on my account and they couldn't do anything about it. I called the fraud department and was told they have nothing to do with this hold. At this point my money has been stolen by Wells Fargo and I will be filing police reports.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I received an email from Consumer Financial Protection Bureau ( CFPB ) stating Bank of America ( BOA ) was still working on the issue, Complaint ID XXXX. One day later I received the attached letter from Bank of America ( BOA ) dated XX/XX/2021 stating that they consider my dispute resolved. 

Their letter doesnt address my complaint or resolve it. 

I logged on to review the companys response on the CFPB website today, XX/XX/XXXX. The website shows the status, as open and the company response is in progress as of XX/XX/2021. 

I am confused as to why BOA considers the complaint closed. 

A few days prior to XX/XX/XXXX, I received a phone call from XXXX XXXX assistant, who informed me that XXXX was working on my claim. She verified that I had in fact submitted a claim to CFPB and had sent documents. The assistant said if I had any questions I could contact Ms. XXXX at XXXX. I am not sure why I was contacted. Perhaps I was mistaken thinking that communication would take place between BOA and CFPB, not me directly.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

There are several inquiries on my credit report that I am unfamiliar with/fraud and they should be removed because I didn't apply to these creditors : EQUIFAX ( 6 ) XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( 4 ) XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 8 ) XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX Bankruptcy : Account Number:XXXX Account Name : XXXX XXXX Bankruptcy : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX 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 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

This credit reporting agency keeps reinserting this false collection account from XXXX amount {$XXXX} on my credit report this same account has already been disputed and deleted two other times and it keeps coming back, I think I may need to seek legal advice. I have already contacted them about it is still on my credit report.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I HAVE CONTACTED XXXX XXXX  NUMEROUS TIMES, ZERO RESPONSE. XXXX XXXX  FAILED TO RESPOND TO MY CORRESPONDANCE SENT ON XX/XX/XXXX, VIA CERTIFIED MAIL. I HAVE ATTACHED THE CERTIFIED LETTER THAT WAS SENT FOR PROPER VALIDATION AND NOT VERIFICATION AS WELL AS THE USPS TRACKING SHOWING IT WAS DELIVERD AND PICKED UP BY ONE OF THEIR REPRESENTATIVES. IT IS NOW XXXX XX/XX/XXXX WITH NO RESPONSE OR CORRESPONDANCE, BUT ONLY ANOTHER COLLECTION AGENCY ATTEMPTING TO COLLECT. THIS IS NOW THE 5TH AGENCY, TO MY KNOWLEDGE AND EVEN AFTER FAILED ATTEMPTS TO SUE ME WHICH WAS DISMISSED IN COURT. THIS NEEDS TO BE COMPLETELY ERASED ENTIRELY FROM ALL THREE BUREAUS AND OFF OF MY CREDIT REPORT, IMMEDIATELY. XXXX XXXX  FAILED TO RESPOND WITHIN 30 DAYS - IT'S BEEN 4 MONTHS. I EXPECT THIS TO BE DEALT WITH AND NOT CLOSED LIKE THE LAST COMPLAINT I HAD SENT CFPB. I AM ALSO REQUESTING A COPY OF THIS DELETION. NEXT STEP WOULD BE THE ATTORNY GENERAL FOR CFPB NOT DOING THEIR JOB AND XXXX XXXX  NEGLECTING TO RESPOND. THANK YOU
Consumer complaint received 2021-09-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (NC)

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX made me purchase my own insurance separately. XXXX XXXX XXXX willfully and knowingly failed to disclose vital information pertaining to the finance charge and also my right to rescind/request validation of the debt. 

Ally Financial XXXX has unlawfully collected 52 completed payments from me on behalf of this alleged debt. Ally Financial has harassed me regarding this debt. Ally financial has abused my rights so be it pursuant to 15 U.S. Code 1692d. I have given Ally Financial an opportunity of notice to settle these violations civilly and in accordance with federal law. Ally Financial XXXX response was completely deceptive and misleading, following the willful neglect to validate the debt in a manner which is admissible pursuant to law as I requested validation of debt 15 U.S. Code 1692g. As the original creditor I DO NOT validate this debt therefore Ally Financial must remove the debt and provide remedy for the damages sustained by their willful an knowing violation of my rights. 15 U.S. Code 1692k.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am being called by Portfolio Recovery, who's original creditor they work for is XXXX Bank. This collection agency " Portfolio Recovery '' is the definition of harassment. I am being contacted 3 - 5 times per day, at all hours of the day. You can not reliably block their IP phones because if you block a number, they simply modify the number from their set list and contact you again. 

I have asked many times for them to quit contacting me as I am already debating litigation against the original doctor that the quarrel/financing is about. If they wish to pursue legal action, I encourage them to do so, but I will not tolerate being called all the time, every day, by spoofed numbers. I would very much like to request consumer finance to help me look into this on behalf of myself and my family residence. Not everyone can immediately pay things that another entity claims they are owed, especially when litigation may be potentially involved. This does not mean we should have to deal with harassment every day, either. It's just the way of the world.
Consumer complaint received 2021-09-28
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. (DC)

Of the three credit agencies, Equifax has mistakenly confused my identity with someone else. I have submitted 3 disputes and Equifax has not been able to correctly update my name, social security number, date of birth and verify that information with all of the accounts it is reporting as part of my credit history. I am at a loss in knowing how to prove something that is not true - even after uploading numerous documents to prove my identity.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (TX)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

XXXX XXXX is trying to charge me XXXX dollars for cable internet service I made multiple good faith efforts to disconnect. They refused to attend to my request in a timely manner and continued to bill me and assess late fees. 

They sent my account to a collection agency : CBE group. 

I already filed a complaint against XXXX to the FCC and FTC months ago when they tried to bill me and charge late fees. They claimed at the time, in writing, that they were not able to locate my account information and could therefore not act on my complaint. I have receipts and screenshots and phone records showing many attempts to disconnect service. 

My account number is XXXX I am planning to pursue civil action against XXXX.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (IL)

XXXX XXXX XXXX ( Finance ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

WELLSFARGODEALERSVCS ( Finance ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX ( Auto ) XX/XX/2022 WELLSFARGODEALERSVCS XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CONTOUR MORTGAGE CORPORATION (NY)

XXXX XXXX from contour mortgage ran my credit without my consent and approval. I reached out to them to learn my about mortgage qualification. I never asked them to run my credit and I specifically asked them to let me know before running my credit. He went on and ran my credit without informing me whatsoever.
Consumer complaint received 2021-09-28
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: Lincoln Educational Services Corporation (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. LINCOLN TECH violated 15 usc 1692b. ( 5 ), 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Consumer complaint received 2019-01-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I got a phone call and the caller ID showed up as XXXX XXXX XXXX, so I picked it up. Some guy claiming to the the XXXX Police Department dispatcher told me that he has police outside my house and they will be coming in to get me if I don't call XXXX to settle a debt. I let him know that they were at the wrong address anyways and he told me they would be picking me up from work if I didn't call that number. 

I called the number and was told that I was being charged with fraud, writing bad checks, and defamation. If I wanted to avoid these charges I would have to : - Pay {$1000.00} today - Agree to pay $ XXXX/month for six months - Pay {$400.00} today and agree to pay {$170.00} for six months I didn't give them any money, but felt like this should be reported. I'm uncertain at the moment if there is a warrant for my arrest, or if police officers will be showing up at my job, this is ridiculous.
Consumer complaint received 2021-09-28
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: CLGF Holdco 1, LLC (TX)

I reached out to Indigo on several occasions regarding this fraudulent inquiry. And every representative that I'd spoke to made it very clear that this a serious matter and that it would be taken care of. And it still remains on my credit report.
Consumer complaint received 2021-09-28
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (IL)

Professional Finance Company is the 4th collection agency attempting to collect this debt. Please find attached documents showing that the 3 previous collection agencies had my credit files showing that my files were deleted. The debt was never verified.

I am a little concerned because two of the companies have similar names, Professional Finance and XXXX XXXX XXXX XXXX.

See attached documents showing that they all had been deleted. 

.