davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (WA)

On XX/XX/2019, I tried to obtain in-store credit line ( from American First Finance ) to purchase new couches at XXXX XXXX XXXX, XXXX, WA. I was denied credit. The reason in the letter they sent me, later, was because " poor credit performance ''. It also stated the key factors that adversely affected my credit score ( which they labeled as XXXX ) was " Insufficient credit history, a combination of address withe other identity elements is generally associated with risk consumer associated withe address changes, hih number of recent applications using address. '' This information about my credit was obtained from XXXX XXXX ( an XXXX company ), XXXX XXXX NV. I reached out to XXXX   to get the report they sent to AFF. After completing the appropriate paperwork and submitting it with the proper ID, what i got shows no credit history at all. I spoke with a gentleman ( who was extremely nice and helpful at XXXX ) and he mentioned that my lack of information might be due to the fact that I don't use short term credit. 

I have had credit in some form since I was 19 or 20 years old. After seeing this lack of information from XXXX, XXXX, I obtained 2 of my 3 free credit reports for the year from XXXX and XXXX. I frequently monitor my credit on XXXX XXXX as well. My credit reports show all of my accounts in good standing. 

I'm beyond frustrated with how I was treated the 2 times I tried to call AFF with their customer service agents being rude and condescending. I understand that because i was applying for credit, it was a hard inquiry on my credit report. However, I am responsible with my spending and line of credit I have open, I would've not applied for credit knowing I would be denied ( this has never happened to me before ). I applied knowing companies frequently want to give me loans since I am a good steward of my money and pay my bills on time and have a good credit history. Because of this hard inquiry, my credit score dropped over 25 points.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (IN)

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 XXXX, Equifax 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 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

In XXXX, I reached out to XXXX  ( my loan was just switched from XXXX XXXX ) to inquire about loan forgiveness for Federal Government employees. XXXX explained that in order to certify my student loans my loans would have to be sent back to XXXX for servicing. 

XXXX contacted me and said they would need to review my employment record from XX/XX/XXXX and look and my payments and they will tell me the number of qualifying payments after their review. 

XXXX  finally reached out and stated that I had " 0 '' qualifying payments. I was told that " I was not in an income-driven repayment plan. '' The agent helped me switch over to the pay-as-you-earn repayment plan and recommended that I consolidate my loans to help pay them down faster. 

In XX/XX/XXXX, I was informed that there was a reversal on the decision and now ALL repayment options for the loan forgiveness program and that I needed to resubmit my request -- and I did. 

After reaching out the XXXX after discovering the reversal decision, I was told I needed to resend the original denial letter and resubmit a new form. After submitting this information, XXXX stated that I only had " 10 qualifying payments '' because my loan was consolidated in last year. 

The only reason I consolidated my loan was because XXXX initially told me I had " 0 '' qualifying payments because I was in the wrong repayment plan so I switched it. 

XXXX should consider those original payments starting with XX/XX/XXXX to present because the only reason my loan was sent back to XXXX was so they could review my loan for federal loan forgiveness program. Now my account shows that I only have 11 qualifying payments. This is false/misleading information from the student loan servicing entity to trick people into consolidating loans to lower their payments, but they are doing this to disqualify payments for their " loan forgiveness program '' scam. The only reason I considered becoming a XXXX XXXX was because of this program. Now, XXXX claims I have to work and pay an additional 9 more years. 

These loans include both undergraduate educations starting back in XXXX to more recent graduate loans in XXXX. I have paid my fair share. I just want the Department of Education to follow through on their claims to borrowers.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

a ) The Morning of XXXX XX/XX/2021 Checked my account and noticed unauthorized charges XX/XX/2021 XXXX XXXX XXXX XXXX, {$9.00} XX/XX/2021 XXXX XXXX XXXX, {$380.00} XX/XX/2021 XXXX XXXX XXXX, {$53.00} b ) Immediately called chase, c ) Talked to chase they closed my account and sent me out a new card d ) the next day i noticed charges still on my account so i called again e ) they said charges will be removed soon f ) few days later charges are removed. 
g ) got my new card activated thought everything was fine. 


h ) XXXX XX/XX/2021 i received an email ( We posted a new notice or letter in your Chase XXXX app and at chase.com/statements. ) I ) Your account ending in XXXX Dear : ( My Name -- -- - ) Thank you for contacting us on XX/XX/2021 about an unauthorized transaction on this credit card account. We completed our review and would like to share the results of our investigation. 
You can see this in your balance now at chase.com and on one of your next two billing statements. 



You are responsible for the following transaction ( s ) Transaction Description Reason XX/XX/2021 XXXX XXXX XXXX XXXX  You received benefit from this transaction. 
XX/XX/2021 XXXX XXXX XXXX XXXX You received benefit from this transaction. 
XX/XX/2021 XXXX XXXX XXXX XXXX You received benefit from this transaction. 

j ) Charges were added back to my account stating i received benefit from this and transaction ( I DID NOT ) k ) called chase again and now i guess a re investigation said i will get a call l ) XX/XX/2021 received another email ( We posted a new notice or letter in your Chase Mobile app and at chase.com/statements. ) There was no new notice just the same notice from XX/XX/2021 m ) I did not receive any benefit from these transaction I do not know who, what, or where XXXX or XXXX is I assume XXXX is an Airline because Airway ( XXXX XXXX ) is in the name and XXXX is a flower shop because florist is in the name ( XXXX XXXX XXXX ) I do not understand how or why the credit card company that is suppose to protect me is not doing so.
Consumer complaint received 2021-12-23
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. (CO)

This has cause a major problem in my life Financially. Ive been working to rebuild credit and this items on my credit report is stopping me to receive a home, loans, and unable to establish a new lines of credit. By FCRA law these negative items on my report should be remove immediately..
Consumer complaint received 2024-02-20
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. (CA)

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 30 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 30 days, they should be promptly removed from my credit report. Since it has been over 30 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 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (SC)

My father passed away in XXXX of 2014 and XXXX XXXXXXXX was foreclosing on the home while I was in Probate and was refinancing the home with another company. XXXX XXXXXXXX XXXX in my opinion.
Consumer complaint received 2021-04-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Glasser and Glasser, PLC (VA)

I was notified by this Third Party namely Glasser and Glasser P.L.C of a CIVIL CLAIM FOR MONEY regarding a WARRANT IN DEBT. I replied to this Third Party and never got response from them and now they have submitted this Warrant in Debt with a Civil Claim for this Alleged Debt.
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (GA)

On XX/XX/XXXX, I received a call from Avante USA asking my name. I did not provide this information, as the caller was rude and only asking my name. The only information the caller would provide was where they worked, nothing about anything else unless I confirmed my identity. 

I proceeded to send a debt verification letter on XX/XX/XXXX, after searching Avante USA, and finding out they are a debt collection agency. I never received any letter in the mail with a right to dispute, or any information regarding the debt. I sent the letter using UPS certified mail, and I have not heard anything back from Avante USA. 

I have disputed the account on XXXX via XXXX XXXX, and I am filing this complaint due to the lack of communication. From my understanding, I am supposed to receive notice with a 30 day dispute window.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXX - Account XXXX Please remove it from my public record XXXX XXXX XXXX Account XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment.
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

In XX/XX/2021, I disputed with Wakefield and Associates to remove me from their collection process. They deleted the negative accounts from XXXX but have not removed them from XXXX and XXXX. I asked for them to remove me from ALL CREDIT BUREAUS XXXX, XXXX and XXXX. As allowed under the Fair Debt Collection Practices Act ( FDCPA ). This could be a violation of Federal and State Law.
Consumer complaint received 2021-12-23
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. (CO)

I have attached documentation from the US Government Bankruptcy reporting system ( XXXX ) to support my request for removal. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after ten years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681c. The date listed on the court document states initil filing date of XX/XX/2011 case # XXXX I have submitted all supporting doc and disputes, and its clearly over 10 years old, it still hasn't been removed
Consumer complaint received 2019-09-09
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. (TN)

Equifax ; XXXX and XXXX are incorrectly reporting a charge-off collection in the amount of {$16000.00} on the XXXX XXXX/XXXX/XXXX XXXX XXXX - account number XXXX. ( Please see page attached from my credit report. ) Per agreement from XXXX XXXX XXXX, the vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2019-07-19
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. (IL)

This account is not valid and has been sold to a 3rd party, after attempts to resolve this for the amount of {$1300.00} this account still exists after numerous try 's.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (NY)

BMO Harris is providing its customers an interest rate lower that what they advertise in their marketing. 


I opened a savings account on XX/XX/2023 with BMO Harris that advertised an interest rate of 4.20 %. 

https : //www.bmoharris.com/main/personal/onlinesavingsaccount/? XXXX Once the account was opened on XX/XX/2023 I was informed via my account profile on BMO Harris ' website that the interest rate is 4.114 %. 

Following the instructions in the Product Disclosure I called BMO Harris at XXXX to learn the current interest rates for the account on XX/XX/2023. The employee on the phone confirmed that the advertised interest rate was 4.20 % and that the interest rate on my account is 4.114 %. 

They were unable to provide additional details about the current interest rates or clarify any additional terms or conditions of the current interest rate. 

https : //www.bmoharris.com/pdf/disclosures/BMO_Harris_Online_Savings_reg_dd.pdf
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (AZ)

These people started calling me back in early XXXX with a claim that I owed a debt but the information they provide me I told them idk who created this so called debt but it never getting paid. They have probably called me over 200 times from various phone numbers. Back in XXXX they pulled the same thing repeated phone calls from various numbers and it happened in XXXX as well and I had to change my number about 10 times until they got this number.
Consumer complaint received 2019-09-09
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. (CA)

I have been denied a rental unit due to an unsuccessful attempt to gain access to my credit report via Experian, who asked me for further identification using unfair and unrelated questions. I have been applying and getting denied for an apartment due to inaccurate questions being asked of me for further identification purposes through Experian. I applied for an apartment on XX/XX/2019 at XXXX XXXX XXXX XXXX in XXXX, CA who uses a company called XXXX ( XXXX XXXX XXXX ) to run credit reports through Experian. I paid {$35.00} ( Twice ) and was told that I needed to further identify myself through a link sent to my email with questions that were supposed to pertain to myself, randomly selected and provided by Experian. The questions I received did not pertain to me. For example, I was given a question asking to choose a phone number I am associated with, I either have never had these numbers or they are so old that it is unfair to ask me to remember them and then deny me when I don't. Another examples would be a question asking me to choose the person whos birthday falls on a particular date, not only did I have no association with the people listed in the multiple choice question, but it is unfair to assume that I would know their birthdays even if I had known them. I was charged twice for this service and two hard inquiries have been put on my report regardless of the fact that it was the same company and they said they were unable to run it due to inability to verify who I am. I am in desperate need to have this issue resolved, as I can not find a place to live if I am constantly denied due to unfair questions asked of me. My two-year old daughter and I are within weeks of being homeless due to this issue. I need these questions removed pertaining to people, phone numbers and any other information that does not pertain to me. Seeing as I do not know what questions I will be asked ahead of time, there is no way for me to inform you of which future questions I may be asked that will be incorrect or that I can not answer. I am requesting that Experian provide my report to XXXX, as previously authorize, twice, and remove these questions that were asked of me so future inquiries will be process without delay. I would also like those two hard inquires from Rental Property Solution ( dated XX/XX/19 & XX/XX/19 ) taken off my report as it is unfair for my report to be impacted by an inquiry that could not be completed once, much less, the two times it is on my report from the same company, for the same reason. Thank you for your time and I look forward to a resolution.
Consumer complaint received 2019-11-24
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: Experian Information Solutions Inc. (NY)

Recently, I received a copy of my credit report which showed unauthorized inquiries that I did not authorize. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries shall not be allowed to be placed on my file unless I have approved it. The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit. Thus, the unauthorized inquiries were fraudulently committed. 

Listed fraudulent inquiries : XXXX XXXX XXXX ( Inquired on XX/XX/19 ), XXXX XXXX XXXX ( Inquired on XX/XX/19 ), and XXXX XXXX XXXX  ( Inquired on XX/XX/19 ), Respondent, I also need to bring to your attention that there are several inaccurate variations of my name ( XXXX XXXX, XXXX XXXX XXXX ) in my file, and some outdated information ( several addresses ) on my current credit report. This information ( old addresses, and inaccurate variations of my name ) is more than seven years old and exceeds the statutory time period, under the Fair Credit Reporting Act., and they must be removed. Respondent, once your investigation is complete, please send me an updated/revised copy of my credit report, after these unauthorized inquiries have been deleted. 
Enclosing, I thank you for time promptly addressing this request letter and this matter. 

Sincerely Without Recourse By, XXXX XXXX XXXX XXXX XXXX