davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (FL)

i am a victim of fraud, i did not do these inquires nor do i know where the collections came from. 

XXXX XXXX XXXX Collection {$400.00} XXXX XXXX Collection {$4600.00} 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 2021-01-23
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: EQUIFAX, INC. (MI)

The accounts that I disputed wasn't fixed by the company at all. When I requested verification of the debts it came back verified when it wasn't verified by the creditor. How can it come back as verified with the credit bureaus when the creditors couldn't verify the debt and This inaccurate information on my credit is preventing me from purchasing a home and is effecting my true credit score. The credit bureaus went well over the 30 days multiple times and I feel like this should be resolved as soon as possible.
Consumer complaint received 2023-05-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear Sirs, I have the honor to very respectfully report the acts of a criminal organization witch members are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( probably a fake name ), a company that issues fake loans ( doc # 1 attached ) 2 / XXXX XXXX XXXX  represented by XXXX XXXX XXXX XXXX XXXX, a company that endorses those fake loans by supposedly insuring them ( doc # 2 ) 3/ XXXX XXXX XXXX XXXX XXXX which collects the funds from this scam ( doc # 3 ). 
I was a victim of this criminal organization which stoll me about XXXX dollars ( XXXX euros ) ( doc # 4 ). 
So that shuton cash loan has granted me a fake loan of XXXX dollars ( doc # 5 ) and has insisted that I insure this fake loan with royalland insurance org ( doc # 6 ) royalland insurance org told me that I have to pay XXXX dollars for this insurance ; but i have refused. 
A XXXXXXXX XXXX loan  agent named XXXX XXXX, XXXX - XXXX XXXX. XXXX XXXX XXXX. ( probabely a fake name too ) then enters the scene to supposedly help me. 
He had offered to lend me half of the XXXX dollars of the false insurance in XXXX ( doc # XXXX ). 
and because this insurance demands that I mandatory pay it in XXXX he had given me his account so that I can wire the money into it ( doc # 3 ). 
Finely I had paid XXXX dollars to the indicated account ( doc # 4 ) and had obtained the fake insurance certificate ( doc # 8 ) but no credit was released to me. 
XXXXXXXX XXXX XXXX then asked me to deposit XXXX dollars to activate this fake loan ( doc # 9 ) that makes me understand I was the victim of a criminal organization. 
With Respectful greetings.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

I set up an automatic monthly payment and have not missed a payment for the five years I had the car loan. But for some reason my very last payment did not automatically deduct and I did not receive a notification about it until two months later. I then went to a chase bank and paid the last monthly payment and the late fees with it.
Consumer complaint received 2023-03-03
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. (MA)

In accordance with the Fair credit Reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.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.

15U.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 belielve that the information is inaccurate
Consumer complaint received 2016-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

On XXXX/XXXX/15 I paid a debt owed to a collection agency in full. In writing I received notice that they would not report to a credit reporting agency. However as of this date, they continue to report the account and refuse to remove it even though I have pointed out in their own writing that they agreed not report to the credit reporting agencies.
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following items 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 XXXXXX/XX/XXXXInquiry According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information on my credit report is accurate, complete, and up-to-date. The above-mentioned accounts are not accurate and need to be removed from my credit report. 

The FCRA also states that you must investigate my dispute and respond to me within 30 days of receipt of my dispute letter. If the information is found to be inaccurate, incomplete, or can not be verified, you must remove or correct the information. 

Moreover, the FCRA also requires creditors to report information that is fair, accurate, and substantiated. I believe that the above accounts are in violation of this law, and I demand that they be removed from my credit report immediately. 

Furthermore, the inclusion of inaccurate information on my credit report has caused me a great deal of emotional distress and has affected my ability to obtain credit. I urge you to take immediate action to remove the erroneous information and restore my credit report to an accurate and fair representation of my credit history. 

I look forward to receiving your response to my dispute within the allotted 30 days. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MN)

I to ask why I was not given the correct offer I saw on the website when I applied. On XX/XX/XXXX, I applied for the Chase XXXX XXXX XXXX because I saw a " For the First Time 125,000 Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. offer on the Chase website. I then followed Chase 's instructions and called them to confirm my application on XX/XX/XXXX. I checked the Chase webiste and the offer for Chase XXXX XXXX XXXX was still " For the First Time 125,000 Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. The customer service person told me my card was approved and shipped out. But he did not mention my rewards, so I thought the opening account rewards would be as it was stated on the website ( 125k bonus points ). However, I then received an email from XXXX. The email included a {$250.00} eGiftCard and stated " And remember once your XXXX XXXX arrives in the mail, use it to earn 50,000 bonus points when you spend {$3000.00} on purchases in the first 3 months. '' I called Chase customer service on XX/XX/XXXX to ask why I did not receive the bonus points as advertised by them, since the reason why I applied for this card was the attractive bonus points offer. Since they are not giving me the introductory offer shown to me on their official website, I believe this constitutes false advertisement by Chase.
Consumer complaint received 2022-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC is a Debt Collector who has reported a debt of {$560.00} that I do not owe, to the Credit Bureaus. I have contacted this collector several times to validate the Debt and send me documentation to prove that I owe the debt. This collection agency just sends a bill without any documentation that I owe the debt. This debt is not my debt and may be because of identity theft because I never opened that credit card. 
Their address is : LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Phone # ( XXXX ) XXXX
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CO)

In XXXX of 2023, I was approved for a Choice Privileges credit card with Wells Fargo. If I spent {$3000.00} or more within 3 months I would get XXXX bonus Choice Privileges points on top of the Choice Privileges base points I would earn. I made the required purchases by early XXXX, less than 3 months. After 5 months, I had not received the bonus XXXX points and inquired with Wells Fargo. They did an " investigation '' and on XX/XX/XXXX, called me and said I did not earn the XXXX bonus points because all of my purchases were pre paid gift cards which are excluded from earning base and bonus Choice Privileges points. I disputed this finding with the investigator, XXXX, pointing out I did not buy any pre paid gift cards. XXXX said ALL of my purchases were pre paid gift cards. I asked her if she knew what a pre paid gift card was and she refused to answer it. I told her it was a reloadable visa or master card debit card. I bought none of those. Of the over {$3000.00} in purchases, many of my purchases were merchant gift cards, like XXXX and XXXX XXXX, which are NOT pre paid gift cards. They were gift cards only spent at those merchants. Further I pointed out that all of those purchases earned Choice Privileges base points on this credit card and that showed the purchases were coded correctly. Further, not all of my purchases were merchant gift cards, as can be evidenced by my credit card statements. I asked XXXX, the Wells Fargo investigator, if I could speak with a supervisor or manager. She emphatically told me they would say the same thing. However, when she transferred me to a supervisor, this person reviewed my account and apologized to me and said I was correct and the investigator was wrong and none of my purchases were pre paid gift cards and I should have earned the XXXX bonus points. The supervisor commenced a second investigation and said it would take 10 to 12 business days or possibly longer before I would hear from them. To date it's been 8 or 9 business days and I have not heard from them yet.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I submitted disputes with XXXX  and Equifax to have the account removed early via early exclusion. The creditor then updated the account status to only show that it was charged off and subsequently removed all late payments and on time payments. An account CAN NOT BE charged off if there were never any late payments. I have screenshots of previous reports. I have reached out to Equifax, XXXX, and XXXX ( XXXX  XXXX ). XXXX XXXX has said they are unsure why the payment history changed and are opening an internal investigation. This account is going to be falling off in XXXX and XXXX based on what dates each credit reporting agency has. I would ask that XXXX  XXXX or XXXX  please allow early exclusion of this as Im in the middle of a getting mortgage and the careless and frankly shockingly alarming error that XXXX ( XXXX  XXXX ) has made here has tanked my score by XXXX points for my regular FICO score and almost XXXX points for my mortgage score. If they didnt want to approve it being removed early via early exclusion then they should have simply said that and not tried to fix something that wasnt broken in the first place. This is going to mess up my entire mortgage application and Id like this fixed by either putting the payment history back to what it was or by removing this account from my report all together. Im not sure if at this point putting the payment history back to what it was would even remedy the amount this has tanked my score.
Consumer complaint received 2023-03-02
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. (TX)

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 name : XXXX XXXX XXXX / XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account nameXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX 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 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 2023-03-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Colony Brands, Inc. (NY)

Placed a gift order with Swiss Colony.After order, other sites sent me catalogs with buy now, pay later with XXXX payments. I ordered holiday gifts, expecting monthly charges to be low as advertised. Once I placed orders, more credit was extended to me from different sites and advertised payments of XXXX a month. I could afford that. When I got the bills, the payments were as high as XXXX a month with 28 % interest. To my surprise, when I contacted one of the companies, I learned they were all the same company. Rather than 1 revolving account, they were billing for each separate order, charging 28 % interest on each order and payments added up to XXXX. A month. When I questioned them about the advertisement of low payments, they laughed at me and hung up. I had a XXXX and spent awhile in the hospital. When I recovered, I looked at my once good credit reports to learn this company placed 4 different charge offs to the orders all owed by the one company who is deceiving people about who they are and how they are violating users laws with their scheme.
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the following late payment accounts that have been reported on my credit report : 1. XXXX XXXX Late Payment Account 2. XXXX  XXXX XXXX Late Payment Account 3. XXXX XXXX XXXX Late Payment Account 4. XXXX XXXX XXXX Late Payment Account 5. XXXX XXXX XXXX XXXX Late Payment Account I believe that these accounts have been reported in violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit reporting agencies are required to report only accurate and complete information about an individual 's credit history. In my case, the information reported is not accurate, as I have made all my payments on time and have not missed any payments. 

In addition, these late payment accounts violate the Fair Debt Collection Practices Act ( FDCPA ) as well as the Fair and Accurate Credit Transactions Act ( FACTA ). The FDCPA protects consumers from abusive debt collection practices, and the FACTA requires that consumers be given accurate information about their credit history.

Furthermore, these late payment accounts are in violation of the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). These laws protect consumers from unfair lending practices, ensure that consumers are given clear and accurate information about their loans, and give consumers the right to dispute billing errors. 

I am emotionally distressed and concerned about the impact that these late payment accounts will have on my credit score and my ability to obtain credit in the future. Therefore, I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/21 I received a call from XXXX stating she was a compliance officer and was sending someone to my work place to make contact with me and take me in for a court proceeding. She couldnt provide me any information pertains to her office name, address, location, etc. she gave me another phone # XXXX and reference # XXXX. She then called my work and told my operational manager I was rude to her because I was asking for her company information. I then called the # and gave them the reference # and spoke with XXXX and XXXX XXXX both were not able to give me any company information other than the company name of Assurance and that it was for a debt with Ace Cash Express. I asked who do I pay. They told me at this point they dont want my money they are coming after me. But they still wouldnt provide me any information as to what kind of case, case #. They told my operational manager they were coming to apprehend me and couldnt provide her with much information either.
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I financed a XXXX Nissan Altima from Nissan Motor Acceptance Corporation ( NMAC ) in XX/XX/XXXX. I also purchased GAP and other warranty products at the time of purchase. On XX/XX/XXXX I was involved in a car accident in which the vehicle was totaled. My insurance paid most of the car balance off with NMAC except for approximately {$1500.00}, which comprised of the GAP premium and warranty package. I filed a claim with the GAP company listed on my loan documents from NMAC which put me through a series of hoops in order to fax them paperwork every week only to not review it for another whole week and send me a letter via mail each time they requested new information. I would not receive a call related to my claim or any direct communication. I spent over 3 months trying to have the remaining loan balance paid off with NMAC. I even requested to just have NMAC place the remaining balance onto the new car I financed with them in XX/XX/XXXX. They declined. Instead they insisted on allowing my GAP claim to be denied for charges that were only there due to me even purchasing the GAP and extending warranty to begin with. Had I not purchased these products that in no way helped me in the way they portrayed that it would if I ever was to find myself in this situation, I would not have a remaining balance on this loan. Since I had to purchase a new car after totaling my car I could not afford to continue making payments on the XX/XX/XXXXloan, thus it has affected my credit significantly. I feel this practice of selling GAP products without fully explaining how they work is a total sham. I
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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: National Credit Systems,Inc. (MI)

I signed a lease to an apartment, and the building was sold to a new owner ( XXXX XXXX @ XXXX ) halfway though the year. I requested to be let out of lease due to breach of contract and poor services rendered and had a signed legal agreement between myself and the new owners and our respective attorneys all together nullifying the agreement. The disgruntled manager still reported it to collections ( National Credit Systems ) and onto my credit reports at all 3 bureaus. I disputed it with National Credit Systems and provided attached documentation and with XXXX and XXXX, and they dropped it from my report, but XXXX will not. After several unsuccessful tries they won't allow me to file anymore.