davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-20
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX XXXXXXXX XXXX Experian XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX XXXX XXXX
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

Company closed my account unexpectedly and without notification on or around XX/XX/2020. When I called to inquire as to why ( after being embarrassed at a restaurant when my card was declined ) I was placed on multiple long holds after which I was told the account was closed due to " evidence of a previously financial crime conviction '' ( their exact words ). Neither I or anyone in my family have ever been convicted or even suspected/investigated of a financial crime, so this was a big shock to me. I was told via a email I received after calling in to inquire about the closure that evidence/documentation would be provided to me within 30 days ( the attachment stating that is included in this complaint ). It's been almost 90 days of this writing and I still haven't received anything. When I attempt to request the documentation via phone I have been told that there is only a general feedback form which doesn't require a response. I have just now submitted yet another request for documentation but the customer support representative advised me that I may or may not receive a response.
Consumer complaint received 2020-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (ME)

CREDIT MANAGEMENT LP XXXX XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this account. 
CONTACT INFORMATION CREDIT MANAGEMENT LP XXXX, TX XXXX This account says i owe {$370.00}. 

THis is the second time this creditor has placed a false collection account on my credit! This account says i opend an account in XXXX with this company and never paid a bill. I have not opened or authorized an account with this company. This false information deduct points of my score and I want my points back. I have nothing negative on my credit report and I have never been late on a payment! I don't even owe medical bill! I just bought a new home in XXXX and a new car in XXXX ... there is nothing negative on my credit report except this fraudulent account that is not mine. 
I have 100 % payment on all my accounts. 

Please help me remove this account from my credit report, and please help replace the points taken due to this fraudulent account.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I was charged {$120.00} on XX/XX/20 by XXXX XXXX on my card. This amount is incorrect. I disputed it with CITI and their response was since I didn't have a receipt to prove the correct amount then I had to pay it. It was an online purchase for which I never received a receipt. Furthermore, XXXX XXXX must have not provided a bill receipt either because CITI never provided proof that I approved this charge. I have tried to call XXXX XXXX to get a receipt but I get automated response that because of high call volumes by call can not be completed. I am perplexed how CITI takes the word of a merchant without proof over their own customers. I have attached the only email I received from XXXX XXXX for this purchase. I also attached a receipt from a previous purchase to demonstrate what I should have received or CITI should have requested before settling this dispute.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/20 I called Bank of America. They were going to mail a check in the amount of {$430.00}. They quoted 14 business days. On XX/XX/20 I called and was told check was stolen and they would re-issue check. I called again on XX/XX/20 and was told by Supervisor, XXXX ( he refused any other id ) that he would reissue another check. I never received and called back. They said they would stop payment and send money to my savings account electronically-5 business day time frame. I never received that either. I called again on XX/XX/20-per Manager, XXXX, stop payment was ordered, but representative failed to issue the electronic payment. I am now quoted another 10 BUSINESS DAYS. I have given this bank plenty of time to rectify this matter. I now feel deceived and betrayed by false reward promises. This is consumer theft!!
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I have attempted several times to have this company to VALIDATE this alleged debt, to no avail.I do NOT owe this company {$6300.00}. This inaccurate, incomplete, misrepresented account has been removed & reinserted from my credit report a minimum of 4 times in violation of FDCPA Sec 611 ( a ) ( 5 ) ( B ) and reinserted without the pre-requisite 5 day notice before reinsertion, nor has this company complied with my request in accordance with FCRA Sec 609 to provide the original instrument of indebtedness upon my request.I also requested accounting history in accordance with FCBA ( Fair Credit Billing Act ) information request, which entitles me to a detailed account history and info. 



This account was removed on or about the following dates XX/XX/XXXX-XX/XX/2019 XX/XX/XXXX-XX/XX/2019 XX/XX/XXXX- XX/XX/2019 XX/XX/XXXX-XX/XX/2019
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (CA)

Contract Callers Inc. sent me a notice saying I owed {$420.00} from an old XXXX bill dating back to XX/XX/XXXX when the account was closed. The most recent communication from them was from XXXX XXXX. I checked with XXXX last week and and they informed me I only owed {$70.00} which I promptly paid ( XXXX See attached ). I guess this was left over from closing the account. I DID originally, on XX/XX/XXXX receive a bill from XXXX for this same account ( see attached ) for {$420.00}, but this was before they credited me for returned/reused equipment and was 6 months ago. CCI insists that I still owe XXXX {$350.00} even though I have confirmed with them that I have a XXXX balance. 

I am trying to get a new copy of the balance now owed from XXXX, but they are overwhelmed with COvid-19 concerns. I finally got a rep on XXXX to investigate today but she won't get an answer until tomorrow. I can not just pull up the bill because the account is now closed. 

CCI has ruined my credit by reporting to the credit bureaus that I still owe {$420.00} and my score has dropped dramatically. I am suffering financial hardship from COVID-19 as my job has disappeared pretty much and I need my credit rating back. I tried calling CCI today but they insisted I was wrong. Evidently, they have a bad track record for doing this. 

Please help me get this removed from the credit bureaus. I was also the victim of identity theft with the XXXX  Breach in XXXX and I have worked very hard to clean up the mess that caused. I also paid over {$1000.00} to have my credit repaired and now its ruined over a mistake. 

Thank you so much for helping me. I really appreciate it.
Consumer complaint received 2020-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (TX)

Starting 3 years ago, I have tried to reach out to reach out to Sallie Mae to see how I can start settling my student loan and had trouble getting in touch with someone to help me get information on my account. In the meantime, my grandfather, who is the co-signer on the loan has been harassed by debt collectors threatening to sue him, but not giving any specifics of how much it owed or how he/I can settle this loan. 

Eventually I figured out my debt got sold to XXXX XXXX. 

Since then, I have reached out to get started on my repayment options with XXXX  only to have been lead to shady websites and broken links I even have been given disconnected contact numbers. This has been an ongoing process for about 2 years. 

I then was pointed to a credit repair service that I thought could help me get to the bottom of this situation. When I would talk to this service, they claimed that this loan was shown as being " none reported '' ( I have a downloaded PDF that reflects this ). The service was working for over 6 months to get this taken off my record but it didn't seem there was much else they could do, so I discontinued the service. According to the service, this would eventually get sorted out, it would just take time to reflect on the record. 

In the meantime, I have disputed the loan on my credit report on both XX/XX/XXXX and XX/XX/XXXX to see if I could resolve it this way both times the loan was verified as accurate. 

My complaint is not necessarily about the repair service, although I am unsure whether they've mislead me to believe this loan is not detected on my record. Instead, this complaint is about the loan company and a lack of feedback on how I can get information on this loan. This has greatly impacted my credit score, and I'd like to start getting this sorted as soon as possible.
Consumer complaint received 2020-03-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (AZ)

XX/XX/2020 I answered a call from the lender about my past due balance and advised them to pick up my car because Im unable to pay the amount. The collection manager was rude and stated they didnt want the car but want me to pay. I hung up on the person. They call at least 8 to 9 times a day using various numbers starting as early as XXXX my local time in AZ. which has began to be harassing.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion reports the following accounts as verified and updated. While still inaccurately reports multiple inaccuracies a violation of FCRA rules. 

( XXXX XXXX  ) currently reports inaccurate last date of activity and payment date a violation ( XXXX ) Unverifiable account a violation. 

( XXXX XXXX  XXXX ) knowingly reporting inaccurate account balance. A violation. 

XXXX XXXX  XXXX/ XXXX  XXXX XXXX/ original creditor XXXX XXXX XXXX  XXXX. Reporting account which seems to be unverifiable, and can not be validated. But still reports as verified and updated.
Consumer complaint received 2020-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm a victim of family Identity Theft. A family member opened unauthorized accounts in my name. I've submitted the Identity Theft Affidavit and corresponding evidence to the bureaus three times since XX/XX/2020. XXXX  has blocked the accounts. XXXX   and TransUnion have not blocked the unauthorized accounts. I'm trying to fix this asap as it is severely affecting my credit score and I need to purchase a house. I do not want to have to file a lawsuit because with the coronavirus too much is going on in my life right now. I just need this fixed. Please help.
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX XXXX sent my debt to a collection attorney who filed for garnishment of the debts owed to the company. On XX/XX/2020 I received a letter stating the debts were satisfied ( paid ) in full but XXXX XXXX has not updated my credit reports nor removed the inaccuracies after multiple disputes.
Consumer complaint received 2020-03-20
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. (AZ)

I would like to start by saying there was no accurate option to choose the problem but I cant continue / press next without choosing one. 

I have been denied for a car lease from XXXX XXXX XXXX and this is my XXXX lease and all completed perfectly. While I have several non legitimate items on my credit report, that for two months now I myself have been trying to dispute directly with these places along with trans union, XXXX  and XXXX  they will not allow me to do this for log in situations, not responding, not letting me add to a dis put that I have pending ( see weeks ago I had no issue logging in but suddenly I cant plus since it says one is pending I cant do a thing ). While I have less than two weeks left of owning a vehicle they flat out denied my application yet I cant get the help needed to correct items. I have legitimate items on my credit report and I get that. That shouldnt matter in terms of my credit score that changes by the minute now that I signed up for XXXX XXXX and XXXX XXXX. Amazing. Up XXXX points in a day and down XXXX the next day and so on. So while I am cognizant of what tragic events are taking place in this world I use your online website that is available as you state and all calls are long wait times. I can not be successful with no tools / nothing but hassle and making my credit score worse. So I disputed 3 Things on XXXX XXXX and all were removed so it says. They were wrong and fraudulent and not right that people and places can have that affect on my life. 

Additionally XXXX XXXX XXXX who declined me is reporting non payment or late which isnt true and also reporting 2-3 times a month. They can not do that nor can this be allowed to get placed on my credit report. There are so many others things there are wrong and I have no time left now. I have tenure / loyalty with one leasing company for 19 yrs. being XXXX AND XXXX and therefore I willl not get approved anywhere else and they are the only ones I have a chance with. I have a loan modicadok in process my mortgage was sold last year and it states my lender has been my lender since XXXX and Im sorry jt was XXXX XXXX until XXXX So Im on hold not wanting to call and bother your employees but for tbe 4th day its been over 1 hour and I am sick and cant do this anymore. So I have a dispute that there was no space to even write details so you are investigating a dispute without details as I could write 2 sentences. I wrote I needed to add it so it can be done legal and accurate but I cant because of your site and yet I dont get a call or email? I dont have time to write a big long letter and make copies and get to you and wait who knows how long. I will have turned it in without a car and pay all the the Turn in fees yet as I always have I lease right away and those are waived. This is so wrong.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (VA)

Dear Sir or Madam, I upgraded the chase checking account last XXXX to sapphire account with Chase to get the {$1000.00} coupon as they advised that if the balance maintains {$75000.00} for 3 moths on a sapphire account, we can get {$1000.00}. It is already 5 months I still didn't see the {$1000.00} coupon. By talking to customer service, they said because I only deposited {$72000.00} and the remaining {$3000.00} is a roll over from the old account and didn't been counted as new money. However, I was instructed by the chase branch banker that she upgraded my checking account, told me to write a check for {$72000.00} instead of {$75000.00} and promised me that I was all set. Now chase refuses to pay me {$1000.00}. To my understanding, it is Chase 's fault that they didn't train their employee well and misguided me. I shouldn't be the one to take the loss. Please help me with the issue. Thank you very much and I really appreciate it! 

Thanks!
Consumer complaint received 2020-03-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lil' Wave Financial, Inc. (FL)

I just want to bring a topic and make sure is legal, I have a loan ( hard money lender ) with superior loan servicing, I called them on friday to see if they had an option offered for people that currently got affected with this pandemic and they answered that my loan is considered a " commercial loan '' and there is noting they can do, and they are not offering any relief. 

I'm wondering if this is legal and if I'm reaching out to the right place Kindly let me know Regards XXXX
Consumer complaint received 2020-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (NV)

Hello, I'm not turning to the CFPB to aid me in finally recovering from this nightmare. I'm being asked for {$430.00} for a hospital bill that does not belong to me. I have not been to any hospital and ever since XXXX, me and my local police department have been trying to remedy the situation. 

I'm not sure what's going on, but I've gone back and forth with the hospital. Following sending them my I.D . and documents, they ceased to respond. What's going on now globally does not make this any better. 

Please aid me in recovering from this tragedy! At this point I am just ready to sue the bureaus and collectors involved. I've reached out to the creditors as well as to the bureaus. What 'was incorrect ' was removed, excluding this 1 creditor. I did send a certified letter with tracking in XXXX. And aside from that, have sent it to the bureaus. 

Please remove this ridiculous account from my credit report immediately. It's such a ridiculously small amount, if it were mine I would've paid it! I base a salary of {$70000.00} a year. This is NOT my account!
Consumer complaint received 2021-06-18
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. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

On XX/XX/XXXX I called XXXX XXXX  and headquarters. I explained that I had a error on my credit report due to an account open on XX/XX/XXXX for XXXX XXXX. XXXX representative looked into the matter but couldn't fine an open account for that date. so I was transferred to fraud and from there they managed to fine the account open on XX/XX/XXXX. XXXX XXXX fraud department then transferred me to a company called ''Convergent '' to dispute the open account that amounted to {$1100.00}. however, Convergent then transferred me back to XXXX XXXX fraud department and no matters were taken care of. I called XXXX credit bureau for 2 days with no form of a live representative. XXXX XXXX did inform me that the SSN on the open account does not match my own SSN and a different  address is used in the open account.