davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Hello, I recently moved to a new address in the summer 2018, after applying a new credit card at Chase, they just closed all my wife 's and my credit card accounts with them. My wife and both have excellent payment history with Chase and other financial institutions, and my FICO score is always around XXXX. We never missed a payment and use our cards as normal everyday use. So we totally don't understand how they make this decision. 

Thank XXXX XXXX
Consumer complaint received 2022-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (VA)

My gap coverage sent Truist a check to pay off the loan, there was money left over to be refunded to me. Truist cashed the check and kept the money that was to be refunded. I've submitted complaints and Truist responded they didn't receive the check. The gap company sent me proof that the check was cashed by Truist bank, so their response that they didn't receive the check is a lie. 
I have everything Truist sent me denying that they received the check, I also have proof they cashed the check in XXXX. 
I now want to discuss damages in the form of mental anguish, and inconvenience for the past 3 months.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (TX)

I recently submitted a request for an INVESTIGATION of this account, and they treated it as a DISPUTE. I never gave written consent for this account to be furnished on my credit report. Therefore my rights have been violated. They closed the INVESTIGATION with the excuse that the creditor verified the info was right, but how could it be right if I never gave written consent for this account to be furnished? Also I dont believe their INVESTIGATION was done right, as they were calling it a dispute, Im not disputing the information Im telling you that the information should not be furnished because I did not give consent. 


In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2018-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo at the XXXX XXXX in XXXX sc opened a bogus account. XXXX XXXX was the banker. When the credit card and statement arrived there was no balance associated with it. We called to complaint to the manager and he denied this practice this was late XX/XX/XXXX-XX/XX/XXXX they took advantage of a XXXX XXXX.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2018-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Someone wired me money to get back and forth to work on this day i thought my funds would be available in 24 hours now i wont be able to make it to work i have no cash all my money is on the card this is the reason i dont deal with banks I'll rather have cash its always a issue with these banks people work i cant even go into the bank because they dont open on weekends this is some straight XXXX
Consumer complaint received 2019-03-22
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. (CA)

I spoke with barclays in XXXX and XX/XX/2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XXXX this still was not removed and reached out to XXXX. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XX/XX/XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!
Consumer complaint received 2018-12-08
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)

Credit bureaus refuses to send me the requested documentations they are using to verify accounts with questioned accounts. according to fcra 611 ( a ) the credit bureaus were required to forward me all the relevant information provided from the creditor for their investigation of my dispute.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit bureaus refuses to send me the requested documentations they are using to verify accounts with questioned accounts. according to fcra 611 ( a ) the credit bureaus were required to forward me all the relevant information provided from the creditor for their investigation of my dispute.
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CA)

I discovered the identity theft and notified XXXX XXXX XXXX on XXXX XXXX. After several months and contacts, I received a notice from XXXX that it is a fraudulent account and was closed. Today XX/XX/2022, I received a notice from a debt collector MRS BPO LLC that they are trying to collect {$200.00} on the account.
Consumer complaint received 2020-12-15
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. (IL)

ve been contacting the credit bureaus for XXXX months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Credit bureaus refuses to send me the requested documentations they are using to verify accounts with questioned accounts. according to fcra 611 ( a ) the credit bureaus were required to forward me all the relevant information provided from the creditor for their investigation of my dispute.
Consumer complaint received 2021-09-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I have previously submitted several complaints with each bureau due to their lack of investigation or none AT ALL. At this point each bureau is in extreme violation and I am keeping stellar record of this and will be taking legal action if not resolved with a consumer attorney. Please refer to the previous disputes filed under complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX smart sales and XXXX XXXX and XXXX is reporting different last active dates which is causing this account to re-age and this is a major violation and its being ignored. This needs to be removed immediately. 

XXXX or XXXX XXXX has not even been investigated AT ALL removed this are face legal action. Remove immediately. 

Please consider this my written authorization and attached is proof of my identity.
Consumer complaint received 2018-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor's Collection Service, Inc. (VA)

At issue is this CREDITOR COLL SVC # : XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. 

Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$510.00} Date Updated : XX/XX/XXXX Original Amount : {$410.00} Original Creditor : XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< I have never been a patient or a responsible party of a patient of XXXX XXXX. I have called this company several times and nothing was accomplished. I have called the collection agency and nothing was accomplished. I challenged this collection and they verified as accurate an account and collection in which I have no responsibility for as I have never been a patient. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CREDITOR COLL SVC # : XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-12-08
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 am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-03-24
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: LEXISNEXIS (MI)

Date : XX/XX/XXXX LexisNexis Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, and 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 2023-03-24
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2022-06-14
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: CarMax, Inc. (GA)

CARMAX AUTO FINANCE is reporting an account as a charge off to my consumer report causing defamation to my character. CARMAX AUTO FINACE has filed a 1099C Cancelation of debt with the IRS for this account and is attempting to collect the same amount they wrote off from me on a written off debt that they were paid for. This is tax fraud and I will report you to the IRS. The IRS defines a charge off as income and income is NOT reported on a consumer report. Also the CODE OF FEDERAL REGULATIONS 7 CFR 1956.54 states that a charge off is : The writing off of a debt and TERMINATION OF COLLECTION ACTIVITY without release of personal liability. CARMAX AUTO FINANCE is attempting to extort me my furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.
Consumer complaint received 2018-12-08
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: DISCOVER BANK (CA)

Please I would like to re-submit a new complaint against Discover Credit Card.Please read the previous complaint # XXXX Their response didn't address my complaint at all about : " The phone call I made contacted Discover Credit card Services on XX/XX/2018 I spoke with a Supervisor name XXXX about my dispute with case # XXXX She asked me to get documentations so Discover can look this documents and investigate the dispute I told her I will submitt Documentation in regards along with the pictures of the Damaged Merchant Caused in my vehicle while Providing the Towing Service, She said to me if the Merchant caused the damaged Discover may deduct the services the merchant charged you off the estimate you present it, So thats what I did I submitted on line the letter, bodyshop estimate and pictures of damaged in my vehicle ''. 

* The phone call I made on XX/XX/2018 it was to add additional information in regards the ongoing dispute as it was my undertanding, and the supervisor XXXX said was ok she never said to me why I didn't submItted originally when I initiated the dispute, or your dispute its closed as this representative XXXX XXXX stated.
Consumer complaint received 2018-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (FL)

I contacted Credit Management LP on XX/XX/2018 to pay a debt that had shown up on my credit report in the amount of {$580.00}. While on the call the collections agent said that the debt could be settled for a payment of {$380.00} which I agreed to and paid immediately. When speaking with the agent before paying I confirmed that if I paid the debt I would receive an immediate letter or email stating the debt had been paid. The agent said I would receive a letter stating the collection had been paid within 24-48 hours. One week later I called again and a different agent told me that the account was on hold and it would take 72 hours to be corrected and that I would need to call them again to get the letter stating the debt had been paid. I called on XX/XX/2018 as the account was still being reported as in collection and I had not received a letter stating the debt had been paid. The " manager '' told me he was going to escalate the issue and I would receive a debt settlement processed and get me a letter in 72 hours. I called again XX/XX/2018 as the debt is still showing as in-collection and I had not received a letter or email stating the debt had been satisfied. This company is failing to report the collection as paid and has not set me any letter or communication to show the debt has been paid.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

This is a recurring problem with the bank I have the credit card connected to, Comenity Capital Bank XXXX XXXX XXXX XXXX Card. I keep getting late fees every time I pay after XXXXXXXX XXXX, and the company refuses to cancel the fees, although the payment is still done the day it is due. 

I live on the Eastern coast of the U.S., in XXXX XXXX XXXXXXXX, and I am still at work or commuting by the time the payment is due. Further, this bank has changed the due time about two years ago, in XXXX or XXXX, making it harder for me to submit the payments during their required time -the due time used to be by XXXXXXXX XXXX While the due time was later in the evening, I hardly missed a payment. 

Lastly, I have been charged late fees on XX/XX/XXXX in the amount of {$37.00} on this credit card and on another card, a XXXX XXXX XXXX that I have from the same bank, Comenity Capital Bank. Paying {$72.00} in fees only for this bank is too much for someone me, since I am paid by hour. I would like to have both fees credited. I would also like the bank to switch back to the old due time that was by XXXXXXXX XXXX on the due days. 

Thank you.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

I opened a Business Account with BB & T Bank in the name of XXXX XXXX XXXX XXXX. I had a business partner who had an authorized debit card and access to the account. The partner used the card and account for personal use and the account was charged off. The business Account was open XX/XX/2019 2019