davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

I signed a contract on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX ) who represented himself as a businessman capable of building an XXXX storefront with the purpose of generating passive income via buying and reselling merchandise. He had been recommended to me by an individual ( XXXX XXXX XXXX ) who charged me a sum of money to open several credit card accounts with the purpose of funding the construction and purchase of goods. They charged me a sum total of {$35000.00} on XXXX different credit cards and stated the store would pay for itself in less than 12 months with monthly deposits of a XX/XX/XXXX profit split. After the above I was instructed to communicate solely via a XXXXXXXX XXXX XXXX XXXX XXXX  and no longer phone or text. After several communications over a month to XXXX weeks, there was almost no communication from them, I started to ask for updates, with no response. At approximately 3 months in I was getting extremely anxious and asked for information, at which point I was told they were working on it and no need for me to contact them. After a few back and forth communications over the next XXXX months, I realized that I was not getting through to them and had nothing yet to show for my time or money. At this time I resumed calling, texting, and left some pointed messages with XXXX. He finally returned my call in XXXX at which time I stated that I saw no evidence of accomplishing what I had expected. He could come up with no credible reason for the lack of achievement, and I told him in response that I was not interested in pursuing this further and desired my money returned to me. Since that time I have called, texted, written letters and communicated via the XXXX XXXX more times than I can count, to no avail. XXXX of the selling points in all of this was low or XXXX % interest on new credit cards which would allow time for profits to erase debt. That option had already been squandered. I can only guess that I was part of a scam or an extremely poor operation which has left me debt ridden and from which I never received any benefit whatsoever.
Consumer complaint received 2018-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Recovery Solutions, Inc. (FL)

they keep collecting on a debt that is not mind i never rented a car from the dealer is all fruad i wrote to them told them i disputed this debt and there still refusing to send me proof they claim that they have an invoice which is not mind i never signed anyting with these people
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2022-11-25
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. (GA)

I sent a letters to the credit Bureaus to deleted the inaccuracies and misleading information 's in my credit report on XX/XX/2022 and until now they are not yet removing the listed accounts i want them to remove it because it is affecting my credit score
Consumer complaint received 2016-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I regularly receive calls from " Portfolio Recovery '' regarding a XXXX XXXX XXXX debt. I have previously verified with them that the last XXXX of the SSN they have on file is not mine and that the names do not even match, but they continue to call, including on a weekend morning ( today XXXX XXXX, 2016 ) before XXXX, waking my household. The supervisor today was " XXXX XXXX. '' They have clearly failed to demonstrate even a modicum of due diligence in confirming that the phone number they continue to call matches the name and SSN of the person they are attempting to contact, even after being informed of this.
Consumer complaint received 2022-05-05
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: Convergent Resources, Inc. (NC)

In accordance with the fair credit reporting act Convergent account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/21, I filed a CFPB complaint XXXX stating that this company had not responded to me after an entire YEAR. So almost another whole year has gone by, and I've yet to hear from them. I found a settlement letter online, and although I do not acknowledge financial responsibility for this debt, I offered a settlement. Still, Portfolio hasn't responded. Why is that, and what information have they provided the bureaus saying the account is verified? Portfolio Recovery 's lack of due diligence has been stressful and I've been denied credit!
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (KS)

For over A YEAR now I have been emailing and trying to call Nelnet regarding my student loan account being incorrect. No one has answered me in a year. I finally got a hold of someone about 5 months ago after being on hold for 4 hours, they said that their accounting department would look into it and get back to me... they NEVER GOT BACK TO ME... .I finally gave up and filed a complaint with Consumer Finance Protection Bureau . Nelnet took about 2 months to reply that they would look into it. Then finally I received my very 1st response from Nelnet after 1 year of trying to get a hold of them. 
The correspondence is attached that states they would void the duplicate checks that were sent to me and I DID NOT CASH THESE DUPLICATE CHECKS AS INSTRUCTED BY NELNET OVER 2 YEARS AGO ... .THEY SAID AFTER THEY VOIDED THESE CHECKS ON XX/XX/XXXX THAT THEY WOULD FIX MY ACCOUNT ... .IT IS NOW XX/XX/XXXX AND NOTHING HAS BEEN DONE... MY ACCOUNT IS NOW IN REPAYMENT STATUS AND IT IS DOUBLE WHAT IT SHOULD BE AND INTEREST IS BEING CHARGED ON DOUBLE WHAT THE AMOUNT OWED SHOULD BE ... .i CALLED AGAIN TODAY AND ACTUALLY TALKED TO SOMEONE AND ONCE AGAIN WAS TOLD THAT ACCOUNTING WOULD CHECK INTO IT ....
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX, XXXX its show XXXX days late I traded my car in to XXXX XXXX XXXX in XXXX XXXX and they made they paid my remaining balance off late I want it removed
Consumer complaint received 2017-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hunt & Henriques (CA)

The process server phone # is registered to Hunt & Henriques, see attached XXXX XXXX listing. It should be illegal to misrepresent using a process server that never existed and is in fact registered to them. 

Also highlighted is the name XXXX XXXX in their response, which is not me. 

I was NEVER served by them.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (IL)

I am very frustrated with American express. American Express customer service is horrible. I just opened a blue cash everyday credit card account few weeks ago ( in XXXX 2015 ), and then I received a pre-approval mail today for the same Amex Blue Cash Everyday credit card with a better promotion offer ( {$150.00} cash back bonus instead of only {$100.00} bonus ) under my name and the same home address of mine. I called to ask if they can grant me the promotion of the mail that I received since my credit card account is relatively new ( only a few weeks old ), plus I received this mail offer ( with the same credit card product ) from them directly. After over an hour repeatedly explained and waiting due to I was being transferred around to different departments and agents for several times, and then only got an answer from a supervisor ( agent ID XXXX ) basically saying sorry, a bad luck. I even tried to contact American express via other social media, such as ask Amex on twitter, and they informed me that there is no direct email that I can contact regarding my concern, and they can not do anything. I was extremely upset and frustrated with their service. I just do not understand why they advertise me a promotion offer that they can not grant. What is the point of advertising / sending me an offer IN MAIL to me directly ( with my name and address on ) for a credit card product that I just obtained ( exactly same credit card product ) few weeks ago, and then told me there is no way for me to receive such promotion. This is ridiculous. 

I still have the physical copy of the advertising / promotion mail that I received, and I will keep it for further actions if it is needed. 

Thank you so much for the help.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NE)

I have applied for the XXXX program several weeks ago. I tried logging in today to see if my payment plan is approved but the app is down, the desktop site is down, and I have been on hold for over an hour with no response with customer service. Their lack of response is going to cause me to miss my payment period. I have tried on two other occasions to check progress of the application but the site seems to think they never received my application.
Consumer complaint received 2017-09-07
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. (MA)

I had an open mortgage loan with XXXX XXXX XXXX XXXXFin Acct # XXXX reporting date XX/XX/XXXXand an open date XX/XX/XXXX. XXXX XXXX XXXX is reporting that I had a loan with them open dateXX/XX/XXXX. ( Fair Credit Reporting Act Violation ) How can I have two separate mortgages open around the same time in two different States?
I never had a mortgage with XXXX XXXX XXXX at no time in my entire life. I have enclosed my supporting documents to affirm the claim that XXXX XXXX XXXX repeatedly violated the Fair Credit Reporting Act as the Federal Fair Credit Billing Act. XXXX XXXX XXXX is also have been and currently involved in various Federal lawsuits for violating The Fair Debt Practices Act ( SECTION 1692/UNFAIR PRACTICES ).
I am a victim of their unlawful credit reporting and I humbly request the set mentioned account be permanently be removed from my credit report within 24 to 48 hours. I have included in a appendixes A, B, C, D AND E documents to solidify that the set forth credit XXXX XXXX XXXX account should be removed from my Equifax credit report.
I have always maintained an excellent credit rating and this incorrect account is hurting my credibility and demanding mu character.
Consumer complaint received 2023-06-13
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. (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. 
XXXX XXXX, XXXX XXXX, XXXX 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.
Consumer complaint received 2017-09-08
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 contacted the credit bureau and XXXX XXXX XXXX regarding an error or my credit report. I received a notice from the credit union. The entry on my account reports as a charge off. This is incorrect and there was no balance. I request this entry is deleted entirely from my credit report.
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I have disputed this item multiple times but have not been successful with getting the file update. HSBC is reporting as a charge off but sent me a letter advising that the account was sold to another company. If this is the case my file should have been updated to report transferred. For five years HSBC has reported incorrect information. I have disputed this file numerous times with XXXX but have not been successful with getting this account to report correctly. Per the FCRA if an account is sold or transferred you can not report the account as a charge off. This reporting has affected my credit in a major way and has caused me to be denied time after time for new credit. HSBC and XXXX should be repsonsible for all damages caused due to there failure to report accurate information.
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (PA)

To : Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-05-05
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. (IL)

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 2017-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Preferred Collection and Management, Inc. (FL)

I recently applied for credit and discovered that I had been sent to XXXX XXXX XXXX XXXX XXXX out of XXXX, Florida for what was originally {$86.00} and now an {$87.00} debt. 

I was never advised nor given the opportunity to dispute the medical claim which XXXX  records reflect was assigned back on XX/XX/XXXX and the first day of delinquecy was XX/XX/XXXX. 

I have disputed this dept via XXXX and they advised me that XXXX XXXX XXXX XXXX sustain the debt because the " name and address provided are still the same ''. 

I am attaching a copy of the written letter of dispute being sent via certified return receipt requested. 

Furthermore, in the state of Florida, the Statute of Limitations for a written contract is five years XXXX ( 2 ) ( b ).
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2022-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

send anything this time because I wasnt trusting of his intentions anymore. Within a few business days I was notified by my bank that these checks that were deposited were fraudulent. I immediately called my bank and explained everything with as much detail as I could about this man. He provided a phone number to me recently asking for me to send {$400.00} because his bank account is locked. At this point I definitely know that this man is not who he says he is. I acted along asking for a number that he could provide to me to do this transfer he gave me the number belonging to an XXXX XXXX ( XXXX ) XXXX. Which I had not used to contact at all because of the situation as I am trying to obtain the most information from this person without creating suspicion that I am aware of his plans. I did call my bank account filing a claim and will contact my local authorities about this crime. This is the most I am able to obtain from the conversation I have had with XXXX XXXX. All through the social media application XXXX.
Consumer complaint received 2017-09-08
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. (KY)

In XX/XX/XXXX I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with XXXX, XXXX, and Experian. I even submitted a letter from the XXXX XXXX court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (AL)

I opened a " charge card '' with XXXX XXXX. The deal is you pay an annual fee, but there is no interest on the account at all because you are required to pay it in full every month. I love this because I do not want to support the credit card industry since it is so vicious and gets people in debt. I myself have never had any debts problems before, but in general do n't like the idea of debt or other people having debt. I thought this " charge card '' was a novel idea and the middle ground between a debit card and credit card. Well after having the " charge card '' for a little over 2 months they add a " Pay it Later '' option which is effectively making it a credit card. Why does this company ruin a good thing? A charge card should be a charge card and a credit card a credit card. I feel deceived that the account I opened and was happy to be forced to pay in full is now encouraged me to Pay It Later and is just another credit card. Completely twisting what the charge card is.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

I entered into an SBA loan in XXXX of XXXX in the amount of {$350000.00}. The loan facilitator was XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL. In XXXX of XXXX I filed XXXX XXXX personal bankruptcy and lost my business. In XXXX of XXXX the bankruptcy was discharged. After a couple of years of grinding I was able to salvage my credit. I sold my house and entered into an agreement for a construction loan with XXXX XXXX XXXX in XXXX Arkansas. They pulled my credit report and other than the bankruptcy showing up, it was fine. We knew the Bankruptcy would be there. We entered into an agreement for construction in XXXX of XXXX. XXXX of XXXX I get a call from XXXX XXXXXXXX XXXX  asking if I had taken out an SBA loan. I said no, but I had one that was included in my bankruptcy. They advised that the SBA has reported an outstanding debt on my report. I began the process of trying to have that removed from my report because it was included in the bankruptcy. After months of no satisfaction, XX/XX/XXXX I retain my bankruptcy attorney to assist. My attorney contacted SBA and was told that they can confirm it was a mistake and it would be rectified on the next reporting cycle. It was never rectified. We attempted to contact the SBA again about it, but our contact is not responding to us. XXXX I submitted a formal complaint to the bureaus. The results came back as accurate. Knowing its not accurate on XXXX I uploaded the supporting court documents and submitted them online and by regular mail. It wasn't long after that that the report was corrected. Then in early XX/XX/XXXX I received notice that derogatory reports had been made to my report. I looked it up and the SBA had AGAIN reported the loan as outstanding. On XX/XX/XXXX I submitted my dispute with the documentation and again it came back as accurate. It's definitely not accurate. I think the mistake is in the fact that the facilitator XXXX XXXX XXXX and the SBA used different account numbers for the same account. It's probably internal only for them but it's causing me problems. I need this removed from my report as it was most definitely included in the bankruptcy and XXXX XXXX of XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (WA)

STATE COLLECTION SERVICE at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Wi XXXX has been sending me collection notices in the amount of {$200.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.