davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to file a complaint against Bank of America for failure to respond to my dispute within the 30-day period as required by law. My attempts to resolve inaccuracies on my credit report have been ignored by Bank of America, and I am now seeking your assistance to address this issue. 

On XX/XX/, I sent a dispute letter to Bank of America requesting a correction of information that appears on my XXXX, XXXX, and XXXX consumer report. The dispute was related to inaccuracies surrounding the payment history and bankruptcy comment. I had hoped that my dispute would receive prompt attention and resolution from Bank of America. However, after several weeks, I have yet to receive any response or communication from the bank.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

There are three inquiries on my Equifax Consumer Report that I did not authorize to be there. I did not giver Permissible Purpose! The Inquiries are listed below : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Good morning CFBP, This complaint is against XXXX and EQUIFAX. these two companies are not removing items that are 7 years old or older. I have already been the pain and suffering because of the long strenuous communication to get this removed. This is hurting my career as an XXXX XXXX Member of the XXXX XXXX, where I am possibly looking at some adverse actions over something that I did 7 years ago when I was married to my kids mother. I have made many mistakes, like many have done so- but i have since been trying to my best to do better for family and my career. I really hope that the CFBP can tell XXXXEQUIFAX remove these accounts as soon as possible. that is all, thank you for your time.
Consumer complaint received 2016-02-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: N.A.R., Inc. (TX)

I sent a letter with Texas State guidelines for debt validation and received no response. I contacted XXXX and reminded them that the FCRA states that all debts that have n't been properly validated must be removed from the report until the debt can legally be verified. XXXX has continued to willfully violate the FCRA by reporting this debt without proper validation. North American Recovery also continues to violate the FCRA for not validating the debt as per Texas XXXX Code by providing the documentation that is required by Texas law. I sent them a copy of the criteria and they are willful non compliance with the FCRA as well.
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (TX)

My car is in repossession status and a government entity is trying to consider helping me to make the payment since Im a student in the WOIA program through the TWC. 

American Credit Acceptance is denying me access to information about my account and denying the Texas Workforce Commission the letter that they need about my repossession as well as any account information to try and get it out of repossession status. 

Theyre denying me the right to get any information to try and get the car paid current and out of repossession status. 

Please intervene so that I can try to get this resolved. 

Thank you
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

XXXX XXXX reporting ( 3 ) late payment I have notices on my credit report with XXXX, XXXX, and XXXX. Which dates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not been late, my student loan was in forbearance at the time. In XX/XX/XXXX I called in to update my personal contact information such as my new address, phone number, and my new phone number as well. They didnt not put it there system like they should have. I had no idea I was late & my loan was not in forbearance until I pull my credit report & seen that my account was late. This is not my fault, they should have updated my contact information when I request it to be over the phone with an XXXX customer service agent. So they had no number on file or email nor a correct address on file for me. So I called XXXX XXXX multiple times about my account with those late payment. I ask them several times to correct this information, because it is hurting my credit scores. They refuse too. So then I spoke to their XXXX XXXX / AES attorney XXXX XXXX XXXX XXXX, XXXX. He explain to him my story, he told me that they will look into it & correct the late payments on my account. I have not heard back from him. I been speaking to their attorney from months since XX/XX/XXXX. They have not correct those late payments yet. This becoming very aggravating & I feel like they are taking a vantage of me. I wrote letters, made phone calls too them, even spoke to their attorney as well, and they still fail to fix this issue.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (DC)

Federal Loan Servicing reported I had 11 late payments, and all were 120 days past due in XX/XX/XXXX. However, if you look at my payment history, it reported on-time payments in XXXX, XXXX, and XXXX of XXXX. I didn't have late payments because my account was in forbearance. 

I've disputed it with Federal Loan Servicing and XXXX, and XXXX. I asked for one-time late payment forgiveness, explained the loans were in forbearance, therefore they could not have been more than 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XXXX XXXX, XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MD)

I sent a dispute to all 3 credit bureaus to remove a medical bill that is less than {$500.00} from my credit reports and they have not removed the debt nor closed the dispute. The dispute has been open and ongoing for several weeks now.
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Greenberg, Grant & Richards Inc. (CA)

XX/XX/2022, called repeatedly from then on once a day. 
Then received a call from a " Private Investigator '' hired by the company to come to my home and assess my assets as well as place of business etc. 
I had my attorney call the number back of the " private investigator '' to no answer. 
Sent in two certified letters via mail asking for the stop of harassing phone calls and to provide info via mail as to why they are contacting me as well as provided a no trespassing form and letter advising this company that any outside hired associate or any associate was prohibited from stepping any where near my private residence or any place of business. XX/XX/XXXX they have disregarded. They repeatedly call from different ghost /spoof numbers including the " private investigator ''.
Consumer complaint received 2020-09-16
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. (MN)

The following credit inquiries thats currently listed on my Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, and XXXX XXXX XXXX XXXX XXXX, XX/XX/20.
Consumer complaint received 2020-09-16
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. (MN)

This is XXXX XXXX filing and submitting this complaint. The following credit inquiries currently listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX  XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX  XXXX XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX XXXX  XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX, XXXX, XXXX  XXXX/XXXX, XX/XX/20 XXXX XXXX XXXX, XX/XX/20 XXXX XXXX  XXXX/XXXX, XX/XX/20, and XXXX  XXXX  XXXX  XXXX XX/XX/20 XXXX
Consumer complaint received 2020-02-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CA)

In early 2019 I borrowed {$250.00} with {$50.00} interest. for 30 days. I finally repaid it in XXXX the whole {$300.00}. The company attempting to collect is XXXX XXXX XXXX They have made many threats to collect even though I have informed them that the debt has been paid. They are now saying I could owe as much as {$6300.00}. It appears that they are active trying to do the same thing against others.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Kohl 's offered me the opportunity to delete the debt from my credit report and settle for 60 % off the original debt amount Kohl 's account # XXXX, if I paid the following settlement amount {$1000.00} on XX/XX/XXXX. I XXXX XXXX paid {$1000.00} on XX/XX/XXXX with my XXXX XXXX Debit card. My Kohl 's payment confirmation number is # XXXX. I contacted Kohl 's Department Store Collections today on XX/XX/XXXX because they still erroneously showing a remaining balance of an additional {$630.00}. This is an error. I have settled this account on XX/XX/XXXX and Kohl 's agreed to delete the account from my credit report after the settlement amount of {$1000.00}. was paid. I am filing this complaint because Kohl 's is now telling me they will not delete the paid account from my credit report and that I still owe a balance and that is wrong and fraud. Can you agency please assist me with having the collection account deleted from my credit report Thank you XXXX XXXX
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

To say the very least Ladies & Gentlemen, I am completely disgusted with the response and follow up from Discover. I can not believe that the financial entity that calls itself the warm & fuzzy financial institution, did not respect my, more than decent response to them arbitrarily closing my account. That was, by the way in perfect standing, never a late payment, and a XXXX   balance. After even explaining that my parents both died within a close time frame, they still choose to not be decent with me, by any stretch of the imaginable common sense. I am therefore, again asking for your help in following up on this issue. The only reason that they gave me was that because I had not used it, there was a risk of it being lost or falling into the wrong hands. To say that is the most RiDICULOUS reasoning I have ever heard is an understatement. Nothing of the sort ever happens or was ever going to happen. I keep all the cards that I dont use regularly in a safe. I would ask that you please help me restore and resolve this issue in a timely manner. I great appreciate your services and what you do for the US citizen. BTW, my dad that died, was a meme we of our nations greatest generation. He was a XXXX XXXX XXXX veteran ( XXXX XXXX ). Seriously, please help me fix this ridiculous issue. It is disgusting and disrespectful to say the least. Lastly, I thank you in advance for your follow up and attention to this matter. 

With Respect & Kind Regards, Sincerely Yours
Consumer complaint received 2020-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I received an email earlier this week from PayPal that my account was going to be closed and that funds that were available in my account were going to be held for 180 days before I was going to be given instructions on how to withdrawal. There was no reason given about why it was being cancelled only that I had violated the terms and conditions. If they want to cancel my account that is fine however I dont believe my account violated anything part of the terms. My money however should be returned to me promptly I cant wait 6 months for them to decide to release my money. I attempted to call PayPal but their customer service is not available I cant communicate with them any other way due to the restrictions placed on my account.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Multiple unauthorized inquires on credit report violating the Privacy Act of 1974 as well as 15 USC 1681 B. Proof Information was unauthorized to the dark web. 

XXXX : XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XX/XX/XXXX ). 

Experian : XXXX XXXXXXXX XXXX ( XXXX XX/XX/XXXX ), XXXX  ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX XXXX  ( XXXX XX/XX/XXXX ) XXXX : XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX  ( XXXX XX/XX/XXXX ) ALL ARE UNAUTHORIZED AND AREN'T ATTACHED TO ANY OPEN ACCOUNTS
Consumer complaint received 2023-03-31
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. (IN)

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 ( original creditor : XXXX XXXX XXXX  XXXX ( XXXX ) - XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX ( XXXX ) 15 USC 1681 sec . 602 A states I have right to privacy.

15 USC 1681 section. 604 A sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) sec. 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 7 years.

15 USC 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 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Greenberg, Grant & Richards Inc. (OK)

XXXX, XXXX, XXXX XXXX XXXX XXXX, a XXXX, Texas, based debt collection company ( hereinafter " GGR '' ), and their representative/employee, XXXX XXXX XXXX have engaged in a consistent and repeated effort to collect on a claim against me for which I do not owe, and they have direct means of collection. More specifically, GGR 's client claimed to have inadvertently paid my property taxes on a property I own. GGR claims this payment was made as a result of a scrivener 's error. To date, GGR has made absolutely no effort to correct this improper payment from the County Treasurer and allocate the payment to the proper parcel. I contacted the County Treasurer, who confirmed that no requests for reimbursement were made. I confirmed that the Treasurer will immediately issue a refund on account of mistake if asked. I advised the Treasurer that I have no objection to the issuance of a refund on the account if asked. I submitted to GGR and XXXX XXXX a written statement attesting that I had no objection to their refund. I then asked GGR to cease all further communications with me during business hours, as my employment has suffered from the repeated efforts at collection. GGR refuses to seek reimbursement, demands I pay them funds directly without providing any assurances that it will not then simply obtain a refund of the funds from the Treasurer, resulting in double payment to GGR and me being liable for a double payment. GGR continues to call my work number during work hours, and did so on XX/XX/XXXX and XX/XX/XXXX, and I anticipate it will continue calling weekly. GGR has threatened me with legal action and the filing fo a lawsuit on equitable grounds despite its client possessing a readily available legal remedy. XXXX XXXX was flippant about my above concerns, demeaning and unprofessional during my telephone conversation with him.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AL)

XX/XX/2023 I made an opening deposit at Citibank, I utilized the mobile banking deposit feature. I deposited XXXX XXXX XXXX money orders in the amount of {$500.00} each. On XX/XX/XXXX I woke up and find the checking account had been restricted. When I called customer service I was told the account had been referred to the fraud department for possible closure. I was transferred to the fraud department and assured when the money orders cleared my account access would be restored. 

XX/XX/XXXX, I could not log into my online account anymore at all. I called customer service and was transferred to fraud and told my account had been closed. The reason I was given is that the money orders had been altered ( they hadnt ). I spent multiple hours on the phone and was told my only option to possibly have the account closure rescinded was to go to a Citi bank branch ( a XXXX XXXX XXXX from where I am, or a flight ) and bring the money orders and receipt to prove the funds are valid and they will consider rescinding the closure. 

I have called XXXX XXXX personally and verified the funds were deposited at Citi with a date of the XXXX. Citi is telling me it takes 6 days on their end to know if the funds from money orders will clear or not. But they closed the account after 2 days and their only solution is for me to fly to a branch and they might reconsider account closure? 

Ive spent multiple hours on hold for a supervisor and I have asked for supervisor call back - no one beyond entry level employees have spoken with me!
Consumer complaint received 2020-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Today at XXXX I called Nissan Financial to ask for past due payment and the upcoming payment moved to the end of the loan. I had a guy who refused to give me his name and was very hard to understand. I explained to him for him to submit my request and he asked me right away why? I replied because of covid19 my hours have been reduced at work and I am only part time right now. He said well I can only move one payment to the end of the loan and I said but my next payment is around the corner. Then he said that he was going to report me to the credit burea for not paying car loan. From my understanding late fee during covid19 are being waved and late payments are not being reported because of covid19. All that I asking is for my past due payment and payment due on XX/XX/XXXXmoved to the end of the loan.