davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

ON XX/XX/2021 I sent in a debt validation letter which wasn't answered, according 15 USC 1692g which said I can ask for debt validation. 
my information was sold to CMRE which was a medical account from XXXX XXXX XXXX XXXX 
15 USC 1692d I was being harassed by this said company CMRE to pay a debt which was reported to my consumer report which harmed my reputation with others. 
account was paid but harm was still on my consumer report from this matter. 
pursuant to 15 usc 1692h if any consumer owes multiple debts and make any single payment to any debt collector with the respect to such debt, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the Consumer directions.
Consumer complaint received 2017-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On ThursdayXX/XX/XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IL)

XX/XX/XXXX - Opened a XXXX XXXX Checking account with BMO. Welcome Bonus of XXXX $ if cumulative XXXX $ direct deposits were made within 120 days. 

XX/XX/XXXX - XXXX $ direct deposit made XX/XX/XXXX- Confirmed with BMO agent on chat ( I have the transcripts ) that all bonus requirements were met and I would receieve the bonus on XX/XX/XXXX Before XX/XX/XXXX, the account has been closed without any notification and no bonus is receieved. 

XX/XX/XXXX - Reached out to support on chat and they say account was closed because there was no activity for 45 days. Asked me to call virtual connect center at XXXX to reopen the account and check status of the bonus. On call, I am told account can not be reopened and hence will not receieve the bonus. Requested to escalate this issue and was disconnected from the call by agent
Consumer complaint received 2021-07-03
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. (IL)

On XX/XX/2021, I wrote to the credit bureaus ( XXXX XXXX, Transunion ) requesting an investigation into items that I believed were inaccurate and unverifiable. I am in disagreement with the items shown on my credit report, and I requested that these items be re-investigated. 

Since this is my third request, I will also be sending a copy of this letter ( attached below ) to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. According to 15 U.S.C. Sec. 1681i ( a ), you are supposed to complete this investigation within 30 days of receipt of this letter. 

On XX/XX/2021, I once again wrote to the credit bureaus ( XXXX XXXX, Transunion ) requesting they reinvestigate my disputes since I have not heard from them and it has been well over 30 days. I understand that they are required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. As of XX/XX/2021, I have not received and update regarding my disputes nor an updated copy of my credit report. 

The credit bureaus are clearly in violation of 15 USC 1681i ( a ) as well as 15 USC 1681i ( 5 ).
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

It has been XXXX weeks since Equifax learned of a massive data breach. My data was among that potentially stolen. My state requires expeditious notification in the event of a data breach ( XXXX XXXX XXXX ), yet I have yet to receive any direct communication from Equifax. Further, my only recourse at this point is to freeze my credit file, a service the company CHARGES FOR! Equifax failed in its security obligations, failed in its notification obligations, and now seeks to profit off a disaster of its own creation. 

Please use whatever authority at your disposal to force Equifax to freeze credit for those affected, AT NO CHARGE. I would also encourage you to push for free credit monitoring FOR LIFE. Roughly half the adult population in the US was affected. A year of credit monitoring is an insult. 

Further, please encourage the Congress to look into instituting a National ID with multiple levels of authentication so we can finally move away from using SSNs for everything. 

Lastly, this industry should charge its fees on the inquiry side. Consumers should have year-round access to their credit profiles, and convenient dispute mechanisms. My credit report is full on inquiries from companies seeking to sell me services. They are the ones that should be paying, not me. 

Thank you
Consumer complaint received 2021-04-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

Re : Equifax In XX/XX/XXXX, I filed a Dispute with Equifax ( online ) through myEquifax account for a collection item placed from Debt Collector, XXXX XXXX XXXX ( herein referred to as XXXX ( see CFPB Complaint No : XXXX ). 

Original Debt of this case with XXXX XXXX was dismissed in XXXX XXXX XXXX XXXX on XX/XX/XXXX. Then, XXXX XXXX sold the Debt fraudulently to XXXX. On XX/XX/XXXX, I logged into myEquifax account to update my dispute by attaching the Notice of Dismissal. I notice right away there were several items wrong. I am a homeowner yet, my credit report summary reflects I have no Mortgage. In reviewing the tab collections XXXX does not show therefore, I can not dispute, update my dispute nor, submit my evidence. I went to the feature Disputes and nothing is showing? I called Equifax. I was connected to an Agent that could barely speak english. I tried to explain all that I had found wrong but, she was not understanding me, instead, kept repeating the same information that did not pertain to the issue of : Equifax online for my account is wrong, contains errors that is hurting my credit and I would like to speak with a Supervisor. The Agent kept arguing with me. Telling me I can just mail in the documents. I advised that I was not going to just mail in legal documents and, give her a statement while she enters my statement over the phone. It took five times of me asking for a supervisor before the Agent said Ill see if we have one, but I dont know Two hours and thirteen minutes later since I placed my call, I was speaking with a Supervisor. Another Agent that barely spoke english. I explained three times what the problems were but she was not comprehending the issue of : If Equifaxs online system is not properly working, I am unable to rightfully file a Dispute to fix my credit. Equifax has hendered me in my endeavor to fix my credit because I filed a dispute yet, they have no record of it. Equifax has failed in their duty to serve consumers in the capacity under the law in which credit practices state and that she was to delete my Account and all my personal information immediately and I would be filing a complaint against Equifax. 
Her response was, okay. She deleted my account and sent me a confirmation
Consumer complaint received 2024-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (AL)

XX/XX/24 phone message call my wife to report she urgent need to return the call to XXXX the number they called from was XXXX said his name is XXXX XXXX I called Freedom Mortgage they said they are no affiliates with the company with that name or either number, scammers have been hitting us pretty hard the last 2 months please advise us on this issue I hope I reported to the correct place my name is XXXX XXXX I am also on the mortgage and my wife is XXXX XXXX only I call her net. Thank you
Consumer complaint received 2021-08-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The scheduled auto loan payments automatically paid monthly through ebilling. The last payment was taken automatically but did not take the overage. The access amount and fee totally {$27.00} was waived but now it is showing up on credit bureaus report as late. I disputed to Bank of America and all three bureaus but Bank of America dispute department said it was accurate. I am unable to speak to someone directly to explain. I have never made a late payment and have excellent credit until this {$27.00} late payment is showing up after the account has been paid and closed.
Consumer complaint received 2019-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (NC)

After 40 months of continuous on-time payments through our XXXX XXXX XXXX to XXXX XXXX / XXXX, my husband and I decided to trade for a newer XXXX. There were no issues with financing because, as noted, never a missed or late payment. 

Since we traded on XX/XX/XXXX the first payment on the new bike was due XX/XX/XXXX. My husband paid, as standard, to the new account on XX/XX/XXXX. Unfortunately it apparently takes 5-7 business days for XXXX to receive payment from XXXX XXXX. Now, today XX/XX/XXXX. XXXX, barely 2 days after the first due date, my husband has received NUMEROUS harassing phone calls for the first payment. He tried to explain that it has been made through XXXX XXXX but just not yet received by XXXX. We also requested that the payment date be moved to later in the month ( say the 10th or 13th as that was our prior bike payment due date ) to avoid this situation in the future and allow time for XXXX XXXX to transfer funds. XXXX/XXXX will not accommodate this request and continued to harass us for a payment. I find this collection tactic appalling. And as a bank employee myself, I do know that until a payment is 30 days late, XXXX has zero collection recourse. We can provide documentation of the bankdraft on XXXX XXXX XXXX dated XX/XX/XXXX ( posted to the XXXX XXXX account XX/XX/XXXX ), but I will not attach via this method until someone from CFPB has contacted me directly.
Consumer complaint received 2020-05-27
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. (NC)

XXXX should not be reporting to Experian a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Since this account has no outstanding balance there is nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-09-18
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)

From XX/XX/XXXX to XX/XX/XXXX, Experian is reporting late payments on an account that was closed XX/XX/XXXX. I called XXXX and they claimed that they reported as a charged off account and wsa closed. However, Experian are reporting late payments which from my understanding is illegal. If an account is closed and there was no payment plan set-up with the company to settle the debt yet, or sold to an agency to collect the debt, then there should not be a credit reporting as late payment. There was a similar problem in the past before with the same account as and we're removed.
Consumer complaint received 2017-09-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

I was previously a lease holder through Toyota Financial Services for a XXXX XXXX XXXX XXXX and turned in the vehicle off lease for a XXXX XXXX XXXX XXXX in XX/XX/XXXX. I began receiving calls from a debt collector at XXXX XXXX in approximately late XX/XX/XXXXstating that I owed $ 400+ dollars from my XX/XX/XXXXlease relating to a missing key when the car was turned in off lease. The address he had on file, as provided by Toyota, was the incorrect address despite me being a current account holder with Toyota for the XXXX XXXX XXXX and receiving bills each month to my correct address. I provided my current address ( not knowing who he was ) to receive a copy of the bill. I was told this was sent on XX/XX/XXXXbut this was not received at my home. I received 2 additional calls from XXXX XXXX. He then suggested I consider speaking with Toyota Financial Services. I called the number at Toyota FS provided by XXXX XXXX and was told by XXXX XXXX in recovery at Toyota FS that she could  provide me no information on my account and that I had to speak with the debt collector at XXXX XXXX and Toyota would not send me the bill. I requested to speak with a supervisor at Toyota FS and was told a supervisor was not able to speak with me. I offered to provide a call back number and was told they do n't make outbound calls. I then offered to wait on hold and was told they do not allow people to wait on hold. So, I am now at a point where I am being called repeatedly by a debt collector, have no way to validate this money is indeed owed through the receipt of a bill and Toyota Financial Services sent me to a debt collector due to not having appropriate records for this amount claimed owed for a missing key when they do have my address for the car I pay monthly for that I traded the old vehicle ( with the supposed missing key ) in for.
Consumer complaint received 2024-03-28
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. (CA)

Every month on the XXXX of the month my chase credit card ending in is card ending in XXXX is charged {$9.00} for XXXX from a company called XXXX XXXX. I have tried calling the merchant serval time and explain to them that I am being charged and they just give me the run around and say they cant find anything on there end. I also tried calling my bank and they tell me there is no way to prevent the merchant from charging me each month. I have submitted several disputes and refunded for some but not all. I am tiered of not being helped by Chase, I have even ordered a new credit card with a new number and the chase said that there is agreement with the Merchant to provide them updated information. I told chase that I do not consent to them sharing my information but they do not stop. Please help me they have been billing me for a membership which I already receive for free based on my other credit card with Chase. I even deleted the billing information from the merchant app and they continue to bill the account without my consent. 

The bank has violated ELECTRONIC FUND TRANSFER ACT ( REGULATION E ), Truth and Lending Regulation Z obligations with my dispute, and also Credit Card terms I did not agree to provide my information to a third party without my consent which they did by giving the merchant new credit card number after I replaced my credit in an attempt to try and stop the recurring charges.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

This company is very abusive. They will not try to take a {$20.00} payment when they know you have Covid and have suffered and lost family members during the pandemic. 
Will not try to settle wants full amount but want big payments.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XXXX XXXX in the morning hours Tow truck of Toyota Financial Services XXXX XXXX XXXX XXXX XXXX XXXXnce at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California and Repo my 2020 Toyota XXXX with vin # XXXX License Plate # XXXX with California Expired plates of XX/XX/2020. 

Toyota Financial Services didn't want to accommondate me on my financial hardship and my XXXX XXXX and reduce payments under {$480.00} a month. 
As I respectfully can afford $ XXXX {$350.00} a month but not {$480.00}. 
I even took vehicle to XXXX Toyota to trade vehicle but Toyota Administration didn't want to accept the XXXX XXXX XXXX XXXX of {$14000.00} now vehicle was taken from me and now I don't have no vehicle to attend my Lifetime XXXX appointments with my Dr.XXXX XXXX XXXX in XXXX, Ca. 

Toyota Administration pulled my credit with Experian, without my consent on XXXX and now Repo the vehicle to destroy my credit.

Toyota Administration is in Retaliation and Discrimination because I filed many Federal Government complaints and I consulted with a Law Firm of XXXX XXXX Attorney and a letter was sent on my behalf. 
This is a major Discrimination and Retaliation against me as a XXXXXXXX XXXX XXXX and XXXX Status. 
I will file a Discrimination and Retaliation with XXXX Department of Justice on this issues.

Toyota Administration has placed me on collection of {$26000.00} as now they are going to sell the vehicle for less than {$14000.00} and place the remaining balance in collection with Debt Collector and notifying credit bureaus of Experian, Equifax and Transunion.

Toyota Administration doesn't support our US Military Veterans and our XXXX Citizens and Military Veterans. 
With Honor And Respect Always.
Consumer complaint received 2020-11-28
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. (IL)

I pulled my consumer credit report and found an inaccurate account listed. I've made several attempts to dispute this negative, erroneous, and unverified account by USPS Registered Mail. I ask that this re-aged account be immediately deleted. This account is hindering my ability to obtain funding, tradelines, and causing me to pay higher interest rates. This violation of the Fair Credit Reporting Act ( FCRA ) should be remedied. This account is also reporting differently on all 3 Major Credit Bureaus.

ACCOUNT NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NC)

I was shocked when I reviewed my credit report and found late payments on the dates below. 90 days late XXXX XXXX 90 days late XXXX XXXX I am not sure how this happened since I was enrolled in school at these dates and when contacting nelnet directly they informed me this information has been updated in which it has not.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Credit Corp Solutions Inc. (FL)

I was served for an account I have no knowledge about, this is fraud XXXX for amounts {$7200.00} Ive reached out to the company This account is not on my credit report! 

Credit Corp Solutions
Consumer complaint received 2021-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (MD)

A recent pull of my credit report found a collection from Grant & Weber. I wrote to them in XXXX requesting they provide proof of this debt. They only provided an itemized statement. They are refusing to remove the debt or provide any verification that this debt is in fact mine.
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2020 I responded to an ad for an apartment in XXXX listed by a XXXX XXXX who claimed to be the owner. I requested references of previous tenants he had hosted and he gave me 2 tenants info. I contacted them both via phone and email and got good reviews about the apartment. Once I had confidence in the listing I used XXXX to pay for the apartment for the month of XXXX. I used XXXX in my chase account to give Mr. XXXX XXXX {$1300.00}. I will attach emails with information he provided me and a rental receipt he gave me. When I arrived to XXXX to collect my keys XXXX XXXX had disconnected his phone and stopped responding to emails. The listing ended up being a scam. I contacted the police, XXXX & chase on XX/XX/XXXX. XXXX and chase both told me I was not Protected and could not get my money back. I am absolutes gutted and hoping to get some sort of funds back as I used much of my savings to secure this rental. I will attach all proof of scam.
Consumer complaint received 2021-09-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I was using Coinbase to purchase Cryptocurrency. However I was sent an email by them stating my account activity will be suspended but I should be allowed to withdraw my funds ( XXXX ). This email was send to me on XX/XX/21 Since then, I have been unable to withdraw my funds despite numerous emails. In one of their replies, they said that they accidentally suspended my account from withdrawals and they had rectified it but that was a lie. I still cant withdraw my funds