davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (MO)

Received a call from Forward Recovery Movement claiming I owed a debt to PAYDAY LOAN for {$500.00}. Asked for number or address to send letter of validation request. Told no need he could request for me. Received letter of verification in the mail today onXX/XX/XXXX18. The letter was datedXX/XX/XXXX but postmarked untilXX/XX/2018. Called to request phone number again to send letter of validation was told I had already received. I stated not then is to validate my debt as I do not believe I owe. Was told it was not their responsibility to help me settle my affairs and I had the information. I explained it did not have even contact information for the creditor. Sent formal letter of validation today to address on letter received.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2018-02-15
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. (FL)

I have been making my payments on time for last several years by My XXXX XXXX billpay. Recently I began receiving several calls from you. 
I called today to find out the problem. I didnt think it was the payment because I knew I was sending the payment every month. The representative told me that I sent in The wrong amount. I did NOT receive anything telling me the payment had changed So I continued to send the usual payment OF {$980.00}. I was told that the payment had changed for the XX/XX/2018 payment from {$980.00} to {$1000.00} a difference of only {$72.00}. I did NOT get anything in the mail ; it may have been lost. I get other peoples mail in my box all the time.I spoke to XXXX in the Escalation Dept. # XXXX who payment to cure the shortage. 
. I have now corrected by billpay to reflect the current Monthly amount of {$1000.00}, which will be sent going forward. 
Please exercise your discretion under the circumstances and waive any late fees and correct my payment history.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (DC)

To Whom This May Concern, After checking my credit report there are a number of listed inquires that I have not applied for listed on my account. Please assist EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XXXX XXXXs XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2022-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

My name is XXXX XXXX, a federally protected consumer, and Im making this complaint against XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX saying that they are trying to collect a debt that I owe to CALVARY SPV I, LLC. First, the name on the letter is wrong and not my legal name. Second, I have never signed a contract with CALVARY SPV I, LLC, so I am confused on how XXXX XXXX XXXX XXXX, which is a debt collector, is trying to collect a debt for another debt collector. I haven't even given XXXX XXXX XXXX XXXX any permission to use any of my identifying information to contact me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I am demanding a cease and desist of all illegal activity, any communication, and collection activity of this alleged debt until XXXX XXXX XXXX XXXX can provide me with sufficient documentary evidence, like a contract agreement with my signature that says I have any legal obligation to pay XXXX XXXX XXXX XXXX or CALVARY SPV I, LLC on this alleged debt. I have attached both a conditional cease and desist and debt validation documents to this complaint.
Consumer complaint received 2022-01-16
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 (CA)

I got put into a promotional inquires on my credit report and I never signed up for promotional inquiries to be put on my credit report under promotional inquires such as Capital one auto finance, Capital one, XXXX XXXX milestone, XXXX services, plain green, and XXXX XXXX sending my information to these companies and I dont want this on my credit report or send me information for their company and if my information in their system to be deleted. I never applied to any of them.
Consumer complaint received 2020-08-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

This account is more than seven years and investigation is taking more than 30 day for this negative account on my credit report US DEPARTMENT OF EDUCATION ( CLOSED ) xxxxxx XXXX {$5500.00}
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (TN)

I took out a loan with speedy cash when I fell upon some hard times the loan would go into collections and this company called universal collections called stating they were collecting a debt for speedy cash had all of my information I was setup on a payment plan and paid the loan off in XXXX of XXXX here I am 5 months down the road and the debt is still showing delinquent and impacting my credit I have called this number XXXX ( XXXX XXXX ) numerous times and they always pick up and ask me for my case # XXXX it always show paid off in their system but no record of it showing paid off on my credit or to Speedy Cash I called yesterday XX/XX/XXXX and got the same answer when I called and spoke with her yet again
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is not providing me with XXXX  year end tax statements. I have called them several time and the only answer they've provided is that they can give me the numbers verbally over the phone. I need a written document with year end tax and escrow information. I called them today and was told on the phone that one was not generated for my account. 

I also have an existing problem with the bank where I can not see my mortgage information online. They state this is because of a recent assumption I did on the loan and therefore for the remaining life of the loan I will never be able to see my mortgage information online. This is kind of ridiculous being that is XXXX and every major financial institution - even those that are small - allow the viewing and making payments of account online. 

I feel Bank of America, is doing all of the above to take my house away from me in the future if I were to default in anyway. I am current on my mortgage payments and everything else.
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NY)

I am writing to you in reference to the company Afni, INC. My credit report says that I have an account with them that was opened XX/XX/2016. I have never opened an account with the company. The account number they have on file is XXXX. The account is not mine. I have tried numerous times to dispute this account with the credit bureaus and they will not take it off of my credit report because the company is still falsely reporting this debt.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

1. LexisNexis inaccurately published and reported an eviction judgement on XXXX XXXX XXXX report to XXXX XXXX, XXXX XXXX  and subsequently XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX as a judgement for the plaintiff. The eviction case # XXXX was appealed as of XX/XX/XXXX and subsequently dismissed as of XX/XX/XXXX. 

2. LexisNexis inaccurately published and reported an eviction judgement case # XXXX on XXXX XXXX XXXX report to XXXX XXXX XXXX XX/XX/XXXX as a judgement for the plaintiff. 

Damage : The inaccurate reports defamed XXXX XXXX XXXX rental history causing her to unfairly being denied housing ; resulting in homelessness for her and her child, increased cost due to temporary housing accommodations and lost funds due to the cost of the rental applications. 

Remedy : Remove the eviction from XXXX XXXX XXXX  consumer report immediately to prevent further damage.
Consumer complaint received 2021-09-16
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. (CA)

I believe that I have been treated by Chase unfairly for years. They have closed my credit accounts & bank accounts a couple times during the past few years without giving me any specific reason at all. Every time when I called them to ask for a reason, and even try to explain in case of any misunderstanding, they never gave me a fair explanation but kept telling me that they had the right to do so. 

In XX/XX/XXXX, I successfully opened a new credit card account ( XXXX XXXX Credit Card issued by Chase ) after my previous bank accounts and credit cards were closed on XXXX. Three months later, however, I got a mail from Chase saying that " after careful consideration, we decided to close your credit card account on XX/XX/XXXX, because Chase closed a previous credit card, deposit, or investment account. '' Although they did close my previous accounts, I never get to know the reason why I was blacklisted, and this upcoming account closure reminds me of being treated so unfairly starting XXXX. 

The first time Chase closed my bank accounts without providing any reason was in XXXX when I was still a XXXX XXXX at the University of  XXXX XXXX XXXX. The only reason I could think of is that I made a large amount of cash withdrawal ( about XXXX ) to buy a used car from a private party ( I was not familiar with bank services and cashier check at that time ). If that was really the reason, I strongly believe that I deserved a chance to explain. If not, why would Chase do that to a foreign student who just came to the United States?? 

After that, I did reopened bank accounts and credit card accounts in XXXX after I got a social security number and built some good credit history. However, they still closed the new accounts over a year later. Again, they did not provide any reason. It was my guess that it took a while for them to find out that they closed my previous accounts, which was not associated with my social security number. 

The information above clearly narrates my banking relationship history with Chase from XXXX to XXXX. I am so frustrated with the fact the Chase kept closing my accounts without any justifications, resulting in considerable unfairness and inconvenience for me. I am just an ordinary person who came to the United States as a foreign student, studied and worked so hard, graduated in XXXX with good standing and since then have had a stable job as a professional engineer. I could not think of one single reason for Chase to treat me like this. Chase never gives me a fair explanation for repeatedly closing my accounts. Chase never gives me an opportunity to explain in case of misunderstanding. Chase does not expunge my gratuitous blacklist status ( which is definitely a mistake! ) even after 7 years.
Consumer complaint received 2021-02-26
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-02-15
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. (NC)

I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Credit Reporting act XXXX account numbers written below, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under XXXX+ open end consumer credit plan as late for anv purpose.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Company failed to remove negative inquiry from my credit report after several disputes. They are illegally reporting a bankruptcy. The United States Bankruptcy Court does not report to the credit bureaus. Therefore the bankruptcy information the company displays on my credit report is unverifiable and should be removed immediately.
Consumer complaint received 2022-02-02
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. (NC)

I purchased with XXXX XX/XX/XXXX. I was laid off from work during the pandemic XX/XX/XXXX. I contacted XXXX to initiate my unemployment benefit and the company XXXX began making payments to XXXX on my behalf. I also contacted XXXX multiple times to ask about options for ending my contract and applying for a hardship. XXXX has used multiple tactics and ploys to avoid returning my calls, emails, and correspondences and has since stated multiple times they would offer assistance, but not once actually done so even after contacting the XXXX XXXX XXXX and speaking with their legal team. They claim they report good and bad payments to the credit bureaus, yet the only reporting on my credit began in XXXX of XXXX and reflects no payments made to XXXX before they charged off my account after I made multiple attempts to work out a plan for my account. I tried multiple times to cancel my contract wit XXXX in previous years, but instead they would invite me to an owner 's preview and have me sit there for hours telling me my only option was to upgrade or " trade '' in my previous ownership to end my other contract. Even now after closing account, XXXX refuses to admit their mistake and continues to allow my finances to suffer and will not remove their negative reports on my credit. Their attorneys office XXXX XXXX continues to ignore any correspondence as well. I have continued to contact the XXXX, sent multiple letters to Experian to correct the issue, and contacted the Attorney Generals office.

Contact by the business ; Correction to a credit report So the response that XXXX sent to me ( as they claim above via email ) reads : That the Justice Dept of NC has suggested validity in their contract, which is a lie, I will attach the same letter I received from the NC Dept of Justice which states not such thing abnd XXXX also states they will not remove the credit reporting although it is blatantly incorrect and I have legally already requested a " letter of attestation '' stating that the information they have provided to Experian is accurate.
Consumer complaint received 2022-01-16
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. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IL)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The amount is {$1500.00} This company XXXX  I have no knowledge of this, never had their services, and I also informed the company of this mishap and for it to be removed immediately. I have reached out multiple times, also this company sold my information to a collections agency I C System which is illegal to do. They are continuing to attack my credit and call me on a daily. They have been harassing me on a everyday basis, it also dropped my credit score tremendously.
Consumer complaint received 2018-02-15
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 recently found out in XX/XX/2017, that I was a victim of Identity Theft. After the initial shock of realizing that my personal information had been compromised I immediately went to my local police department to file a report. They said that since I did not have any information on who had stolen my identity that I could not file a report about that time. I went home and pulled all 3 credit reports and found numerous items on there such as inquires, and collections from accounts that someone had opened without my knowledge using my Full Name, SSN, and D.O.B. I called each credit bureau to find out what steps I should take to have these items removed and permanently deleted from my reports and to also put fraud alerts on my reports as well. They told me to go to FTC.GOV and fill our a FTC AFFIDAVIT and get it signed and notarized, and also fill out an FTC Identity Theft Report on the same website. After following those exact instructions I was told to fax all that information in to each Bureau and once the information is received ALL fraudulent items would be deleted. XXXX is the only Bureau that has complied with the promise given and have given me the help that I needed to try to rebuild. XXXX, neither Experian have done anything that they said they would do. I have faxed and mailed a copy of all the items requested over 10 times and XXXX, and Experian have yet to remove the items that were apart of my identity theft. I have called and they keep telling me to fax and mail it again. I need the CFPB to help me get this issue resolved. I am a victim and these two credit bureaus have ignored my efforts to fix this situation and continue to give me the run around on a daily basis. Please help me to get this matter resolved. The only resolution is for XXXX and EXPERIAN to Permanently Delete ALL fraudulent items from my credit reports.