davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
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: Experian Information Solutions Inc. (DC)

After submitting my initial Complaint ( ID # XXXX ), I reached out to XXXX  on Monday XX/XX/21 in two separate emails, stating the following : # 1 Im on Social Security and no longer obligated to pay, if delinquent, on a co-signed Student Loan.

Please contact the 3 Credit Bureaus and have XXXX ( a private Student Loan lender ) account removed from my file as soon as possible. Im trying to get a refi loan that was denied, I believe, because of XXXX. 

Thank you for your expedited movement on this request. 

# 2 SSI payments can not be levied or garnished. Treasury 's Financial Management Service can also offset, or reduce, your Social Security benefits to collect delinquent debts owed to other Federal agencies, such as student loans owed to the Department of Education. ( XXXX is a Private Lender ) Generally, debt collectors can't take Social Security or VA benefits directly out of your bank account or prepaid card. 

Their response was : Weve received your inquiry. One of our knowledgeable specialists will review your account and respond shortly. 

There response came to CFPB as a no or rejection, that did not deal with this issue at all. 

Although in submitted Feedback, Im told it would go to XXXX, but they are not obligated to response to that form of communication.
Consumer complaint received 2021-01-27
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. (WA)

On XX/XX/XXXX, I saw an alert on my Experian Credit Report about a rental inquiry for an XXXX. I immediately called XXXX XXXX XXXX at XXXX. They told me that XXXX XXXX XXXX requested the screening. XXXX XXXX XXXX number is XXXX. I immediately called them. XXXX answered the phone and I told him about my situation. My wife asked to speak to the manager. They both told us that they would take care of it. XXXX admitted that he ran my name because another applicant had a similar name. He also stated that my name popped on the computer because I did apply for a XXXX XXXX XXXX but that was back in XX/XX/XXXX. He told me that he would fix the problem. He called back and said that I had to talk to XXXX. Their number is XXXX. I talked to Experian about having it removed. I called XXXX and I called XXXX. I was told by Experian that XXXX XXXX XXXX should fix this for me. I was directed to you all so you can help me get this off of my credit report. The report number is XXXX.
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I HAVE NOT RECEIVED UPDATE ON THE INVESTIGATION, ALSO THEY HAVE BROKEN THE LAWS WITH REPORTING. EQUIFAX AND XXXX have violate the PHIUnder HIPAARules. XXXX is health informationinany form, including physical records, electronic records, or spoken information. Therefore, XXXX includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law.
Consumer complaint received 2021-01-27
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: JPMORGAN CHASE & CO. (OR)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX AUTOS add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

On Sunday XX/XX/2021 I received an email from experian indicating that my email address was changed. 

I immediately tried to check what really happened as i never changed my email address or made any other changes to my experian account. I could not login to my experian account. I called experian and after talking to fraud and membership team, i realized that my email address, phone number on experian account was changed and I no longer had any access to my experian account. I tried to place a fraud alert and security freeze on my credit file at experian. Experian sent a pincode for the credit freeze but i did not get the pin at my email since that was changed. So at this time, the pin is with the person who has changed my account details. Experian asked me to wait for 72 hours before they could help in restoring my account.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I have sold a massaging product to XXXX XXXX. After my client received his product, she filed a dispute with her credit card ( Chase ) without any reason. 

First, I had tried to contact the client several times to find out the reason why but there was no response from her. I then filed all my paperwork to XXXX  ( credit card XXXX ) proving that the product has been delivered without any issues. I waited for the outcome. 

A couple of weeks later, Chase informed me that my customer, XXXX has won the dispute and refunded the funds back to her. I do not know what factors led to the client 's favor especially I have submitted all the evidence. 
Now, 1. The client does not want any communications with me. 
2. The client did not provide any evidence of any of the issues. 
3. Currently, the client has the product and the funds- meaning she has the product for free. 

After a couple of months, I managed to get in touch with her 1 time after the dispute, and she said Chase has not credited the funds to her so she could not refund me. She promised to send me the funds as soon. And that was the last time I can contact her. 

I suspect this is a professional fraud case and I have tried to contact Chase but in vain. 
No telephone numbers, no emails available. Basically there is no way to contact them unless you have an account with them. 

Fortunately, I do and I tried to contact them. However, the bank is unresponsive when it comes to this. I have been communicating with them since XXXX and the same message from them. 

Below is their standard message : Dear Valued Customer, Thank you for asking about your credit card account. We will review it carefully and reach out as soon as we can. 

Due to an increase in volume, you can expect a delayed response of a week or more. Please don't resend a request because it could further delay our response. 

We may ask you for more information to help our research. 
If we do, please reply as soon as possible. 

If we adjust your account, we'll mail you the details. 
You'll also see the adjustments on your billing statement. 

Thank you for your patience and for choosing Chase. 

Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX It has been XXXX. i haven't had any response on your side.
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (TX)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TEK-COLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2019-08-02
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)

On XX/XX/XXXX I requested Experian investigate the XXXX XXXX account ( XXXX ) that is reporting as a CHARGE OFF on my credit report. According to my credit report, the account was last updated XX/XX/XXXX. Meaning that Experian has never investigated the account once the dispute was initiated. This is a violation of the FCRA.
Consumer complaint received 2018-12-07
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: Experian Information Solutions Inc. (NJ)

In XX/XX/XXXX, I took out an unsecured loan to help finance aircraft rental. The lender was XXXX XXXX. The rental company was XXXX ( XXXX XXXX XXXX ) located in XXXX, FL. I fell on hard times and was unable to repay the loan. XX/XX/XXXX the account was closed. 
XXXX is reporting to the credit agencies that this was an education loan. In no way shape or form was this an education loan. XXXX  is not an accredited college or university. No degree was ever offered or obtained. 
As such, as of XX/XX/XXXX seven years has passed. This is the limit of ability to report and or a line item to remain on a persons credit report.
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I started receiving phone calls from someone last summer claiming that I owe a debt for a XXXX purchase of {$1700.00} for a account that I never even applied for. I told them that I do not have a XXXX account and this must be fraud. They asked me if I disputed the charge? I said I was disputing it because I never applied for this credit. A few months later i received a notice from a Midland Credit Management company. I Called them and asked when this account was opened and what did I purchase and from who? They told me It was opened XX/XX/2019 but they have no details about what it was for just that they were attempting to collect a debt. Last XXXX I received another collection letter saying that the debt has been investigated and I am responsible for it. I did not apply for this account I never received any bills or any kind of notification from a XXXX account. But they claim I opened it and made the charge the same day. I did not have any idea that this account was opened no statements emails or anything till they started calling and told me I was delinquent on paying XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-01-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp. (FL)

On XXXX my car was deemed a total loss from a car accident that we had at no fault of ours the insurance company provided their payoff amount to Southeast Toyota finance I also had gap insurance and they provided their amount there is a balance left of almost {$5000.00} since I am still being charged the full monthly payment even though the car was deemed a total loss. I have made numerous attempts to try and make a payment arrangement or a payment plan with Southeast Toyota financial and they declined all payment options other than the fact of paying the complete amount of XXXX within 60 days currently my husband is unemployed due to Covid and I was diagnosed with Covid and I am not able to financially come up with {$5000.00} in 60 days I have asked for a reasonable accommodation to make the payment plan I understand that the that is owed But I do not feel that 60 days is sufficient time for XXXX to charge off the loan and sent to a collections company and ruin my credit when I am willing to pay we just need some assistance in a payment plan
Consumer complaint received 2018-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy fed did not tell me my x was not paying the mortgage untill it was about 3 months late i i asked what took so long i was told his info was on the loan. Well i have 3 checking accts 2 saving accts and they mailed a letter to tell me it was three months behind so Why couldnt they tell me when the first payment was not made. I have a legal right to know everything about the account and if they didnt have my inf thats on them not my fault in that illegal excuse. Last year when he didnt pay they took it from me they said we signed something in the mortgage letting them do that do i wasnt worried about him not paying cause they would take it out of my acount but they did not i asked why and got no answer. I think they just set you up to fail. No i am forced to live in a house with no roof because they are holding my insurance chech and they took the money fema gave me to pay my credit card bill and i have payment arrangements with a company i am working with to pay off my debt. I called and told them thst was fema money and i can go to jail was using it for something other then ehat it was giving to me for she put me on hold and came back and said it would not be reversed.
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I made a wire transfer for {$500.00} from my XXXX account to a recipient 's Bank of America account. My bank account status is such that I am not charged for wire transfers. However, Bank of America rejected the wire transfer and charged me {$45.00} ( An undisclosed and unjust fee ) for it. I find this completely uncalled for and unfair because the recipient 's details were correct however, my bank informed me that Bank of America simply rejected the transfer.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2022-03-21
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: CITIBANK, N.A. (WA)

XX/XX/2022 opened costco citi bank visa credit card Starting that day I received multiple calls each day from a company called credit national assist about an online request for financial help over the next 2 weeks XX/XX/2022 my identity was compromised and an account opened in my name with XXXX  XXXX XXXX
Consumer complaint received 2021-10-13
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: TRANSWORLD SYSTEMS INC (AL)

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me
Consumer complaint received 2021-06-06
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: CAVALRY INVESTMENTS, LLC (NC)

I have received a copy of my credit report and it shows company CAVALRY PORT ( Original Creditor : 08 XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

Both companies did not reply to my letter stating that I wanted to see proof that this was my account. XXXX responded with no proof and CMRE Finance did not respond at all but verified debt to XXXX. The attached letter were mailed out certified mail in XXXX XXXX
Consumer complaint received 2017-12-15
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: EQUIFAX, INC. (MA)

XXXX XXXX XXXX are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with XXXX, Equifax and XXXX and also sent XXXX XXXX XXXX debt validation in which XXXX XXXX XXXX has not responded.
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-12-04
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AES/PHEAA (PA)

AES/PHEAA has recently changed the due date of one or more loans on the account without my express permission and failed to alert me of the change. I was given little time to prepare for the specific amount due to the change in due dates. In addition, I do not agree with the change in due dates. AES will be forced to change the due date back once I file a complaint with the courts. I do not trust AES/PHEAA and wish for all correspondence to go through my attorney going forward. The representatives who respond, are cold and inhumane, treat me with disrespect, and do not care about cyber security. AES/PHEAA breached any contractual obligations by violating the consumer rights I have. Employees also tend to eat while speaking over the phone, and are not friendly or respectful. 

I'm offended by this lack of integrity.
Consumer complaint received 2018-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & R Collection Service, Inc. (TX)

Contacted business R + R Collection Services through XXXX XXXX XXXX and requested proof of notification, signed certified letter etc. that shows that I was given notice before derogatory information was listed on my 3 credit bureaus. I requested that they remove upon making payment for that reason but business has refused to remove negative information.If Business can provide written proof of notice before the date they put negative information on my reports I will drop complaint immediately.