davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

We leased a car from XXXX in XX/XX/XXXX and had it financed through XXXX XXXX. Six months into the lease we paided out the lease. After paying the lease out we still received calls saying that we are behind in our lease payments. We would resolve the problem monthly. XX/XX/XXXX we called the dealership and let them know we wanted to lease another  car despite the previous problems we had with XXXX. They explained that they were not doing any new leases in Ohio, but there were select number of people that could do another lease term with the car they were already leasing. We said OK, what do we need to do. XXXX at XXXX told me that they had not worked out the details with XXXX yet and to wait until our lease term was up. We waited called daily to find out if they had worked out anything yet. I asked XXXX what we should pay he said just How can debt be veirfied if each credit bureau have conflicting informations XXXX Late 120 EXPERIAN CHARGE OFF XXXX Charge off Date of last payment are incorrect a Accross 3 credit bureaus They are reporting inaccurate info to the 3 credit bureaus. 
Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$490.00} {$0.00} {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$620.00} {$620.00} {$620.00} No. of Months ( terms ) : 12 12 0 High Credit : {$17000.00} {$17000.00} {$17000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$620.00} {$620.00} {$620.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Full termination ; balance owing Unpaid balance reported as a loss by credit grantor. 
Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes - reinvestigation in progress Collection account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Three Credit Bureaus are involation for not doing a thorough investigation into the matter and allowing said name customer to report fraudulent and unauthorized charges
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

I Put In A {$2000.00} Into My Account And After I Deposited The Check Chase Closed My Account Because They Say They Couldnt Verify The Check Which Was Bull XXXX The Check Was Verified And I Still Havent Received My Funds From The Account Or Received A Check From Chase I Have Bills To Pay And Kids To Care For If I Knew They Were Full Of It I Wouldve Never Put The Check Into My Account I Just Want My Money Thats It I Dont See Why They Holding My Funds Its XX/XX/2020 I Put The Check Into The Account On XX/XX/2020
Consumer complaint received 2021-09-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (NC)

Permanent layoff since XX/XX/2020 due to covid. I found out about the repayment offer from another bank. I called last year about refinancing and again this year. I was told they could not offer refinancing at this time. I will not be returning to work due to complicated medical conditions. I am getting the extra XXXX dollars on unemployment but as of XX/XX/XXXX this will be taken away. I will be drawing XXXX only.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TX)

In XXXX of XXXX, I received a letter in the mail notifying me I had a debt. I called the collection agency and set up a payment arrangement for my XXXX account. I advised my representative that I do n't need this going to my credit report but I do n't have the money to pay the full amount so I set up XXXX dollars a month. I checked my credit yesterday the XXXX of XXXX and it was reported for the amount of XXXX XXXX.I called the company and asked what happened and she said my payment arrangement ended and that they reported it. I was n't aware the balance went up and nobody tried to contact me to make me aware that the payment arrangement had ended. This is completely unfair and unprofessional. Me as a consumer, called and set up an arrangement to resolve my debt. They did not handle this right.
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

I paid off this debt by garnish of my wages through the XXXX XXXX department 6 years ago Original debt XX/XX/17 XXXX I paid XXXX I intrest!! 
This company is saying I owe XXXX Midland Credit Management Acct number listed on my letter XXXX I am XXXX XXXX XXXX This is unbelievable Please assist
Consumer complaint received 2022-04-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C & S Auto Enterprises, Inc (NJ)

I took a loan out from Advantage Auto Finance, the car turned out to be a lemon.They would not honor my warranty on the car. I told them to pick up the car from the repair shop .Which they did and resold the vehicle. Now there trying to sue me illegally for a debt that I dont owe.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2019-06-06
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: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX XXXX INSTALLMENT LOAN IS FRAUDULENT AND NOT MINE. IT NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I HAVE SENT NUMEROUS IDENTITY THFT REPORTS SINCE I HAVE BEEN A VICITM OF IDENTITY THEFT.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Summary : I want to be reimbursed for the {$20.00} I 've spent freezing my credit with Experian and XXXX. The CFPB should be investigating these fees. 

Hello there, I thank you for your time and your patience. I 'm sure you are being slammed with requests right now. As an American citizen, I am thankful that we have people like the CFPB to field these complaints. 

Due to the recent XXXX breach in XXXX of 2017, I wanted to freeze all access to my credit reports by any of the existing credit bureaus. Though XXXX reportedly claims my information was not breached, my partners data was, and we both attempted to freeze our accounts, in case XXXX  was incorrect. 

I was astonished to find that XXXX, Experian, and XXXX are not only hawking additional protection services as a result of this breach, but still fully expect consumers to PAY to freeze their credit reports. 

XXXX seems to have done the right thing in offering freeze services for free ( temporarily ), but I am shocked that I had to pay {$10.00} each to Experian and XXXX for these services. 

I would love to be reimbursed for these ludicrous fees ( {$20.00} is {$20.00} more than they deserve in my opinion ), and I would love nothing more than to see the CFPB investigate these companies to help protect consumer data in the future.
Consumer complaint received 2017-09-14
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. (NY)

This two with XXXX XXXX XXXX Account Number XXXX Account TypeCredit Card Terms Revolving Date Opened XX/XX/2016 Account Number XXXX Account Type Installment Loan Terms 72 Months Date Opened XX/XX/2016 is not mine, they was removed from my report and then added again by EXPERIAN As a result my credit keeps decreasing. to. This increased my XXXX level causing my XXXX XXXX to increase and I began to have further issues with my XXXX. I ended up having emergency XXXX.
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (VA)

Commonwealth Financial reported this erroneous debt to my credit reports. This is a debt that I do not owe! This debt was purchased by Commonwealth financial from another junk debt collector named XXXX XXXX XXXX whom was unsuccessful in attempting to collect this alleged debt because of their failure to Validate this debt in accordance with the Fair Debt Collection Practices Act. To add insult to injury, Commonwealth Financial did not send me a written notice in regard to the debt, and also failed to notify me of my right under the Fair Debt Collection Practices Act to dispute this erroneous debt before inserting it on my credit reports. Failure to properly Validate this debt in accordance with the FDCPA ( which you can't do, I don't owe you anything ) will result in my filing a small claims suit against your company for multiple violations of the FDCPA.
Consumer complaint received 2020-08-20
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: EQUIFAX, INC. (MS)

I went into the bank today to apply for an auto loan. They only pull equifax, and there was a fraud alert neither I nor the lender had ever seen. It would not release my credit report or score to them. I called equifax, and they tried to run my report over and over asking me my information every time. They could not find any report under my name. The previous day, I had applied for financing from the dealership, and they were able to pull credit from both XXXX  and XXXX. In addition, no XXXX  XXXX XXXX site will pull equifax, only the other two. I do not see how my file has disappeared, as the same bank pulled it last year for my mortgage.
Consumer complaint received 2020-11-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent XXXX  and TransUnion a dispute letter on XX/XX/2020 regarding two accounts on my credit report. Today is XX/XX/2020 and I have yet to hear a response to the investigation. Under federal law, they have thirty 30 days to complete their investigation and it has been well over 30 days. According to the FCRA, a credit bureau is required to respond within 30. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not they are in violation of the FCRA.
Consumer complaint received 2017-09-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC (OK)

I started receiving calls from the number around XXXX XXXX. There would be a human speaking and then they would pause and a robot voice would say my name. They claimed to be collecting a debt or carrying out a " business matter '' with me. After my father and brother receiving calls about this I decided I should call. I called only to be berated and attacked when I would call. I would ask for their name, company name, address, and a license number which depending who I talked to said I had to confirm my information first. I finally was given an address of XXXX XXXX XXXX, XXXX, NY XXXX. I looked up the address to find nothing of the sort existed. The person I was speaking to after yelling over me for several minutes said he would put in my file that they would not contact me, but that they would continue to contact my family. I asked if I could speak to someone and he transferred me to a " QA Department '' which was just a voicemail box it seemed. I called back and asked to speak to a person rather than a machine and he began yelling again and then threatened to file harassment charges if I did n't stop calling and hung up. About 15 minutes later a " supervisor '' called me and said he was there to help since I was n't satisfied with the service. I asked for him for an address ... .he stumbled around for several seconds as I could hear a voice similar to who I was on the phone with before saying the fictional address. He said his monitor was broke and then stumbled through the rest. Finally he said the zip code and then said " oh actually it is ... '' and changed it to something completely different. I told him I would like to be removed from being called along with my family and he informed me in an irritated tone that I would be by close of business and any legal action that could be pursued would be pursued and hung up.
Consumer complaint received 2019-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Dear Bayview Notice of Pendency XXXX ( document number in county recorders ) put on my property by a third party - using a case number that was filed during bankruptcy stay and later discharged. The judge reconfirmed stay in current case XX/XX/XXXX and again XX/XX/XXXX. The third party is trying to block me from refinancing property. The third party did not notice Bayview, XXXX  XXXX XXXX or myself in XXXX to my knowledge. I am asking Bayview to look into matter in any way you can to assist with matter.
Consumer complaint received 2017-09-12
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. (GA)

On XXXX XXXX, XXXX I accessed my credit file with Equifax. At this time all of my current and recent accounts were missing. My credit file now consisted of old accounts that had dropped off due to age and old accounts that had been deleted. I have tried for several months to get this corrected with no success. This morning XXXX XXXX, XXXX all of the accounts re-appeared along with several other accounts that were not there before. As I write this I am on the phone with a XXXX XXXX XXXX from Equifax named XXXX and a XXXX named XXXX who just transferred me to another department trying to resolve this and get my true credit file to avail. This has truly been a nightmare, all I want is for my credit file to reflect the correct information.
Consumer complaint received 2017-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I received a letter from Commonwealth Financial Systems dated XXXX XXXX XXXX. The letter stated that I had 30 days to dispute the validity of the debt. On XXXX XXXX, Commonwealth Financial Systems reported several accounts on my credit file. Commonwealth Financial Systems violated their terms of agreement for a 30 day response by reporting to the credit bureaus ' prematurely. The last day of response would have been XXXX. I have attached files for your review.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I spoke with many people at XXXX, XXXX, XXXX XXXX XXXX, XXXX regarding a wage garnishment issue. Once that was taken care of I was informed of another file they have for me. The file is for a judgement from XXXX. In XXXX, my bank account was frozen and I had it unfrozen because I was living alone raising a child. I was very naive at the time under the impression I would be notified at a later date to resolve the issue with the debtor. Well over the years, 17 years to be exact I had forgotten all about it since I was never contacted. Now in XXXX, I am being informed by XXXX, XXXX, XXXX XXXX XXXX, XXXX I owe over {$14000.00} on this judgement from XXXX and the only way I found out was because I was calling about another issue. The I was asked if the my contact number was still the same and I was provided a number that I have not had the use of since the year XXXX. I want proof that there was an attempt to contact me over the past 17 years. I find it unreal that a company has held onto this debt and has charged me interest daily for all this time but couldn't locate me to try to collect the money. Also, I asked to try to resolve this issue and was told the client will only accept a lump sum amount. There has to be a way to have proof that there has been an attempt to locate me and a reason why I can't try to make this right after 17 years. I know I owe the money, but I feel as if they are just trying to break me after all these years of no contact by demanding a lump sum payment to clear it.
Consumer complaint received 2019-02-20
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. (NC)

I sent identical investigation requests to Equifax, XXXX, and XXXX XXXX back on XX/XX/XXXX. The results should have been returned to me by XX/XX/XXXX. I received the investigation results from XXXX  in a timely manner, but I still haven't received anything from Equifax or XXXX XXXX.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (MA)

As a XXXX XXXX XXXX for 36 years, I am writing to report what I feel are unfair and deceptive acts or practices made by both U.S. Bank. 
I recently received notification from the banks referenced above that my credit line has been lowered due the reasons listed below : Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Lack of recent installment loan information Amount owed on revolving accounts is too high Time since most recent account opening is too short This deceptive practice is balance chasing which means that instead of freeing up credit, the customer has less available credit due to the lower credit limit. The banks are beginning to engage in this practice to limit their risk by reducing the amount of a particular borrowers available credit.

Balance chasing is more likely to occur if the cardholder makes larger payments or may appear to be a high-risk borrower who makes late payments or defaults on other credit cards or loans. An unintended consequence of balance chasing is that even though debt repayment is responsible consumer behavior, it can make it difficult improve a credit score, such a FICO score. 
Another issue with this is that my credit utilization has increased since the banks reduced my credit line. It has also impacted my credit score making it much more difficult to be approved for credit so that I may consolidate my debt as I have done in the past. It is just a matter of time before I see a rate hike due to this unfair practice. 
My credit history has been solid, so it is not clear to me as to why there is a lack of recent installment loan information seeing that I had two automobile loans from XXXX XXXX XXXX XXXX and XXXX XXXX and was paid in full on XX/XX/XXXX and XX/XX/XXXX, respectively. 
Please note that as of XX/XX/XXXX my credit score was XXXX and is currently reporting at XXXX as of XX/XX/XXXX. I have always made my payments in a timely manner and my credit has remained in good standing for many years despite what is stated above. 
The average age of my accounts is 7 years and 5 months with the oldest account 17 years and 6 months. 
My newest account was opened recently at a furniture store back on XX/XX/XXXX. I also had two personal loans I took out with XXXX XXXX that were paid in full as of XX/XX/XXXX and XXXX XXXX, XXXX. 
I understand that the economic conditions have worsened due to the COVID-19 pandemic and that may be a reason for banks showing their reluctance to lend. However, consumers that reflect a solid credit history with favorable credit scores should not be penalized. This appears to be another tactic to raise their interest rates and bottom line.