davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-21
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: ECMC GROUP, INC. (OH)

I have been trying to get this student loan off of my credit it has been handled by multiple debt collectors XXXX / XXXX XXXX lastly loan servicer is ECMC upon asking the company multiple times. After many misleading phone calls these people would tell me that the loan is for my current school. I called my loan servicer which was XXXX   and ask them if I missed any payments and they said to be careful because there was scams out there so I assumed that this was a scam. The school that I am attending which I'm current on in payments is located in XXXX Ohio. Upon me threatening to call the Attorney General because I thought this was a scam they told me it was for a school called XXXX I have never attended the school XXXX in XXXX Florida. Not only have I submitted police reports I've submitted dispute letters I've submitted even my high school diploma proving that I did not go to the school and that this loan was made before I was a high-school graduate I did not give permission for this loan. I have also informed all credit bureaus and they're saying that they leave it up to the company that's debt collecting to investigate themselves and that's how they determine whether they remove the dead or not and I am not satisfied with that I have said over and over again that I am a victim of identity theft I have the paperwork to prove it
Consumer complaint received 2017-04-25
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. (MS)

This is my last attempt to contact Experian about the information that is being published to my credit report. The following account needs to be removed from credit report.    XXXX   XXXX  account  number  XXXX  is reporting twice not understanding why or what is account really is. I never gave my permission to  XXXX   XXXX  to open any accounts using my information. I kept getting bills to my address in my name your this company I never paid a payment because the accounts were not my account I requested the company to provide me with a contract with my signer or something so I could provide to the police dept. They never sent anything I was advised to fill out a  Fraud packa ge.     I am asking Experian to Validate the information reporting under my publi c Record I   never have a Judgement filed against me. The Companies that is listed under my  Public Record is   XXXX   XXXX   XXXX   XXXX   XXXX  I contacted each  one  of them to see if there was an open case or judgement filed against me on the dates that is listed on my credit report there was no record found Please remove this information from reporting on my credit report. This information is very damaging to my credit and reputation.   I have included a copy on my F TC Affidavit package a nd a copy of my credit report. The inquires needs to be remove from my credit I understand that they are a fractional items I do n't need that type of information to be displayed on my credit report when I did not give the companies permission to view my credit report
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

This is my third CFPB Complaint, my account is restricted and I was told to verify my ID and SSN card, SSN form and I sent that over to them, however now their requesting a bank statement for a payment I made XX/XX/XXXX that cleared months ago, they are letting me know why they need my bank statement for a payment that cleared months ago, I did let them know I would not provide my bank statement for my privacy as it contains my private information and Capital One not telling me why they require it. I had this account for years and Capital One is treating me terribly with poor customer service, the person handling the case XXXX is not being responsive and not helping me with my case and I would like a manager and someone else to help me with this matter. I wanted to dispute some unauthorized charges on my account as well but I am not able do so because there is a restriction. 

I am also filling a consumer complaint with The Office of Attorney General XXXX XXXX because this issue has been unresolved now for months.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My debit card was stolen without my consent or knowledge on Sunday morning at around XXXX XX/XX/XXXX from a XXXX XXXX. Following it being missing 3 unauthorized ATM withdrawls happened and at 3 different ATMS all over the XXXX XXXX. ( Areas I have never been to or make purchases ) I did not have my card at this point nor knew it was even stolen until the following Monday morning. The Bank even reported it as being unusual or suspicious activity but has denied the claim all together and is refusing to credit the funds. According to Wells Fargo there are no indicators of it being fraudulent, even though I submitted a claim, reported it and they did little to no investigation. I spoke to several claim supervisors that said there was nothing that can be done and they will be denying the claim from here on out. I am prepared to hire a private investigator to look further into this matter. I have locations of the three ATMS and not sure if there is any video evidence they can obtain. But Wells Fargo is not taking this investigation seriously and has not provided any help, action, or reimbursement of my funds being unauthorized dispursed from an ATM without my knowledge. 

XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX CARD XXXX This is the alert they sent me. Which I then verified. Then they denied my claim and said they can not credit me back the money stolen from my account : Subject : We've detected some unusual card activity From : Fraud Detection XX/XX/XXXX XXXX AM This message was sent with high priority Contact Us Action required : Please review recent card activit
Consumer complaint received 2019-03-01
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. (FL)

Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.
Consumer complaint received 2019-05-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

Smith and Rouchon Associates very rude company I receive harassing calls from XXXX till XXXX daily the company has been leaving 2 to 3 voicemails daily demanding they hear from me before the day is over I even agreed to set up payments monthly what i could afford they wouldn't accept the payments I wanted to make they demanded I pay what they wanted me to pay XXXX XXXX or XXXX has a very nasty attitude just sick of the harrassment and calls all day.
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

On around XX/XX/2019, I tried to log in on Chase to view my account. The screen prompted that I cant proceed further and to call the 1800 number. I proceed to call the operator relay number and tried to answer questions but I had great difficulty hearing them that well at all. I am hearing impaired 100 % since birth. I was told by them from Fraud Department that they are closing my account and couldnt do any business with them no longer. 

I was livid and very upset because I was about to make transfers from my other bank account to Chase account on semi-regular basis but now I am being blocked from doing so. Today, XX/XX/XXXX I got a letter from them saying that I can no longer use the account. 

I do not recall providing information thar Chase requested. This is absolutely wrong and they know it. I am hearing impaired and talking to them with some of heavy accents really frustrates me as a customer.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE NOT REQUESTED FREE COPIES OF MY CREDIT REPORTS IN A VERY LONG TIME ( POSSIBLY 10 YEARS ). I ATTEMPTED TO SECURE MY FREE REPORTS TODAY, BUT FIRST REPORT WAS BLOCKED DUE TO MY REQUEST FOR THE REPORT IN LESS THAN 12 MONTHS. I DID NOT REQUESST MY REPORT IN A VERY LONG TIME ( POSSIBLY 10 YEARS ). 
ALL I WAS ALLOWED TO DO WAS FILE A COMPLANT WITH TRANS UNION ( THE FIRST AND ONLY AGENCY I ATTEMPTED TO SECURE REPORT FROM ).

COMPLAINT : SOMEONE HAS APPARENTLY HI-JACKED MY CREDIT REPORTS, ANE THEY HAVE FREE ACCESS TO MY REPORTS WHILE I MUST JUMP THRU A BUNCH OF LOOPS TO GET AT THE REPORT TO FIND OUT WHAT'S GOING ON. TYPICAL-PRIORITY IS IN THE WRONG PLACE TO PROTECT THEIR LOUSY {$30.00} FEE IN STEAD POF PROTECTING MY INFO, MY INFO, MY INFO. I OWN THE INFO AND IT IS ABOUT ME, BUT I CAN'T SEE IT AND ATTEMPT TO DO SOMETHING ABOUT IT BECAUSE THE GOVERNMENT WON'T PROTECT THE CONSUMER. XXXX, TRANS UNION AND XXXX  ARE THE PRIORITY. THAT'S A COMPLAINT.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-10-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Atlanticus Services Corporation (TX)

Received at my home address a collection notice addressed to somebody who does not live here. It was addressed to one XXXX XXXX, but no such person lives here. Worried this dishonest debt collector might next try to attach negative information to my credit report of my son 's credit report.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I had a credit card account with XXXX XXXX in XXXX the limit was {$300.00}. I paid that Account off but it still showed open on my credit report. The Card I had in XXXX was not a secured card. Recently in XXXX of XXXX I recently got a secured card with them with a {$200.00} dollar limit. Instead of XXXX XXXX reporting that I had a new Account with a new Card someone went in and changed the information on my non prepaid account to show that the old account in XXXX limit dropped to {$200.00} from {$300.00}. This made my Credit Limit drop 60 points. Is this legal?
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I filed for modification again in XX/XX/XXXX -- -I made three months trial payments -- sent all information they ask for -- -- I was informed that modification approved XX/XX/XXXX but I did not receive final modification papers until XX/XX/XXXX ... ..I called them every week to get an update -- I was told " we are working on it '' ... I finally made a call to XXXX XXXX and asked them about my loan -- they said they would inquire to chase about my loan ( this was in XX/XX/XXXX ) ... I have gone through so much stress about keeping my home..after filing chapterXXXX -- losing my husband -- and a decrease in income -- I have had increased XXXX  -- I now have that modification ... ..but is it for real????
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Hello- I attempted to make a large principal only payment for {$99000.00} online on XX/XX/XXXX. I had already made my monthly payment for XXXX on XX/XX/XXXX. However, Mr. Cooper ( mortgage servicer ) took my XXXX, XXXX payment out of my principal only payment first costing me an extra {$490.00} in interest payments that should not have existed. My mortgage should have been paid in full on XX/XX/XXXX making it so that I should not have owed any interest from XX/XX/XXXX - XX/XX/XXXX. 

I submitted a RESPA request to Mr. Cooper but they said because I didn't put a note on the {$99000.00} payment to apply to principal, their system took the XXXX payment out first. Please help me. 

thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Hello, I am really hoping that you guys can assist me in removing these negative erroneous items from my credit report. I have reported all of the accounts that were not supposed to be on my report. As a matter of fact I have initiated an investigation more than once with each credit bureau with no response from either bureau. I have several things on my credit which are preventing my family from moving forward in the homeowner process and many other aspects of our financial life and freedom. Please assist me with getting these negative erroneous things removed from my credit as they are accounts that have been falsely reported to my credit report.
Consumer complaint received 2022-09-07
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. (MA)

I sent Experian a letter displaying the requirement of an inquiry removal from XXXX XXXX XXXXXXXX in XX/XX/XXXX. They recieved the letter yesterday on XX/XX/XXXX. they emailed me a notice of dispute completion yesterday on the same day of recieving my letter. I called them today on XX/XX/XXXX and they told me that they don't investigate disputes for inquiries unless its on an open account. 

I highlighted the FCRA 604 - 15 U.S.C. 1681b. This states that A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

I also have highlighted the fact that they are in violation of 15 U.S. Code 1681i which states that the reporting agency must conduct a reasonable investigation after receiving a dispute from a consumer. since they received my letter and closed the dispute on the same day it is clear that they did not conduct any reasonable investigation.
Consumer complaint received 2024-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MI)

When I shopped and decided to change car insurance companies, XXXX XXXX was wanting XXXX more month of coverage even though I provided proof of new coverage for the dates in question. Earlier this week I called XXXX XXXX directly to discuss the status of this account, and to validate that I had paid it to XXXX XXXX directly in order to avoid it being in collections. I was told that I would be contacted by phone within XXXX to XXXX hours by the department that handles such requests. This has not happened, but I see it is marked paid now. This whole mess is in violation of my rights, and they won't respond as they promised. When I explained this to " XXXX at XXXX XXXX '', he assured me that it would be addressed to me personally, by phone by said time.
Consumer complaint received 2017-04-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I took out a loan from  XXXX   XXXX   XXXX . The loan and the auto purchased have both been absorbent. The car has had major mechanical problems since shortly after I purchased it.The car has been in the shop at l east 4-5 times a year. The expenses on the repairs in addition to being underemployed have caused me great difficulties. I contacted Citibank to explain my circumstance. They seemed to be understanding and told me that they the payment could be paid at the back end of the note among other options that were offered to assist. They were not upfront with me.  While I agreed to putting the payment on the back end, I was still being charged excessive fees in addition to late payments being reported.     I do not agree with the additional fees in addition to the late reports on my credit report. I am appalled that this is a car they would finance to begin with because the car was not in the condition that the dealership  XXXX   XXXX   XXXX   XXXX  claimed that it was.I have paid for this c  ar three times over and the car is not in working condition and I still have a balance of {$9300.00}.
I have been cheated with the purchase of the car and the loan company is mislea  ding. I really would like to have the excessive late fee 's removed and the late reports to be taken off of my credit report.
Consumer complaint received 2024-10-02
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against 
the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (GA)

There is a fraudulent account on my credit report that was opened up in XXXX of 2017, that I DID NOT Authorize to be opened. I believe that a falsified ID may have been used to open this account, that I was unaware of, until checking my credit during the initial home buying process. The company who holds this alleged account is Acima Digital FKA Simp and the alleged balance is {$3400.00} I have also filed a report of fraud with the FTC. I am requesting this be deleted off my credit / consumer profile.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I filed a dispute with Equifax credit reporting service regarding incorrect information reported. The DOB reported on my Equifax report is incorrect. The matter was brought to my attention when I applied for a job and the employer did a credit check and the information I 'd reported on my job application regarding my identity was not a match to the information reported to the employer by the credit bureau. 
- I asked Equifax to remove the DOB from my credit report after they 'd told me that in order to correct the incorrect information they 'd require I submit to them my birth certificate. Because I am a victim of identity theft ( the most recent occurrence in XXXX 2016 ) I would not submit to sending in my birth certificate. 
- I did send, however, a document of identification, a copy of a police criminal report pull verifying the year in which my social security number was issued and from which state, and a copy of my social security card. 
- Equifax responded by informing me they would not remove the DOB from my credit report and would continue to report the incorrect information.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made my payment on the due date of the XXXX like my statement states at XXXXXXXX XXXX but they say it must be paid by XXXXXXXX XXXX which is XXXXXXXX XXXX I get out of work at XXXX XXXX  and have to stop at the bank XXXX minutes away to deposit my check. I like many Americans are living paycheck to paycheck, most XXXX  Companies along with the IRS allow payments to be paid by XXXX XXXX. Capital one is the earliest time of XXXX XXXX they should PRINT the time by the due date, Not just the Date of the XXXX of the month, because the XXXX begins at XXXX not at XXXXXXXX XXXX XXXX