davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (GA)

Hello, I am seeking resolutions to handling FCRA violations done against me by debt collection agency, NCB Management Services, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans ( specifically, a home loan I am trying to obtain currently ). 

1. NCB Management Services is falsely reporting information to all 3 major credit reporting agencies, XXXX, XXXX, and XXXX that I owe them a debt in the amount of {$11000.00}. Violations include but are not limited to falsely reporting a debt as new or re-aged by altering dates such as changing the " Date Opened '' on my credit file to make the account appear newer than it is ( which has also resulted in my XXXX score taking a major plunge recently because it is reporting as a new debt ). Also, they are falsely reporting as a factoring company when they are actually a debt collection company. This is a violation to FCRA. And also listing themselves as the " Original Lender '', another violation to FCRA. I have documentation showing that this debt collection agency was removed back in XX/XX/2017 to only learn they are still reporting to all 3 major credit reporting agencies. I am still baffled how! Please help me in what seems to be a never ending uphill battle with this debt collection agency who is practicing illegal debt collection activities. 

Kindest Regards, Frustrated Consumer
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: M1 Holdings Inc. (NJ)

I am writing to bring to your attention an issue concerning a recent transaction made on my M1 credit card powered by XXXX. On XX/XX/2022, I utilized my credit card to pay for services provided by XXXX XXXX XXXX. However, subsequent to this transaction, it has come to my attention that XXXX XXXX XXXX has filed for bankruptcy, rendering them unable to fulfill the services for which I have paid. 

Transaction Details : Date of Transaction : XX/XX/2022 Transaction Amount : {$1900.00} XXXX  Merchant Name : XXXX XXXX XXXX  Description of Services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were never fully rendered : teeth alignment was never corrected, XXXX XXXX were never sent, and XXXX  were not shipped despite the purchase agreement stating these services would be rendered. 

Given the circumstances of XXXX XXXXXXXX 's bankruptcy, I find myself in a position where I am unable to obtain the services for which I have already paid. As a result, I kindly request that you facilitate a refund for the transaction amount to my credit card account. 

I understand that according to M1/Deserve 's policies and consumer protection laws, I am entitled to seek reimbursement for transactions that were not fulfilled due to circumstances beyond my control, such as the bankruptcy of the service provider. 

I have attached relevant documentation, including proof of transaction and evidence of XXXX XXXX 's bankruptcy, for your reference and verification. 

I trust that you will handle this matter with urgency and fairness, and I appreciate your prompt attention to this issue. Please inform me of any further steps required from my end to facilitate the refund process. 

Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX Bankruptcy case information : XXXX XXXX XXXX
Consumer complaint received 2020-12-04
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. (CA)

The following information and accounts do not belong to me. 
I have been a victim of identity theft. 
I need this matter to be investigated by credit bureaus and all the following accounts and inquiries to be removed from my credit account and credit report immediately. 

1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX  Account # XXXX 3 ) XXXX  Account # XXXX 4 ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) Account # XXXX 5 ) XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 6 ) XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 7 ) XXXX  XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX 8 ) XXXX  XXXX ( Original Creditor : 08 XXXX XXXXXXXX ) Account # XXXX 9 ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) Account # XXXX 10 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) Account # XXXX 11 ) XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX XXXX  ) Account # XXXX 12 ) XXXX XXXX XXXX Account # XXXX 13 ) XXXX XXXX Account # XXXX 14 ) XXXX  XXXX Account # XXXX 15 ) XXXX  Account # XXXX 16 ) XXXX  Account # XXXX 17 ) XXXX  Account # XXXX Inquiries : -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 2021-04-01
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: Experian Information Solutions Inc. (NY)

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX Balance {$120.00} Shows charged off. I never opened this account.

2. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.XXXX XXXX Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills. 

There are also several inquiries, I have not applied for any new credit in the last 4 years.
Consumer complaint received 2020-11-17
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: EQUIFAX, INC. (OH)

RE : EQUIFAX ... ..I REQUESTED COPY OF REPORT OVER 45 DAYS AGO TO SEND UPDATE FREE ANNUAL CREDIT REPORT AND TO THIS DATE REPORT HAVE NOT BEEN RECEIVED
Consumer complaint received 2023-04-03
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account # XXXX : XXXX, Account # XXXX : XXXX ( XXXX ) :, Account # XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (VA)

The company that services my mortgage, Home Point Financial, sent me links to a faulty website to upload HOA insurance information. The website simply does not work, and the servicer does not participate in any of the programs where they can verify that the HOA has insurance directly. I emailed them proof of insurance several times and received no response. I called, and regardless of how long I wait, can not get through to anyone. I request to schedule callbacks, and they never happen. I one time was able to get through to their insurance department by contacting another part of the company, and they verbally and by email confirmed receipt of my proof of insurance. I separately received a message from the main customer service section confirming receipt. I now have received a letter stating that they took out an insurance policy at my expense at a cost of {$4900.00} per year.

This company is at best incompetent and should not be managing federally regulated mortgages or at worst is part of a scam where they pretend not to receive information in order to funnel egregiously priced premiums at friendly business partners.

I strongly suggest an inquiry into this company 's practices and whether they have done this to others.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I have been trying to resolve this issue with citi financial/Macys for a long time and I would like to take legal action because it feels as if they are intentionally messing with me. Here are 2 complaint IDs from your company pertaining to this matter. Currently on my credit report it shows that I was delinquent on a payment XX/XX/22. 
XXXX complaint against Macys XXXX-complaint against citi finiancial.
Consumer complaint received 2022-04-30
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed XXXX {$180.00} XXXX XXXXXXXX XXXX Balance Owed : {$2300.00}
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The Experian and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$27000.00}.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CO)

This account is with XXXX XXXX XXXX, it is outdated and out of the statute of limitations to report this debt. I have ask the credit bureaus and the creditor to remove this tradeline due to this inaccuracy.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

So a man named XXXX XXXX opened a Chase credit card in XXXX. The card company is reporting it as opened in XXXX which is incorrect and this man put me as a co signer to this card without my knowledge. In XXXX i recieved a letter from Chase telling me that I owed them {$7200.00}. I contacted Chase and told them it was identity theft and after almost a year later I was told that it was my account. I disputed it again and was told the same thing several months later, but was told that I needed to file a police report. I did that and was able to fax and email it to them roughly a month ago. I confirmed that it was recieved and assigned to an investigator. I callled a second time last week to get and update and was told they didn't have the investigators information to conect me to them so they took my number and they would email them my information and tell tell them that I needed to speak with them. I have not received any calls from them and that account has not been removed from my credit bureaus.
Consumer complaint received 2021-06-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Purchase agreement not compliant with agreed upon sales agreement/quote. Dealership ( XXXX XXXX XXXX  XXXX ) Finance dept. padded final purchase price and did not include agreed upon discounts. Exorbitant doc and 'other ' fees added to purchase agreement, and not as agreed. Advertising on back of vehicle not authorized. Buyer/Consumer never informed of manufacturer incentives and financing for which I qualified, due to prime credit score. Buying experience extremely unfavorable Dealership ( XXXX XXXX XXXX  XXXX ) engaged in deceptive, unethical, and fraudulent business practices ; including an excessively long purchase process. In dealership for more than 5+ hours after agreeing to automobile/price via email/phone. This resulted in Consumer/buyer paying appx. $ XXXX more than pricing agreed upon in sales quote.
Consumer complaint received 2021-06-02
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. (FL)

I'm trying to be patient in this situation I really am but I am getting frustrated on this matter. So the Fair Credit Reporting Act section 603 or 15 usc 1681a ( 2 ) ( B ) whatever it's called but there, it says right under rules of construction states that consumer reports EXCLUDES " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' my social security card IS a credit card pursuant to law. I'm not XXXX. That's according to truth in lending which is the same definition under the Fair Credit Reporting Act. So why is it that I have this stupid account still on my credit report when it's not supposed to be there in the first place?! It's supposed to be excluded! This is frustrating because I have been dealing with this situation for mad long and it wasn't supposed to be there in the first place. Also I have another account that has late payments on it and it should be listed as paid as agreed. law says you can't have late payments on an open-ended consumer credit plan reasonable procedures were not followed and I did not receive my statements which included my finance charges pursuant to 15 USC 1637 ( b ) REMOVE THESE ACCOUNTS! You can investigate and everything and once you can't find those letters I should have received, Remove the late payments and Please change it to paid as agreed like it's supposed to be. I did not give consent to this reporting at all. I didn't give any written letter saying I want this account on my report. What gives?? I took the steps need and notarized my letters and all my paperwork because I getting ready to sue at this point.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2020 I requested a courtesy update to my credit reporting as I was affected by Covid. An agent advised me they would do so, and every time I followed up they stated they were handling it. After six messages and getting the run around, no changes have been made. 

I told Chase that I was unemployed during the pandemic and once I got my job I immediately paid up. They in turn closed my account without any notice. 

All Im asking for is for my two late payment statuses to show as on time as they originally promised. The late payments were out of my control and only for two months.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX  has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX/DEPT OF ED , has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXXXXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, DEPT OF ED/XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

In XX/XX/XXXXXXXX I contact HSBC USA as there were four items on my credit card that I did not recornize - the total amount was {$230.00}. We cancelled the card and I had asked them NOT to provide a new card. Well they did set up a new card but did not send to me. I was checking with HSBC on the status of the dispute and they advised me that I owed them {$210.00}. I went back to my statements to try and figure out where this amount came from. HSBC had allowed a payment for my insurance company of {$99.00} to go through the new card ( even though this was NOT authorized by me ). This I agree and I will pay. They also included a dispute that was settled in XX/XX/XXXXXXXX  and one that I had been trying to get removed from the credit card since then and had no success, even though I have a letter stating that the dispute was settled. When I spoke with them today they told me I needed to send that letter again to them through email and also fax??? I didn't know that we had faxes anymore. They also told me this would take a number of months to fix. I CAN NOT afford to pay this disputed amount of {$540.00} so if I don't pay it then my credit is ruined. Also, I can not get back the XXXX dispute of {$230.00} because they applied it to a credit card I do not have. On top of all of this, HSBC closed my accounts ( that I have had with them for over 15 years ) at the end of XXXX. They sent over {$150000.00} via XXXX XXXX to my home in XXXX  and left it on the front step. I was out of the country at that time. They bounced my paycheck and all of my end of month bills because I did not find out until XX/XX/XXXX that they did this and that was because I went online and could not see my accounts. They had priviledged information on knowing I had XXXX HSBC bank accounts and that was used against me and they closed my accounts because I would not tell them my income in XXXX - even though XXXX had just confirmed all of that information the month before. I can not locate a statement for the new account