davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-12
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)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}
Consumer complaint received 2021-12-12
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)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and XXXX of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my Equifax and XXXX reports as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00} CREDITOR : XXXX XXXXXXXX, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00}
Consumer complaint received 2021-12-11
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. (CA)

In XX/XX/XXXX my account consumer credit card was closed by XXXX XXXX, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. 

Equifax updated the charge off status to XX/XX/XXXX resulting in a XXXX point XXXX  drop this also put me in a different credit bracket reulsitng in a higher interest rate. This happens to be a constant reporting error, and when this is reported if reflects to lenders that I have a recent late payment which will deny credit and or offer an high interest rate. 

I am demanding a complete removal of reporting from Equifax. The account was closed more than 7 years ago, and it was sold to fives years ago. I will take the removal as a fair exchange to stop legal consequences for Equifax action of continually validating and reporting incorrect data.
Consumer complaint received 2016-12-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On XX/XX/2016 XXXX was contacted via telephone to have our accounts closed. The representative on the phone stated that this will happen once the account has a zero balance. The representative proceeded to reverse a bank fee to bring the account to a positive balance then assured us that the account would be closed. We proceeded to receive a check for the full balance of our brokerage account via US Mail. At this point, upon checking we found that our other accounts were still open and instead of having a zero balance, the checking account was negative. We proceeded to contact XXXX via telephone only to be told that the account was n't closed due to the balance that was positive when we initially called, now being negative due to XXXX fees charged. When XXXX was contacted most recently on XX/XX/2016, the representative first stated that the account was not able to be closed due to the negative balance from XXXX 's fees. Towards the end of the call the representative claimed the we never contacted XXXX to have the account closed, which is 100 % incorrect.
Consumer complaint received 2022-11-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Auto Sales Inc. (FL)

To Whom It May Concern, I am writing you in regards to CFPB complaint # XXXX. According to United States Code 15 USC 1601. Be advised, Congress is aware that economic stability would be enhanced and the competition for consumer credit transactions would increase throughout financial institutions, which means my credit is needed. The goal of Congress is to ensure that all consumers, such as myself are aware of the proper use of credit and to know how to avoid the uninformed use of credit and to protect consumers against inaccurate and unfair credit billing and credit card practices. XXXX XXXX, I made an uninformed decision to enter into a consumer credit transaction with US AUTO SALES. I made an uninformed decision to enter into an agreement without knowing the meaningful disclosure of the credit terms. Pursuant to XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), an agreement is, a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was given a generic computerized agreement that is given to all consumers who enter a consumer credit transaction, without clear and conspicuous terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision, this debt becomes null and void. I, the consumer and natural person did not receive a printed adequate notice. Pursuant 15 USC 1602k. The adequate notice is to give me the pertinent facts clearly and conspicuously so that I had noticed and understood its meaning. US AUTO SALES had the choice of printing the notice, giving it to me on each periodic statement, or by other means to assure I was in receipt of the notice and I did not receive either. As a result of deception of this one-sided agreement, your institution shall remove any derogatory remarks. US AUTO SALES has already updated the account to a {$0.00} balance after making them aware of initial violation of reporting on my consumer report as a charge off which you all are still in violation of. Charges-off 's ( canceled debt ) is defined as INCOME. INCOME does not go on a consumer report. You also stated that you mailed me something but did not verify my accurate mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX there is no other verification needed for my mailing address as I just provided it to you in this complaint. I have also sent this complaint to the attorney general. I expect to hear a response from you all within 15 days. Best Regards, XXXX : XXXX ' Without Prejudice. All Natural Inalienable Rights Reserved.
Consumer complaint received 2022-11-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC. (MD)

On or about XX/XX/2022. 
I Purchased a a/c system for my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
I unknowingly signed contract that included items that were not compatible with my new a/c system per bad recommendation of " XXXX '' seller from XXXX XXXX XXXX XXXXXXXX XXXX XXXX among with the new a/c system. 
So, based on that bad experience I cancelled all the other additional items that I purchased, leaving only the new A/C system ( it was already installed ) So, for the payment " XXXX '' had me signed a loan of {$20000.00} that would be paid XXXX payments of {$330.00}. 
BUT, since XXXX XXXX sold me the wrong product and I cancelled the other items, the price of my debt went down to {$14000.00}. 
I contacted both parties to redo a new contract with the ONLY item that I actually received, but XXXX XXXXXXXX XXXX XXXX  said that they will credit the money to my account. I told them no, because the monthly payments will be bigger, thinking that it was the only issue, so, I submitted a claim with Ally, and both parties agreed to keep the same account. 
I received an email from Ally that XXXX XXXX XXXX XXXXXXXX XXXX XXXX stating their resolution. 
I emailed over 10 times asking for a document that states the Items that XXXX XXXX XXXX included in my new debt, but I only got a verbal response. 
To make matters worse Ally verbally expressed that I have still to make the 120 payments of {$330.00} and that I have a FEE of {$180.00}. Now I owe them more than the debt {$15000.00} I have made 3 payments of {$330.00} and I am also charging {$35.00} late fee because of the time that they process the payment. 
The Ally account number is XXXX Is very important to add that both companies ignore my emails and ask me to contact them over the phone and when I do they claimed to be in a meeting and never call back. 
XXXX XXXX from Ally said that he can't longer talk to me about my case that " XXXX '' will call me, but she/he had not nor respond my calls. 
His email is XXXX and from XXXX XXXX is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA (GA)

On XX/XX/2021 I send a letter regarding inaccurate and unknown accounts reporting on my credit report. I requested Debt Validation under the FDCPA and as of XX/XX/2021, I have not heard back or received any kind of response yet. I feel like I'm being ignored and my request for debt validation is not being taken seriously. 15 usc 1692g ( b ) says that the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or ... name and address of the original creditor, is mailed to the consumer by the debt collector. I am a consumer and I requested a debt validation, it has been over 51 days. Therefore, I demand that these accounts be immediately deleted from my credit report or I will have to file for litigation due to the XXXX and negative effects of this item being on my credit reports. This company is has refused to honor my request for debt validation. Therefore this account shall be deleted. My information was impacted by the XXXX data breach and I have been a victim of Identity theft. XXXX, XXXX and XXXX are aware of this. I disputed this item with all three reporting agencies and in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, they did not provide actual proof the information was verified, they sent a computer-generated response.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have continuously disputed the following 2 items on both my Experian and XXXX reports. I have no knowledge of these accounts. I have contacted the debt collector and requested information and they refused to send it to me without verifying my social security number. I have never received a bill from this company and I have no outstanding medical debts I have had continuous medical coverage for the past 15 years that would cover any medical bills. The credit bureaus refuse to remove these items claiming they are valid, but I have not received any valid information. Item 1 : XXXX Collection/Chargeoff Other {$530.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$530.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Placed for collection. Item 2 : XXXX Collection/Chargeoff Other {$100.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$100.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Placed for collection.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I disputed a bankruptcy on my consumer report, and the consumer reporting agency claimed it was through a third-party vendor XXXX. That information was false. My XXXX  XXXX consumer report has a freeze, and the information on the report is also in dispute. I have a recorded conversation with an agent from XXXX XXXX confirming they did not verify the alleged bankruptcy with any consumer reporting agency because my account has a freeze, and the alleged bankruptcy is in dispute.
Consumer complaint received 2016-04-13
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Global Credit & Collection Corporation (RI)

global credit collection sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- global continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DE)

I had a Citi Double Cash Rewards Credit Card that I was actively making purchases and payments. And without any prior contact or notification, Citi closed the account with the below reason : " During a recent review of your account, we observed frequent purchases, and multiple payments from unknown sources, which are inconsistent with typical consumer use. As a result, your above referenced account was closed on XXXX XXXX, 2021 '' which is a very vague and insufficient action reason for closing an account that had zero delinquent history and very few ( if any ) over-limit history. Below are my complaints based on the reason letter : 1. " Frequent purchases '' : there is no clear and legitimate definition of " frequent purchases ''. Most of my purchases ( if not all ) were made so that my balance was within the credit limit of the card and each purchase is not small amount like {$1.00}. Thus, there is no way the account had " frequent purchases '', otherwise it will be over-limit. From common sense, the number of transactions per month for this card is perfectly normal given this was my primary card. 

2. " Multiple payments from unknown sources '' : I can provide valid source for absolutely all of the payments made on this card, mostly from my own checking account anyway. All payments other than my own checking account was made by the same one source for which I can provide valid information. Citi Bank never made any successful attempt ( mostly likely any attempt ) to contact me to verify the source through any method such as phone call, text message, email or letter. Simply " unknown '' from Citi itself is very unprofessional and limited. 

3. " Inconsistent with typical consumer use '' : there is no clear and legitimate definition of what a " typical consumer use '' is. Everyone is different. The definition should be based on government regulations and rules, not just some random 5-minutes analysis or personal preference of the reviewer in which case is clearly a discrimination against me. And it is also unclear of what is " inconsistent '' because again, every account activity is unique. And my account had no suspicious activity as all purchases and payments had valid sources. 

4. " As a result, your above referenced account was closed '' : all the above observations can not sufficiently imply to the closure of an active account which has perfectly valid purchase and payment history.
Consumer complaint received 2021-12-11
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. (TX)

I placed a fraud alert on my credit report on XX/XX/2021 as I noticed several credit inquiries on my credit report. 

Several credit providers rejected the person trying to use my identity. Only one extended credit, XXXX. They sold the person a car and provided him/her a loan on XX/XX/2021. Approximately {$35000.00}. 

I have contacted XXXX several times. I have filed a police report, but they don't like the format. They refuse to remove the item from my credit report. It now shows as delinquent. They want me to jump through several hoops ( including having the police department do things I can't make the do ) before they will remove it. I plan to buy a house in the near future and they are impacting my credit negatively ( my XXXX score dropped over XXXX points ). XXXX has very poor controls and it is impacting consumers.
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF THE WEST (CA)

This is in regards remaining account balance for accounts XXXX XXXX XXXX XXXX For total of {$670000.00} The accounts were closed on XX/XX/XXXX and a cashier check ( s ) suppose to be mailed in the next business day with First Class U.S Mail according to the letter from bank of the west. 
I waited until XX/XX/XXXX and still not received any mail from bank of the west, then I called the number XXXX from a previous bank correspondence in order to get an update According to Branch Manager XXXX XXXX, the mail was send with XXXX - tracking number XXXX with four checks total for the above accounts. She mentioned it was sent on XX/XX/XXXX and arrived on XX/XX/XXXX. XXXX But according to security camera installed at my house XXXX driver never made the delivery for that tracking I requested a stop payment to be place on the checks since the mail was lost/stolen. 
I was advised I will get a call back on XX/XX/XXXX but I never did received one. 

I started an investigation request with XXXX  and requesting the driver who suppose " made '' the deliver to assit with locating the package.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, Thursday, money amount XXXX US dollars was sent through XXXX XXXX  online transfer ( chase ) on the XXXX account ( XXXX ID : XXXX, Name : XXXX XXXX  ). After sending, while send money was pending, my online bank account blocked. I called the chase bank customer and the contact information on the back of my debit card several times. After calling of several times, they finally picked it up at the end of the day. They asked few questions for personal detail so they can unlock the account. They did unlock the account but were unable to cancel the transaction since the money was already gone. I requested them to cancel the transaction but they denied it instead refer me to call XXXX customer service. I called the XXXX  customer service but refused to help, telling me the XXXX transfer was from my chase account. I was running back and forth between chase and XXXX but neither of them helped me at that time.
Consumer complaint received 2021-12-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO. (AL)

XX/XX/2018 vehicle was repossessed, and now appears on credit report as OPEN, and with XXXX different BALANCE AMOUNT. The amounts are as followed : {$10000.00}, {$9600.00}, and {$9500.00}. This account has been disputed several times, and all requests to provide proof and to have the account VALIDATED, Corrected, and/or Deleted has been ignored.