davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Bureaus, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2019-05-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Monterey Financial Services LLC (ME)

Monterey Financial Services, LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel : ( XXXX ) XXXX Purchased a puppy in XXXX Massachusetts at the XXXX XXXX Store inside the XXXX XXXX XXXX on XX/XX/2018. 

The purchase price was {$3100.00} I have paid {$2900.00} to date. 

Company states i owe 30 payments of {$230.00} and at the end of those payments i will still owe another {$3000.00} in interest?
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DISCOVER BANK (CA)

In XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX who offered outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via an intermediary named XXXX in the total amount of XXXX USD utilizing Discover Bank 's services. 
I was invited to the trading chat group on XXXX and was told that we will receive guidance from a team of analysts of a person going by the name XXXX XXXX XXXX. 
I exchanged money to crypto currency on XXXX, then moved that money to XXXX  trading platform. I started in XXXX and was earning " profit '' through these trades. We were getting trade signals almost everyday, and just followed the trade signal to earn profit. However after trying to withdraw said profits, their website was not working anymore and I could not reach the person who has been helping me with my account. Even the XXXX group went silent after that day. 
I tried bringing this matter to the attention of Discover Bank and ask for their assistance, however they closed my complaint saying I did not provide them with the necessary evidence, even though I sent everything they asked for.
Consumer complaint received 2022-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc. (KY)

American First Finance reached out to me regarding a debt collection for couches purchased at a store called XXXX XXXX. I advised them that I never initiated a loan or purchased any couches from a company called XXXX XXXX. They sent me a document to fill out regarding fraud which I completed and returned. However, they continue to state that I got a loan and purchased the furniture. I spoke to another rep who then stated that I purchased the items from XXXX XXXX  XXXX. I advised that I purchased my daughters bedroom set from there, but it was paid in full with cash and that I did not obtain a loan. I have sent them proof of the transactions, I proved that I paid in cash and they continue to state that I purchased couches. I was advised to get a police report. However, when I called down to the police station I was told that it happened to long ago and that they can only take a statement. I'm at a loss and do not know what further steps to take.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Grain Technology, Inc. (TX)

Hello I have a account with Grain for almost a year now the company is big on how they allegedly helps everyone obtain credit with no credit check which is great. What they don't tell you is you make one mistake you are on your own. I have several credit cards and I discovered the best way to insure all your payments are paid on time when due is by selecting auto pay set it and forget it. Which is how my Grain account has been operating I would get an email stating my payment was received been set up on auto for almost a year. All of sudden at the last minute I received my statement in my email I opened it to see it said I was 30days late which made no sense seeing how Im set up on auto pay. So I immediately reached out to them could get anyone on the phone due to holiday so I sent a chat message. I finally get a reply stating we are sorry but out third party company lost a connection to your bank then she sends me a link to pay. I go ahead and immediately pay it up i owed 40.00 and i paid 60 the account is practically paid off as it is I always stayed within 30 % of my credit limit and never been late until I find out at the last minute my bank needed to be relinked. Well and email would have been nice or any type of notification I didnt get anything until the last minute. As a result of the I end up with a 30 day late which is very unfair to me based on why this happen. Most companies will notify you after yo missed your payment date apparently they just wait 30days so you can get a negative impact to your credit. This has caused me to not be able to get my pre approval for my home very disturbing. I hope you can help with this.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Good Morning! 

This is not the first time that I try to fix and innacurate item on my report, the Credit Bureaus have failed to continue with the correct process, they have stop answering the letters and are not willing to work with me by showing me proof that these accounts are accurate. 

I will load all the letters that Ive sent since last year.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FISERV INC. (OH)

On or around XX/XX/XXXX, Fiserv in XXXX Oh pulled my credit report without authorization. Multiple attempts were made to try and contact the company in XXXX, Oh. Even during business hours, the phone # goes to voicemail and there is no way to leave a message. The number provided on the credit report itself, goes to XXXX and they could not provide any help nor did they speak fluent English. 

Fiserv XXXX XXXX XXXX XXXX 
XXXX, Oh XXXX XXXX
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

I have submitted multiple disputes with Experian to remove personal data that is not correct or does not belong to me. They claim they have fixed the personal data and removed the disputed information although it still shows up on my credit report. I attempted to file a complaint with CFPB against Experian for their refusal to remove incorrect personal data yet they claim a third party filled the complaint and refused to investigate it.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

My XXXX loan was discharged with an effective paid in full date of XX/XX/XXXX in XXXX under the public student loan forgiveness PSLF program. I made at least 23 payments after that effective date, up until the COVID pause program. I'm expecting at least {$3000.00} in a refund for excess payments. I have 180 PSLF eligible payments according to the Studentaid.gov website information. I've tried contacting Mohela and the Studentaid.gov Ombudsman for information and status of my excess payments and when they will be refunded. The Ombudsman 's office never even returned my phone call or responded after a month. They both point fingers at each other and Mohela says that it's not their problem, and the Dept of Education says it's not their problem either. I want the excess funds returned ASAP. It has been over 9 months now since the original discharge through the PSLF program.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (CA)

A stranger fraudulently requested a new Direct Express card. I was alerted because they were trying to change the PIN and I received a notification. I immediately contacted Direct Express, and they took action to close and send me a new card. The account was comprised again through this process and the perpetrators charged and emptied my account from two different cities that I did not travel to. 

In processing this claim with Direct Express Fraud department, they have determined that no fraud has occurred and closed the case. 

Please see detailed documents attached in .pdf file. 



Direct Express is negligent. They gave my card to an imposter and now wont be accountable to offer simple consumer fraud protection offered by any standard debt/checking account.
Consumer complaint received 2020-07-08
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

In XXXX of 2021 I had requested my cash back rewards in the amount of XXXX. I requested a check and never received it. I followed up a month later to inquire the status of it. I was yold a check was issued but they would resend another. That check was never received. I called back in XXXX and was told I had to wait until the end of the month. I called at the beginning of XXXX letting them know it still had not arrived and asking the funds can be put back into my account. I was told no but they could give me a statement credit. I held off on paying my account due to the credit. I received a letter in the mail the following week stating I was unable to get a credit and they would resend another check. I called again and was told the would out a stop payment on the check and would receive a statement credit. Still no credit in my account. I called again and spoke with a supervisor stating I would get a credit. As of today, I have not received a credit. We are almost to XXXX, and still nothing. I feel that this is a UDAP violation due to not providing services promised. My credit score has gone done XXXX points due to the higher balance on my card. This has caused me harm
Consumer complaint received 2021-04-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

Last year at the beginning of the COVID-19 crisis, was on short-term XXXX XXXX, due to problems at my office. I fell behind on the payments. Then State Department of Revenue hit me for back taxes and penalties. 

Now I am back working and just received my social security retirement which allows me to pay the total mortgage of {$1700.00} with taxes and insurance. The problem is I was seeking help with the Biden administration relief plan to help struggling homeowners who have fallen behind on payments due to the COVID pandemic. 

I have applied to the company for this program and have not heard anything back, I know that the company is threatening foreclosure. I have read that there are national concerns with how the banks, lenders, service companies and not prioritizing helping minority homeowners. I have requested from the beginning a 30-year mortgage and was told no. This would have been a huge help. I lost all the equity due to the XXXX  housing crisis.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I have always paid in full before the balance even due. Thus, there should not be any interest. Yet this Credit card company charged XXXX interest rate. Furthermore, the customer service are routinely abusive and racist. 

Note .. My email is personal and private and should NOT be used by Elan
Consumer complaint received 2020-11-25
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: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX, 2020, XXXX  - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX  - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX, XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 : XXXXXXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name XXXX XXXX XXXX  XXXX : Account NumberXXXX Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2021-08-12
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. (TX)

I need the help of the FTC and CFPB with resolving vague and misleading investigations carried out by Equifax. I've sent them various challenge letter over the last 120 days some of the most recent which I've included below. Equifax has several times taken more than 30 days to conduct their investigations as permitted in the FCRA. Also, they have repeatedly failed to mark several of these accounts as being under dispute when they received my dispute letters and lastly Equifax has completely failed to fix countless errors associated with these accounts as outlined in my past challenge letter attached below. I'll be filing my next consumer complaint with the FTC against these erroneous creditors listed on my credit report and against Equifax to enable them investigate these inaccurate accounts and ensure their deletions.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2020-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

Someone tried to open an a credit card with Amex under my name on XXXX XXXX. This matter created a hard inquiry on my credit report and I need this to be investigated. I never tried to open that card with Amex. I dont need no more card since I have one with XXXX XXXX, but m trying to fix my credit not to destroy it. Two week ago someone tried to open a bank account with XXXX XXXX. Im a victim of identity theft and someone is using my social. I reported all issues and Im supposed to get a notification every this will happened for line of credit. Companies are not supposed to run my credit without my knowledge thats why I have the alerts on my account. I need this to be investigated please.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (KS)

I had XXXX accounts with Chase bank since 2015. I have had XXXX twice over the last year and am in college. I had a payment due on the Freedom card on XX/XX/XXXX, which I did not make, I was sick and was sleeping most days for over XXXX weeks, it simply slipped my mind. I called chase and demanded they reopen the account and I would make payment. They told me there was no way to do that. I also told them that I would pay the payment due, but I wanted the account open. I spoke with a low-level agent who could not do anything. I spoke with them in regards to COVID and their lack of assistance. In the conversation to the rep said they had to option to close all my accounts. At this time they had only closed the Freedom card. The agent was very rude and I think they closed my accounts in retaliation. I woke up this morning and was told that ALL of my accounts were closed. However, I had made payments before the date the XXXX open accounts were due, so they would not close them. It is clear they closed the accounts in retaliation for my call. I am planning on contacting a lawyer regarding this, however, Chase may have a mediation clause in their contract restricting me to small claims or mediation. I believe the CFPB needs to step in here before I take other steps This was totally retaliatory for the conversation I had with the rep. I have been a customer of theirs since 2015 and had a great payment history. To close them for no reason is a discriminatory and unfair practice. I have now suffered damage to my credit and seek damages. 

I want the cards reopened or written off. I am willing to pay the accounts, I object to Chase 's predatory lending practices.
Consumer complaint received 2022-01-17
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: Scott Fetzer Financial Group Inc. (NC)

I have been waiting for over 90 days. I am filing this complaint because UNITED CONSUMER FIN SVC for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.