davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America credit card from XXXX is showing up on my XXXX XXXX for XXXX $ I had a card from Bank of America last year for XXXX $ that I never used and canceled. My XXXX  credit account is all messed up because of identity fraud. I keep freezing my account but these people opened an account with XXXX which is also on my credit but I have XXXX. I can't call any of these companies because my phone calls get ported and I never know who I am speaking with. I also have a XXXX  card that was opened last XXXX and was paid off but it says I still owe a payment and now I have just seen XXXX Bank for XXXX Card which I disputed because I paid the card off completely 4 months ago and it's showing XXXX XXXX cards... I don't know what to do this all started last XX/XX/XXXX and I actually canceled the XXXX account but someone opened and paid to have the premium account reopened so in my opinion they can somehow manipulate what is on my credit report. Since last year my credit score has dropped XXXXo points, I've had to close out all my bank accounts twice. XXXX recently just gave me a new phone because of all the coding that was in it from hacking. I can't keep an email address without it getting hacked including my work email.I work at a college and found a hidden voicemail last week about my student loans which I don't have. I have had my unemployment from state of XXXX opened twice and I've contacted authorities, FTC, and I was told by XXXX to go to the FBI.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, Ga ) in XXXX. In XXXX I was informed to come in for a recall, they replaced the part on my car my car in XXXX. Since this time, I have been having constant issues with my engine burning oil irregular and causing my engine to stutter. Within this past year of XXXX XXXX, my car has been serviced over 6 occasions. I am part of National Engine Settlement against XXXX and their defective motors. The engine settlement claim denied my initial XXXX in claims of maintenance because of the issue not being one of their supported issues. 

Since XX/XX/XXXX, XXXX XXXX has had my car in their service shop without providing a solution to fixing my car. XXXX XXXX XXXX XXXX has serviced my XXXX XXXX XXXX for the same matter and keeps saying they cant figure out why my engine keeps stalling out on me. Ive been told by many mechanics that this is due to my faulty engine from XXXX ( A National issue ). Mechanics from XXXX XXXX ( XXXX XXXX XXXX XXXX, GA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX, GA ) just to name a few shops within this past year alone. ( Georgia ) Ive been told by the Service Technician and Mechanics to let my engine die out and then Come back to XXXX with a claim for my engine locking up. Thats not fair to me as a customer.I need help disputing all charges for late payments since XXXX when these multiple charges for the same engine problem has affected my credit rating paying for car payments and multiple service visits at the same time. Along with rental car charges and inconvenience.
Consumer complaint received 2020-04-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Before using Capitol one credit card, I was using a credit card from XXXX XXXX. During this period, I have been in good standing with XXXX  XXXX  with no late payments. As a result of the transition from XXXX XXXX to Capital One XXXX, my auto-payment information did not transfer over, and as a result, I had a payment past due. The impact of this is a drastic fall of my excellent XXXX  Credit Score from XXXX Points to XXXX Points ( -106 ), and XXXX  Credit Score from XXXX Points to XXXX Points ( -105 Points ) Till now, I have been a great standing customer with Capital One and other credit card companies, and I am happy to provide other credit card history with positive standing reports upon request if needed. 
I have called capital one several times to resolve this with no headway, which resulted in me filing a dispute, requesting that delinquent period reflecting on my account be removed because I am a victim of the XXXX XXXX to Capitol one bank switch that has disrupted my normal payment process. 
My last call on XX/XX/17 with an agent ( XXXX ), I was advised that they can not change anything, and they will send me a notification to that effect.
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (OK)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FLAGSHIP CREDIT ACCEPT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: North Shore Agency, LLC (PA)

North Shore Agency has sent repeated letters to my home with derogatory statements on them in large boldface print such as : WE WANT TO BE PERFECTLY CLEAR, YOU CAN NOT IGNORE US, THIS IS UNACCEPTABLE!!!

My husband attempted to contact them numerous times regarding the {$69.00} they were attempting to collect. He also emailed them. No one responded. They continued to send derogatory letters to my home for something I had already settled with the original company I purchased from.
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: EQUIFAX, INC. (FL)

And accordance with the fair credit reporting Act XXXX account # XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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 account without my written instructions.
Consumer complaint received 2021-08-23
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NJ)

I was in the website of Amazon searching for a XXXX XXXX I need it for my vehicle I was told I would find it and half price which I did but at the top of the page it was saying that the plant would come out free to me and no cost if I applied for the store card of Amazon to check if I would get pre-approved that it would not hurt my credit and so I did that's exactly what I did and next thing I know they pulled a hard inquiry on me, and I feel like I was tricked because if they said it would not affect my credit to check if I would be pre-approved next I know that's not what they said otherwise I would have not done it I'm pretty much sure they have done it to other people as well the same way they did to me but people in x don't have the time nor the mine too dig into it and submit a dispute like I'm doing right now and I feel upset and I'm pretty much sure the same way they did it to me they have done it to other people people just don't say nothing and keep it moving but not me I'm going to bring it to your attention.
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

I am a XX/XX/XXXX that worked for aXX/XX/XXXX in XXXX called " XXXX XXXX XXXX '' in XXXX WA. They claimed that I owed them money for a Referral fee for a lead program that they owned which I did not use, the Business that I did which they want a referral fee for was unrelated to the Firm. I left the firm in XXXX and Unbeknownst to me the Firm sold to " XXXX XXXX '' and along with the sale they attached a debt stating that I owed them, I knew noting about this until seeing it on my credit report. The new company now claims to own the right to collect on this debt despite having any proof that I owe this debt. 
They do not have any evidence, contracts or proof of said debt but have managed to hand it over to a collection agency called " Puget Sound Collectors '' I hired a lawyer to get this information regarding this debt but the collection company ignored the lawyer. The debt is over {$35000.00} and is on my credit report. There is no proof I own this debt and none has ever been provided. 
A Judgment does not exist in any courts against me for this Debt, yet on my credit report they are calling it a Judgement. This is very frustrating and harming my credit.
Consumer complaint received 2021-01-12
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. (TX)

XXXX, Equifax, and XXXX are all in direct violation of my federally protected consumer rights under Title 15, Chapter 41. Please see the attached letter sent to each for further details. Pursuant to 15 USC 1681a ( 2 ) ( A ) and 1681a ( 2 ) ( B ) a consumer reporting agency XXXX XXXX Equifax, XXXX XXXX must exclude a report containing information solely as to transactions or experiences between the consumer and the " person '' ( corporation ) making the report and must exclude any authorization or approval of a specific extension of credit directly by the issuer of a credit card or similar device yet each of the three above mentioned consumer reporting agencies have included such information in the consumer report. XXXX  additionally has been using stall tactics by sending notifications that they find my submissions " suspicious '' and refuse to honor my request to delete such information.
Consumer complaint received 2021-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I started my dispute process on XX/XX/XXXX. It is now XX/XX/XXXX and I have no response from the bureaus. I am requesting this inaccurate information that the bureaus were unable to verify be removed from my credit report. By law it has been well over 60 days and I have no response which constitutes removal being that bureaus did not verify my. information. I have attached my letters that were sent to the bureau, a copy of an utility and my license to prove my identity
Consumer complaint received 2021-01-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I am trying to refinance my existing XXXX  loan to a lower interest rate and Chase Bank is reusing to refinance my loan. I did an online application in XXXX 2020, spoke to and emailed the bank rep several times, , and submitted all the info and documents that were requested. I also followed up with the Bank rep several times and He asked for my taxes which I provided and also discussed on the phone. He also ran my credit and said that it was now up to the underwriters. 

Attached are copies of emails between Chase bank and myself. This depicts the problem I am having with Chase. Interest rates are very low and Chase is refusing to refinance my loan
Consumer complaint received 2021-01-12
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: LEXISNEXIS (IL)

I disputed a bankruptcy with LexisNexis in XX/XX/2020, they removed it from my consumer report. Then, I used the LexisNexis letter which confirms that case # XXXX has been deleted to dispute the bankruptcy with XXXX, XXXX  and XXXX. I asked the credit bureaus to contact LexisNexis to verify the DELETION. XXXX  deleted the bankruptcy. XXXX and XXXX  keep claiming the bankruptcy has been verified with LexisNexis and the US Bankruptcy Court XXXX. I received a letter from the US Bankruptcy Court XXXX and they don't report to credit bureaus. Also, I sent comparison factual dispute letters along with the LexisNexis and US Bankruptcy Court letter to XXXX  and XXXX. They refuse to delete the bankruptcy. I have provided documented proof of the deletion from LexisNexis and confirmed with the US Bankruptcy Court, they don't report to credit bureaus.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/22, approx. {$15000.00} was stolen from my checking account via a cyber attack.. Wells Fargo began an investigation and to cover their loss, they took {$7800.00} from my savings account to replenish the stolen money from my checking account. They said it was overdraft protection. 
On XX/XX/22, they issued me a provisional credit of {$9700.00} ( whatever that means ). 
On XX/XX/22 thieves stoke approx {$15000.00} from my checking account. 
Since then, Wells Fargo has stolen $ XXXX from my savings account. 
On XX/XX/22, Wells Fargo issued me a Provisional Credit of {$9700.00}. 
Basically, a total of {$22000.00} was stolen from my two accounts by Cyber thieves and by Wells Fargo thieves. Wells Fargo issued a provisional credit of {$9700.00}. 
So Wells Fargo still needs to reimburse me {$13000.00} in stolen funds. 
TODAY IS 37 DAYS since my two accounts were raided. 
Thank You XXXX XXXX ( XXXX )
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (GA)

Hello. My name is XXXX XXXX and this is my first attempt through CFPB to correct inaccurate reporting to the three major credit bureaus ( XXXX XXXX an XXXX ) citing USCB as the collector on behalf of XXXX XXXX after contacting a USCB representative regarding a collection account in the amount of {$100.00} populated on my XXXX credit report. This account appeared on my credit report XXXX XXXX This is very unusual as I have been insured with XXXX since XXXX and have never even had an outstanding balance or been made aware of any outstanding charges or missed payments verbally, by phone/text message, email or in writing by a mailed letter. I have no record of any outstanding balances and believe my personal information to have been compromised. My report shows Account # XXXX with the balance of {$100.00} After speaking with the representative assigned to me, she was able to provide the following account numbers and amounts as well : Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX with balances as small as {$7.00} up to the {$100.00} cited on Acct # XXXX. I do not know how this happened but this debt does not belong to me and should also be removed from all three bureaus. I look forward to hearing back soon with any further instructions to correct this issue. Thank you for your time.
Consumer complaint received 2020-01-18
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (VA)

Discover loan company has been manipulated to report to XXXX XXXX Credit  report company. 
Every year Discover loan company reports wrong information to XXXX XXXX. 
Last year, delinquent date was XXXX, XXXX and I was told it will be removed in XXXX. 
I have called XXXX XXXX and they say that Discover loan company has reported *delinquent date wad XX/XX/XXXX so it will be removed in XXXX. 

Every year Discover loan company reports 1 year behind so it will be stayed in my credit report forever. 

" There are statutes of limitations for private student loans.Each state sets its own limits on how long a collector has to sue a debtor. Those limits range from three to 10 years. 
Pennsylvania is 4 years. 

I would like to report their manipulation and lie.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have never been 30 or more days late on my XXXX  XXXX account for my car loan .. XXXX  XXXX is affecting my credit with these false /erroneous late payments.. This is a violation of my rights.. Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.

Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX CREDIT FILE : XX/XX/XXXX CONFIRMATION # XXXX I have written via US Mail, Equifax, on more than one occasion that I am the Victim of ID Theft and fraud for many years now. According to Special Agent XXXX XXXX with the IRS Criminal Investigation Division ( CID ), they have stolen my ID and filed fake tax returns and established credit using my Tax ID. 

The following accounts were due to ID Theft : XXXX -Card Services Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Also, they have to remove the following misleading, incorrect and inaccurate information in my credit file : Previous Address ( es ) : XXXX XXXX XXXX CT, XXXX, FL XXXX Formerly Known As : XXXX XXXX XXXX Last Reported Employment : XXXX ; They have not yet removed this information after months of writing to them to correct the information. I have been at my address for more than 7 years already.
Consumer complaint received 2022-10-13
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I contacted XXXX XXXX to request a temporary address change for a few months in XX/XX/2015. I had to go out of the country to check on my daughter who was living in the XXXX for medical school. I made the request in XX/XX/2015. Even though I made the request, I never received my student loan statement to my new address for the few months that I was living in the XXXX. I wasnt made aware that there was a bill due because XXXX did not do as they said that they would and update my temporary address. All dates that I would be gone we also notated. This is very unfair and unjust.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NY)

On my Bloomingdales AMEX card I was charged {$620.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Bloomingdales AMEX card I was credited XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
This leaves one charge that is outstanding. 

For my Bloomingdale store account I was charged XX/XX/XXXX on my statement closing XX/XX/XXXX. 
I was also credited XX/XX/XXXX and XX/XX/XXXX The reason that it looks like there was an extra credit is because it was really my {$620.00} that I moved over from my AMEX card to my Bloomingdales store card for statement ending in XX/XX/XXXX. 

On XX/XX/XXXX Bloomingdales stated that my dispute on two charges were supposed to be credited to my account. They confirmed this with an official letter. 

Im not sure what all of these additional charges are for but I was supposed to be credited {$620.00} two times. It seems after all of the credits and charges Im still missing one credit of {$620.00}.