davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-04-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit Systems refused to remove identity theft item after both a police and ftc report where made regarding the alleged debt. Companies like this should be more regulated. Changing get dates and account numbers for the debt as they snap their nose at anyone who tries to regulate them
Consumer complaint received 2015-12-10
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Automated Collection Services, Inc. (MA)

I have received tons of mail regarding a student loan debt that is not mine. I called the company to let them know and they promised not to continue but I am still getting tons of mail! I do n't know what to do. 

AUTOMATED COLLECTION SERVICES, INC
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

In XXXX, JPMorgan Chase, issued an account blockage due to an incorrect NAICS code entered on my account, Issue was resolved and I was told account was now unblocked. 

XX/XX/XXXX, Chase again blocked my account, without contacting me for missing KYC information. On XX/XX/XXXX, I contacted chase and was told the account would be closing at midnight on the XXXX, at this time I have yet to receive an update on why this was done without first contacting me and attempting to get me into a branch. 

This is my business banking account, and as such is now impeding the operation of my business.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capitol One credit card opened XX/XX/2004 - I would not use this card as primary and have called capitol one multiple times. Originally from XXXX I called to close card and was persuaded by reps to not close since this was oldest opened line ( baited during college since was purple colored card ). I kept open upon their advice ( mind you was not able to upgrade card but was able to get $ XXXX credit line with rewards approved elsewhere in recent years ). 

So, I kept it opened being reassured there was no annual fee or minimum purchases required. 

I got an alert from XXXX XXXX this week that the account was closed. This WAS my oldest trade line on credit and as a result by closing made my score decrease. 

I called and spoke with supervisor XXXX who could be heard chuckling on the line while I shared my situation. He advised based on the terms and conditions received when I was in college this was ok - I NEVER received notification this would occur. If so, I would have charged {$1.00} annually however was told multiple time by CSRs at Cap 1 no need to do so!! 

Where was the notification to advise account would be closed prior to closing? Again, I would have been more than happy to charge {$1.00} to stay open. 

I want my account re-opened and re-aged to previous status - I will charge {$1.00} per year to cut thru red tape to keep. 

Also, when I attempted to contact and spoke me with supervisor XXXX I was told yes your complaint is heard and captured but there is no formal follow up procedure to which I asked so you just type it to go somewhere with no clue and he said yes- translated to me ; yes I will type your complaint so you hear key clicks but it really goes into Word doc that is deleted,
Consumer complaint received 2018-03-16
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: Conn's, Inc. (TX)

Hello, I spoke with a Conns customer service rep on XX/XX/2017. I currently see a late payment reporting for my Conns Account for the month of XXXX, and a late payment for XXXX on my 2nd Conns account. On XX/XX/2017 I spoke with a customer service rep ( XXXX from the payments team ), and we determined a auto-payment feature on Conns end occurred. My bank information was correct, as the rep verified it. Based on the research, the rep informed me they would correct the credit report since it was a Conns end error. I still have not seen the correction on my credit report. My next step would be to contact the CFPB and file a complaint for Conns not  exhausting there efforts to correct this mistake under the FCRA. To avoid conflict, and keep a good relationship with Conns, I am kindly requesting these 2 errors be corrected as soon as possible. I have attached my credit report screenshots, showing how both accounts are currently reporting.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-17
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX XXXX
Consumer complaint received 2018-03-16
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: Experian Information Solutions Inc. (CA)

WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2015-04-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

my ex husband got my in a joint account with Bank of America he filed for chapter XXXX he forced my signature when I filed for divorced back in XX/XX/XXXX is when I found out of this Bank of America because I opened XXXX of his mailed and he was going to the bank that day to take a line of credit and I went to Bank of America here located in XXXX XXXX and I told the lady no money needed to be given to XXXX XXXX XXXX I did not authorized any line of credit against his house he took in my name without my permission now this was filed on his chapter XXXX and is now showing on my report experian report # XXXX I am contacting Consumer financial protection Bureau to help to delete this record from my credit repot I XXXX XXXX XXXX-married last name Now XXXX main name after I divorced this XXXX man XXXX this account is now closed he filed for his chpater XXXX I do n't know what he did I want this to be deleted from my credit since is closed please delete this from my creditAccount nameAccount numberRecent balanceDate openedStatusBK OF AMERXXXX 
Not XXXXXXXX, closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identification numberXXXXTypeMortgageTerms30 YearsCredit limit or original amount $ XXXXXXXX balance $ 0Monthly payment $ 0Date of XXXX XXXXResponsibilityJoint with XXXX XXXX XXXXthen this is XXXX on my report with this another lender who took this account from Bank of america XXXX accounts need to be deleted from my credit report I XXXX XXXX XXXX XXXX XXXX consumer protection this account is now closed need to be deletedAccount nameAccount numberRecent balanceDate openedStatusXXXX .... 
Not XXXX, Closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identification XXXX XXXX XXXX YearsCredit limit or original amount $ XXXX balance $ 0Monthly payment $ 0Date of XXXX XXXXResponsibilityJoint with XXXX XXXX XXXXYour StatementCO-SIGNED FOR THIS ACCOUNT. I WAS NOT ADVISED OF THE NON-PAYMENT OF THIS ACCOUNT. 
Reinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (NY)

Good day Took over a lease of a XXXX XXXX to avoid fees such as deposit and taxes. I have done this several times. 

BMW after 1 month of assuming the lease. I get a bill for {$700.00} +. for TAXES which were not disclosed at the time of signing. 

After numerous correspondence and calls the company failed to rectify the issue. I set up a Arbitration Complaint #. XXXX. The Company never responded to the XXXX  to participate in the Arbitration, According to their terms and conditions prior to starting a civil action I am required to attempt to resolve any issues by Arbitration first, Company is ignoring my request., XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX. XXXX NJ. XXXX Regards XXXX
Consumer complaint received 2016-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AZ)

The issue I am having with Navient, is that on several occasions they have continually not processed information correctly, most recently my forbearance that was to be from XXXX XXXX through XXXX XXXX. I have called them several times to get the forbearance processed correctly and keep getting the run around. Currently it says I am past due with them, but I should not have a payment due until XX/XX/XXXX. I contacted them XXXX/XXXX/XXXX and was granted the 3 month forbearance. Subsequent contact was by email XXXX/XXXX/XXXX with no response, and phone calls on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. Every time I spoke to a representative they blamed the previous for not doing their job correctly and swear they fixed it with end result still being that the account is not accurate.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Alorica Inc. (MA)

I paid off a personal loan with XXXX XXXX XXXX on XX/XX/2023. My balance is now XXXX. I went on line and found out that XXXX XXXX had sold my paid personal loan to SYSTEMS SERVICE TECHNOLOGY ( SST ) XXXX XXXX XXXX SST and a representative of the company XXXX XXXX told me that the reason this paid loan was not reported to the CREDIT BUREAU was because they do not have all the files from XXXX XXXX XXXX to file this and report it paid to the credit bureau. XXXX said it could be weeks/months or longer until they can report this loan paid. 
It is very unfair to a consumer who worked hard to pay off this loan and wants its reported to the credit bureaus so my credit score will reflect this payment. I took out this loan in good faith and lived up to my responsibility and now within a reasonable amount of time want this to be reported to the credit bureaus. 
I spoke with a a representative from the FEDERAL RESERVE CONSUMER HELP LINE and he told me to file a complaint with your agency. The representatives name was XXXX. 
XXXX I would appreciate assistance with getting my paid personal loan reported to the credit Bureaus Thank you for your consideration
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following ( XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc. (AZ)

i bought a car in 2007 and changed auto carriers. they are trying to collect a illegal debt from me. the company 's name is progressive. 
the second company is XXXX. i payed them up to when i had them disconnect my service.
Consumer complaint received 2016-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (AR)

I am receiving statements for a phone company which is not mine. This bill is in a state which I have never lived in. I have never had an account with this company. I have lived in Arkansas for the past forty years. I have tried numerous times to get this account removed from my credit report but all attempts have been unsuccessful. This debt is having a negative effect on my credit scores.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which XXXX, placed my XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit report.
Consumer complaint received 2017-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (FL)

We have a loan through Stearns lending services. We agreed to have monthly payment automatically withdrawn from our bank account on the XXXX of each month. We received a letter towards the end of XXXX stating that Stearns lending services has sold our loan and we would be making payments to XXXX XXXX XXXX on the XXXX of XXXX. 
On XXXX XXXX our mortgage was withdrawn by Stearns lending, from our account as agreed. But on XXXX XXXX It was taken out again by XXXX. 
I contacted XXXX on XXXX XXXX and spoke with an agent who told me i needed to send them my bank statement to prove that the payments were taken out twice, This made no sense to me because the agent could see the double payment on her computer screen this was evident by her statement, " ok i see the payment on the 2 and the 10 '' when i expressed my concern as well as my concerns about this happening again next month she stated, " well lets hope not '' she then proceeded to tell me that she was skeptical of my call because and i quote " You have automatic payments set up correct? Well i have never seen this happen before so I 'm a little skeptical '' i asked to speak wit a supervisor and was told that one would call me back by end of business. well no call. 
After that i called Stearns Lending about the same issue, they transferred my call to XXXX i ended call and called them back. the gentleman i spoke with said he would contact XXXX for me and have them get back to me. Again no contact. 
I have responded to bot company with an email as well as a copy of my bank statement to rectify this issue. still no call back. 
It would be one thing if we we 're talking about XXXX bucks, but we are talking about over XXXX and to have that taken out 2 in a month could be devastating to someone who is living paycheck to paycheck. I hope someone puts these lending agencies in there place and lets them know this is not ok and to stop treating consumers like we owe them something. please help.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Hello I have Citibank account and I just open my account like 5 days ago Im a new customer and I deposits a check of {$1500.00} into my account and they return the check back and also they told me my account is blocked and is going to be closed I dont understand why if the deposits came from me and they saying that is was suspicious of what if I deposit the check my self can u please help can I apply for a new account? Or what should I do? Thank you
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (GA)

On XX/XX/2021 and again on XX/XX/2021 I have requested from XXXX, XXXX and Experian to provide the Method of Verification for alleged debt since the Credit Furnisher has failed to validate the debt as well. 

XXXX Acct # XXXX XXXX XXXX Account Number : XXXX I am requesting that this information be deleted from my credit profile to non compliance.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc. (GA)

Per the FCRA as a federally protected consumer. I am now opted out of any and all authorizations. I, the consumer may have given you written, un written, verbal, and non-verbal per 15 use 6802.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>