davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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. (MA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-08-17
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/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/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-22
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. (MD)

XX/XX/2022 Report requested by XXXX XXXX XXXX  for a mortgage XXXX XXXX obtained a report from XXXX XXXX in XXXX, PA. 

The report provided the credit score from each agency, Equifax, XXXX & XXXX. 
For each agency there were scoring descriptors that were incorrect and that could not be substantiated by the data. XXXX XXXX was contacted and explained that the scoring model is originated by XXXX XXXX XXXX. 

After contacting XXXX XXXX, Equifax and FICO, no one accepted responsibility for the errors. 

Descriptors used - " level of delinquency on accounts '' " too many consumer finance company accounts '' " insufficient length of revolving credit history '' were inaccurate. 
I have {$0.00} balances, 0 delinquencies and my revolving accounts have aged beyond 15 years. 

These descriptors impact the credit score which impacts the lending agencies decisions.The data analytics require correcting and the reporting agencies including XXXX XXXX are equally responsible.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (LA)

I paid off a credit card by phone on XXXX, XXXX on XXXX XXXX XXXX they said i still owed them {$25.00} for interest. i called them, i was told it would be taken care of. that it was a mistake. on XX/XX/2022 i received a notice that i owed them {$51.00}. I called them again and asked what this was for. I was told, it was interest on my bill. i asked them how do you get interest on a 0 balance. I was told that i still owed them. even after they were paid off. I was told they forget to add the interest on the pay off amount. I do not feel I owe them any thing. I paid {$1900.00} on XXXX by phone. I was told at that time, {$1900.00} was the pay off.
Consumer complaint received 2022-03-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (IL)

On XX/XX/2022, I sent DEPARTMENT OF EDUCATION/NELNET a certified mail letter requesting information in which I have yet to receive a response. 
DEPARTMENT OF EDUCATION/NELNET IS IN VIOLATION of my rights as a Federally Protected Consumer.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XXXX, at XXXX, I received a call from someone who said that she was from Wells Fargo and that someone had made a XXXX  transfer to " XXXX XXXX '' for {$1000.00} and a wire transfer of {$8100.00}. I don't know this XXXX XXXX. I called Wells Fargo and they canceled the wire transfer but Wells Fargo closed my claim on XXXXXXXX  and told me that they are not responsible for XXXX. Last year, XXXX XXXX chastised Wells Fargo for their lack of accountability and transparency with fraudulent XXXX claims. I want my {$1000.00} returned to my account. My life has been turned XXXX down. If Wells Fargo claims no oversight of XXXX, why do business with them? The account number that I listed in this complaint is actually my claim number for the XXXX claim
Consumer complaint received 2023-03-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (TN)

WestLake Portfolio Management has been calling from multiple numbers since Saturday XX/XX/XXXX! I have requested debt validation from this company and have not heard anything back! They send emails at anytime of the night! They want payment for a debt that I did agree to with them! I signed a contact with XXXX XXXX XXXX, and they are currently in bankruptcy! I do not have a problem paying my debt and I certainly do not want a free car! I paid on the car for over a year and never missed a payment and they are so that that nothing has changed with my contract and that everything is the same! However they are not honoring warranties or repairs as stated in the original contract! They do not have titles and they are calling and demanding payments or telling people that are going to repo! They were sued in 2015 for these exact practices and continue to use these same tactics. They also state that previous payments are not considered so basically starting all over.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I was charged a " debt protection fee '' which I never authorized. I took advantage of a Best Buy credit card promotion of interest-free payments for 24 months. I made my regular payments, but I was shocked to see this random fee I never authorized. I called the Best Buy Credit Card customer service number to report the issue, but they instructed me to call the phone number associated with the " debt protection fee ''. Whenever I would call this number, I am never able to get a hold of a person. Best Buy also mentioned that this fee may have been something the previous bank ( that managed the card ) included with the account. Even if this were true, why is my current card still incurring this " debt protection fee? '' I searched the internet to find any information on this fee, and I found a Best Buy forum where others have reported the same exact issue. Several Best Buy Credit card users were claiming they were being charged a scam fee labeled " debt protection fee ''. Whenever Best Buy would respond to these customers in the forum, they were told the same thing I was told -- which was to call the number associated with the " debt protection fee. '' The customers would then reply that they are never able to get a hold of a person when trying to call the number associated with the " debt protection fee ''. This is exactly the same issue I am dealing with. I have called Best Buy credit card customer service several times, but I keep getting told to call the number associated with the " debt protection fee. ''
Consumer complaint received 2017-01-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (CA)

I purchased a 2007 XXXX XXXX nearly 4 years ago for {$10000.00} with $ XXXX down. My payments are {$340.00} per month. I just called to see what my payoff was and they told me it was nearly {$14000.00} This seems like unfair lending practice. How can I have paid on a used car this long an owe more than I purchased the car for. What are my options in getting out of this without messing up my credit? Thank you!
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: U.S. BANCORP (IL)

I have a positive balance on my credit card # XXXX. In the middle of XXXX I have called the company to have it refunded in the form of the check however when I called back on XX/XX/23 to inquire why the check has not been received I was informed that the check was never issued and the {$1000.00} positive balance is still there. 
When I requested to speak with the supervisor I got an employee named XXXX who informed me that " I am sorry that I feel the bank didn't fulfill its responsibility toward me as their customer. '' Since the issue is not my feelings but a complete breach of contract on behalf of the bank that refuses to refund my own money which belongs to me I requested to speak to a supervisor with a position of authority to address the issue. I was informed that " nobody is available '' and someone will call me at the later time. Well, nobody did. 
Here is the issue : beyond just a complete arrogance and lack of responsibility to provide any kind of customer service, the US Bank employees use talking points without understanding what they actually mean that wind up offending customers. They also provide a service in bad faith as they have no authority to address issues with the US bank holding my money against my will and instruction.
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Choice Assets LLC. (NY)

A person calling from XXXX ( XXXX/XXXX/15 ), claiming they are debt collectors, are calling every day. When I answer the phone often hangs up. I called it back, a man answered and asked for my address and last XXXX of my social security number. When I refused and asked for verification he said that he could not give me any information without my last XXXX. He said that this matter was very serious and that I needed to get it settled. He told me to call back after I was ready to verify my last XXXX. He asked to confirm my address, the address he stated was incorrect. I hung up. This number has called several times. Previous numbers include XXXX ( XXXX/XXXX/15 ), XXXX ( XXXX/XXXX/15 ), XXXX ( XXXX/XXXX/15 ). there are also several XXXX numbers calling, I think from the same people.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

For several years I have been unable to get my Equifax credit report from XXXX After answering the questionnaire, it tells me " online delivery unavailable ''. I've called Equifax a number of times and the only response I get is that the problem is with XXXX and I must request the report by mail, which means I must pay to send it via certified mail due to the confidential nature of the documents they require to prove my identity. ***I do not have this problem with requesting my credit report from XXXX or XXXX I emailed the upper management at Equifax on XX/XX/XXXX and XX/XX/XXXX ( see attached ) to no avail, and then started calling them again. Customer service tells me the problem is with XXXX. When I contacted XXXX they sent me papers that were completely unrelated to the issue. They also said the problem is with Equifax, not them. It's a run-around. 

I sent an online complaint to XXXX  on XX/XX/XXXX and have not heard back from them yet, but don't expect a resolution if their history is any gauge.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (VA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-03-22
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. (GA)

I am submitting this complaint because I recognized inaccurate info on my credit report. {$18000.00} is reporting to my credit report that is inaccurate. Reporting date XX/XX/2022. 

Also I see addresses and employment that are inaccurate as well. A birth year is also inaccurate. 

And one inaccurate name. Accounts that are inaccurate are XXXX, XXXX, XXXX. Employment that is inaccurate is XXXX XXXX XXXX I would like this matter to be investigated, resolved and removed.
Consumer complaint received 2022-11-10
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: JPMORGAN CHASE & CO. (MD)

Chase XXXX XXXX XXXX De XXXX reference # on the letter is XXXX I received a letter about a delinquency or other derogatory relationship with chase bank . I do not think I have ever had a bad relationship with this bank. I do not think I have ever had an account with this bank.

My husband recently passed away. He had an account with this bank which I paid back. Over several conversation I had with this bank I had difficulty paying back the amount owed. The amount of money was not large. The problem must be about something else with the transaction.

I would like to know why this complaint has been held against me. I do not want this to affect my credit score. As a recent widow I feel that I should have a better explanation. 
Thank You XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (FL)

I purchased a subscription to the XXXX XXXX and confirmed it would not be auto-renewed. Six months later I received a renewal form and contacted them stating I did not want the newspaper. We contacted them on XX/XX/XXXX to state the paper was still coming and we had not renewed ( they said they would cancel delivery and remove the charges. We received a letter from A.R.M. Solutions stating they were a debt collector and we owed {$230.00}. We called the XXXX XXXX on XX/XX/XXXX and they said they would contact A.R.M. and advise them the charges were removed. We continue to receive letters from A.R.M. trying to collect the debt. I spoke to them on XX/XX/XXXX @ XXXX and spoke to XXXX XXXX who advised me to contact The XXXX XXXX again. My wife called the XXXX XXXX on XX/XX/XXXX @ XXXX and spoke to XXXX XXXX # XXXX ) who advised her that we owe {$0.00} and A.R.M. would be advised. We received another collection notification from A.R.M and I contacted them today, XX/XX/XXXX at XXXX and spoke to XXXX  XXXX again who advised me I needed to go back to the XXXX XXXX as they had not advised A.R.M. of the correction and that I should send a letter of dispute to A.R.M. I find this to be irritating and harassing.
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

On XXXX XXXX, 2016 I received a phone message from XXXX XXXX stating she wanted to go over some things regarding the previous complaint. I returned the call, spoke with XXXX, after verify all our loan information, she asked how she can help, I told her I was returning a call from XXXX. ( once again the representatives do not know why we are getting calls ) XXXX told me XXXX is a investigator and does not take calls. ( Then why call us asking to call back if she does n't take calls ). XXXX then put me on hold to discuss with XXXX why she called us. XXXX got back on line to say that they are missing YTD information on the pay stubs that we had already submitted. Every one of the pay stubs have YTD information. My husband, XXXX who is the loan holder talked with XXXX and explained where the YTD information was on the pay stub. XXXX understood, took note for the underwriters. XXXX admitted there was " a issue going on '', I talked to XXXX mentioning it did n't make sense we received a multiple letter stating SPS had the received the documents, it also showed on the website under our account that they had received all documents needed and the modification was be reviewed. XXXX told us she would talk to XXXX to figure out what was wrong and call us back. Today, XXXX XXXX, 2016, I checked the website and our account, it now states they need YTD information. We received letters on XXXX XXXX, 2016, XXXX XXXX, 2016 and 2 letters on XXXX XXXX, 2016 stating they have received the documents needed. I have attached scanned copies of each letter. To this date, no one has called us back.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My husband and I went into Chase bank located off XXXX XXXX XXXX in XXXX, Texas and opened a business account. This is the account the bank rep instructed us to get due to the amount of deposits we would be making. We had a live Chase check totaling {$15000.00} from my husbands place of business. They cashed and deposited those funds that day, XX/XX/XXXX at XXXX. We were told our funds would be released by XX/XX/XXXX at the latest. On Monday, XX/XX/XXXX our entire account was restricted. My husband was told they needed his social to verify the account. He was at Chase Bank on XX/XX/XXXX - XX/XX/XXXX for XXXX hours each day trying to work this out. He was told there was no social verification needed. They needed him to verify the origination of the check. He brought in the company CEO and Manager from his job and got that taken care of. My husband requested the account to be closed and a check to be issued. They would not complete this on the spot. They said they put in for the account closure and he should receive a cashiers check within XXXX business days. On XX/XX/XXXX my husband called to verify this had been done and if they issued the check, as we had not received it. The customer service rep stated no request was submitted and our account was currently active and restricted. Today, XX/XX/XXXX, he went into the same Chase Branch and got a different story of what he needed to do from 2 different people. The branch manager would not come out of her office to handle this even though he requested her assistance. He finally stated his wife needed the branch managers name and the district managers names as she would be filing a CFPB Complaint as this is no way to conduct business, and XXXX XXXX came out to help him. She is the branch manager. This issue was still not resolved. XXXX  stated she would 'dig deeper and get everything reversed '. My husband walked out with no cashiers check, no active/unrestricted account and our funds are in Limbo with this bank. We verified and brought in every single piece of personal identification requested, we still do not have access to our money.
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC (MD)

I sent a debt verification letter via certified mail on or about XX/XX/XXXX. Elevate Recoveries received and acknowledged said letter on XX/XX/XXXX. It has been 30 days and I have not received and communication in regard to the debt being verified. I would like to request a debt deletion letter.
Consumer complaint received 2020-03-12
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.