davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have 5 accounts with Portfolio Recovery. While filing a dispute with the Credit Reporting Agencies for 1 of these accounts ( # XXXX ), Portfolio Recovery inserted a " false dispute '' on ALL the other 4 accounts I have with them through the Credit Reporting Agencies. XXXX Documents uploaded ) The 4 accounts misreported as disputed are as follows : XXXX XXXX XXXX XXXX I have never disputed these 4 accounts with the Credit Reporting Agencies nor with Portfolio Recovery. I have had no communication with Portfolio Recovery regarding these 4 accounts. 1 of these 4 accounts ( XXXX - docket # XXXX ) is also involved in an active court process with a court date of XX/XX/2021. XXXX Documents uploaded XXXX. By placing the false dispute on this account, Portfolio Recovery may have compromised my character, my right to request documents for court, and chances of properly representing myself in court for this account. Portfolio Recovery only has a right to put a dispute remark on the " specific '' account a consumer disputes, not other accounts that have no connection with that dispute. Each account is treated separate. If this is happening to myself and to many other people by Portfolio Recovery, it could potentially be compromising many people 's credit report scores and rights under the FCRA without their knowledge. This was only brought to my attention by a 3rd party credit monitoring service. XXXX, XXXX and XXXX did not send me notifications these disputes were put on. The accounts listed on XXXX look as though they were " verified ''. XXXX and XXXX still say disputes in progress. 
Not only has Portfolio Recovery violated the FCRA by knowingly and willingly filing false disputes, they have possibly compromised my character with the Credit Reporting Agencies for filing multiple frivolous disputes. I would never dispute accounts that may be reporting accurately and without providing supporting documents. This could possibly prevent me from filing a dispute on these accounts in the " future '' if necessary. I also can not file a " dispute '' on the " false disputes '' because it's saying I can't file a dispute while a " dispute is in process '. This violates my rights of being able to dispute information via the Credit Reporting agency first for a civil lawsuit for Portfolio Recovery if that were my intentions. 
Having these frivolous dispute remarks on my credit report could also jeopardize my upcoming mortgage application and student loan application for my child. This has caused me great emotional and physical distress.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (FL)

According to Section 1681s-2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiple discrepancies and inaccuracies in the reporting of the following accounts : XXXXXXXX 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 Department of EducationXXXX 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  The reported balance and payment history of these accounts are incorrect and do not align with my records. I have documentation, including account statements and payment receipts, that substantiate my claims. This violation undermines the integrity and accuracy of my credit report. 
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 Department of Education/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 
The reported accounts status and dates of last activities for these accounts are inaccurate and misleading. I have evidence, such as correspondence and settlement agreements, demonstrating that the account ( s ) was resolved and should be reflected accordingly. The failure to accurately report this information is a drect violation of the FCRA.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (IL)

From XX/XX/2020 through XX/XX/2020 there were charges on my card that were not made by me or authorized by me. There was a XXXX account fraudulently made under my name and information and this card was used to purchase parking for those few months. 

I haven't used the card since XXXX and the charges accrued up to {$1000.00} worth of purchases not authorized. 

I filed the complaint with Barclay 's and they claimed I authorized the purchases.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I was scammed by a cashapp customer posing as a hairstylist. I sent this person a deposit to schedule an appointment slot. 

Many people had already been scammed by this cashapp customer and complained to cashapp but yet they still kept this scammers account open, which put me at jeopardy of being scammed as well. 

I have asked cashapp to return my money and they have refused. 

I also filed a fraud complaint and this company STILL has kept this scammers account open to scam others. 

This company should be held accountable for not taking the steps to close the scammers account leaving innocent people like myself at risk.
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (MA)

My Wayfair account balance has not been updated for over 4 months and is missing nearly {$100.00}. I have spoken to numerous agents at Wayfair and on four separate occasions was promised that after some amount of time, usually around 5 business days, the issue would be resolved. After the time elapsed, Wayfair did not update the account balance and emails sent did not receive a response. Later follow-ups did not reveal any information about the nature of their investigation into the issue and when I got far enough effectively reset the time I needed to wait. 

This is not an issue with Citi bank who have confirmed that their systems work. In addition the credit card terms are clear that Wayfair is responsible for account balances on their website.
Consumer complaint received 2022-03-04
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: EQUIFAX, INC. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

Please reference the previous 3 closed cases. 

I am applied for deferment of mortgage payment last year during the COVID pandemic. After which, Wells Fargo has consistently to the consumer and CFPB that they have resolved the issue by deferring the payment to the end of the mortgage. This is not a loan modification. Each time, they did not honor their promise and commitment but lied to CFPB that the deferment has been approved and processed. They turned around and said that because of my Chapter XXXX bankruptcy, a court approval is needed and they needed my consent to speak to my bankruptcy attorney. 

Please see Exhibit A - a letter from Wells Fargo dated XX/XX/XXXX acknowledging that they had received my signed consent on XX/XX/XXXX. 

Please see Exhibit B - a letter from Wells Fargo dated XX/XX/XXXX indicating that the deferment has been approved and asking me again to sign a consent for them to communicate with my bankruptcy attorney so that they can obtain court approval despite the fact that they had already received a consent on XX/XX/XXXX as mentioned in Exhibit A. 

An executive representative also indicated to me on numerous occasion by phone that they have submitted all the information for court approval. On XX/XX/XXXX, I reached out to the paralegal of my attorney to inquire whether they had received any correspondence both in writing or by phone regarding the process of obtaining court approval. The attorney 's office indicated that they had not received any indication that there is a filing for court approval for the deferment. My attorney also indicated on a loan deferment does not require court approval. I called Wells Fargo on the very same day on XX/XX/XXXX to ask them to provide proof of court filing by end of business date of XX/XX/XXXX and as of today XX/XX/XXXX, I have not received any written or verbal communication. 

My account is still showing as delinquent. The issues at hand is that Wells Fargo has deceived the consumer and CFPB on numerous occasions ( see all three previous complaints regarding this matter in my account ) and each time, they had convinced CFPB that the issue has been resolved. It is time for CFPB to enforce the law and to hold Wells Fargo accountable for their deception by leveraging a fine and disciplinary action against Wells Fargo to the full extend of the law.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (TX)

I applied for A discover credit card in XX/XX/2021. I received a not telling me that I would receive an envelope in the mail in 7-10 days and I can check my status on the website. I submitted extra documents on the website and my status was pending. After a month I went to log onto the website and it says my application can not be found. This is disturbing because I submitted the additional documents they requested and they placed a hard inquiry on my credit report. 

I called an tried to resolve this in XX/XX/2021 and they told me there is nothing they can do and I should call credit bureau individually. I explained this does not makes sense as I turned in the additional documents and you all placed a hard inquiry on my account. 

Please help me resolve this and have them remove the inquiry they placed or finish processing my application.
Consumer complaint received 2022-04-29
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)

In accordance with the fair credit reporting act XXXX Account Number : XXXX has violated my rights.

15 USC 1881 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

My husband and I have been XXXXs for 30 years ( him ) and 20 years ( me as a XXXX XXXX XXXX XXXX ). We were told to consolidate our loans in 2003 under a spousal consolidation loan. We were sent to AES and we have been paying ever since. 20 years later we have barely made a dent paying almost {$500.00} per month and now our children 's loans are due. 
Now, after submitting all the required paerwork to the PSLF program, we are told by AES, PHEAA, and XXXX that we can not getforgiveness through the PSLF program because they consolidated us back in 2003 into a XXXX joint spousal consolidation loan. According to the new PSLF regulations, we would need to consolidate the loans under XXXX to get forgiveness, which we tried to do. XXXX said they won't do it because it was consolidated back in 2003. The fed govt stopped the practice of getting spouses to consolidate under AES, but we seemed to have been forgotten and are not allowed to join our fellow XXXX  in any relief because of what we were told to do by federal loan providers in 2003. 
According to the experts, the XXXX joint consolidation loans were found to be detrimental and so they stopped offering them, but now the providers have left the couples who were advised to take them out forgotten in the forgiveness program. 
We feel like we were lead into a trap and can not get out. We have served diligently in XXXX XXXX XXXX XXXX  for years and paid w/o missing any months. 
I am asking if you can help advocate for us to consolidate these loans under XXXX or start the complaint process as I truly believe there are more of us out there who are being treated unfairly.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX has violated my rights. 

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.
Consumer complaint received 2022-07-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I am currently selling my house, it's in Escrow, and due to close XX/XX/XXXX. I asked for a net sheet from the Escrow company. I noticed a charge for {$1000.00}. When I called Dovenmeule to inquire about this charge, the representative was very vague and was unable to completely explain it. However, they said it was most likely due to my bk.

Long story short, I just discharged and closed a bankruptcy back in XXXX. 
I explained that to them and that this was my primary residence and it was never in bk nor did I make any payments through the trustee. They said I would have to write them a letter explaining this and sign it. I wrote the letter and emailed it as requested. A few days later I received a response stating that this erroneous charge was due to the bk and they were not going to remove it. So, I decided to write my bk attorney. He looked into it and discovered that this charge had nothing to do with the bk and all my financial obligations were paid in full. He also stated He didn't know where this charge is coming from. 

I decided to do some research of my own regarding this company. They have over 535 complaints in the last 3 years on the XXXX, 1-2star ratings on XXXX and XXXX and about 5 law suits brought against them. Anotherwards, these dishonest practices are there normal way of doing business. My purpose for writing this is to have them be HONEST for once and remove this erroneous charge completely off the payoff statement.
Consumer complaint received 2022-08-03
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: JPMORGAN CHASE & CO. (FL)

Chase is refusing and not honoring the sign up bonus of 150,000 points. I am suppose to get : 125,000 after spending {$3000.00} in the first three months, then an additional 25,000 points after spending {$5000.00} in the first six months. On XX/XX/2022 I received my Chase Marriott Bonvoy Credit Card. Chase had this promotion referenced above however while waiting for my points to post I noticed that Chase has me registered with the incorrect sign up bonus ; instead they gave me three 50K point vouchers for hotel stays. On XX/XX/2022 more or less I reported this immediately to customer service and they told me they will submit a claim to the promotion department to have this corrected. Today XX/XX/2022 I received correspondence from Chase that I am not eligible for the bonus offer. This is a major oversight with Chase. I have reached out to them numerous times to review and discuss this matter and all the representatives I speak to are all in agreement with me and have taken initiative to report this discrepancy to the responsible department, however they are not assisting or correcting this matter accordingly.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX  requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind XXXX, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal.XX/XX/XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

My mother first noticed this on her account and tried to resolve it with the company in XX/XX/2022. The company told her that she needed to submit a roommate cancellation agreement. She did not have a copy as it had been over 5 years and she had moved overseas during that time. I lived there with her and moved out when she did. The roommate is responsible for these charges not my mother and I. She gave them a copy of the lease the roommates manager had signed after we moved showing we were no longer on it. The ledger they sent also shows it was paid in full the month we moved out. The management clearly knew we were gone when they made the new lease offer as we were not on it, but the collections company clearly is scamming us to pay it because they can not get the money from the people that really owe it. Collection Agency was NATIONAL CREDIT SYSTEMS INC Original Creditor Name 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
Consumer complaint received 2022-03-21
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. (TX)

The XXXX XXXX has failed to do a proper investigation and independent investigation. Ive sent several certified dispute letters regarding the inaccurate late payments. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late, XX/XX/XXXX is 90 days late, and XX/XX/XXXX is 30 days late. 

I've asked for proof that I was late the month XXXX XXXX has reported but they fail to reply to anything.. XXXX XXXX simply ignores my disputes. They think they are simply above the law and they can just ignore it. 

Violation & Inaccuracies Failed to enter the Notice of Dispute within 30 days It is a Violation to report a {$500.00} Credit Limit on a account that has been closed since XXXX The XXXX XXXX Said the account is reporting certified accurate AND correct information. But how can this account be accurate when this account has been disputed XXXX consecutive months yet the " Status Date Updated is XX/XX/XXXX. '' That's impossible to be reporting Certified accurate VERIFIED information WHEN THE STATUS DATE HAS NEVER CHANGED XXXX SO THAT MEANS THIS ACCOUNT HAS NEVER BEEN independently INVESTIGATED. VIOLATION OF SECTION 623.