davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

AidVantage denied my federal loan refund which is authorized by the CARES Act -- On XX/XX/XXXX, I called AidVantage to request a refund of the federal loan payments I made during the pandemic, but according to AidVantage, my request has been denied by the Department of Education. I requested funds that I paid from XX/XX/XXXX- XX/XX/XXXX in the amount of {$5700.00}. AidVantage did not provide me with a clear explanation for the denial, and to date, I have not received my refund as promised despite multiple phone calls with AidVantage representatives. 

The AidVantage representative I spoke with on XX/XX/XXXX initiated my refund request without an issue, and per her guidance, I called again on XX/XX/XXXX to check the status. On XX/XX/XXXX, I was informed that the Department of Treasury was approving my refund and I should expect to see the funds in my checking account within XXXX weeks. However, I still hadn't received my funds. I called AidVantage again on XX/XX/XXXX ( spoke with XXXX ) and was informed that " my request did not go through the Department of Education. '' XXXX told me that refund amounts about {$3000.00} need additional approval and somehow my request was denied, although she could not relay the issue to me. Her explanations were rather vague. XXXX said she escalated my case for reconsideration. 

A bit of background - I continued to pay my loan payments throughout the entire pandemic, XX/XX/XXXX- XX/XX/XXXX, despite not being required to make payments. 
I wanted to take advantage of XXXX interest ; however, given the continued payments extensions, a need for my money, and uncertainty from a political perspective about student loans, I requested a refund. Also, I have a perfect history of paying my federal student loans on time since summer XXXX, so I do not understand why AidVantage is holding up my refund. 

I'm afraid that AidVantage is imposing their own rules for requested loan refunds, particularly for the extra approval hoops required for refunds above {$3000.00}. I am unaware that the CARES Act set any upper bound for loan amounts. I understood that any payments, despite the amount, are eligible for a refund. Additionally, AidVantage has not provided me with any written documentation/confirmation of initiating the refund which is also a concern since there is a lack of a paper trail.

Thank you in advance for your assistance! I hope that other folks are not in my situation!
Consumer complaint received 2022-10-04
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. (TX)

On XX/XX/XXXX, I received correspondence stating that my balance on a closed account was one amount. On a credit report dated XX/XX/XXXX the amount on the account is not the same as on the previous correspondence sent by them on XX/XX/XXXX. I asked the company to remove the account off of all three credit reporting agencies because of inaccurate information. The company didn't respond at all and left everything as is on the credit report. I submitted the paperwork proving the two different amounts and they totally ignored my proof.
Consumer complaint received 2023-04-08
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. (NC)

I Sent my letter off on XX/XX/2023 and I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Confirmation # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Hello. Im making this complaint because Chase bank denied a fraud report I did on XX/XX/2024. That day, I realized that there were XXXX transactions in my bank account that I did not recognize at all, giving a total of {$880.00} that were taken from my XXXX bank account without my authorization. Then, 8 days later I received a letter from Chase saying that my claim was denied without giving me any reason to deny it. My card was stolen a few days before all this happened and Chase keeps saying that the transactions are correct and authorized by me when obviously THEY WERE NOT. Now my bank account of more than 4 years has a negative balance of - {$880.00}. It seems absurd to me that as a victim of a fraud and a bank as large as Chase does not take care of its customers. I would like you to help me solve this matter and be able to get my money back. Thank you very much.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MT)

I paid my car loan off in XX/XX/2022. My account is reported to the credit reporting agencies on the XXXX of each month. The bank is still reporting this account as owing over {$9000.00} which is incorrect. I have requested that the update their reporting and have heard nothing from them.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AmerAssist A/R Solutions, Inc. (CA)

I am writing to dispute a derogatory item on my credit report. The item is inaccurate and should be removed. The item in question is : a debt for {$120.00} doctor charge from XXXX XXXX XXXXXXXX from XXXX XXXX, XXXX. This is negatively impacting my credit score and my ability to secure loans or credit. 

I have reviewed my credit report and found that this item is incorrect for the following reasons : 1. I paid 50 % upfront to XXXX XXXX XXXXXXXX for a procedure ( XXXX  ) that they later did not complete ( the XXXX  were lost. ) So I asked this credit be applied to my co-pay instead. I was told it would be. I never received a bill from the XXXX  for this amount. 

2. As of XX/XX/XXXX, Major credit reporting agencies have agreed not to include paid medical debt on reports and agreed to stop reporting ( paid or unpaid ) medical debt under {$500.00} all together. This item should not be included in my credit report in the first place. 

Furthermore, I have taken steps to address this issue I called AmerAssist on Monday  XX/XX/XXXX. I spoke to an employee at the number : XXXX ext. XXXX. She gave me a case number of : XXXX and said my only choice was to wire a payment, regardless if the debt should be on the report or not. I wired payment to the bank she gave me ( XXXX routing : XXXX, account : XXXX at XXXX XXXX XXXX, XXXX PA XXXX ) noting the reference number : XXXX. She agreed to give me a letter stating that the debt would be erased from my history. I have not received this letter. I called her again on Tuesday XX/XX/XXXX, on Friday XX/XX/XXXX and Tuesday XX/XX/XXXX, but have been unable to reach her. 


I request that you investigate this matter and remove the derogatory item from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires credit bureaus to investigate disputes within 30 days and I expect to receive a response within this timeframe. 

Please provide me with written confirmation of the results of your investigation and any actions taken to remove the item from my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Received a text telling me there was a problem with a bank account which I am not a part of. It had 10 ppl connected to the message. It said : CHASE : Were investigating a payment reversal, please confirm it here : Link read XXXX XXXX XXXX I took a screenshot of all 10 numbers attached See attached files
Consumer complaint received 2022-05-27
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. (MS)

My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

Complainant : XXXX XXXX XXXX Secured Party Creditor : UCC1 Filing Number : XXXX Respondent : Comenity XXXX Nature of Complaint : I, XXXX XXXX XXXX , am the Secured Party Creditor of XXXX XXXX XXXX , secured under UCC1 Filing Number : XXXX. This filing establishes my superior claim and legal authority over any debts or obligations tied to that name. 
Comenity continues to report inaccurate information to the Credit Reporting Agencies ( CRAs ), specifically a charged-off account, despite the fact that I, as the original and superior creditor, did not authorize the transfer, sale, or assignment of any such debt. 
This conduct is a violation of UCC Article 9, as I have the ultimate control over any public debts associated with XXXX XXXX XXXX. Furthermore, any continued reporting of this debt without my consent is a direct infringement of my legal rights under the Uniform Commercial Code. 
Relief Sought : I hereby demand that Comenity immediately delete all negative reporting related to this account from all Credit Reporting Agencies. Failure to do so will result in further legal actions to enforce my rights under UCC law and pursue any applicable remedies for this violation. 
________________________________________ Respectfully, XXXX XXXX XXXX Secured Party Creditor UCC1 Filing Number : XXXX
Consumer complaint received 2022-06-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (FL)

I received a piece of mail that indicated I have an investment account with Robinhood. I do not and have never had an account with that company. I have tried to contact them and there is no way to contact them unless you have an account. So, I'm stuck. I am a victim of identity theft and have cleared many fake accounts on my own, but this one I can not even contact the company to notify them that they opened a fictitious account.
Consumer complaint received 2024-10-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc. (AL)

On XX/XX/year> my account was assigned to a XXXX XXXX XXXX ( XXXX XXXX XXXX ) that I did not authorize. The original organization preforms surgical procedures, and prior to any procedure the company has to go through your insurance to find out any co-pays, and you are responsible for paying prior to the procedure, which I did. If the original company that performed the procedure didn't go through verification the procedure wouldn't have been performed for non-payment or would have made me pay the full balance up front. Not sure where the process of filing insurance went wrong. I have repeatedly asked to get this matter resolved. Based on Consumer Fair Debt Collection of Section 15 USC -1692c the collection agency is reporting an account of non-payment to the credit bureaus which is against the law per section listed being that I didn't give permission for this company to receive any information nor to talk with me about the following debt listed by the original creditor XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NJ)

I am writing to formally dispute the validity of the accounts being reported to the credit bureaus by your institutions and request documentation to support the legitimacy of these debts under XXXX XXXX. XXXX, which prohibits financial institutions from securing loans or discounts on the security of their own capital stock. As such, I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a copy of the original instrument of indebtedness associated with the account in question, confirming that the loan or credit line was not issued in violation of XXXX U.S.C. 

Request for Proof of Original Instrument Indebtedness : I request that you provide valid and legally enforceable documentation, including a copy of the Original Instrument of Indebtedness, to confirm that the reported account was not issued in violation of XXXX XXXX. XXXX. This document should establish the authenticity of the debt being reported and prove compliance with this legal requirement.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unable to provide sufficient enforceable proof of the original debt instrument, I request the immediate removal of the account from my consumer report, as mandated by the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX. It is your obligation under the FCRA to ensure the accuracy and fairness of the information reported, and without proof of the original Instrument of Indebtness, the reporting of this account is both inaccurate and incomplete. 

I request copies of all supporting documentation used to verify the accuracy of the account information. This includes any loan agreements, contracts, or financial instruments of indebtness that prove compliance with XXXX XXXX. XXXX the original debt instrument, the account is unenforceable.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland credit and XXXXXXXX XXXX XXXXs are collecting credit card debt for the same consumers. This debt collector represents an inactive debt and is duplicate reporting. Also, I have not received notice of debt ither.
Consumer complaint received 2023-04-08
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. (CA)

The FCRA states that it is EQUIFAX 's gravy duty and responsibility to report correct and accurate information on my credit report and file. However, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These inaccurate late payments include 120+ days past due on XX/XX/2018, XX/XX/2018, XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/ permission to furnish the inaccurate late payments on my report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is CRYSTAL clear that EQUIFAX has violated my rights under the FCRA and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The FCRA states that it is EXPERIAN 's duty to report correct and accurate information on my credit report and file. However, they are NOT doing that. EXPERIAN is reporting inaccurate late payments for the XXXX XXXX XXXX  XXXX account ending in XXXX. The inaccurate late payments include 150 days delinquent on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to XXXX5 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give EXPERIAN written instruction/ permission to furnish the inaccurate late payments on my credit report or file- violating 15 U.S.C. 1681b ( a ) ( 2 ). With all said, it is clear that EXPERIAN has violating my consumer rights and the reporting of the inaccurate late payments has cause me and my reputation severe harm and discrimination.
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (FL)

Experian is forcing me to give them my credit card and buy their service to get onto my free account. I have already fixed this problem once and now they are doing it again. I DO NOT WANT A PAID ACCOUNT, I DO NOT WANT TO GIVE THEM MY CREDIT CARD AND UNTIL I DO, THEY WILL NOT LET ME ON MY ACCOUNT.
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

When closing our refinance loan, Cardinal Financial engaged a closing agent, when preparing the closing statements, Cardinal Financial was responsible for transferring the payments from the previous escrow to the new escrow and paying the homeowners policy for the next year ( or ensuring that there was enough money in escrow to cover it ). At closing we still had several months on our policy. We were billed for the new years policy, then refunded the policy amount then when the renewal policy was not paid as the money was not in escrow and I received a cancelation notice only after contacting Cardinal Financial did they paid the policy. Now due to their errors, there was a deficiency in the escrow account that has caused our monthly payment to increase over {$300.00} a month as we are about to enter a recession. When I presented to above to Cardinal, they did not address this issue but used my neighbors property tax bill ( not mine ) to refactor the escrow account. The names on our tax bill and my neighbors are not anywhere near the same. Cardinal Financial has engaged in a series of mistakes and errors that have been costly to my husband and I.