davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (VA)

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 XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (PA)

My Venmo account was compromised and money was being spent so I changed my password, email and requested an new Venmo card. The person I talked to over the phone went and disputed the charges I didn't authorize and sent an card on it way, I wasnt told Id be locked outside my account but I was I received an email telling me my account was frozen then suspended, stating Ive broken the user agreement when I went through the user agreement I found nothing I did was wrong. So I verified my identity for them to tell me my account has been permanently suspended for no reason. I tried to contact the person who said this but couldnt reach them so I called Venmo support to try and figure out whats wrong and they told me the XXXX put my account/funds on an 180 day hold.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (SC)

I reached out to the XXXX, XXXX and XXXX to investigate the reporting. They reached out to the company Plaza Services, and the company was unable to provide signed contracts that I was responsible for the debt. In return, the agencies removed the debt from my credit report. Later the company resubmitted the debt.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

1. I am writing in reference to the lien release document dated XX/XX/XXXX, concerning loan number XXXX. 

2. This document states that my loan of {$10000.00}, originated on XX/XX/XXXX, was paid in full on XX/XX/XXXX. 

3. The lien release is notarized by XXXX XXXX, adding legal verification to its contents. 

4. I am concerned that my credit report does not accurately reflect the information contained in this official document.

5. I request that Navy Federal Credit Union review their records and ensure that my credit report accurately shows this loan as paid in full as of XX/XX/XXXX. 

6. Navy Federal CU has posted a personal loan to my credit for a duration of over 4 years erroneously, it is demanded this is removed.

7. Please provide written confirmation once you have completed all necessary corrections to ensure accuracy in credit reporting.

7. The lien release is a legal binding document, Navy Federal Credit Union is in violation of the protections afforded under the FCRA.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Advantage LNS Inc. (DC)

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 states section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-ended Consumer Credit plan as late for any purpose.
Consumer complaint received 2016-07-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (GA)

I accidentally transposed XXXX numbers on my direct deposit form with my company, the routing number was correct but XXXX numbers on my account had been transposed. My card service, serve by American express is refusing to return my direct deposit funds to me. Can anyone help me? I 've talked to them and they 've claimed there 's nothing they can do, they spoke with my payroll as well.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account 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
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/year> I was on XXXX and clicked on story about XXXX my computer began alarming, text said I was infected with XXXX and call XXXX. I did and XXXX XXXX answered, said my phone was compromised, made me install XXXX XXXX he looked in it and said my credit card had been used to purchase XXXX XXXXXXXX and could be arrested. He connected me to Chase, which the beginning robo thing played, every time, I called, you have reached Chase, press XXXX for..etc. XXXX said I was in big trouble, the credit card charge couldn't be reversed as it was paid out, he said I needed to create a duplicate charge. He made me take {$10000.00} out of my banks in cash and go to a gas station in XXXX and deposit it in bitcoin, that would reverse the charge. XXXX XXXX while he was in my computer moved {$90000.00} from XXXX XXXX XXXX to my Chase bank. They kept telling me local Chase people were in on the scam and I had to move my money to protect it. XXXX XXXX made me make a cashiers check for {$80000.00} and send it to the XXXX address overnight. No one at Chase pushed me as to why I was doing that. That night my daughter came home from vacation and said it was a scam. I placed a stop payment XX/XX/XXXX by phone, the day it was sent, and XXXX and I went to the bank the XXXX to further pursue it. Even though I heard Chase recordings on every all and I stopped payment the same day, Chase won't help me. I can find no access to XXXX XXXX to get that money back, no payouts in XXXX Please help me, I'm XXXX, have no pension, only Social Security and thet took all my savings
Consumer complaint received 2024-09-13
Product: Debt or credit management — Student loan debt relief
Issue: Didn't provide services promised — 
Company: MOHELA (CO)

I applied for the SAVE plan with MOHELA in XXXX. It's now XXXX. The plan is on hold but they totally messed up every step of the way. I'm a professor. I have a XXXX  from XXXX. Believe me when I say, they're rude and incompetent. Fine them and drop them. 

MOHELA is terrible.
Consumer complaint received 2024-09-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

I requested and was approved for a Private Student Loan Misconduct Application from Navient. My Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from The XXXX XXXX. There has already been several settlements from Navient for widespread, unfair and deceptive student loan servicing practices and abuses in originating predatory student loans for for-profit schools, such as The XXXX XXXX. They held onto my application for XXXX days and ended up Denying my application and provided me with the following reason : 'Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ' There is no actual reason for the Denial given. This is another dishonest action from Navient to keep frauded student loan borrowers stuck indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and The XXXX XXXX tied to these loans. There is no reason my application should have been denied.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Valon Technologies, Inc. (VA)

I noticed that within XXXX hours for some reason my credit score has fallen tremendously onSept XXXX. I have been researching all day almost trying to figure out what has occurred or going on. I finally detected it after I gained access to my XXXX to freeze my files. But took the time this evening to investigate even more of my suspicions that I noticed on XX/XX/year>, my Valon Mortgage Account. At XXXX, I noticed that I could not log into my account with my credentials and password. I checked again and it was right. The website looked different and I was so puzzled what are they doing and where is my mortgage information or payments etc. Something was off. 
I was upset and closed and retyped XXXX to access my account. I tried my credentials again and it worked. I began researching why my credit score dropped XXXX points on XXXX then went and looked closer at my data on XXXX I did a free credit report inquiry on myself discovered something verysuspicious and tied it to a text message that XXXX  received on XXXX. I could not use my account credentials and password to see what the heck was on this application, I knew something was wrong besides a payment incorrectly applied to my account for XX/XX/year> that they mentioned they would fix also of {$25.00}. Like how can one make an error saying I still owe when I paid it on full on XX/XX/XXXX of the {$830.00} total. How can one not see that and still have the nerve to produce a XXXX mortgage statement like I still have an outstanding late fee of {$25.00}. With a statement saying I'm XXXX days late. How Indicated at unapplied balance {$25.00} to add to {$780.00} when my monthly mortgage payment without late fee is {$810.00}. 


For the suspicions that my account fraudulentlyhad a loan application opened without my request, I demanded an internal investigation to see what employee or who had access to send me a text message on behalf of XXXX XXXX  which is connected to Valon Mortgage. My ticket number regarding the unauthorized mortgage application XXXX which the Customer Service Agent gave me for my record.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (CO)

Huntington closed my account for no reason which causes them to keep denying a dispute i had filed dispute number is XXXX Amount is XXXX $ XX/XX/year> The merchant agreed to the refund but huntigton wont even investagete the chargeback have numerous emails with the merchant XXXX trying to process refund
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2016-12-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Michael Harrison, Attorney at Law (NJ)

I have received a bill from Michael Harrison whom is attempting to collect a debt that was paid by my insurance company. The amount is XXXX $ and the insurance provider that I had at the time was XXXX under the XXXX XXXX # XXXX. The bill for the procedure was in XXXX of 2015 and I did have coverage at that time. XXXX phone # is XXXX. I am currently in collections with Michael Harrison and I would like this removed from my credit because this bill is paid. The original creditor is XXXX XXXX and account # XXXX and their phone number is XXXX.
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (CA)

XXXX XXXX XXXX sent me to collections for a bill for services that were never rendered. XXXX was also extremely aggressive with monetary threats to get me to agree in the first place. I feel coerced into the initial agreement, and sending me to collections for a bill for services that were never rendered is absolutely illegal.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (VA)

XXXX XX/XX/XXXX My XXXX XXXX card texted me letting me know someone had run a credit verification. I called them & it showed XXXX XXXX had an application, I called them & it showed an online application had been made from XXXX, Georgia. I told them it was fraud. I then went on to XXXX to put a Fraud Alert. 

Mon. XX/XX/XXXX I received an email threatening me if I don't pay {$2000.00} in XXXX. I logged into a my Truist Bank & saw XXXX deposits and XXXX withdrawal for Account verification from XXXX. 
I called them & showed nothing, noted my acct & have subsequently closed it all together since I've never had any banking info listed. 

When I called Truist bank the put a block and told me I had to make an appt for the following day to close it and open a new acct. 

XXXX Went into bank for my XXXX appt & dealt with Manager, XXXX. See initially saw theXXXX withdrawal from XXXX and the subsequent deposits of XXXX & XXXX - I asked for a printout for my own records & I noticed the XXXX were not listed. She then went into another window/report & saw that XXXX XXXX XXXX XXXX XXXX had attempted to withdraw {$9800.00} and XXXX after the XXXX all return since I had alerted the bank. 

Same day I opened a new acct. 

XXXX XX/XX/XXXX again XXXX new transactions credit for XXXX and XXXX debits XXXX & XXXX under ACCT VERIFY XXXX XXXX XXXXXXXX XXXX. I had to give the bank the references numbers for them to call some back office where finally i obtain info : Trace # XXXX CompanyID # XXXX XXXX XXXX XXXX XXXX  XXXX which they in turn they handle matters for XXXX XXXX XXXX Spoke with XXXX who after giving her my SSN she asked I called XXXX XXXX XXXX. Spoke with XXXX in Fraud who after I shared the story asked my name & said they had received an application that had been flagged since it looked suspicious & was denied just like the XXXX XXXX. The XXXX # is XXXX & said to tell Truist to send a recall to XXXX. 

I now have to watch acct & all debits have been blocked. I am not sure if it is someone from Truist. The bank said it was most likely my apple desktop or phone. 

I called XXXX who went over it & found nothing suspicious plus I have malware on system. Called XXXX & did the same for my phone. 

I didi forget to mention back on XX/XX/XXXX XXXX sent me a letter telling me data had been breached & they service my mortgage & the only draft I had with Truist. I called them too & they are saying matter was addressed & it has been too long. 

I need help and I m going to run out of time on website, still have to upload all paperwork. 
Thank you.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TX)

RE : XXXX  Block Request Dear Sir or Madam, I am writing to inform you that I am a victim of XXXX XXXX. Due to my involvement in this situation, certain information appearing on my credit report is directly related to actions taken by the traffickers. This letter serves as a formal request to block and remove this information in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

Below is a list of accounts and inquiries that are the result of this XXXX and should be blocked immediately. 

Accounts to be Blocked : XXXX. XXXX XXXX Request for Immediate Action : Pursuant to Section 605C of the FCRA, please block and remove this information from my credit reports within four business days. Additionally, I request written confirmation of all actions taken in response to this request. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX Enclosures : Proof of identity XXXX documentation ( from a federal, state, local, or tribal governmental entity )
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

Ill start out by saying that I am a victim of identity theft, and Ive had account after account B unlawfully accessed online by unknown individuals On XX/XX/XXXX, I transferred {$120.00} into my chime checking account which is managed by XXXX. 
Within moments, my account had the {$120.00} charged at a vendor named XXXX. 

I discovered the transaction on about two days later and contacted Chime to dispute the unknown transaction and Chime contacted me within about 30 hours 35 hours with the posting on the profile stating that it has been investigated and fully determined that the transaction that I had disputed had incurred no errors in the transaction and that there was no actions to be taken because the transaction had no errors? 
I didnt realize my card had been missing because I still had an old card in my pocket in my wallet so if I do not have my debit card, a transaction that I am unaware of shows up, I cant see how that they would accept that as no error errors! I contacted them again within a couple of days from the date of the investigation being completed and appeal their decision and it was denied again within a day or so, and I contacted them and I reported my identity theft report that I had submitted to the FTC and allowed Chime to know that I have been victimized by a identity thief and its been ongoing! They had me submit my FTC report and reopen the dispute and its been some time now and I have not even seen any updates on their website. If I look up the transaction it implies that its been closed, but I get different answers when I call them if Im not mistaken regulation E covers a fraudulent transaction made through electronic funds transfer?
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (PA)

Subject : Cease and Desist Request Regarding Old Navy BarClays - False Late Payment Reporting To Whom It May Concern, I am writing to formally request the intervention of the CFPB regarding an issue with Old Navy. The bank has falsely reported a late payment on my credit report, which has negatively affected my credit score and financial standing.

I wish to bring to your attention that this action may violate 15 U.S. Code 1666b, which governs the timing of payments and the assessment of late fees for credit transactions. According to this statute, creditors must comply with the requirements regarding the posting and timing of payments to avoid the unlawful imposition of late fees. In my case, I have made all payments on time and in good faith, and the reporting of a late payment is erroneous and without basis. 
Despite my attempts to resolve this matter directly with Old Navy, they have failed to correct the mistake. I respectfully request that the CFPB take immediate action to cease this false reporting by Old Navy and require the removal of this incorrect late payment from my credit report. 
Thank you for your prompt attention to this matter. I trust the CFPB will help ensure that my rights under federal law are protected.
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (CA)

Account cased 13 days after opening and including equipment returned with receipt within 13 sldays. This debt is for an early termination fee. I do not owe with verizon.