davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

Experian is violating my rights with keeping account that are past the statute of limitations and unverifiable on my credit file which are and all the account states this item was updated in your XX/XX/XXXX dispute I have disputed in XX/XX/XXXX no investigation was ever completedXXXX # XXXX XXXX # XXXX of XXXX # XXXX of XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2024-10-15
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

When I checked my credit report this morning, I was in disbelief to see inaccurate accounts that I have no idea where they came from. I do this regularly, but this time, out of nowhere, there were inconsistencies. I even tried refreshing the browser to see if it was a mistake, but it wasnt. The inaccuracies remained, and now Im asking for the documents Ive sent to be thoroughly reviewed so I can stop worrying about it happening again.
Consumer complaint received 2024-10-15
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. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (KY)

Date : XX/XX/XXXX To Whom It May Concern : Identity Theft Affidavit I, XXXX XXXX, am providing this affidavit to report that I have been a victim of identity theft. This document is intended to support my request for the removal of my information from ChexSystems, as detailed in my opt-out letter dated XX/XX/XXXX. 
Personal Information : Full 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 Details of the Identity Theft : Description of Fraudulent Activity : Unauthorized transactions and/or accounts have been opened in my name. I have also discovered erroneous information on my credit reports that I believe is a result of identity theft. 
Actions Taken : I have reported the identity theft to the Federal Trade Commission ( FTC ) and/or local law enforcement and have received an Identity Theft Report or Police Report. Attached are copies of relevant documents, including the police report and FTC Identity Theft Affidavit, if applicable. 
Declaration : I affirm that I am the victim of identity theft and that the information provided in this affidavit is accurate to the best of my knowledge. I request that ChexSystems remove my personal information from its database and correct any erroneous entries resulting from the fraudulent activity. 
Please contact me at the provided phone number or email address if further information or documentation is needed. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MN)

I was trying to use Venmos feature pay anyone on PayPal with visa + it didnt work per usual because Venmo likes to make life impossible. My account got frozen. Ive verified my ID with them many times and they tel me that its going to take XXXX days for them to LOOK AT MY ID. I have asked many times via phone via email and app and all I get is I understand and youll have to wait. I have bills Im hungry and Venmo is illegally holding my money hostage
Consumer complaint received 2015-09-30
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: GMA Investments, LLC (MO)

I first received a call from XXXX XXXX with Summit receivables phone number XXXX on XXXX on my employer 's phone at work. I asked that they do not contact me at work any further. She called me later that night on my cell phone and stated in her message that she had verification of employment and verification of income for a matter on XXXX XXXX, XXXX XXXX of residence, and made it seem as if legal action was being taken. On XXXX, I received a call on my cell phone with a message now stating that she will move forward with her audit to get verification of employment and income. On XXXX, my employer received a fax from summit receivables requesting my personal information to include my salary and other terms of my employment, which my employer did not fill out or return to them. On XXXX, my employer once again received a call from them asking to speak with me but I was unavailable at the time. I have yet to receive a verification of this debt from summit receivables as well.
Consumer complaint received 2015-09-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I received XXXX phone calls on my home and cell phone number. I returned XXXX calls, verified that it was a different person with the same first and last name ( but different middle name, birth date, etc. ) On each phone call asked them to cease contacting me. Received XXXX a letter demanding payment. Called again and asked to be removed.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (PA)

I do not owe this XXXX when i called this company Convergent they said it was 10 years ago. Why are they calling me all hours and sending me this paperwork i have attached
Consumer complaint received 2015-09-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I have sent numerous emails and placed many calls to HESSA-NJ class loans about negotiating a feasible payment plan. The loans were taken out for my attendance at XXXX University in XXXX, PA. They wanted XXXX payment per month, but i 'm not able to afford that amount. So i started paying them XXXX per month making an effort to pay what i can afford. Now they are wage garnishing me at XXXX percent each paycheck. With my current income they are collecting XXXX per month. If nj class would simply negotiate this price with me and create a reasonable payment plan, I would pay this amount with no problem. I would even pay XXXX dollars a month, but they wo n't agree to it. Now i am in delinquency and they are taking XXXX dollars per month, which i would pay without a wage garnishment claim. This can be settled in a honest and fair way, without destroying my credit.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MS)

I opened a Macy 's credit card account back in XXXX 2015. They sent my bill to the wrong address and we never received any information about missed payments till we inquired at Macy 's store. Once it was discovered that my address in their system was incorrect, they corrected the issue and sent me a bill. I immediately sent a check for full payment and the check was credited to citibank on XXXX XXXX. A credit card was never sent to my address. They never updated my payment to my account history and it has been 3 months and they have turned my account to the collection agency. I have had multiple conversations with the credit research department at Macy 's, I have sent them all the documentation over 4 times. I have had multiple phone conversations with customer service but the issue has not been resolved. I still keep getting calls from collection and they have reported my delequint account to the credit bureau. This has been a frustrating experience where the company has failed to provide its customers the service they said they would provide. Even after multiple conversations with multiple parties within Macy 's credit department the issue has not been resolved. I have sent my payment in full. The money has been cashed by them. But they never updated my account and now I am suffering everyday dealing with collection people and my good credit is being destroyed. I want to file a complaint against Macy 's credit card ... get my issue resolved. have them fix my credit report. and Not bother me once and for all. Macy 's Credit company is the worst company to deal with. All of them need to be fired for being incapable and stupid.
Consumer complaint received 2015-09-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC. (FL)

Company has asked me for sources of income insisting on using student loan money to pay back loans. My understanding is that student loans are under federal jurisdiction and as per stipulations regarding students loans ; Money borrowed can not be used for purposes other than education. I do not believe it is right consciously knowing that it is not allowed that the company is suggesting using these tactics nor are the personnel qualified to make suggestions of that nature.
Consumer complaint received 2015-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates - they have been calling me and I do n't know what this is in reference to or if it is even legal. As I read through the article in the XXXX XXXX about the CFPB, I see thatPortfolio Recovery Associates is mentioned : " Last week, the bureau announced a crackdown on the nation 's XXXX largest debt buyers -- companies that purchase uncollected debt for pennies on the dollar and then try to squeeze payments from consumers by threatening lawsuits and damage to credit ratings. XXXX of the companies, XXXX XXXX XXXX, is based in XXXX XXXX. The other, Portfolio Recovery Associates, has its headquarters in XXXX, XXXX '' I would really appreciate it if this could be checked into for me. Thank you so much.
Consumer complaint received 2024-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I am, and have been for many years, struggling to deal with my student loan servicer, Navient. I have never defaulted on a loan, it is my highest priority to ensure that my loans are paid each month since I graduated in 2008. They have offered no flexibility at all. They have put me through interest only payments and forbearance in the past, which has significantly increased my overall amount on already inflated loans. They allowed for me, as a young person, to take loans with no cosigner, not understanding the impact, yet I have been taking responsibility for my commitment. I have been enrolled in a 6 month rate reduction program several times, and currently am. But I am going back and seeing documentation where they actually put a bulk of my loans in forbearance, which I DID NOT agree to. Also, when I called six months ago to reenroll in rate reduction, they told me what my " reduced '' payment would be, which was more than my original payment anyway. When I ask for documentation or notification of why they just say things like the government controls the rates. I NEVER receive paper mail for then regarding ANYTHING on my account. The ONLY communication I get is an email stating when my monthly auto pay is coming out, they love to only communicate when it is about the money you are giving them. For years and years I have just taken it and given them my money, at the mercy of whenever they want to change the rules. They never provide the documentation requested. I just scheduled an auto pay TODAY and they wouldn't even provide documentation show the change of date for my account. They rarely provide documents, even when asked, and the agents are trained customer service reps, they are not qualified or versed in explaining details, it just doesn't happen. I don't know what else to do or where to go for help. I ALWAYS ensure this bill is paid, yet they WONT work with me and have signed me up for things like a forbearance without my permission and stating I was being placed in rate reduction. It is all so confusing to begin with, but they keep doing things on the account that are making my financial wellness worse off. Now I am being told my loans are going to another servicer and I have no choice in the matter. The SAME issues presented in the lawsuit again them servicing federal loans is also happening to me, and MANY others, with their private loans. Someone please help. Is there anything to protect us that were forced into privately borrowing.
Consumer complaint received 2024-09-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I notice that my mortgage insurance had increased which increases my monthly payment. 

I call USAA and ask them what the increase was for. The said that the state of FL approved an increase which make my monthly payments up over a {$100.00} more perm month. 
The representative went a over a number of options to see where I may be able to save on my homeowners insurance premiums. There was very much. I had to increase Other perils of my home in order to save {$200.00} a year. 

Under personal belonging they had that amount in stone to {$160.00}, and stated that it could not be modified. Before 2023 I was always able to determine the amount of Personal belonging I wanted covered. Now they tell me that amount is tied to state law. I believe they did that in order to keep me from lowering my personal belonging amount in order to increase my premiums. 

Other Structures they handled the same way. I can not make any changes from {$60000.00}. I believe that this is a way to get more money out the policy holder and charge higher premiums. 

I should have the right to claim what coverage i want for those items, which will lower my premiums.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (CA)

XXXX XXXX is reporting false information related my closed account # XXXX. At no point, my account had insufficient funds. 


Return Transactions Tran Type Date XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Check Number Amount {$150.00} {$100.00} Return Reason Insufficient Funds Insufficient Funds
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (LA)

XXXX XXXX XXXX. 
Authorized Representative of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Follow-Up Request for Immediate Removal of Fraudulent Account Dear Early Warning, I am writing to follow up on my prior communication sent in XXXX XXXX XXXX regarding a fraudulent account listed on my business 's Early Warning report. Regrettably, I have not received a response, nor has there been any action taken to remove the fraudulent account from my report.

Upon reviewing my report, I identified an account with XXXX XXXX XXXX XXXX, that was fraudulently opened in my name without my knowledge or consent. The account details are as follows : - Bank Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX I have also taken further steps since my last correspondence, including filing a report with the Federal Trade Commission ( FTC ), confirming the account was opened as part of an identity theft scheme.

Given the substantial documentation supporting my claim, I now formally demand the immediate removal of this fraudulent account from my business Early Warning report. This matter has already caused significant damage, and failure to resolve this issue in a timely manner will force me to escalate the situation further, potentially involving legal action.

Please confirm the removal of the fraudulent account in writing at your earliest convenience and also Request that XXXX XXXX XXXX update their records. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX. 
Authorized Representative of XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

Yo Hope you good Im reachin out to tell you I dispute the debt under the Fair Debt Collection Practices Act No need for more proof or documents Im just lettin you know I aint with it If you need to reach me do it by email only Monday to Friday from XXXX to XXXX east coast time Anything else like live calls voicemails or sendin mail through XXXX XXXX or XXXX is just too much of a hassle Thanks for gettin me
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: JPMORGAN CHASE & CO. (NY)

Sometime last month I went to deposit a small check only to see my bank account had a negative balance from over XXXX XXXX XXXX quickly found out it was all about a website XXXX, a betting website.I have continued to try and understand how this happened and explained this to chase many times.The bank then returned the funds pending their investigation.I now am being told that they have decided against me in this case.I can not understand any of this .Most importantly as Ive been saying why did chase allow these transactions to go on when they shouldve known I have never made these type of charges in 20 years!!! Had chase notified me in any way this is a problem that couldve been stopped..This is a failure on chase whom Ive banked with exclusively and I dont find their decision acceptable in any way
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (CA)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-09-19
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (CA)

In XX/XX/XXXX my Mother, XXXX XXXX XXXX XXXX away leaving a Reverse Mortgage held by PHH Mortgage Services XXXX On XX/XX/XXXX I wrote to PHH asking for a 90-day " marketing '' extension on foreclosure on my Mom 's property to empty the home she had lived in for 30 years, paint it and ready it for sale. On XX/XX/XXXX, day 90 of this extension I submitted a listing agreement with a Realtor with a sale date of XX/XX/XXXX. Apparently though, on XX/XX/XXXX, day 89 of the extension, PHH placed a default notification on the home. 

This notification will make the home harder to sell and I don't think our family will be willing to clean, paint and stage the interior of the home but will just walk away from it. 
There is also a Tenant who is a hoarder in the lower unit whom we are trying to evict. 
We wouldn't evict him. 

The lender PHH would actually not be able to recoup the amount owed on the house if this occurs. AND I feel that PHH is operating in bad faith by foreclosing on the house 1 day before the 90 day deadline.