davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (PA)

Date : XX/XX/XXXX This is my third attempt to have this issue resolved. 
I am writing to formally dispute the inaccurate and harmful information regarding my account with XXXX that appears on my credit report. After thoroughly reviewing the account details, I believe there are several errors that not only violate my rights under federal law but have also caused significant XXXX  XXXX. I request the immediate removal of this account from my credit report. 

Issues with Account Reporting : Inconsistent and Inaccurate Charge-Off Reporting : The account is reported as charged off with a balance of {$460.00} written off in XX/XX/XXXX. However, the account is continuously marked as charged off through multiple months in 2023 and 2024, which is inconsistent with standard reporting practices. Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, this inaccurate and inconsistent reporting is a violation of my right to have only accurate and complete information appear on my credit report. 

Failure to Verify Information : The discrepancies in the reported charge-off status and payment history indicate that proper verification may not have been conducted. Under FCRA ( 15 U.S.C. 1681i ( a ) ), credit bureaus are required to verify the accuracy of any disputed information. The extended and repeated charge-off reporting should be investigated, and if the information can not be verified, it must be removed from my report immediately. 

Misrepresentation of Past Due Amounts and Balance : The report lists varying past-due balances and a continuing charge-off status over multiple months. Under the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e, it is unlawful for creditors or collectors to misrepresent the nature or status of the debt. The ongoing charge-off reporting may violate this section of the FDCPA by misleadingly suggesting that I am repeatedly defaulting on the debt, which is inaccurate and harmful to my credit standing. 

Failure to Update Account Information : There has been no indication of recent payments or updates to the account balance, further suggesting a violation of FCRA ( 15 U.S.C. 1681s-2 ), which mandates that creditors report accurate, complete, and up-to-date information. If no recent activity has occurred, the account must reflect this accurately and not list repeated negative actions over the past XXXX years. 

Request for Removal and Relief : Due to these violations of the FCRA and FDCPA, as well as the resulting stress and hardship this situation has caused me, I respectfully request the immediate removal of this account from my credit report. The inaccuracies, inconsistencies, and failure to follow proper reporting standards have not only hurt my credit score but have also caused significant XXXX XXXX.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NC)

i was Making Payment to PayPal every Month on Time, but i've Noticed that The Company was Charging me Extra fees for no Reason i was Paying over a year and my Balance keep Increasing Rather than Decreased I Contacted the Company Via Phone on XXXX this year and didnt get any Result than i sent them Letters over and over on XXXX XXXX XXXX and asking them for over Charges fees no REsponse at all than i Closed my account and the Company still Charging me fees for closed account. 
the company also hurt My Credit Score by Reporting Negative Report to Credit bureau
Consumer complaint received 2024-09-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE (TX)

I am writing to formally dispute the debt you are attempting to collect, as I am not responsible for this debt. I contacted XXXX XXXX XXXX multiple times and explained that the insurance company had already sent a check to them. At my request, the insurance company resent another check, which XXXX XXXX XXXX failed to collect, resulting in the check being forwarded to XXXX unclaimed property. 

On XX/XX/2023, I received a letter from XXXX XXXX XXXX. Following that, the insurance company contacted XXXX XXXX XXXX by faxing the explanation of benefits ( EOB ). On XX/XX/2023, I formally disputed this claim, giving the EOB and payment for the deductible that I owed. According to my dispute, XXXX collected the check. Furthermore, per the attached XXXX letter, collection efforts should be stopped until they send new information, and no such information has been sent to me. Since XXXX has already collected the check and there has been no further communication since XX/XX/2023, it is an indication that XXXX has closed the collection. 

Please find attached the following documents for your reference : XXXX  Letter The dispute letter I sent to XXXX. 
The explanation of benefits from the insurance company. 
The check I sent and confirmation of its processing. 
Given these facts, I respectfully request that you cease any further collection efforts related to this matter.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (LA)

This account is too old to be on my credit report its against the federal law to still have this on my report I was affected by the XXXX disaster was unable to pay any of my bills. My financial status had changed. several times to disputed of my credit report, I even contact the original credit to to see if they could have help, but was unable to succeed XXXX XXXX XXXX  sold this account to LVNV Funding LLC And I keep filing complains against this company to have this account removed off my credit report Im keep getting emails and calls from them I asked them several times to stop with the unwanted phone calls!
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me,
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

I am writing to request the removal of a credit inquiry that appeared on my credit report from SYNCB ( XXXX ) dated XX/XX/year>. This inquiry is listed under SYNCB ( XXXX ) and was not authorized by me. 

I did not give permission for this inquiry and believe it to be incorrect. As this inquiry is negatively impacting my credit score, I kindly ask that you investigate this matter and promptly remove the inquiry from my credit report. 

Please confirm receipt of this letter and inform me of the actions being taken to resolve this issue. Should you require any additional information or documentation to process my request, please contact me at [ your phone number ] or [ your email address ]. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-11-18
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. (FL)

Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Experian Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Experian has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information. 
o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information. 
o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Experian failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : XXXX XXXX Account Number:XXXX Present below the inaccurate information persistently affecting my credit report.
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: AVANTE (FL)

I pulled my credit report and noticed an account that I did not recognize. I disputed the account with a dispute letter referencing consumer law U.S.C 1692g Validation Of Debt. In the letter I asked for payment history, original purchase agreement and bill of sale. As well as start date close date. I would like this item removed off my credit report. Thank you
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

A XXXX  XXXX account has been opened in my name. The account is in debt and has late payments. I have no authorization of this account or any transactions used by the card holder. Im suffering bad credit and Im asking questions about what can I do to dispute this fraudulent account. The account has access to all my information only accessible from tax preparers or online hackers/fraud experts. I have no contracts with any company that Ive seen personally online or in the bank. I believe someone stole a card and activated it using my personal information pretending to be me.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

I contacted American Education Services ( AES ) to resolve a past due payment on my account. I was informed that my ability to make online payments had been blocked. I was advised that I could only mail a check or money order, as debit or credit card payments were not accepted. I expressed my frustration because, despite being blocked from making online payments, AES continued to report my loan as past due or delinquent to the credit bureaus. I was told that while direct debit would cover future payments, it wouldnt address past due amounts. I was advised to check back in a few days for a possible reinstatement of online payment options.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc. (UT)

This is a continuation of a claim filed and closed by agency. Previous complaint number is : XXXX, and XXXX. 

In previous complaint, company indicated that they had closed the account : " Hello, RMS-Recovery Management Services has closed the consumer 's account. Any questions will need to be directed to XXXX XXXX XXXX directly. Sincerely, XXXX XXXX '' However, there is still a collections action posted on my credit report with the agency 's name on it. Therefore, it leads me to believe the agency, RMS, is acting id bad faith and being desingenious. Lying is completely against the law and they are trying to get around the system by publishing statements that are not true. 

This is the third complaint created against this company, Recovery , Management Services ( RMS ) and they still are our of compliance with this issue. How many more times do we have to file complaints against RMS so that they may resolve this issue once and for all?
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (TX)

deposited 2 checks. They were put on hold. No problem! My account got suspended. I called multiple times. Ive got lied to every time. They told me once the check clears my account will be unlocked. The checked is cleared and has been cleared. They are holding my money XXXX. I need my money. You guys verified the checks. The checked are paid. They are saying my account is getting cleared. They did not explain why.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company collected debts outside of the statue of limitations. They also harrassed me calling all hours of the day and well into the evening, for which I have the phone records. They failed to provide me any information about removing credit from credit report and falsely claimed they would do that before amending their website.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (CA)

My SoFi Bank Account was restricted/closed in the middle of XX/XX/2024 & they wont give me a reason why, I believe someone accessed my online account & made fraudulent activity. I dont know that for sure but that was only thing they told me that there was fraudulent activity with my account. SoFi wont give me a reason why or how, or when will they release my available funds left
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 


XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MI)

Requested validation of the debt from the original creditor XXXX XXXX to which now JEFFERSON CAPITAL SYSTEM the debt buyer have been reporting the open account open and active since the purchase to which XXXX XXXX have charged off and closed the account prior selling it to jEFFERSON cAPITAL sYSTEM
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (PA)

Subject : Incorrect Dispute Comment on Credit Reports Causing Credit Score Harm Dear CFPB, I am filing a complaint regarding my auto loan servicer, Ford Motor Credit, for incorrectly placing a dispute comment on my credit reports, which has resulted in a XXXX drop in my credit score. Ford Motor Credit stated that I filed a dispute under the Fair Credit Reporting Act ( FCRA ), and that the dispute has been resolved. However, I never filed a dispute regarding the information on my credit reports. 

What I did file was a complaint with the CFPB about Ford Motor Credits online payment system, which does not credit payments on the same day they are made. This has caused certain payments to appear 30 or more days late, which is not the same as disputing an item under the FCRA. 

Ford Motor Credits decision to treat my CFPB complaint as an FCRA dispute is a significant error and distinction. Under 15 U.S.C. 1681s-2 ( b ), creditors must ensure the accuracy of information furnished to credit reporting agencies. Filing a CFPB complaint about their faulty payment system does not constitute a dispute regarding credit report inaccuracies. By falsely categorizing my complaint as a dispute and placing that comment on my credit report, Ford Motor Credit has harmed my credit score unnecessarily and inappropriately.

This misclassification of my complaint has caused me financial harm through the unjustified drop in my credit score. Furthermore, Ford Motor Credits actions violate their responsibility under the Fair Credit Reporting Act ( FCRA ) to furnish accurate information to the credit reporting agencies. 

I request that Ford Motor Credit immediately : 1. Remove all comments related to the alleged dispute from my credit reports with all credit reporting agencies.

2. Take corrective measures to ensure their processes accurately distinguish between complaints filed with the CFPB and disputes filed under the FCRA. 

Their failure to remove these incorrect comments continues to cause harm to my creditworthiness and was done without any basis under the FCRA. I ask the CFPB to investigate this matter thoroughly and ensure that Ford Motor Credit complies with their legal obligations. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (MI)

Navient illegally deprived me as student borrowers of opportunities to enroll in more affordable income-driven repayment plans and tried to forced me to pay much more than they should have. I'm totally confused as to why it happened to me and also caused my personal info to show up on the darkweb, be involved in data breaches, and stolen identity. I would like to get this settled and would like to have all loans that involved Navient, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX to be forgiven, repaid or refunded to me, erased, etc... whichever is feasible to consider or appreciate. I would also like XXXX and or the company XXXX, XXXX XXXX to be looked into as they could be part of it.
Consumer complaint received 2024-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (GA)

I am a victim of identity theft through experian files being hacked. When this happened I put a lock on my credit profile and filed XXXX  to clear all debt. This was in XXXX. I received a notice in XX/XX/XXXX for an unauthorized account from XXXX. I reported to the debt collection company and experian that this was not my account and asked for each to provide any documents that shows my identity, my signature or any relevant documents to prove I opened this account. Neither could provide such information. I asked for this to be removed from my credit file and neither has removed this information. This is causing irreparable damage and harm to my credit standings. From credit report : XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$XXXX} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX XXXX company now is trying to collect on the sale debt that was already removed after no information was furnished. As a small business owner it hurts my credit and ability to provide for my family when I keep getting denied due to this debt popping up every 6 months that I dont owe.