davidheineman/consumer-finance-complaints-large huggingface dataset:
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: WELLS FARGO & COMPANY (FL)

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to WELLS FARGO. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the fraudulent accounts. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Chime Financial Inc (TX)

I am a student at XXXX XXXX in XXXX Texas. School started on the XXXX of XXXX, and XXXX XXXX uses XXXXXXXX XXXX as their servicer for student refunds for Financial Aid. A student can either get XXXXXXXX XXXX  student green card if they do not have a personal bank. I was using Chime as my provider because I also use them to get my XXXX Checks. Chime has always been reliable for these direct deposits, but on the XXXX of XXXX XXXX XXXX  sent to Chime my Financial Aid refund. I call everyday because I keep getting told that yes they have the disbursement and that it will clear later that day, and XXXX  days later I still do not have my disbursement. I am an Account Holder, and am in good standing. When I found out that Chime had my disbursement I took my car to the shop. It is my only car, and repairs have been made but the auto repair shop will not release my vehicle until I have paid them and each day it is there it is XXXX dollars a day. At the rate I am going my bill at the repair shop will be almost my entire disbursement. I am working towards my XXXX XXXX and never have had this problem. Now when I call Chime, its as if I am bugging them and they are rude to me having hung up on me, one even told me patience lady. I am behind on my rent, need my car back as I currently was diagnosed with XXXX XXXX, and have doctor 's appointments that I have missed. I'm asking for your assisstance to get this matter resolved.
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: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC (IN)

tried to use my Revvi credit card to pay bills and cant use it because they want to place a lock on it my credit limit is {$300.00} my balance is {$130.00} said i they have to check paperwork to unlock it. I checked with the XXXX XXXX COMPLAINTS AGAINST THIS COMPANY phone number is XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There's multiple mistakes that is reporting on each of the 3 bureaus differently. The creditors are 1. XXXX XXXX XXXXXXXX 2. XXXX XXXX 3. XXXXXXXX XXXX 4.XXXX XXXX I have tried multiple times in TRYING TO get IT Resolved. But every time you have failed to delete the items and they continue to show the INNACURACIES. From payment history to date started just to name a few of the mistakes being reported.Each of the 3 consumer reporting agencys have failed to fix it. And continue to have inaccurate and incomplete reporting to post without being fixed. It supposed to have maximum accuracy and this is far from it. Please follow the law and delete those listed items.

Heres the United States code/ law showing that its your job to delete theze items from reporting. They have failed to fix the mistakes gor months and there is just too many mistakes from the accounts that And it is your responsibility to and it is the law to delete these items from reporting on my credit reports moving forward.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Those are the laws that is forcing you to now delete each of the listed items from reporting on XXXX, Transunion, and XXXX. Please follow the law and delete these items. Failure to do just that will result in a lawsuit being started for each bureau that didn't do the right thing and follow the law. Thank you for reading this dispute I look forward to hearing back from you guys and getting these items deleted asap. Thanks and God Bless! 
I'm also attaching My ID front and back my SSN and a bill with my name and address on it FOR IDENTITY PURPOSES. And I'm attaching A Identity Theft Report that shows that this is a real ongoing issue.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently did an investigatoin on my credit report and found several items on there to be inaccurate. under 15 U.S.Code 1681a ( b ) accuracy of report whenever consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code 1681 ( 5 ) Treatment of inaccurate or unverifiable ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information dispute by consumer an shall ( 1 ) promptly delete that item of the information as appropriate based on the result of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer immediately... .remove please ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  thanks ....
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KY)

I recently changed my legal name, and I have made exhaustive attempts to explain my situation to Experian. 

On XX/XX/XXXX, I mailed Experian a letter explaining that I legally changed my name, and that my creditors have already updated this information in their records. I asked Experian to follow suit and update their records with my current name. Attached to my letter, I included copies of the verifying documents requested on Experian 's website. The website requested a copy of my ID, a copy of my checking account statement, and a copy of name change order. 

On XX/XX/XXXX, I received a letter from Experian. The contents of their letter made it seem as if they believed my current name and former name were separate individuals. On that date, I sent a letter back explaining that my former name and current name are the same identity. I rephrased my request to update Experian 's records with my current name as well. 

On XX/XX/XXXX, I received an email from Experian 's dispute department stating my issue had been resolved. However, when I reviewed my credit report, it only had my old name. My Experian account only listed my old name as well. I attempted to reach Experian 's customer service, but I could not reach a representative, and Experian 's AI was not able to comprehend the complexity of my situation. Experian did not explain why the report wasn't updated. 

That day, I discovered that their dispute department has an online portal where one can upload identity documents. Through that portal, I resubmitted the documents Experian 's website claimed was needed to prove that I legally changed my name ( my name change order, my ID, and a checking account statement ). 

On XX/XX/XXXX, Experian confirmed that they were processing the documents via email. 

Today, XX/XX/XXXX, my bank sent me an email stating that I filed an FCRA dispute against them. I did not. I logged into my Experian account, and Experian left me a notification claiming that my dispute is with my bank. They seem to believe my bank has the incorrect name when they do not. 

As I previously explained in my letters, my creditors have the updated name. It is EXPERIAN that only has the former name. If Experian referenced the documents I gave them, they would realize that the name on my ID matches my checking account statement. I submitted the documents hoping EXPERIAN would update my credit report with the current name, and that they would stop using my former name in correspondence with me. As I explained in my letters, the checking account statement was meant to serve as a piece of evidence that I have changed my legal name. 

Once again, I attempted to reach the phone contact Experian provided, but I was not given the opportunity to speak to a representative. 

I'm immensely confused and not sure how to proceed.
Consumer complaint received 2024-09-06
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: CREDIT ACCEPTANCE CORPORATION (IL)

These inquires were made without my knowledge or consent, and as such, I request that it be promptly removed from my credit report. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I just opened this card in XXXX, but never received the card in the mail. I called the credit card company to request a new card be sent because I never received the first one. The credit card company said they were sending me a new card and were waiving all late fees. Once I got my credit card in the mail, I then made a credit card payment of my full balance minus the late fees because they said they were waiving the late fees. I even called a second time to make sure all of the late fees were being waived because it had been a couple months since I opened the account. They assured me they were waiving all late fees. Yet, then they reported a {$55.00} late fee as a missed payment to the credit bureau. Its the first missed payment that Ive had reported to the credit bureau in my 17 years of having a credit card. This late payment reporting reduced my credit score overnight by over XXXX points. I called the credit card company again after I saw this late payment posting, and they removed that late fee, but refused to remove the late payment reporting to the credit bureau.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Penn Credit Corporation (PA)

Penn Credit Corporation is in direct violation of my XXXX Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions Penn Credit Corporation was informed THE FOLLOWING account information being FURNISHED to Penn Credit Corporation and reported by Penn Credit Corporation is in fact inaccurate and they continue to report. Penn Credit Corporation is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts ( include accounts ) In addition, Penn Credit Corporation was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, Engelhardt v Graven ( MO ) 281 sw 715 719 I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXX There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. XXXX and XX/XX/2023
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (IL)

Dear Credit Corp Solutions, I am writing to formally dispute the debt referenced in your communications and to assert my rights under relevant consumer protection laws. Please be advised that I am disputing any and all debts that you claim I owe. This letter serves as my formal notice that I do not acknowledge any debt or obligation to your agency. As such, I request that you cease all communication with me via email, text messages, phone calls, or U.S. mail. In addition to disputing the debt, I am requesting that you provide the following documentation : 1. Validation of the Debt : Please provide proof that I am legally obligated to pay this debt, including a detailed account of the original amount and any adjustments or fees added. 2. Purchase Agreement : Send me a copy of the agreement or contract between your agency and the original creditor, demonstrating your right to collect this debt. 3. Proof of Licensing and Bonding : Provide evidence that your agency is properly licensed and bonded to collect debts in my jurisdiction. Please be advised that my dispute and requests are based on violations of the following consumer protection laws : 12 CFR 1006.34 ( b ) ( 5 ) This regulation addresses the requirement to cease communications with a consumer upon request. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This regulation relates to the validation of debts and the necessity of providing verification when requested. 12 CFR 1006.34 ( d ) This pertains to the prohibition against continuing debt collection efforts without proper validation. 15 USC 1681-S2 ( 7 ) ( A ) This provision under the Fair Credit Reporting Act requires that entities ensure the accuracy and validity of the information they report. Due to these violations, I request that this debt be removed from all records and reporting agencies. Any continued reporting of this debt after receiving this dispute will be considered inaccurate and in violation of consumer protection laws. Please acknowledge receipt of this letter and confirm that you will cease all collection activities and communication until you have provided the requested validation and documentation. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I am reaching out regarding private student loans I took out through Navient from XXXX to XXXX totaling {$XXXX} as of today, XX/XX/XXXX I owe {$XXXX}. This about has more than tripled from when received. I have made multiple payments since starting repayment on this loan in XXXX. I have requested any type of assistance programs that would reduce, lower my interest rate or forgive any parts of the loan to no avail. Private student loans have limited to no types of repayment assistance of forgiveness programs which prevents those who took these loans out due to poor education from the financial aid office on schools campuses or due to lack of credit XXXX XXXX XXXX 's, like myself, had at that time. My current payment options exceed what I can realistically pay and with no type of assistance I find myself with a lower XXXX XXXX that not even bankruptcy can assist with. Due to that fact that Navient has lost a land mark case with the Consumer Financial Protection Bureau for misleading borrowers about programs that exist. I expected to hear something from Navient however I only have receive yet another bill I can not afford.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

Subject : Incorrect Dispute Comment on Credit Reports Causing XXXX XXXX Harm Dear CFPB, I am filing a complaint regarding my mortgage servicer, PennyMac Loan Services , LLC ( XXXX ), for incorrectly placing a dispute comment on my credit reports, which has resulted in a XXXX drop in my XXXX XXXX. XXXX 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 XXXX online payment system, which does not credit payments on the same day they are made. This has caused certain payments to appear XXXX or more days late, which is not the same as disputing an item under the FCRA. 

XXXX 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, XXXX has harmed my XXXX XXXX unnecessarily and inappropriately. 

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

I request that XXXX immediately : XXXX. Remove all comments related to the alleged dispute from my credit reports with all credit reporting agencies. 
XXXX. 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 XXXX complies with their legal obligations. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

In XXXX, I traded in my 2 vehicles for a Used XXXX XXXX XXXX, and I was told the vehicle was only worth {$13000.00}, I'm paying for more than what the vehicle 's worth. I feel like I'm paying for a brand new ride, I'm being cheated out of my money, deceived, and ripped off, this isn't fair, I noticed that my credit reports and my FICO with my XXXX XXXX XXXX Account statements say the Original Price as {$13000.00} and the lowest I dropped the vehicle payment to XXXX. The vehicle should be at XXXX. The vehicle isn't drivable and it had a lot of problems when we got it. We are being scammed and frauded out of my hard-earned money, I'm not paying Credit Acceptance until this situation is settled. The right amount is fixed to XXXX and to lower the interest rate, because they screwed me over big time. I want Credit Acceptance to own up to the consequences because we are not the only ones being scammed by Credit Acceptance Corp,
Consumer complaint received 2024-09-12
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: CITIBANK, N.A. (CA)

XX/XX/XXXX COMPLAINT FILED. 
Opted Out in XX/XX/XXXX sell of my PRIVATE INFORMATION The Privacy Act of 1974, as amended, 5 U.S.C. 552a -The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, XXXX 15 U.S.C . 1666b : A creditor XXXX NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose. 

NEVER HAD A CARD FROM XXXX XXXX. wrong balance wrong payment dates wrong open and closed date