davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MA)

good afternoon and hoping everything is going well during this pandemic. Listen, I'm not sure why this collection account continues to report on my credit where I was told that it was going to be removed. It continues to report inaccurate information, unverifiable data. Why is it still here? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VELO LAW OFFICE (MI)

On XX/XX/XXXX I contacted Velo Law Office and was told to send written request to said office to obtain validation of debt and payment statement ( some type of form so that I may submit payment in full via certified mail ). I sent written request via certified mail on XXXX to which Velo Law recieved on XXXX. On XX/XX/XXXX Velo law sent me only a validation of debt letter ( which did not have all correct information ) I again contacted Velo Law on XX/XX/XXXX requesting that the payment statement be sent to me so that I may make payment. I was told by XXXX that I would need to send written request and that if I sent in payment I would receive a dismissal in the mail within 10 days and that a dismissal would be sent to the courts as well ( there is no summon for me with the courts and she told me that she could not tell me what documentation was sent to me or anywhere else and advised me to seek legal assistance if I wanted such information ). I have since contacted my county clerk office, and no court summon has been created against me. I called back to Velo Law the same day and spoke with XXXX, who I informed that I already sent in written request for a payment slip to be sent to me and he said he would put in a request for this to be reviewed and that I should follow up in a week or two. If I was to make payment over the phone they could email me a copy of payment and it would also be sent to my origianl creditor. I would like a statement of collection attempt sent to me so that I may make payment. I would like documentation of debt reported paid in full when I pay. This collection agency has sent zero correspondence to me before I contacted them via phone and mailed in a request for documents. 
I have recorded conversations of all above information, including all contact with Velo Law, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2017-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I HAVE HAD STUDENT LOANS SINCE XXXX BUT IT WAS WITH XXXX XXXX AND SINCE IT CONVERTED WITH NAVIENT IT HAS BEEN A NIGHTMARE.FIRST IM GETTING CHARGED WITH LATE PAYMENTS WHEN I WAS IN SCHOOL AND SHOULD OF HAD IN SCHOOL DEFERMENT, ALSO I HAD OTHER STUDENT LOANS OUT WITH ANOTHER LENDER, BUT IT SEEMS AS NAVIENT HAS THERE OWN PREPARATORY FEES, RIDICULOUS INTEREST MORE THAN WHAT THE GOVERNMENT IS CHARGING. I DID N'T BELIEVE I OWE THE AMOUNT THAT THEY ARE SAYING, ALSO EVERY MONTH MY BILL GOES UP XXXX XXXX A MONTH AND IM ON INCOME BASED REPAYMENT PLAN OF {$0.00}. THIS COMPANY IS VERY MISLEADING IN PAYMENT OPTIONS AND INTEREST RATE AND UNETHICAL PRACTICES. THIS COMPANY REPRESENTATIVES ARE RUDE AND NOT IN THE BEST INTEREST OF THE CONSUMER JUST TRYING TO GET A PAYMENT.I HAVE TRIED TO SWITCH LENDERS AND I CANT, BUT I DID N'T ASK FOR THIS LENDER EITHER FEEL LIKE MY CONSTITUTIONAL RIGHTS ARE BEING VIOLATED AND POSSIBLY SEEKING THE ADVICE OF AN ATTORNEY ABOUT THIS MATTER. PLEASE HELP.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Good afternoon, There were two deposits ( for {$3000.00} ) made to my personal account from XXXX for my wife. JP Morgan and Chase said that the two deposits would be sent back to XXXX and my account would be closed, but that the remainder of my account ( {$54000.00} ) would be mailed to me in a form of a check on XX/XX/XXXX ( 10 days after the initial restriction was placed on my account. ) I called today to confirm that the check for {$54000.00} was mailed, but was told that the entire amount is being restricted after the account closure and that the money can not be sent to me, but instead will be held for 2-3 years and given to the state as unclaimed. I am asking them to mail me a check for my funds, but they are refusing. Please assist. I spoke to 20 different customer assistance clerks, few managers and went to a branch a number of times, with no avail.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Re : Account XXXX XXXX # XXXX I have filed a dispute on this account on XX/XX/2023. This is a repossession and is reporting incorrectly. The bureau has failed to respond and comply with my dispute within the 30 days which is grounds for removal under 15 USC Sec 1681. This account is reporting inaccurately and is hurting my ability to obtain credit.
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

XX/XX/XXXX I lost my job. I was not able to find another job before my note was due in XX/XX/XXXX. XX/XX/XXXX came and went and still was not able to find a job. XX/XX/XXXX I was force to file chapter XXXX. At the time of filing Chapter XXXX I was due for XX/XX/XXXX through XX/XX/XXXX. My payments was XXXX due to the loan modification XX/XX/XXXX. My arrearage was {$1100.00} at the time of filing Chapter XXXX. The amount I paid to my prior and current servicer was {$9500.00}. In my proof of claim that was filed it stated I was {$1100.00} arrears ( included ). I want to know what is the pre-petition payment, plus fees and costs that total arrearage of {$9500.00}? In my loan modification that was complete XX/XX/XXXX page 2 parg. 3 B it states The modified principal balance of my note will include all amounts and arrearages that will be past due a of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, unpaid amounts ) less any amount paid to the lender but not previously credited to my Loan. With this being say anything that I was in the arrearage for prior to XX/XX/XXXX was modified. I want to know where was this money was applied? I want a break down of the pre-petition payment, plus fees and costs that total arrearage of {$9500.00}? I want a copy of there proof of claim. I will enclose the Loan modification, Chapter XXXX filing I have circle the arrears amount, letter fro XXXX that my loan was modifiedXX/XX/XXXX. Also a break down fee sheet from XXXX on my account from the prior modification to XX/XX/XXXX.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to inform the TRANSUNION Credit Bureau ONCE AGAIN that I was a victim of identity theft. I'm requesting to remove these UNAUTHORIZED INQUIRES from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION CREDIT BUREAU must REMOVE any INQUIRES listed in Identity Theft. Once again HERE ARE THE LIST OF INQUIRES THAT I WANTED TO REMOVE! 

XXXX XX/XX/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 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
Consumer complaint received 2017-06-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CT)

A payment in the amount of XXXX made on XX/XX/XXXX was not processed because there was an error on end of payment system with XXXX XXXX XXXX. The payment was made on their web-site, the account number was one digit off, even though it was entered correctly at time when checking account was added. It took the account information with no error. A rep by name of XXXX advised me today, XX/XX/XXXX, the XX/XX/XXXX payment was reported 30 days past due when there was an error on web-site end. The correct account information was updated
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXXXXXX Balance : {$280.00}, XXXX XXXX XXXXXXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX : {$150.00}
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to request that you delete certain items from my credit report. I understand that you have furnished information to credit reporting agencies regarding my account, but I never gave you permission to do so. As such, I believe that your actions violate federal law, specifically 15 USC 6802 ( b ) and 15 USC 1681b ( a ) ( 2 ).

Under the Fair Credit Reporting Act ( FCRA ), companies are only permitted to furnish information to credit reporting agencies with the consumer 's explicit permission. By furnishing information without my consent, you have violated my rights under the FCRA. Furthermore, this constitutes grounds for identity theft under 15 USC 1681c-1.

I would also like to draw your attention to 15 U.S Code 1681a ( d ) ( 2 ) ( i ), which requires that credit reports contain information solely as to transactions or experiences between the consumer and the person making the report. By reporting information that was not authorized by me, you have also violated this provision of the law.

As a result of your actions, my credit report has been negatively impacted. I request that you take immediate action to remove any unauthorized information from my credit report. I also ask that you provide me with written confirmation that you have done so within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please note, this is not a duplicate complaint and I am not using any thirds party for this matter. I'm sending this complaint due to new evidence. 
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXXXXXX XXXX XXXX. They did not provide me with the original application like I asked. 
Please correct my Credit Report on Transunion and this account must be deleted from my report - XXXX XXXX XXXX.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$29000.00} XXXX   XXXX XXXX {$3400.00} XXXX XXXX {$160.00} XXXX XXXX
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

This writer submitted a dispute to XXXX on XXXX. And a follow-up correspondence from XXXX they requested additional information in order for the fraudulent accounts and inquiries to be blocked or removed. I have attached a copy of that request from XXXX to this complaint. I originally sent the police report which named the accounts and inquiries in dispute. This writer was unaware that XXXX would need any further information however has agreed to provide that information to XXXX for the dispute process to continue. There are two accounts reporting on my credit they are a result of identity Theft. I am directing XXXX to Block the Following two accounts from being reported as they are result of identity theft XXXX XXXXXXXX XXXX Acct # XXXX and XXXX/XXXX XXXX   Acct # XXXX. Both of those accounts are listed in the ID death affidavit and a police report as fraudulent accounts. As far as I can tell XXXX has already removed the fraudulent inquiries so no concerns there. As requested I am attaching to this complaint a copy of my drivers license, a copy of my utility bill, a copy of my checking account statement, a copy of my Social Security card, a copy of the ID Theft affidavit filed this writer filed with the FTC and a copy of the police report this writer filed with XXXX XXXX XXXX Police Dept. Both  reports specifically name in each inquiry and each account that is fraudulent. I am requesting removal pursuant to section 605B of the fair credit reporting act which states that fraudulent accounts must be removed within five days of receiving notification from a consumer that the accounts are the result of fraud or identity theft. I am now exercising those rights and I request for removal of the information
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (AZ)

I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to a business credit card account from JPMorgan Chase ( JPMCB ). 

This business credit card account is incorrectly being reported on my personal credit report, even though I have never personally guaranteed this card. As per standard reporting practices, a business credit card should not appear on a personal credit report unless the individual has personally guaranteed the card, which is not the case here. 

Furthermore, this account is incorrectly being reported as 'charged off ' on my credit report, which is inaccurate. The account has been carrying this status for an extended period, which is adversely affecting my credit score. 

I kindly request your immediate intervention to rectify these inaccuracies. I am seeking the removal of this business credit card account from my personal credit report as its presence and reported status are both incorrect and damaging to my credit standing. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2020-07-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

In XX/XX/2020, HSBC offered a high-yield savings account with an APY close to 2 %. I opened an HSBC savings account in late XX/XX/2020. 

On XX/XX/XXXX, they reduced my APY to 1.70 %. 
On XX/XX/XXXX, they reduced my APY to 1.60 %. 
On XX/XX/XXXX, they reduced my APY to 1.30 %. 
On XX/XX/XXXX, they reduced my APY to 1.01 %. 
On XX/XX/XXXX, they reduced my APY to 0.70 %. 

Now, after failing to honor their promised APY for even a single month, and systematically gutting my APY every month since I opened the account, they will charge a {$25.00} fee if I close the account within 180 days of opening it. 

If they lured me into a savings account with the promise of an APY they couldn't even honor for one month, then they should not be allowed to hold my account hostage with account closure fees.
Consumer complaint received 2017-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (LA)

I have not done business with calvary portfolio service. I do not have a signed contract with calvary porfolio. I have the right to demand to see a signed contract between calvary portfolio and myself. I have seen two different accounts with them.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I have been a victim of XXXX inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XX/XX/XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Upgrade, Inc. (NC)

I opened rewards checking and premier savings accounts on XX/XX/23. Upon receiving my debit card I also ordered checks, initiated transfer of funds and started updating autopay and direct deposit for my new account. On XX/XX/23 I discovered I couldn't add my Upgrade Visa Debit card to my XXXX XXXX, nor could I use the card for purchases on the XXXX XXXX store. I reached out to Upgrade customer support who denied seeing an issue and locked/unlocked my debit card and instructed me to keep trying for a few days and reach out to apple support if the issue wasn't resolved. I reached out to XXXX XXXX on the same day and discovered via diagnostic logs that my Upgrade Visa is ineligible for use with XXXX XXXX - contrary to the below statement on the Rewards checking FAQ - " How do I access my money '' https : //www.upgrade.com/rewards-checking-plus/ " You can use your Rewards Checking Plus Upgrade VISA Debit Card wherever Visa is accepted. Its also easy to add your debit card to XXXX XXXX or XXXX XXXX so you can take advantage of contactless technology and pay with your device at participating merchants. '' I placed another call to Upgrade customer service on XX/XX/23 and upon pressing for escalation was notified this is a common issue, there is no resolution and nothing the team can do to assist and that my only option was to " keep trying and see if it eventually works ''.