davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-03-19
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: DISCOVER BANK (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (DC)

The purpose of this communication is to file a complaint against Chase Bank for stealing and withholding my funds that was deposited into a new business account. 

On XX/XX/2023 my business, XXXX XXXX XXXX XXXX XXXX sent a wire to JP Morgan Chase to establish a new business bank account for investments. I, XXXX XXXX, CEO of XXXX, went in person to my bank, XXXX XXXX to do the wire around XXXX on XX/XX/2023. The wire was XXXX XXXX dollars. 
My Bank told me that it should take 1-2 hours for the wire to be in the account. 

When I reviewed the Chase business account around XXXX that night the wire had not made it into the account yet. I called the fraud line and told them I had some concerns about the account since the wire was not in my bank and asked that the wire be returned to my bank and freeze the account. The fraud department told me that that would not be an issue since the wire was still pending, they could easily return it to my bank the next day. 

The next day I contacted XXXX XXXX about a returned wire, and they indicated that they did not receive a wire bank from Chase. I then contacted Chase and was transferred multiple times regarding the status of my wire. I was then given a call by business banker and was told that the wire would be returned to XXXX XXXX on Tuesday XX/XX/2023. 

On Monday, XX/XX/2023 when I went to log online to the JP Morgan Chase account on Monday I was locked out of my account. I was then given a call by the business banker saying that Chase had decided to close out the relationship and they will be mailing a check back to me. 

They could not give me any information on what was going on and why they could not return the funds to my originating bank via wire. As of today, XX/XX/2023 I received a call from Chase telling me that they will be holding my funds until the end of the month. They will be conducting an investigation on the source of my funds and will mail my funds at the end of the month. 

None of this makes any sense but speaking to a representative from the XXXX XXXX XXXX, they explained that they have received numerous complaints about Chase Holding Deposits.
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (NJ)

On XX/XX/XXXX I paid {$550.00} collection to XXXX XXXX and Monterey Financial Services. We agreed to delete and erase the collection from all credit bureaus and every credit bureau made the collection as Paid and Close when we agreed to be fully erased from all of them. Months after i requested Monterey to let the credit bureau know to erase the collection and on XX/XX/XXXX I received an email from Monterey confirming that they were going to send the request again and within six weeks it was going to be fixed, but eight months later nothing have changed at all. I had to dispute on XXXX and XXXX on my own. I submit a dispute to XXXX twice and all they tell me is The information is accurate, but consumer disagrees when Im clearly showing them where Monterey Financial Services agrees to complete deletion of the collection.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (LA)

I am writing to formally dispute the following information listed on my consumer report under the provisions of the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ). I am exercising my right to challenge and correct any inaccuracies in my consumer information.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NC)

Please provide specific evidence of consideration extended directly to me. Should you fail to provide such documentation within fifteen business days, this will constitute your consent to repay the balance shown ( which is a billing error as a positive balance as i understand general accounting practices positive is what i have in my account and if i add anything to it the value will go up not down ) on my report in a positive amount due to me, multiplied by four as a remedy for the oversight.

Furthermore, I understand 18 usc 8 to mean along with others all obligations are that of the United states treasury which means they must have performed to create this note and the public debt needs to be balanced. I request that settlement or payment for all credits or positive balances be transferred back to the U.S. Treasury account in which I am designated as a Beneficiary. I would also appreciate guidance on any steps required to access this beneficiary interest upon repayment of this credit. 

Thank you for your prompt attention to this matter. I look forward to your response and confirmation of the requested actions within the specified timeframe. 

Sincerely, XXXX, XXXX : Beneficiary
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (GA)

I purchased XXXX money orders from Western Union at {$500.00} per money order. {$2500.00} in total. I gave them to my landlord and after XXXX weeks he said that XXXX money orders were returned to his bank as refer to maker. He gave me paperwork from his bank. I have been unsuccessful at trying to get refunded {$1500.00} that is not accounted for. I can't get them to cooperate and send me photocopies as proof that they were cashed. I sent emails of all documents they requested, I paid {$15.00} for XXXX additional money orders as payment for the request for photocopies and still they can't trace anything or claim they haven't received anything. I mailed and emailed all paperwork that they requested to them.
Consumer complaint received 2024-07-09
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. (GA)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Consumer complaint received 2024-10-27
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. (NY)

I previously disputed these accounts with the relevant credit bureau ( Experian ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The accounts in question are as follows : XXXX. Account Number : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX  XXXX Last Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last XXXX Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports.

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Consumer complaint received 2024-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (OH)

I attended the XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ) from XX/XX/XXXX - XX/XX/XXXX. 

Due to proven misconduct and litigation involving the XXXX XXXX, my federal loans were XXXX by XXXX XXXX to Repayment on XX/XX/XXXX. 

In XXXXXXXX XXXX began offering a XXXX XXXX XXXX XXXX for borrowers qualified by Navient and previously had their federal loans forgiven. I was qualified and received the application on XX/XX/XXXX. 

On XX/XX/XXXX, I submitted my XXXX page application, with loads of evidence and a detailed letter of harm due to predatory lending and attending a for profit school, ( that has since closed ). XXXX then notified me they received my application, put my loans into forbearance, and said it would take XXXX to reach a decision. 

On XX/XX/XXXX my application was denied with the generic reasoning of " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( XXXX ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I do not agree with this decision, or Navient 's vague and generic description as to why I was denied, even though I met qualifications for the application. Navient has not been transparent on why some applications are approved for XXXX and some aren't. I firmly believe there is really no approval process in place, and that loans are being forgiven randomly, and at an extremely low percentage. This does not reflect the rate of loans forgiven through XXXX, which have the SAME qualifications. 

On XX/XX/XXXX Mohela began servicing my private loans ( via Navient ). 

My loans come out of forbearance and into repayment on XXXX. 

I had to delete a lot of pages from my original application to meet the XXXX requirement. Password for the uploaded document is XXXX
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WI)

I started receiving statements from Chase Card Services that my account was past due. I called the company and asked them what this card was for and I never opened a card with Chase. I do not know the card number other than it ends in XXXX  They are now saying the account is suspended but I need to make payment. I have never received any statements regarding the card.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX - DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Admin Recovery, LLC (NH)

After several attempts to get information about fraud on my XXXX XXXX card it was sent to collections of a agency called Admin Recovery. When an attempt to get this removed from my records due to fraud on the card previously wasn't getting anywhere. Credit limit on the card is only {$8400.00} and their saying owed is {$11000.00}. Now lately been being a bit harassed multiple times a day each week on a debt I feel is inaccurate and should be taken off my account records.
Consumer complaint received 2024-10-27
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: SANTANDER HOLDINGS USA, INC. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TX)

Debt collector has repeatedly called, upwards of 10 times a day. Account was billed incorrectly due to the creditor not properly closing the account ; account holder was a XXXX service member. Account has since been resolved.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

I purchased a bed from XXXX XXXX on XXXX in the amount of {$4000.00}. When purchased, financing was offered by XXXX XXXX through Synchrony Bank at XXXX XXXX financing for XXXX months. As of this date all payments have been made on time with no missed or late payments and are automatic withdrawal straight from my bank account. I received a letter from Synchrony Bank on XXXX advising that they are changing the terms of the agreement and are going to charge a 2 % XXXX XXXX retroactive to the original date of purchase. I contacted the bank regarding this change of terms on XXXX with no resolution. I feel that this charge is a violation of contract and should be XXXX  as it does not conform to the original terms. The only recourse is to close your account which negatively impacts your credit.
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

Hello, My Flood insurance administrator sent notice of my renewed policy to my mortgage holder- Mr. Cooper XXXX XX/XX/year>. 

I received the attached letter from Mr. Cooper/NationStar mortgage LLC advising they have not received notice of my coverage and that they not only purchased as second flood insurance policy for me, but that they have also already removed money from escrow for this secondary unnecessary flood insurance policy which has now caused an increase in my payments by {$250.00} per month, with XXXX being the first month reflecting the incorrect increase. 

I called Mr. Cooper on XX/XX/XXXX to get this rectified so that I may pay the correct payment amount, on time and that I may also receive a refund in the escrow that was stolen from my account. I was told this would be reviewed and there would be an update within 7 days. 

As of today XXXX, there has been no change in the amount due as shown on their website, additionally calling has been pointless, because I am now routed to an endless IVR loop and can not speak to anyone. 

Mr. cooper has over XXXX negative complaints about their fraudulent practices on the XXXX XXXX XXXX website, and really needs to be fined for their unethical practices. Something needs to be done.
Consumer complaint received 2023-07-20
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. (GA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (IL)

On XX/XX/XXXX, my Fortiva Retail account was closed, and the remaining balance of approximately {$700.00} was transferred to a new credit card that was opened in my name without my knowledge or consent.

I became aware of this issue only after noticing a XXXX drop in my cr

edit score and seeing both a closed and open account on my credit report. Fortiva also added a remark stating " customer closed the account, '' which is entirely untrue. I have always maintained my Fortiva account in good standing and never missed a payment. I had no intention of opening a new line of credit, especially just weeks before purchasing a car. Fortiva had no right to close my account, transfer the balance, or open a new account in my name without my explicit consent. The remarks they left on my credit report are false and damaging. When I contacted Fortiva, they claimed this was part of an upgrade program, supposedly to offer more card benefits, and said they sent an email notifying me. They also stated that my lack of action was taken as confirmation of consent. This is not only false but also a violation of the Truth in Lending Act ( TILA ). I never authorized or requested this change. Fortiva has now promised to reverse this and resolve the issue within five days. However, I do not need this on my credit report right now, as I am about to purchase a car and have been actively working to maintain my credit in good standing.