davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
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: EQUIFAX, INC. (IL)

Someone reported a number of inquiries on my credit reports. I have no knowledge of them and would like to file a complaint to have the credit bureaus remove them. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-23
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC (MI)

regarding a charge-off. The account in question is listed as follows : Creditor Name : [ Name of Creditor or Lender ] Account Number : [ Account Number ] Date of Charge-Off : [ Date of Charge-Off ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-19
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: CITIBANK, N.A. (NY)

The thing I regret the most is handling Citibank business. This company has a very poor reputation. The company is in chaos and the system information is out of sync. When I applied for a credit card half a year ago, the credit card was stolen before I even got it. I went to the store to provide feedback, but they didn't handle it and asked me to call myself. So I spent a day queuing up to make an appointment and got through the phone. They informed me that more than XXXX XXXX dollars had been stolen and I had reported it a total of 3 times until now. They haven't refunded my money for nearly XXXX  months. Because of this, the credit card with a limit of XXXX has been highly used for half a year, resulting in a credit score of more than XXXX. They have never processed it for half a year. It's ridiculous. No, it's not a formal company at all.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Fresh Holdings Inc (PR)

To whom it may concern, I XXXX XXXX XXXX, was checking my credit report when I saw that there was an account opened under my name but I never applied for this company to get any line of credit. Therefore, Im requesting actual proof that I opened this account and where was this account opened because I have lived overseas for the past two years. I received an email saying that all my information was verified but how does this company know it was me and not someone else acting like they were me. Additionally, I would like Credit Fresh to cease and desist all contact methods and that you remove this wrong information because its affecting my credit score. Thank you for reading this matter and hope we can fix this issue soon. Your company is a fraud and Im telling you that I didnt apply for this loan.

Some of the laws you may be subject to are as follows : 18 U.S.C. 1028 Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

hello I have tried getting this issue resolved on multiple occasions which it seem like you guys refuse to remove this account. This account is related to identity theft I have been notified by the military data breach and also XXXX police department where you guys can call the didn't notify me the name of the individual as they kept that confidential, please im begging you to reach out to them to get this issue resolved as this account is not mines and it is hindering me from buying my house. please read this until the end because this will be my last and final attempt before I report this issue to the authorities. I have tried and waited for months for resolution and I still have yet to get anything.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

BEST BUY/CBNA Debt Validation Request Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within XXXX  days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 

For my debt validation methods these are the things I would require from you. I would require the following information : XXXX. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt. 

XXXX. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector ; in case I choose to pursue further legal action. 

XXXX. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency. 

XXXX. XXXXebt Details : Provide the date and the amount of money that I officially became in collection with your company. 
Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within XXXX  days. 
Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/XXXX around XXXX XXXX  I went to transfer {$250.00} from my Venmo to my wifes XXXX using their XXXX XXXX that is inside the Venmo app. Upon hitting send, the app created a circle effect on the screen and then shot out a message ( oops something went wrong try again ) and then at the bottom was a button that said try again. I press that button it repeated the exact same process sent me the same message to try again so I hit the button one more time. After hitting it the second time the app said that I was locked out and that I am now suspended and I got a email from Venmo stating that there could be fraudulent activity on my account. I immediately called Venmo support and was verified through them and talked with the support specialist for almost an hour. the support specialist said that they found where the error occurred and that they were going to escalate this at the highest priority to have my account unsuspended. I also provided the same screenshots that I am providing you. That show exactly what happened on the app. I have since then spoke with three other representatives from Venmo all of which verified me before then spoke about my account openly and extensively with me after verification. Today I was sent an email by Venmo stating that they will not unsuspend my account until I give them US government documentation. This is documentation that they did not ask for when I open this wallet. so this would be no form of verification. To me this is a form of extortion. venmo is holding my {$6000.00} XXXX until I give venmo my government documents that they can then sell ( by their own policy ) for profit! 
If this was in the terms of service that I had to provide all this before using the service I would not have a complaint because I would've gone in knowing that I had to give this to venmo and I just would not have used Venmo. For Venmo to allow me to set everything up and put {$6000.00} into a wallet and then after the fact lock me out of that wallet and demand something from me in exchange for my own money back, to me is the definition of extortion!
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, I made a payment from my XXXX XXXX XXXX checking account online into my Chase Credit Card of {$1500.00}. Everything was processed as usual including an additional payment of {$700.00} in the exact process. In XXXX, Chase showed my account missing the {$1500.00} payment saying it did not go through. Despite additional payments coming after the {$1500.00} payment, my primary XXXX XXXX XXXXXXXX checking account was also frozen for payments on this card. Since this time, I have spoken with Chase many times and submitted documents showing the transaction going through on XXXX XXXX XXXXXXXX and no reversals on the payment. I have submitted proof of bank account, proof of transaction being sent from XXXX, as well as Bank Statements proving no reversal ever happened directly from XXXX wth their letterhead. 

Despite every effort to prove this payment, almost 2 years later Chase has still not unfrozen the payment account or done anything to rectify the situation as every time they make me start the process over and say they can't do anything. During this time, the interest has continued to grow while I have not been able to make payments using my account.
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: Self Financial Inc. (PA)

Subject : Dispute of Inaccurate Payment History SELF FINANCIAL/LEAD BANK This is my third attempt to have this account corrected, I am writing to formally dispute the inaccurate information reported regarding my account with SELF FINANCIAL/LEAD BANK ( Account Number : XXXX ). This is my third attempt to resolve this issue, and the continued presence of a 30-day late payment has caused me significant stress and adversely affected my creditworthiness. 

Identified Discrepancies : Inconsistent Status Reporting : The account is listed as Paid, Closed, yet it shows a 30-day late payment in XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), all information reported must be accurate. The conflicting statuses misrepresent my payment history and do not reflect my responsible borrowing behavior.

Misleading Payment History : If the account is marked as paid and closed, it should not reflect any late payments. The FCRA ( 15 U.S.C. 1681c ( a ) ) mandates that creditors report accurate information, and this inconsistency can mislead potential creditors about my financial responsibility. 

Failure to Update After Closure : The last update in XX/XX/year> indicates a paid and closed status, yet the late payment still appears on my report. Under FCRA ( 15 U.S.C. 1681s-2 ), creditors must update accounts promptly to accurately reflect their current status. The lack of timely updates contributes to the ongoing inaccuracies. 

Duplicate Negative Reporting : Reporting both a paid status and a past due status creates the potential for duplicate negative information. The FCRA ( 15 U.S.C. 1681e ) requires that all reporting must be clear and not misleading, and having these conflicting statuses harms my credit score. 

Request fo

r Resolution : Given the discrepancies outlined, I request the following : Immediate removal of the 30-day late payment from my credit report. If this information can not be verified as accurate, it must be deleted in accordance with FCRA ( 15 U.S.C. 1681i ( a ) ). Update the payment status of this account to Paid, Never Late to accu
rately reflect my payment history. 

I urge you to conduct a thorough investigation of this account and provide me with the results within 30 days, as required by law. The ongoing presence of this late payment is causing significant distress and financial strain. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of my dispute.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (AL)

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 party. 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 2024-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

EXTREMELY TIME URGENT Dear Firstmark XXXX XXXX : On XX/XX/XXXX, I requested an urgent call from Firstmark Services XXXX XXXX, as after many month of waiting Firstmark Services finally Backdated a requested Natural Disaster forbearance from XXXX XXXX XXXX XXXX. However, during these XXXX XXXX  I was making full payments on these loans, rendering me still due for the XXXX XXXX  of relief during this time. 

To note, during the months of XXXX - XX/XX/XXXX, I was making the full monthly installments on all loans even though my forbearance was back dated to cover these months for the Natural Disaster XXXX declared XX/XX/XXXX. Regrettably I am still now ( XX/XX/XXXX ) showing past due for XXXX or more loans, and I am therefore still owed the XXXX months relief for said dates or a refund for payment made during a time which said loans were supposed to be in the natural Disaster forbearance ( XXXX - XX/XX/XXXX ). Kindly contact me urgently to ensure that I am bestowed the XXXX months of relief for the aforementioned months of XXXX - XX/XX/XXXX ( due to said payments made during supposed forbearance time ). 

Further and more distressingly, on XX/XX/XXXX, Firstmark Services approved a XXXX XXXX forbearance as requested, only yet again reneging on said approval on XX/XX/XXXX grossly unacceptable and causing my account to go past due, after their approval posted to my account on XX/XX/XXXX. 

This matter is egregiously unacceptable, and Firstmark continues to harass, accost and neglect my requests for senior management contact and the placement of this forbearance meriting urgent and immediate escalation at this time. Please be advised that should this matter continue without resolution, I shall engage XXXX XXXX XXXX I-Team Investigative Reporter XXXX XXXX XXXX XXXX XXXX in this egregious matter 's resolution in addition to further complaint with Consumer Financial Protection Bureau , FTC & any and all regulating bodies to aid in this egregious matter 's full and final resolution.

Thank you for your immediate escalation of this urgent matter. 

Best, XXXX XXXX XXXX M.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (PA)

Fortiva credit company has closed the account at the creditors granters request as my payments were on time in XXXX of this year. I have filed a dispute with experian twice and I called fortiva. I was told by an employee of XXXX  that fortiva is violating my consumer rights. They have yet to fix this issue which is messing with my credit score. Im currently trying to get my credit score increased to buy a home through the VA. As a veteran fortiva is messing with my chances and reporting false information.
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Financial Resources, Inc. (NH)

This account violates the Hippa regulations. I never gave permission for the 3rd party to report to my cbr. This company has also violated the FDCPA by causing my phone to ring repetitively. Calling 22 times and leaving 19 voicemails in a 30 day period. I have asked them to least and desist and they have not complied. This reporting needs to be removed from my cbr immediately or I will file a counter suit for the FDCPA violations.
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (CO)

Truist has a bi-weekly payment schedule option. They inappropriately hold the funds in a suspense account until the end of the month before applying the payments to the mortgage. When contacted, they were unhelpful and refused to apply the payments upon receipt. 

This process adds years on to the mortgage and overcharges mortgage holders with them.
Consumer complaint received 2024-09-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I requested by email for Navient to send me the School Misconduct Discharge Application to forgive my private loans. They did not send me the application, but I found it myself by googling. I submitted the application along with the supporting documentation, such as my approval from the U.S. Dept. of Education Borrower Defense letter, The XXXX XXXX XXXXXXXX XXXX XXXX XXXX is permanently closed due to financial misconduct, Navient Multi-State Settlement ( not including the recent {$120.00} XXXX settlement ), etc.. Navient has DENIED my application without explanation. I called the company to inquire about the reason for the denial and the Rep could not give a reason as to why. She suggested that I resubmit my application with supporting documentation. I explained that I've provided what was asked and if she could tell me what other paperwork was needed. She could not. I asked to speak to someone that could explain the reasoning and she stated that the individual ( s ) that determines the approvals is confidential and she does not have access to that information. Her explanation was illogical but she suggested that I reach out to the Attorney General Office for assistance.