davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (PA)

I am writing to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of identity theft stemming from a recent data breach, and these accounts and inquiries were created without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all items listed be removed. 
Accounts to be Blocked and Deleted :XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

It is my understanding that the CFPB has prohibited XXXX  from servicing or managing any student loan portfolio due to their deceptive practices in payment reporting and collections, based on publicly available information. Attached is an email from XXXX  concerning the forbearance of a loan they managed for me in XXXX 2019. The data provided to credit reporting agencies does not align with the timeline of forbearance as I understand it. XXXX  previously claimed that they " never would have sent an email that only requires a \ [ one word ] reply to establish forbearance. ''
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MO)

My chase checking account was closed at the end of XXXX this year and I have had many calls with customer service. During this time I received a refund for my saving account, but never received a refund for my checking account. I was told by customer service that this refund has been under review. I remember having about {$1900.00} in my checking account, which was a lot of money for me. Because I was a student with no income.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am not liable for this debt of {$300.00}. with XXXX XXXX XXXX. Account XXXX : XXXX I do not have an account with this company. I asked to be provided with the original contract as my wet signature and ID verification. Instead was sent a Final Bill.
Consumer complaint received 2023-09-21
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (TX)

american express took two transactions from my XXXX XXXX XXXX account one for XXXX and one for XXXX when i call them about it they say nothing they can do cause i dont have a card with them my bank says they cant dispute cause transaction is more then year old and my accounts where closed with them so what am i to do things is ive never had american express nor know someone who has ive called them and called them no help
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

To whom it may concern, This letter is being sent to you in response to : - Notice sent to me on XX/XX/XXXXXXXX XXXX XXXX  - Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Thank you
Consumer complaint received 2023-04-10
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. (IN)

I have been disputing inaccurate information with XXXX, XXXX and Transunion over the past few months. I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor
Consumer complaint received 2024-10-23
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: Navient Solutions, LLC. (IL)

Navient decided it would be wise to only keep specific loans in good standing while attempting to default and charge off other loans. In the charge off process I paid them {$2000.00} with disbursements from XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX stated that they had a crash in their server and Navient took back their loans. Keep in mind, XXXX XXXX NOR NAVIENT notified me of any discrepancy. XXXX loans are in good standing : XXXX : XX/XX/XXXX and XXXX : XX/XX/XXXX. WHY ARE THE LOANS FOR XXXX : XX/XX/XXXX and XXXX : XX/XX/XXXX in charge off status? The only excuse I received was Navient decided only a fee should have in school deferment, bankruptcy status, forbearance, etc and not all of my loans. This is criminal and discrimination.
Consumer complaint received 2024-10-27
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: Home Loan Center, Inc. (IL)

NONE OF THE CREDIT INQUIRIES ON MY REPORT ARE AUTHORIZED WITH THE EXCEPTION OF TRANSUNIONS FREE CREDIT MONITORING AND KICKOFFS CREDIT BUILDER. I HAVE AN EX PARTNER WHO HAD ACCESS TO ALL OF MY SENSITIVE PERSONAL INFORMATION AND DOCUMENTS AND IS USING THIS INFORMATION TO POSE AS ME AND TRY TO DEGRADE MY CREDIT ANY WAY THEY CAN AS A PATTERN OF ABUSE THAT WENT ON WITH THE RELATIONSHIP AND IT HAS NOT ENDED WITH ME DISTANCING MYSELF FROM THIS PERSON. THEY ARE DOING IT TO KEEP ME FROM BECOMING INDEPENDENT AND HAVING GOOD CREDIT AND THIS IS NOT THEE ONLY THING THEY ARE DOING TO TRY TO KEEP MY LIFE UNDER THEIR CONTROL.
Consumer complaint received 2024-09-17
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. (MD)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

OBTAINED CREDIT REPORT, NOTICED COLLECTION AGENCY SENT CESE AND DESIST XX/XX/XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX THIS COMPANY SENT CORREPSONDANCE ALL THREE MONTHS TOTALLY IGNORING THE CEASE AND DESIST LETTER THE DEBT DOES NOT BELONG TO ME AND THE COMPANY HAS NOT BEEN ABLE TO PROVIDE ME DEBT TO SHOW OTHERWISE. FCRA AND FDCPA VIOLATION THIS ACCOUNT IS STILL REPORTING ON MY CREDIT REPORTS AND COMPANY IS STILL CONTACTING ME VIA WRITTEN AND BY PHONE
Consumer complaint received 2024-10-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NC)

Account was paid in full on XX/XX/XXXX. 
Collector never closed the account on their own behalf. 
Account was closed after having to dispute the account VIA the FCRA which included documentation on the account in question and {$0.00} balance ledger. 
3 years later, the collections company has now reopened the previously paid/closed account on XX/XX/XXXX. 
The collector forced me to have to call my bank and the apartment complex to try and find any documentation to support my claim the account was in fact closed. because it had been so long since the account was paid neither were able to provide me with the necessary information. 
Luckily, I have an amazing wife that is always looking out for me and saved the original ledger received on XX/XX/XXXX which showed a {$0.00} owed balance. 
Had I not had this statement I would not have been able to dispute the claim of unpaid debt and would have owed an additional {$1800.00}. 
I am lucky that i found the document but i fear that many others out there may not be so lucky and end up in a hole of debt with false claims of unpaid debts. 
additionally this account is now affecting my credit history for a minimum of 3 weeks just to process the dispute and no guarantee as to when it will be taken off of my debt history. this impacts my ability to seek additional credit during the time I am in limbo with the collector and could cause hardship as I am in the middle of starting a small business.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CT)

Description - I initiated the XXXXXXXX XXXX  withdrawal from the Robinhood account to the XXXX XXXX XXXX XXXX XXXX account on XXXX XXXX 
XXXXXXXX XXXX was deposited into XXXX XXXXXXXX XXXX XXXX XXXXXXXX account on XXXX XXXX. 
But XXXX did a transaction reversal of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts don't have XXXX XXXX 
Please follow the sequence of events below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28
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)

XXXX XXXX, I became aware of late account. Balance was {$44.00}. Contacted Comenity Bank. Late fee was reduced and balance paid in full {$29.00}. Also recieved letter Comedity would update delinquency reported by them for XXXX and also XXXX as current.This letter was dated XXXXHowever, Comenity reported this account delinquent on XXXX XXXX. 
I have made several phone calls about the inaccurate reporting. The agents cant explain why this was done. I was told to take it up with credit bureau. This inaccurate reporting caused my credit score to drop! I am worried Comenity is abusing my reports
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Dear Equifax and CFPB, I am writing to formally dispute multiple discrepancies on my credit report regarding the account with XXXX XXXX XXXX, which contains unverified, outdated, inaccurate, and misleading information that has a profound negative impact on my credit health and overall quality of life. 

**Account Details : ** - **Account Type : ** Installment - **Bureau Code : ** XXXX - **Account Status : ** Derogatory - **Monthly Payment : ** {$0.00} - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$5800.00} - **Credit Limit : ** {$10000.00} - **Past Due : ** {$0.00} - **Payment Status : ** Collection/Charge-off - **Last Reported : ** XX/XX/XXXX - **Comments : ** Unpaid balance reported as a loss by the credit grantor. 
- **Date Last Active : ** XX/XX/XXXX - **Date of Last Payment : ** XX/XX/XXXX Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inaccuracies present in my report violate this statute and are damaging my creditworthiness. This misleading information not only threatens my ability to secure loans, housing, and other essential services but also affects my mental and emotional well-being. 

Additionally, 15 U.S.C. 1681i grants me the right to dispute incomplete or inaccurate information, and it is your obligation to investigate the validity of the information being reported. The derogatory status of this account is particularly damaging, as it misrepresents my financial responsibility and impacts my credit score significantly. 

Given the serious implications of these discrepancies, I urgently request a thorough investigation into this matter. I expect you to correct these inaccuracies promptly and ensure that my credit report reflects only verified and accurate information. 

Thank you for your immediate attention to this critical issue. I look forward to your prompt response confirming the actions taken to rectify these inaccuracies. 

Sincerely, XXXX XXXX
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: Experian Information Solutions Inc. (NC)

I am disputing the reporting inaccuracies on my credit file associated with the following account and am formally requesting an immediate review and correction, in compliance with Metro 2 standards and the Fair Credit Reporting Act ( FCRA ). 
Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Reporting Agencies : Experian, XXXX, XXXX Violations Identified : XXXX. Inconsistent Reporting of Balance and Status o XXXX shows a balance of {$0.00}, while XXXX reports {$120.00} owed. Under FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 standards, furnishers must provide consistent and accurate account information across all bureaus. This inconsistency misrepresents my creditworthiness and violates compliance protocols. 
XXXX. Non-Uniform Reporting of Late Payments o The account shows XXXX late payment markers inconsistently across bureaus. 
These late payments are unverified, and I demand proper documentation validating these claims. FCRA 611 mandates the removal of unverifiable or inaccurate information. 
XXXX. Incorrect Comments and Status o XXXX has marked this account with a comment indicating " Dispute Resolved - Reported by XXXX, '' while Experian lists a different comment. If the dispute is resolved, all bureaus must reflect the same status. This inconsistency violates FCRA 's accuracy requirements under 623. 
XXXX. Failure to Reflect Dispute Promptly o My previous dispute was not properly reflected across all bureaus within the mandated timeline, a direct breach of FCRA 611 ( a ), which requires that disputed information be accurately flagged during the investigation process. 
Demand for Immediate Action : I request that within XXXX days of receipt of this letter, you : XXXX. Rectify and synchronize the account balances and late payment records across all reporting bureaus. 
XXXX. Provide validation documentation for any reported late payments, or remove the delinquency markers if validation can not be substantiated. 
XXXX. Ensure that all comments and account statuses are consistent across Experian, XXXX, and XXXX. 
XXXX. Update my credit file to reflect accurate and verified information ; if unable to verify, delete this account from my report as per FCRA 611 ( a ) ( 5 ) ( A ).
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

My mortgage loan was transferred from XXXX XXXX to Select Portfolio Servicing in XXXX of XXXX. Somehow Select Portfolio Servicing added an additonal {$2900.00} to the loan as attorney fees for a foreclosure which was dismissed one year prior to the transfer of my loan. 

I had appeared before Judge XXXX XXXX XXXX, Circuit Court oXXXX XXXX XXXX, Illinois, chancery Division Mortgage Foreclosure Section on Monday, XX/XX/XXXX for a foreclosure preliminary hearing and was referred to XXXX XXXX XXXXXXXX XXXX XXXX  attorney for XXXX XXXX XXXX XXXX. After contacting XXXX XXXX XXXX in writing the foreclosure case was dismissed on XX/XX/XXXX, eight months prior to being transferred to SPS. ( See attached XXXX XXXX XXXX. XXXX. ) Also, loan deferrment agreement between XXXX XXXX XXXX and XXXX XXXX XXXX list attorney fees at {$470.00}. ( See attached ) I also contacted XXXX XXXX XXXX who attest fact that only the loan amount of {$49000.00} ( the loan balance ), and {$470.00} ( attorney fees ) were transferred with the loan and they did fax me a copy of that transaction. ( See attached )
Consumer complaint received 2024-09-27
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. (HI)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (NM)

I ordered car online today XX/XX/2023 vehicle promised available to be picked up tomorrow XX/XX/2023 in XXXX NM from retailer Carvana. Down payment on XXXX advertising at {$0.00} down then after initiating purchase down payment goes up to XXXX XXXX Usc 1662 B violation Of truth in lending act # 1. After completing purchase car is suddenly available a week later then original date- TILA violations # 2 misleading and misrepresentation. Then I proceeded to sign Retail purchase agreement contract wich after reviewing contracts noticed all paperwork post dated 1 week in future with only actual documents indicating actual date signed is the 7 day return policy contract making 7 day return window consistently intentionaly expired on date of delivery making cars essentially no longer eligible for return- Truth in lending violation # 3. Also Carvana is not even selling used cars in wich they poses title for in state of NM used dealers must own vehicles sold title on site XXXX and Carvana not conducting buisness according to state law. Additionaly You can pay for a vehicle on Carvana website and vehicle is still offered. For sale by XXXX after giving Carvana over XXXX XXXX dollars. My newly purchased XXXX is still listed for sale at XXXX right this very second meaning XXXX could potentially sell my car before I get a chance to take delivery or some random person could potentially take car I just purchased out on test drive etc. Im not an expert but pretty sure that they are not operating lawfully under Truth in lending or FCRA standards. Extended me credit until I complained then revoked offer of credit before offer expiration. Contracts say it all. Unable to load contracts so I am going to submit another claim so that contracts may be attached to this complaint be advised I am making additional complaint to attach contracts not duplicate claim is to be attached to this complaint.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank closed my bank accounts, which were set up for auto-pay on my two Chase credit cards, resulting in a late payment ( s ) which are not reflecting on my credit report.

I reached out to Chase, and they acknowledged the issue, reversing both the late fee and the payment. As a loyal Chase customer since XXXX, Ive never missed a payment. 

However, the credit reporting department is refusing to remove the late payment from my accounts. I provided proof that customer service reversed the late payments, but the credit department still isnt reporting fairly, especially since the accounts are closed. If the late payments and fees have been reversed, there should be no late payment reported on my credit file.