davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

In XXXX, my personal information was breached by both XXXX XXXX Experian. XXXX of XXXX I was informed of this same collection which I immediately filed a fraud dispute. The results from Experian dated XXXX state " Outcome Deleted '' on Report # XXXX issued from their agency. The previous collection agency was named XXXX XXXX XXXX XXXX for {$1700.00}. The investigation revealed it was a joint account opened by a couple named XXXX XXXX XXXX XXXX living in XXXX, XXXX The collection was for an ambulance ride and my maiden name " XXXX '' and Social Security XXXX somehow was fraudulently used. Experian Credit monitoring recently notified me of the collection, and I spent over XXXX weeks calling agency after agency attempting to figure out who & what this bill was for. When I finally got a telephone # of the collector from XXXX, upon calling them-they were beyond RUDE and unreasonable. The negligence on their part is impacting me financially, emotionally, and not to mention being harassed by the collector DEMANDING I need to file a police report, which is impossible to do since I don't have any information other than a phone # and how much they are collecting! This mistake puts me at a huge disadvantage especially because I am XXXX and on a XXXX XXXX. Additionally, our family is in the middle of getting a very large loan for our sons XXXX education and they would not even allow me to explain or get help in expediting the removal! I have made numerous attempts to get this corrected by Experian and I am getting no response and yesterday I was told a decision was already made and they determined it belonged to me-how they determined this they couldn't explain and left it on my report. I AGAIN filed another fraud dispute and informed them of the letter they issued removing it. They would not provide me with any help on getting this escalated and basically told me all I could do is request for them to take a better look and I had to wait 30 days. XXXX immediately responded via mail stating this was a duplicate and deleted it. I desperately need this resolved in order to fund my sons XXXX and it's a large amount and the interest rate is based on my score, and they are NOT being responsive whatsoever. Attached are all the documents from the original complaint. Please advise as to how I can get this matter expedited and get this cleared off my credit report. Their error is unacceptable and is causing huge financial impacts to our livelihood and our ability to get appropriate funding at the rate we have worked very hard to achieve. Thanks in advance, XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX/DOFED XXXX, XXXX/DOFED XXXXDOFED XXXX, XXXX/DOFED XXXX, XXXX/DOFED XXXXDOFED XXXX XXXX, XXXX/DOFED XXXX and XXXX/DOFED XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian has my old residential number on there which is incorrect. XXXX has an address I have never lived at in XXXX, Delaware and has residential number that no longer exists. XXXX has an old employer I used to work at that needs to be taken off. 

My employer is XXXX XXXX for the past 3 years XXXX current that needs to be updated. 

I have paid every month since XXXX currently non stop. So why is my current debt to income ratio so high. Something is not being reported, XXXXXXXX XXXX  and XXXX. Please help me understand.
Consumer complaint received 2024-05-29
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: Alorica Inc. (NC)

XXXX XXXX sold our loan, causing a closure and decline in our credit report and we were unaware that the loan was being sold. The new companyXXXX XXXX XXXX, checked credit, without our authorization causing another decline in credit score. When loans are sold and purchased from one company to another, credit scores should not be effected because consumers have no control over these types of transactions.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Subject : Late Payment Verification Dispute Dear [ XXXX, Transunion ], I hope this letter finds you well. I am writing to dispute a late payment entry on my credit report associated with your company, XXXX XXXX XXXX XXXX XXXX XXXX ]. After reviewing my credit report, I noticed 4 late payment notation for the account [ XXXX ] I believe there may be an error in the reporting of this late payment, as I have always been diligent about making timely payments. To address this matter, I kindly request that you provide verification of the late payment, including but not limited to : 1. Date and amount of the alleged late payment.

2. Proof that the payment was indeed late.

3. Any communication sent to me regarding the late payment.

4. Method of verification used to verify account I understand that accurate reporting is crucial, and I am confident that this matter can be resolved promptly. Please investigate this dispute and provide me with a written response within 30 days, as stipulated by the Fair Credit Reporting Act.

If, after your investigation, it is determined that the late payment entry is inaccurate, or you can not provide the requested information I request that you promptly update the information with all major credit reporting agencies. Your cooperation in resolving this matter is greatly appreciated.

Thank you for your attention to this dispute. I look forward to a timely resolution. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc (CA)

On XX/XX/XXXX I requested a consultation with XXXX XXXX to see if they could help me with a Probate processing matter. The lady said the payments would one {$120.00} when I didn't the application it went from {$120.00} go {$510.00} mthly. I told the lady I could not pay that to cancel all request. She agreed to do so. Then a couple of weeks later I checked my credit and it showed a new loan with Uplift. I investigated and realized it was XXXX XXXX the lady had sent me an email saying her and her manager tried to contact me that they didnt cancel and wanted to wait until they reached me by phone. I was really upset it ruined my chances of getting the house I inherited with a reverse mortgage because with this new loan my debt to income ratio is to high. I have been getting the run around with both XXXX XXXX and Uplift to remove this and they just keep putting it on me. Not a good thing because this is the house I live in and grow up in and my father passed on XX/XX/XXXX mother passed XX/XX/XXXX .... XXXX apart. I just want my credit cleared up and to move on with my life. I go to probate this Friday and still they want more stuff to prove the unauthorized account is reporting I just dont want to give then anymore stuff. Can you please help me so I dont lose my house. Uplift has been credited as far as XXXX XXXX says but Uplift wont clear my account and remove it and they want me info than with XXXX XXXX has given. They want a screen shoot of their account reporting on my credit report. That is very suspicious to me so I decided to contact you for help me revolve this matter. Thanks again XXXX XXXX
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

On or about XX/XX/XXXX, I reached out to EdFinancial to apply for the SAVE plan so I could begin making payments. Despite being told by the Department of Ed that this was my new servicer, they seemed to have no record of me so I was unable to create an account in their system. Figuring this was just a website glitch, I called. Unfortunately, the phone goes silent ( not even sure if I'm on hold or not ) once I am prompted for my SSN, which again they do not seem to have. Since they have seem no record of me, and I can not create an account, I am unable to take advantage of the SAVE plan. This is actually the second complaint about this matter I am submitting to the CFPB, as EdFinancial seems to have ghosted the first one. At the moment, as much as I'd like to have this resolved in a mutually satisfactory matter, I'm submitting a new complaint so as to start a better " paper '' trail of my many attempts to get the attention of EdFinancial. 

It's wild to me that the federal government continues to pay them for the service of servicing loans when they don't seem to be doing any of that.
Consumer complaint received 2024-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MILLENNIUM FINANCIAL GROUP, L.L.C. (OK)

I am writing to formally dispute an account reported by MILLENNIUM FINANCIAL GRO that has been listed on my consumer report. I am disputing the validity of any and all debts alleged to be owed to this collection agency. Additionally, I am revoking their right to contact or communicate with me in any way, effective immediately. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the regulations established by the Consumer Financial Protection Bureau, I am exercising my right to request debt validation. Specifically, I am requesting the following : 1. Validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), which has not been provided to date.

2. The purchase agreement between MILLENNIUM FINANCIAL GRO and the original creditor to establish their right to collect on this debt.

3. Proof that MILLENNIUM FINANCIAL GRO is licensed and bonded to collect debts in my state. 

I would like to bring to your attention that I have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, MILLENNIUM FINANCIAL GRO has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt.

MILLENNIUM FINANCIAL GRO has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law. This failure to comply constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

In light of these violations, I am requesting that the CFPB take immediate action to investigate and address this matter. I expect the account in question to be removed from my consumer report until proper validation is provided and my dispute is resolved. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I am prepared to provide any additional information or documentation that may be necessary to support my case.

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I have been corresponding about issues with my account that initiated with XXXX and then was transferred to their partner, SPS. I adamantly requested detailed information as to why my original payment amount with XXXX increased several XXXX dollars per month and received no answer. Subsequently, incorrect information was reported to credit agencies because of the inability to get answers. At the time, I did not know about CFPB so I am now requesting this information at a later date. This information was never provided. I have made payments every single month and promptly every single month yet XXXX and now SPS both incorrectly report information regarding my account ( XXXX held my payments to thereby claim that my account was past due rather than providing requested information given the error regarding my escrow ).
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

I consolidated my loans by the XX/XX/year> deadline to access the benefits of the save plan as per the information given to me by the US Department of Education. I was assigned a servicer named mohela, and since then the servicer has moved my loan repayment date up by more than a year and a half. Moreover, the servicer refuses to accept documentation proving that I am XXXX XXXX and continues to demand payment in full in the amount of over {$800.00} per month while I am XXXX XXXX XXXX I reached out to the servicer to demand the reversal of my loan consolidation, I have reached out to the federal student aid organization to demand reversal of my loan consolidation, and now I am being forced to pay back my school loans while I'm XXXX XXXX My complaint is against mohela for refusing to allow me to reverse my consolidation, and to the Department of Education for failing to honor the terms of the loan consolidation agreements that it made with XXXX like me. My credit score has been impacted by the false information provided by this loan servicer, and having to pay back my loans while I'm XXXX XXXX is an undue hardship that was not part of the consolidation agreement. Furthermore, the loan servicer mohela Has changed the loan agreement stipulations without notice.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

There are 4 companies reporting inaccurate information on my credit report I reached out to all the companies and disputed them with the 3 credit companies. I ask each company for a validation of the debt and never received the information. 


XXXX XXXX XXXX date opened XX/XX/XXXX {$420.00} XXXXXXXX XXXX XXXX  ( date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX ) {$800.00} XXXXXXXX XXXX XXXX XXXX date open XX/XX/XXXX ) {$1700.00}
Consumer complaint received 2024-07-09
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: ALLIANT CREDIT UNION (MI)

Alliant Credit union uses XXXX XXXX services to administer their credit card disputes. XXXX  refuses to send electronic communications regarding disputes ; instead, they send physical letters that are backdated multiple weeks before receipt. 

For instance, I received a letter on XX/XX/XXXX, backdated to XX/XX/XXXX, stating that they needed additional info for an open dispute. I promptly sent it. However, today ( XX/XX/XXXX ), I received a letter from XX/XX/XXXX that said they closed the dispute because they didn't receive the requested information. I didn't receive the first letter requesting info until after they had closed the dispute!
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} PORTFOLIO RECOVERY ASSOCIATES Date opened XX/XX/XXXX Balance {$900.00} PORTFOLIO RECOVERY ASSOCIATES Date opened XX/XX/XXXX Balance {$2300.00}
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Due to several data breaches my personal information has been compromised and several accounts who dont belong to me were opened in my name. I have attached a copy of my only address/ my passport which shows my legal name and proof I filed an identity theft report with the ftc along with freezing my reports via lexis nexis. All names addresses and accounts listed with transunion are false and do not belong to me. I have attached proof of my only identity, my only account number which is my social security number and a proof of my only address from a government agency XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MD)

I tried to use my Amazon rewards card issued by Chase and my purchased was declined due to Chase having cancelled my credit card account without prior notice to me. I have been a user of this card for several years and I have never been late nor had any problem with Chase prior to this. I called Chase Credit Card Customer service to see why my card was declined by Amazon. The rep said your account was cancelled due to possible fraud from a XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX when I called them, they had never sent any notice of this potential fraud and they had not informed me the card was can cancelled. It appears they broke credit card laws by not informing me of possible fraud on my account. Can you help?
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/year>, I discovered that my personal information had been part of a data breach. I decided to lock my credit file with the XXXX credit bureaus. I was able to do this for free with XXXX and XXXX. TransUnion demanded that I pay for their credit monitoring services. I complied even though I already pay for monitoring through XXXX. Once I signed up, I was barraged with e-mails daily seeking for me to purchase more services with them. What is worse is that every time I receive an e-mail from them that activity related to my personal information has been detected in the dark web, I am not able to access this information. Instead, I log in, and then I am directed to more products to purchase. XXXX, has never made me go through these hoops. They e-mail me, and I am able to see the information very easily. No ploys to direct me through a Byzantine and difficult website in order to coerce me into buying new products. I feel I have been scammed, when I am simply trying to protect myself. It is incredibly frustrating, and I feel the CFPB should be aware of their practices.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (CO)

Pentagon Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX website address is www.PenFed.org I am writing to formally submit a complaint against Pentagon Federal Credit Union Please review the documents attached as I believe they are relevant to the case. My account is being reported as a charge off that should not have a balance according 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies but the attached financials show they are reporting not as a charge off but as a Recorded Investment ( 1 ) Recorded investment is defined as the unpaid principal balance, net of unamortized fees, costs, premiums, discounts, or other basis adjustments, net of charge offs, and accrued interest receivable.

For the following reasons : 1. Inaccurate Reporting : The bank has reported inaccurate information regarding my account to all 3 credit reporting agencies. This misinformation has adversely affected my credit score, approval of credit and all together my financial standing. 2. Misuse of Federal Reserve Loans : I am concerned th
at Pentagon Federal Credit Union may be abusing loans obtained from the Federal Reserve. It appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relation to my account.

3. Abuse of Insurance Policy : The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be an abuse of the insurance coverage and has resulted in additional financial burden on my part.
Consumer complaint received 2024-09-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

I recently contacted Nelnet to inquire about a student loan that was previously serviced by them but has since been transferred to XXXX. While they confirmed the transfer, I noticed that my credit report still shows the Nelnet account as open and in good standing. However, this balance is still listed on my report and is affecting my Debt-to-income ratio To address this discrepancy, I've already disputed the information with XXXX, XXXX, and XXXX . Although there hasn't been a resolution yet, Nelnet has informed me that the Department of Education is currently suppressing the account with no resolution date. Just a " wait and see '' response. 

.