davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CA)

This past XXXX or sometime earlier this year I contacted XXXX or XXXX in regards to my credit report. I reported false claims on my credit report. They went ahead and removed it. I know for legal reasons, they have to note and document when something is removed from my credit report. 

The XXXX XXXX had originally reported something on my credit report because of the XXXX XXXX renters and housing crisis. While nobody was able to work, they still harassed me to make payments. Jumping to 2024, I had this credit ding removed from my credit report. Now its popping up again as a new outstanding collection under a new name of SOURCE RECEIVABLES MANAG. 

I never heard of SOURCE RECEIVABLES MANAG. They never mailed or emailed me anything. But one thing is for sure, this debt is owned by XXXX XXXX and it was removed from my credit report. 

I know that collection agencies are companies that choose to bye debt. But they are required to inform us when our debt moved around. They are also not allowed to please debt back on our credit report after a credit agency removed the charges/claims. 

Please teach out to either XXXX or XXXX about this collection.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (FL)

I am writing to bring to your attention a concerning issue with my credit file. I have noticed a collection entry from your agency that I was not previously informed about. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide the necessary validation and take appropriate action to address this matter.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

I am writing to bring to your attention a concerning issue with my credit file. I have noticed a collection entry from your agency that I was not previously informed about. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide the necessary validation and take appropriate action to address this matter.
Consumer complaint received 2024-08-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

Date opened : XXXX XXXX XXXXXX/XX/year> Balance : {$31000.00} To Whom It May Concern, Im reaching out regarding the above-referenced debt thats been reported on my credit report. I want to clarify that Im disputing this debt, as I believe there may be some discrepancies.

According to 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681s-2 ( a ), I understand that youre required to provide proper validation of this debt. This should include the name of the creditor, the amount owed, and any details that would help me accurately identify the debt.

Additionally, Im aware that under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), Im entitled to dispute this debt within 30 days of receiving a validation notice. Unfortunately, I didnt have the opportunity to do so, and I feel that placing this collection on my credit report may not be in line with my rights as a consumer.

Furthermore, Im concerned that your actions might violate 12 CFR 1006.34 ( d ), which prohibits debt collectors from using false, deceptive, or misleading practices when collecting a debt.

Given these circumstances, I kindly request that you remove this account from my credit report and pause any collection activities until you can provide the necessary validation and ensure everything is in compliance with the relevant laws. 

I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your understanding. 

Note : I also want to mention that in Arizona, the statute of limitations for written contracts, including most debts, is 6 years under Arizona Revised Statutes A.R.S. XXXX.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I asked for this account to be updated or removed to paid as agreed Credit acceptance co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (PA)

XXXX is reporting the following incorrect information and has been doing so for over a year with no help whatsoever. This is now causing me a lot of harm as I look for a new apartment I am unable to get approved because of this innacurate derogatory mark on my credit file. The following information is innacurrate and i have even provided a screenshot of my XXXX  account as proof. 

Balance - {$260.00} Amount past Due - {$86.00} Remarks - 120 past due All of the above is incorrect. My account balance is {$0.00}. My account is closed. And I am not past due. 

I would like all of this removed immediately from my consumer credit file on equifax.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOFI TECHNOLOGIES, INC. (SC)

. I have attached a list from XXXX XXXX XXXX  recognize accounts, inquiries, job, addresses as a result of Identity Theft and fraud. per case # XXXX
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST HAWAIIAN, INC. (HI)

I log on to FHB.com daily to monitor and manage my checking account. I also keep a separate independent log of every pending/current transaction that I know of Today XX/XX/year> I had 1 payment credit that was due to post to my account as well as 1-3 transactions that were due to be charged against the account anywhere from today to Thursday the XXXX. All of the transactions were executed against the account today, but there was enough to cover everything because I have been keeping track of it. Upon further investigation it appears that all charge transactions were executed first anywhere from XXXX to XXXX this morning and then the scheduled payment credit to my account was processed dead last, which allowed the XXXX payment to momentarily overdraw the account causing it to incur the {$30.00} NSF fee just before the {$32.00} account credit was to post. The FHB banking system is supposed to or normally has a grace period function that is supposed to delay fees like this for this very reason to give the account balance and transactions time to reconcile, but it did not occur in this case. 
Since this is clearly not my fault I am requesting that the {$30.00} NSF fee be reversed and restore my balance to it's rightful positive balance state. 
Another issue occured on XX/XX/XXXX where a small deposit of $ XXXX resulted in a post transactional balance that was {$0.00} less than what it should have been. I checked my balance just before entering the branch and then again later when I noticed the discrepancy. I have multiple alerts in my notes about this showing exactly where it occured and that I am not wrong. I chose not to mention it until now because of this {$30.00} NSF and did not feel like initiating a complaint over {$0.00}, but now is the time for it to be mentioned. 
I have attached excerpts from my notes and the deposit slip. I am requesting an account credit of {$0.00} for this as well.
Consumer complaint received 2024-10-22
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. (PA)

I've found several companies that they're violated f c r a consumer laws reporting inaccurate information as well as Some information there has been Furnished, without my consent. In written permission, this is the greatest form of identity. Theft, these items listed in my documents, which will be found in the attachment. Shall be deleted immediately from each and every File.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX XXXX XXXX, 2024 To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for this account listed below. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately. 

JEFFERSON CAPITAL SYSTEMS Partial Acct XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; ( XXXX ) XXXX XXXX In addition, please remove all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 


Thank You, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Arivo Acceptance, LLC (AZ)

XXXX I provided documentation of my husband 's enlistment into the military XXXX XXXX requested information from Arivo Acceptance over the phone about current interest rate on vehicle and to lower to XXXX % per SCRA and what documentation was needed XXXX I called the Arivo to get information on if our interest rate was going to be lowered, was informed that I could provide paystubs to state that he was XXXX XXXX, later that day I emailed copies of all paystubs needed XXXX Arivo informed me that they would not be able to accept the paystubs and needed other documentation to prove he was XXXX XXXX XXXX I provided official documentation stating that he was XXXX XXXX XXXX- XXXX XXXX I called multiple times asking when our new interest rate was to be enacted and why it hasn't, was provided no specifics and told it would happen XX/XX/XXXX I called stating that I was going to seek legal representation as we were unable to come to a resolution, spoke with a manager and was asked to give them one more week and that it would be complete XXXX I called and spoke with same manager and it was not completed and I provided the same documentation as before through email stating my husband 's XXXX XXXX status XXXX I met with a military lawyer to obtain next steps, drafted an email to send to arivo and was advised to submit complaint if I heard nothing from arivo regarding this issue XXXX I sent an email to previously mentioned manager stating, that I had been erroneously paying a XXXX  % interest since XX/XX/XXXX and that I was entitled to XXXX  % or less under SCRA. I continued by saying if something was not done in the next XXXX business days I would be filing a complaint with the CFPB, and further requested proof of receipt, proof of calculations, proof of rate change, and that the total amount to be credited to my principal balance
Consumer complaint received 2024-08-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FC HoldCo LLC (GA)

I have been victim of Identity Theft and my Identity was cloned. Per the police they found the criminal who cloned my driver license and forged my signature account on XXXXXXXX this loan was taken out in my name fraudulently. I have mailed Flagship Credit Acceptance at the address provided in my credit report at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX along with the police report to have this removed from my credit but this continues to show on my credit report even though I was a victim of fraud and I didnt take out this loan.
Consumer complaint received 2024-08-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

I PAID THIS ACCOUNT OFF TO A XXXX BALANCE ON XX/XX/XXXX, WAY BEFORE THEIR CLOSING DATE OF XXXXXX/XX/XXXX. AND YET THEY CHARGED ME A {$2.00} FEE FOR THIS LAST STATEMENT, I REFUSE TO PAY THIS. IT IS BEYOND RIDICULOUS THIS {$2.00} FEE FOR A PAPER STATEMENT THAT THESE COMPANIES ARE CHARGING NOW. THEY CAN WRITE THIS OFF BECAUSE IT IS A STUPID FEE FOR NOTHING. I KNOW THE ACCOUNT IS PAID OFF, AND I WANT A NEW STATEMENT REFLECTING THE ACCOUNT AT A XXXX BALANCE AND THEY DON'T HAVE TO SEND ME ANY MORE STATEMENTS UNLESS I DECIDE TO DO BUSINESS WITH THIS COMPANY AGAIN. AND CHARGE THAT CARD AGAIN. 
Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) REFLECT THE ACCOUNT AS PAID OFF WITH A STATEMENT TO ME REFLECTING THAT IT IS AT A XXXX BALANCE AND WAIVE THE {$2.00} FEE YOU APPLIED TO THE MOST CURRENT STATEMENT. AND SEND SUCH INFO TO ALL CREDIT BUREAUS. 
ALSO PUT PAPER STATEMENTS TO ME ON HOLD UNLESS I STARTED USING THIS CARD AGAIN AT THIS PARTICULAR STORE. I CAN ONLY USE IT AT THIS PARTICULAR STORE - SHOP HQ/CARD BY SYNCHRONY BANK.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (GA)

I was a part of the XXXX XXXX XXXX and I have made a dozen efforts to have the incorrect items removed from my XXXX credit report. The last effort was made in XX/XX/year>, as I sent a letter with legal documents, along with copies of documents to verify my identity. As of today, XX/XX/year>, a XXXX representative informed me that my CFPB report and other legal documents were not sufficient. They are essentially refusing to honor my documents to remove unauthorized documents for a data breach that their reporting agency exposed me to unknowingly. XXXX and XXXX has already removed the unauthorized information ; thus, XXXX must adhere to the law, removing the FCRA Errors, so that my credit reports are parallel. Below are the incorrect inquires that must be deleted immediately : XXXX XXXX XXXX XXXXXXXX XXXX A WORLD ACCEPTANCE - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Below are the incorrect derogatory items that must be deleted : XXXX XXXX XXXX LL XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN WORLD ACCEPTANCE COR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (TN)

XXXX Deposited XXXX seperate cash deposits to trade on the platform. They close the account hours after the XXXX  deposit clears my bank. No notice, no explanation, no email. I didnt even know the account was closed until I tried logging in. They refuse to respond to me, they refuse to give me my XXXX back. Nothing is working.
Consumer complaint received 2024-07-26
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I've used XXXX Bill pay to send my monthly payment of {$110.00} to Synchrony bank, for my mattress firm card balance. The system accepted all payments in this method for all of XXXX and XXXX and through XXXX of XXXX. It accepted payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

My payments sent for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, are being returned. XXXX XXXX  is sending the paper checks to Synchrony in exact same method as I've sent in for XXXX, XXXX, and XXXX. Snychrony bank is returning the paper checks and not showing that I've paid my bill for those months. 

Ive provided more than 3 times a bank statement with activity from XX/XX/XXXX through XX/XX/XXXX. This statement details the months checks were returned : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent this electronically through the system and also via Fax. No Resolution from Synchrony. 

3 times previously, I've sent Proof of Payment from my Bank ( XXXX  ) for payments I made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Given the facts above, I sent another payment on XX/XX/XXXX in the amount of {$340.00}. I sent a separate payment of {$110.00} on XX/XX/XXXX. In a cruel twist of irony, this payment was accepted and my XXXX payment of {$110.00} was not accepted. 

I previously provided this proof of payment to Synchrony bank through the message center, which is no longer on the webpage as of today. 

This is the worst customer service Ive ever encountered. For 7 months, Synchrony has not fixed their system and it is causing me undue stress and XXXX
Consumer complaint received 2024-07-25
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TX)

I filed complaints XXXX relating to closed XXXX  accounts. In those complaints I requested a final accounting of funds deposited to this account. I was not provided that accounting and the check provided upon closure of the account was {$300.00} less than the amount that should have been in the account. Because the account has been locked, I have no access to this information. 

Please direct XXXX  to provide a full accounting so that I may pursue this matter further with state banking authorities.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (NY)

Loans were discharged a long time ago and this has not been reported to the credit bureaus. My balance is now zero however the credit bureaus are still showing that I have many thousands of debt. Some of the loan balances have not been updated since XXXX. The one that was updated in XXXX still shows incorrect information.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (DC)

I RECEIVED A LETTER FROM ED FINANCIAL STATING MY ACCOUNT WAS PAID IN FULL WHEN I CALLED TO ASK THEM TO HAVE IT REFLECT PAID IN FULL ON MY CONSUMER REPORT THEY SAID THAT IT WASNT.
Consumer complaint received 2023-06-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2024-10-27
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. (NM)

I am in the middle of applying for a mortage. I have always received credit scores from XXXX which has indicated a XXXX score between XXXX and XXXX. The mortage company just called and said I have 2 late payment reported on a Chase Credit card showing on XXXX and XXXX. I then went on line and saw that both of these companies show 2 late payment from Chase Card starting w XXXX. I did not recognize this card and called Chase. Chase told me it does not have a card under my name starting w those digits. 

I then explained that perhaps its a card under my spouse 's name and the person said she could not help me. I never had a card w Chase starting w those 6 digits and never authorized her to name me as an authortized user. Nor did I ever use any card other than those in my name. 

Can someone immediately notify Chase and have some one from Chase Credit Card call me to clear this up. Chase was unable to help me over the phone and the phone disconnected several times. 

XXXX XXXX