davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Mohela needs to forgive the remaining balance of my student loans. The loans were supposed to be consolidated first. Then, all of my student loans would have been forgiven. Mohela did not do it. 

Please correct the mistake. Forgive the rest of my loans.
Consumer complaint received 2024-07-24
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: Cascade CISS Holdings, LLC (NJ)

I was unaware that these companies was on my credit report as hard inquiries, which I did not apply to. I spoke to someone on XXXX about getting them removed. I sent documentation to them which they had failed to remove them unless I have an FTC report.
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Patenaude & Felix A Professional Corporation (WA)

On XXXX XXXX XXXX XXXX around XXXX, someone came to my front house door and asked for XXXX XXXX XXXX myself ). She handed me a paper that appears as a complaint for monies due with an apparent case number, however, when researching the case number with the court and the so-called attorney 's office, nothing came back favorable. This leads me to believe this " complaint '' is fraud and someone is misrepresenting themselves as an attorney to collect on a past debt.
Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

I have called a settled this dispute directly with XXXX XXXX but the collection company WILL NOT take it off my credit report! I have called MUTIPLE TIMES to get this removed with no results!

This is AT LEAST the third time I've tried to get it taken off. This is for equipment that has BEEN returned! I need this taken off as whoever was in charge of this collection should be fired for not doing there job.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Americor Funding, LLC (NY)

JIn XX/XX/year>, I received a notification from my credit report indicating that a new account had been added by a company named credit9 LLC. Upon contacting them, I was informed that I still had to pay the debt. A few months later, I received another notification from the credit report showing an address ( XXXX XXXX XXXX XXXX NY XXXX ) where I had never lived. I reached out to all three credit bureaus to clarify that I did not reside at that address and that the account linked to credit9 LLC was not mine, likely due to fraudulent activity.
Consumer complaint received 2024-07-06
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. (NV)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ XXXX XXXX XXXXXXXX ACCT : XXXX, XXXX ACCT : XXXX, XXXX XXXX XXXX ( DEBT COLLECTOR ON BEHALF OF XXXX ) ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : * FTC Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Copy of Credit Report * Fair Credit Reporting Act Section 605B
Consumer complaint received 2024-07-28
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: Global Lending Services LLC (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> GLOBALLEND Dear Credit Bureau, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

My card and personal information was obtained and I received a fradulent charge of {$200.00} to my Chase checking account. At the same time I got an email XXXX with hundreds of emails claiming that accounts were open. The charge was to a XXXX XXXX in another state half way across the country. After filing a claim and receiving a new debit card, my claim was reversed and I was charged with no explination of how the determination was reached that resulted in the denial. I was also told that I would be unable to dispute the findings unless my card had been lost or stolen prior to the fradulent charge.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written, unwritten, verbal and non Verbal per 15 usc 6802
Consumer complaint received 2024-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (LA)

I submitted military orders requesting SCRA protection be applied to my account on XX/XX/year>. According to customer service reps, the account was approved and placed on XXXX protection on XX/XX/year>. My interest rate has not been reduced. I have called in several times requesting information pertaining to the interest rate reduction and I get a number of different accounts of what is going on with the account but as of today XX/XX/year> the interest rate has not been reduced. I sent an email requesting something stating the account is under review or approved or denied but I have yet to receive anything. The interest rate has not been reduced and when I call all I am told is that they have no further updates on my account. I called today and spoke with XXXX in customer service XXXX department and asked for a number to Corporate and he stated he didnt have one. I asked if he could ask the supervisor for one who stated he didnt have one either. I then asked for an email for corporate and they both stated they didnt have an email for their corporate office. It has been well over a month and emails later and I havent received a response or any changes to my account. I am reaching out to you in hopes to gain additional resources regarding this matter. I will also follow up with the XXXX with my state military department. Please investigate this companys XXXX practices in addition to my case.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

There are 3 closed Department of Education/XXXX  accounts on all three of my credit reports. One was opened in XX/XX/XXXX, one XX/XX/XXXX, and the last XX/XX/XXXX. All these accounts are older than 10 years and need to be removed from my credit report. I have contacted all three credit bureaus and they have done nothing and said everything was satisfactory when it is evident that all three student loan accounts are older than 10 years.
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

New auto loan. Sent enrollment email. Filled out auto withdrawal forms. Attempted a small payment a week prior to due date. Called customer service a few days after. Customer service stated give it XXXX days to post. Due date came and went. Customer service said request went through. Told to wait XXXX additional days. On the XXXX day called and found new account was delinquent. Paid immediately using debit. Forced to pay a {$30.00} fine for late payment. Asked if they could debit the same checking account with debit provided. Stated theyd send another enrollment form when ach cleared. Essentially Im taking the same gamble again and may be stuck paying more fines. Wont elevate concerns to management, not dealing in good faith.
Consumer complaint received 2024-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (IL)

XXXX XXXX is is the 6th collection agency to attempt collection of the debt. of {$250.00}. XXXX As with the previous 5, the debt was never verified. Please find attached various credit reporting firms, and collection agencies that have deleted this account from their records. I have never seen this many attempts to collect a debt that was not verified. Please have them delete this from their records. Debt Recovery have sent me two request both for $ {$250.00} with the date of XX/XX/year>, their reference numbers of XXXX, XXXX.
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (PA)

Good Day : Pray all is well. I am an XXXX XXXX Veteran. My car was totaled on XX/XX/year> due to driver hit the car from the back. The XXXX XXXX XXXX XXXX XXXX & I have trying to my car loan company - Regional XXXX XXXX Claim department to fax the Letter of Guarantee to pay-off the loan but to no avail. XXXX wont let me speak to the Claim Representative to address this issue. Moreover, XXXX is still want me to make payments on the car loan even though its been Totaled. I have XXXX insurance to pay the remaining amount off, yet they wont stop the payments. 

As stated above, as a XXXX Veteran, my vehicle is the only form of transportation for medical treatment at the XXXX XXXX XXXX. XXXX provided a rental only for XXXX weeks. XXXX XXXX XXXX informed me the process would be completed within XXXX - XXXX business days in order for me to purchase another vehicle but to no avail. 

That said, I request PA XXXX assistance in this vital matter for both parties to process the above in accordance to policy : Here is the information for both companies : XXXX - Claim # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Fax : XXXX XXXX RAC - Account # XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX / XXXX ( XXXX ) XXXX Claims : XXXX ( XXXX ) XXXX XXXX Thank you for your time and consideration. 


Sincerely, XXXX XXXX XXXX XXXX XXXX Veteran
Consumer complaint received 2023-05-24
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. (NY)

This company claims i opened a account with them XX/XX/2022 i sent multiple letters asking to state proof which all they sent was an itemized printout of what they claim is my account or billing statement, which is that printout does not represent verification.i feel this company keep violating my rights. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was scammed out over {$130000.00} from XX/XX/year> to XX/XX/year> via international wire transfers on 4 transactions from Chase bank for a pig butchering scam ( crypto investment scam ). The transactions are {$42000.00} on XX/XX/year>, {$35000.00} on XX/XX/year>, {$17000.00} on XX/XX/year>, {$41000.00} on XX/XX/year>. It was my first time using wire transfer. It was also my first time making these big-amount transactions within 2-3 weeks from my checking account. I authorized the transactions, but i did not know i was being scammed. Chase bank does not provide any fraud transaction detection system/process to check or self-examination. Pig butchering scam is one of the fastest-growing types of scams for the last few years. My international wire transfers were too weird and they should be easily identified. Chase bank should take action to combat pig butchering scam and protect customers ' life savings.
Consumer complaint received 2024-06-19
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. (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.

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 2024-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XX/XX/year> Subject : Request for Deletion of Collection Account Due to Failure to Notify Within Five Days To Whom It May Concern, I am writing to formally dispute the collection account appearing on my credit report. This request is based on the grounds that the collection agency failed to notify me within the required five-day grace period as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of Disputed Account - Creditor Name : XXXX XXXX  XXXX XXXX  - Collection Agency : XXXX XXXX XXXX  - Account Number : XXXX Failure to Notify Within XXXX Days Under the FDCPA, specifically 15 U.S. Code 1692g ( a ), a debt collector must provide the consumer with a written notice containing details of the debt within five days after the initial communication. This notice must include : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer disputes the validity of the debt within 30 days after receipt of the notice, the debt will be assumed valid by the debt collector if given contract or written consent. 
XXXX. A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer.

5. A statement that upon the consumers written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

In this case, I did not receive the required written notice within the stipulated five-day period nor any 30 day period. This failure to notify me is a clear violation of the FDCPA and affects the accuracy and validity of the information reported on my credit report. 

Request for Deletion Given the non-compliance with FDCPA requirements, I request that this collection account be investigated and subsequently removed from my credit report. Please conduct a thorough investigation into this matter and provide me with a written response detailing the results of your investigation. 

Compliance with FCRA and FDCPA Under the FCRA, you are required to ensure the accuracy and integrity of the information in consumer credit reports. Additionally, the FDCPA stipulates the procedures and timelines for notifying consumers of their debt. As a consumer, I have the right to dispute any incorrect information and have it corrected or removed. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and notify me in writing once the deletion has been completed. Should you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NY)

XXXX XXXX XXXX ID : XXXX Date of Birth : XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX NY XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MO)

I have noticed some unauthorized inquiries and negative items and numerous inaccuracies on my consumer credit report by the following companies. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Santander consumer USA , possible financial.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MN)

Someone called me saying they were from XXXX XXXX fraud department and were letting me know about some suspicious activity on my account using Zelle. I don't have a XXXX XXXX account anymore, nor do I have a Zelle account. They gave me a claim number and told me the transactions that were fraudulent then transferred me to another person who said they were from Zelle. They were very insistent that I stay on the call with them to resolve and reverse the charges on my Zelle account. I had to get to work so I asked for a callback number. 

Here is the phone number they gave me to call them back : XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MD)

This account was closed by the creditor on XX/XX/XXXX. My total balance due by XX/XX/XXXX was {$520.00}. On XX/XX/XXXX, I paid the balance in full, which left my account at {$0.00}. After the account was paid in full, Comenity proceeded to apply interest charges and late fees. In XX/XX/XXXX, Comenity reported that the account was late to the credit bureaus. I contacted Comenity to inquire about the charges, which were reversed and corrected due to the account being paid in full. However, no changes were made to the credit bureaus. I completed a dispute with all 3 bureaus in XXXX, which all were corrected with the exception of XXXX, which not only reported I was late in XXXX but reported I was also late in XXXX. I contacted Comenity on XXXX and learned that my account had a credit for overpayment in the amount of {$2.00}. I was told I must email the credit reporting department with the error. I emailed the credit reporting department to be advised a refund was being sent, but a " good will adjustment '' could not be made on my account. Please refer to CFB case XXXX, stating the company contacted the credit bureau to remove the delinquency. However, report was made on XX/XX/XXXX to XXXX with the payment status updated to 30 days past due and on XXXX/XXXX/XXXX to XXXX. There should be no reporting after XX/XX/XXXX. The company keeps stating they are doing a courtesy adjustment when the error was on their end. I paid the full balance well before the due date.