davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Dear XXXX, I am writing to file a complaint against XXXX XXXX regarding a debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX Code XXXX, I believe that my rights have been violated, and I request your assistance in resolving this matter. I have recently been contacted by XXXX XXXX regarding an alleged debt in the amount of {$1300.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to XXXX XXXX  or any other entity. According to XXXX XXXX XXXX XXXX, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to XXXX XXXXXXXX disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. Despite my written requests, XXXX XXXX has continued to contact me regarding the alleged debt, which has caused undue stress and anxiety. Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my credit score and financial standing. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (IN)

These accounts have violated my rights to privacy as a consumer protected by federal law according to the Fair Credit Reporting Act under 15 USC 1681. 

XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602A says that I have the right to privacy.

15 USC 1681 Section 604A section 2 says that a reporting agency can't furnish an account without my written consent to do so.

15 USC 1681c. ( a ) ( 5 ) says that no 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 USC 1681s-2 ( A ) ( 1 ) says that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

In early XX/XX/XXXX I received an unsolicited credit card for my business in the mail from chase. I have had a credit card, the same one, for years with them. A fraud supervisor told me that sometimes chase sends out new cards for security purposes. He would cancel my old card and to use the new one. On XX/XX/XXXX I called the business premier banking line at Chase as my new card wasnt showing up and my old card was still there. I spent over an hour on the phone being transferred 6 times to find out the new card was for an account I supposedly opened in XXXX ( why would I open a second exact same credit card? ) and was due to expire. In other words a different account. For over 20 years as a chase customer Ive only ever had one credit card account. I tried today to cancel this unsolicited account without success despite being transferred back and forth. I am concerned that like XXXX XXXX opening unsolicited accounts some years back, chase might have done the same thing here. I need this second account closed and not be transferred around while they point the finger at another department. Chase reference number XXXX.
Consumer complaint received 2019-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Ive reached out to Navient the servicer of my student loan. Multiple times my accounts were switched to forbearance after calling navient why my accounts were being automatically switched without any notice. This has caused me to pay much more in interest to navient over the life of the loans. Navient has switched my accounts to forbearance multiple times without permission. When I try reaching out to Navient I have received multiple hang ups and the problem keeps occurring. 

XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Dear Sir/Madam, I am writing to address a matter concerning my closed account with XXXX XXXXXXXX XXXX  XXXX Account Number XXXX, which remains inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports. As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. Given this definition, I am requesting that XXXX XXXXXXXX XXXX  take immediate action regarding the closed account reported on my credit file. Specifically, I urge you to update the status of Account Number XXXX to reflect that it has been paid in full. The account in question was opened on XX/XX/2023, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. I trust that XXXX XXXXXXXX XXXX  will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.
Consumer complaint received 2023-09-03
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. (NY)

Trans Union failed to provide an opt-out notice, as is required by all financial institutions, in which I, the consumer, have the option to opt-out of having my information shared with unaffiliated third-parties. Thus, any unlawful use of my nonpublic personal information without full disclosure and consent constitutes identity theft. 

On XX/XX/23, Trans Union received my Notice of Identity Theft, affidavit, and other required personal identification information per 15 USC 1681c-2, requesting that Trans Union remove one ( 1 ) unauthorized adverse transaction from my consumer credit report. Neither Trans Union nor the company identified in the transaction have provided me with an opt-out notice allowing me to exercise my right to privacy. Trans Union failed to comply with the statute and with my requests by failing to block the reporting of unauthorized information identified by me, the consumer, no later than 4 business days after receipt of notice. 

Trans Union continues to unlawfully use my personal and financial information which included the sharing of information to unaffiliated third-parties that adversely affected my creditworthiness ( i.e. denial for credit of {$90000.00} and {$85000.00} from two separate financial institutions ) and resulted in defamation of my character and general reputation.

Despite three ( 3 ) written notices sent via certified mail, Trans Union continues to report damaging unauthorized personal and financial information on my consumer credit report.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

There were unauthorized purchases made on my credit card. After Chase initially adjusted the charges but after their 'investigation ' they found we were liable for the charges. 

I ran a spreadsheet of adjustments on the chase website, they totaled {$1100.00}. Chase put back over {$1400.00} worth of charges on XXXX. This amount is incorrect as proven by downloading a spreadsheet on their website. 

I've attempted to speak with Chase and advise them of the issues but they keep transferring me. I was on the phone with 4 different customer service reps on Wednesday, it took me until the 4th rep to confirm the correct amount. The amount of {$1100.00} was confirmed by 4th rep. Then two days later, I see they put the original amount of {$1400.00} back to the card. 

Chase is accusing me of fraud. They are being deceptive and can not provide any documentation to support their numbers. I get bounced around their phone system when trying to correct the issue. 

Chase Recovery phone number is XXXX
Consumer complaint received 2024-05-23
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (IN)

My soon to be ex-wife took out several credit cards and loans out in my name and racked up around {$30000.00} worth of debt in my name. I currently have debt collectors trying to collect and my credit score is horrible.
Consumer complaint received 2023-08-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I bought a car with US Autos Sales in XXXX, GA in XX/XX/XXXX. The company went bankruptcy and sold my car to another company without my knowledge. The warranty I paid for do not exist. Also the company did not have their sellers licenses. The overcharged me for my vehicle. Now the money I paid the new company Westlake Portfolio is not transferring my payments over. They say I owe XXXX on a XXXX vehicle I been paying on. I can't reach anyone on this matter.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am submitting a complaint against XXXX. They have been causing so much damage to my credit report with the way they report their credit limit. One month they will report I have a credit limit of {$1700.00}, the next they will report my credit limit is {$720.00}. Causing my debt to ratio to fluctuate. I have submitted several complaints with Experian but they never do anything. My actual credit limit is {$720.00}. I have attached the screenshot I took on XX/XX/year> & I have also attached a screenshot of the credit limit they reported to Experian. This has been an ongoing issue. They need to go ahead and start reporting accurate information because once again they are going to cause my credit report to go back down next month. They either increase my XXXX credit limit to {$1700.00} or stop reporting that it's {$1700.00}. This is exactly why I paid them off as quick as I could to have a {$0.00} balance and even then they still went ahead and reported my limit at {$1700.00} with 0 % debt owed.
Consumer complaint received 2024-05-24
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. (FL)

These entries in my credit file stem from the unauthorized use of my social security number and card. I am not aware of, nor did I authorize, the opening of these accounts in my name. Furthermore, they are unrelated to any actions I have taken. 

The discovery of these unauthorized accounts has caused me significant distress and frustration. Dealing with the misuse of my personal information has been an unwelcome burden, and I am deeply upset by this violation of my privacy. 

It is unacceptable that such unauthorized activities have occurred, and I am determined to rectify this situation promptly.
Consumer complaint received 2023-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (DE)

TRANSWORLD SYSTEMS INC IS IN VIOLATION OF FCRA 615 ( F ) ( 15 USC 1681M ( F ) PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT! THIS DEBT WAS OWNED BY XXXX XXXX WHO WERE SUED AND THIS DEBT WS DISCHARGED XX/XX/XXXX. NOW TRANSWORLD IS REPORTING THIS DEBT AS OF XX/XX/XXXXXXXX  FALSELY TO ALL 3 MAJOR CREDIT BUREUS. I FULLY INTEND TO PURSUE LITIGATION IN ACCORDANCE WITH THE FCRA TO ENFORCE MY RIGHTS AND SEEK RELIEF. TRANSWORLD PURCHASED A DEBT THAT WAS DISCHARGED AND NEVER ALLOWED ME TO VALIDATE THT THIS WAS EVEN MY DEBT OR ACCURATE. LASTLY, TRANSWORLD IS IN VIOLATION OF USC 1681 C-2. I AM 100 % WELL AWRE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) TRANSWORLD ARE CRIMINALLY LIABLE FOR GIVING FALSE INFORMATION TO THE CREDIT BUREUS AND THEY ARE LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS DEBT. THEY ARE LIABLE FOR 2X OF THE FINANCE CHARGE. I WILL ESCALATE THIS MATTER TO THE FURTHEST EXTENT UNTIL THIS MATTER IS COMPLETELY SOLVED.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (VA)

My complaint is with pentagon federal credit unionXXXX XX/XX/XXXXXXXX  my mother XXXX XXXX XXXX passed away.After we informed Penfed they locked up her accounts which were in her name, my name only being on the checking account.The nature of my complaint is that my mother had a credit card that had a balance and they have put it on my credit report via XXXX as a delinquency. I never entered into any agreements or signed or consented to anything related to her credit card.The account in question was opened in XXXX when I would have been XXXX XXXXXXXX XXXX .My brother XXXX XXXX XXXX decided to be the executor of my mothers will .She died with very little and the estate was non probate.Penfed refuses to speak with me on this matter unless I obtain a " certificate of small estate.Im not the person handling, they refuse to speak to my brother also. 
They have long since been sent a death certificate and still mail bills in my mothers name as well as collection letters. 
I need my mothers credit card and accounts removed from my credit report, as they have already caused me financial hardship. 
Please assist in any way possible.
Consumer complaint received 2018-08-22
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: Total Card, Inc. (TX)

MY NAME IS XXXX XXXX, SSN XXXX, DOB XX/XX/1986 I HAVE HAD SEVERAL ISSUES WITH TOTAL VISA CARD AND THEY FAIL TO MAKE THINGS RIGHT, I RECEIVED LATE MARKS ON MY CREDIT REPORT, I ASKED FOR A GOODWILL REQUEST AND IT WAS DENIED STATING IT WAS ACCURATE, I AM NOT DENYING THE VALIDITY BUT THEY NEVER SEND ME STATEMENTS, THEY NEVER CALLED ME TO REMIND ME OF PAYMENT, I HAVE NEVER TALK TO THEM AND WHEN I DID THEY SAID IF I MADE A FULL PAYMENT THEY WILL REMOVE THE LATE MARKS WHICH THEY LIED BECAUSE NOW THEY ARE SAYING THEY WILL NOT. I AM GOING TO SUE THIS COMPANY IF THEY DO NOT REMOVE ALL LATE MARKS AND REFUND LATE FEES TO MY ACCOUNT, BUT MOST IMPORTANTLY ALL CREDIT LATE MARKS MUST BE REMOVED FROM MY CREDIT REPORT, I AM UNABLE TO GET A MORTGAGE THANKS TO THEM, I DEMAND THAT THEY SEND ME DOCUMENTATION STATING WHY I DONT RECEIVE STATEMENTS, ALSO WANT RECORDINGS OR PROOF THAT THEY ATTEMPTED TO CALL ME TO COLLECT PAYMENT IF THEY FAIL TO PROVIDE ME WITH THAT THEY MUST REMOVE LATE MARKS UNDER FEDERAL LAWS OF CREDIT REPORTING OR I WILL BE FORCED TO SUE TOTAL VISA CARD AND XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (NY)

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 THESE ACCOUNTS 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 listedXXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-05-04
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXXXX/XX/XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MA)

After the XXXX of my father in XX/XX/XXXX, my mother became delinquent on her mortgage. My fianc and I later decided to move into the premises to assist my mother with the mortgage payments. 

Recently ( XX/XX/XXXX ), we began the filings for a loan modification ; now that life and legalities ( probate court ) have settled. As part of the loan modification application, XXXX XXXX ( the mortgage servicer ) wrongfully made us aware that a Quitclaim Deed would be necessary to consider both my fianc as additional income for the loan modification. From XX/XX/XXXX to XX/XX/XXXX, we were denied four-times for a loan modification due to " Ineligible Borrower '' because Mr. Cooper told us to have my mother quitclaim deed the property to my fianc and I. 

More recently, we appealed our most recent denial. Mr. Cooper came back with the response that they were sorry for providing us with wrong information about the Quitclaim Deed, but ultimately our mortgage is not eligible for a loan modification due to " Insufficient Payment Reduction ''. We asked why " Insufficient Payment Reduction '' was a reason, and they told us it is because of " Investor Guidelines ''. Thus, we asked for the investor guidelines that they were referring to. And, we were told that Investor Guidelines are " proprietary '', and they could not disclose that information to us. Yet, after looking at the calculations that result in " insufficient payment reduction '', we found there is no extension of the current amortization schedule. How do they expect two ( 2 ) years of a delinquent mortgage to be paid with no term extension? That is just crazy.

We are wondering if we could ivnvetigage the " investor guidelines '' that are preventing us from a loan modification. Mr. Cooper delayed the process by telling us wrong information in regards to the Quitclaim Deed, and is now delaying the process further by not willing to work with us.