davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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 appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an inaccurate credit report data but I still have items left that needed to be removed. I was going through my updated credit report & noticed these items which were opened without my permission were still there. Since Im a stickler for research, under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to erroneous credit report entries. The dispute items were still a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX  Balance Owed : {$590.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$81.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-14
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)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

Fraudulent items that need to be deleted : XXXX ACCT XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$150.00} XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$470.00} XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$840.00} XXXX XXXX  ACCT # XXXX- OPENED XX/XX/XXXX AMOUNT {$450.00} BANKRUPTCY US DIST CT DISCHARGED XXXX XX/XX/XXXX FRAUDULENT HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2024-05-22
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. (TX)

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be removed immediately. 
XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX XXXX Balance Owed : {$410.00}
Consumer complaint received 2024-07-06
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: TD BANK US HOLDING COMPANY (MD)

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 2024-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (CA)

[ XXXX XXXX ] [ XXXX XXXX  XXXX ] [ XXXX XXXX Ca, XXXX [ XXXX ) [ XXXX [ XXXX XXXX XXXX XXXX Tx XXXX Subject : Dispute of Charge-Offs from American Express Under 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681 Dear [ XXXX ], I am writing to formally dispute the charge-offs listed on my credit report from American Express. I believe these entries are inaccurate and should be investigated and corrected immediately, as they do not comply with the legal requirements under 12 CFR 1006.34 ( b ) ( 5 ) and the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. 

According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide certain by XXXX  information to the consumer regarding the debt, including an itemized accounting of the amount owed. The entries for American Express do not provide sufficient details or documentation to substantiate the charges. 

Furthermore, under the Fair Credit Reporting Act 15 USC 1681, consumers have the right to dispute incomplete or inaccurate information. The charge-offs reported by American Express are both incomplete and inaccurate based on the following reasons : 1. [ Account Number 1 ] : Dispute Reason : Incomplete documentation provided. The charge-off amount lacks detailed itemization and supporting documentation. 
Supporting Documents : Attached is a copy of my credit report highlighting the disputed entry. 
2. [ Account Number 2 ] : Dispute Reason : Inaccurate information. The charge-off amount does not match the records I have from American Express . 
Supporting Documents : Attached are copies of my statements and correspondence with American Express showing discrepancies. 

I request that the credit bureau initiate an investigation into these disputed items and provide me with the results. Additionally, I request that any unverifiable or incorrect information be promptly removed from my credit report. 

In accordance with FCRA 15 USC 1681i ( a ) ( 1 ), you are required to investigate and resolve these disputes within 30 days. Please send me a corrected copy of my credit report once the inaccuracies have been rectified. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union violated my rights under the Americans with Disabilities Act and Section 508 of the Rehabilitation Act by not administering my Auto Loan hardship deferment/payment arrangement in a manner that was accessible to my XXXX. 

As a result they reported my account 30 days late for XX/XX/XXXX. 

I entered into a hardship agreement with Navy Federal Credit Union for my Auto LoanMy loan payment with deferred payments from XX/XX/XXXX to XXXX XX/XX/XXXX due to financial hardship as a result of my XXXX. 

However, Navy FCU never annotated my account online in my web banking portal, or through my mobile app. Navy FCU did not provide the details of my payment deferment anywhere in my online banking. 

I am a person with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I rely on my assistive technology and digital devices to manage my finances. 

I was unable to manage this arrangement accurately due to this accessibility failure. 

XX/XX/XXXX. 

I made a good faith effort to honor the payment arrangement, in the absence of accommodation for my XXXX needs. 

I made timely payments on XX/XX/XXXX XX/XX/XXXX My account was current as of XX/XX/XXXX. 

My next payment was processed on XX/XX/XXXX As of XXXX XX/XX/XXXX my account was current. 

My XX/XX/XXXX payment was paid on XX/XX/XXXX. 

This payment was not returned. 

My next payment was on XX/XX/XXXX. 

In XXXX and XX/XX/XXXX Navy FCU removed my capability to process online payments, violating my ADA rights to accommodate my XXXX. This prevented me from making a timely payment causing my payments to be late. 

Removing my ability to manage my finances through my assistive technology online is a blatant violation of my civil rights as a person with a XXXX. This action directly harmed me.
Consumer complaint received 2024-07-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I recently won an American Express gift card and was planning on using this primarily for transportation purposes on ridesharing apps such as XXXX and XXXX since I do not currently own a vehicle. However, I have tried on a few occasions to book a ride on both XXXX and XXXX, but the payment gets declined each time. The balance on my gift card is several XXXX dollars, and the rides I was trying to book were under XXXX dollars, so this is definitely NOT an issue of insufficient funds. 

American Express notes on their website that in order to avoid their gift cards getting declined, one should use them at online merchants that require the card number, expiration and security code. This statement seems highly misleading, as both the XXXX and XXXX apps require ALL of that information, which I entered correctly. And yet, the transactions still get declined each time. In my AmEx gift card transaction history the reason for declining is mentioned as " missing security code, '' however, this is incorrect because both apps do require me to enter the security code. I have attached screenshots to demonstrate this. 

Furthermore, AmEx claims on their website that their gift cards will be accepted " wherever American Express is accepted, '' which is also false or misleading since the gift card keeps getting declined at the XXXX most widely used ridesharing apps in the United States. I have also seen numerous complaints by other customers reported online when it comes to using AmEx gift cards at ridesharing apps as well as several other online merchants. It should not be this difficult or impossible to use these AmEx gift cards for popular online merchants and apps especially when all the required information ( card number, expiration, security code ) is entered correctly.
Consumer complaint received 2024-05-22
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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. (NV)

SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Pre- Arbitration Demand Notice XXXX Act. # XXXX Dear SANTANDER CONSUMER USA, I am writing to you as a consumer who has been wronged by the actions of SANTANDER CONSUMER USA and XXXX XXXX XXXX XXXX XXXX I firmly believe that SANTANDER CONSUMER USA and XXXX XXXX XXXX XXXX have committed a material breach of contract, violated the Fair Debt Collection Practices Act ( FDCPA ), and engaged in other wrongful conduct, resulting in significant harm and damages to me. 

This is a huge violation! How did you verify this Account? This is not even me. My Privacy of information has been breached! 

It is my allegation that SANTANDER CONSUMER USA and XXXX XXXX XXXX XXXX have breached their contractual obligations by engaging in unlawful debt collection practices, which have caused me to suffer both financial harm and emotional distress. Furthermore, they have neglected to investigate my dispute under the Fair Credit Reporting Act ( FCRA ). 
I am also aware that the underlying contract contains a binding arbitration agreement mandating that disputes be resolved through arbitration rather than litigation. I am fully committed to enforcing this agreement and pursuing arbitration in accordance with the terms of the contract and applicable law. 
Based on the aforementioned circumstances, I am demanding the sum of {$5000.00} in compensation for the harm and damages endured as a result of SANTANDER CONSUMER USA and XXXX XXXX XXXX XXXX wrongful conduct. 

I implore you to take swift action to address this matter, as I firmly believe that prompt resolution is in the best interest of all parties involved. I reserve all rights and remedies available under the law and the terms of the contract. I am filing a complaint against you with the CFPB and the XXXX XXXX XXXX. 

Thank you for your attention to this matter, and I anticipate your prompt response. Please be advised that if resolution is not reached within XXXX  days from the date of this letter, I will proceed with filing a case with XXXX arbitration. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery One, LLC (OH)

After reviewing my credit reports I am showing that I have a collections account owed to Recovery One LLC on the behalf of XXXX. I am not liable for this debt with charter communication. I do not have a contract with Recovery One LLC. They did not provide me with the original contract as I requested.
Consumer complaint received 2024-05-22
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. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-06
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: Bridgecrest Acceptance Corporation (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-06
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: CREDIT ACCEPTANCE CORPORATION (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (CA)

I received an email stating that I owe payments on a loan. I was shocked because I believe I paid off all the loans I received already. 

I called Ed Financial on XX/XX/XXXX to ask questions about how the money was dispersed. I waited on the line for hours until my phone battery died. I was told the wait time was XXXX minutes. I waited anyway because I had the day off and I can't take those kind of phone calls at work- I teach high school math and it would be very difficult to take a detailed call like that during class. 

Once I was disconnected, calling back would put me at the bottom of the wait list. The online chat option was not available. I sent an email ( XX/XX/XXXX ) asking for details. I don't believe I owe this money. I pulled up bank statements from the time and I can't find any record from my bank that I received the money. 

I have heard no reply. I have now been charged a late fee on money I don't owe, but I can't get a hold of anyone to talk about this. I sent another email on XX/XX/2023 asking if I can set up a phone appointment to talk to someone. 

In the meantime I have paid the amount due and the late fee to stop charges from accruing, but I believe I'm paying money I don't owe and Ed Fiancial will not answer calls or return my emails. 

My account now shows record of me taking out a loan XX/XX/2023 - right now it says a loan for {$0.00}. But it's really suspicious that a loan is showing up at all this year. I don't need a loan now, and I'm not taking one out. This is just more proof that the records are off.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

I was unemployed starting XX/XX/ and immediately submitted an unemployment deferment request. I didn't hear from the Loan Servicer whatsoever about the status of my deferment request. I submitted another unemployment deferment request on XX/XX/ and to this day, I still haven't hear anything from this Loan Servicer. I called them XX/XX/, and they have no record of my first submission and was told to wait for my second deferment to process. They are refusing to review and approve my unemployment deferment request while months of payments are mounting and late. They are illegally holding my account XXXX to hurt my credit and accrue interest on late payments.
Consumer complaint received 2024-05-22
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. (MI)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services (MD)

I have submitted XXXX forms in their portal and called the company XXXX times telling them that my daughter is a full-time student and that my payments for the ParentPlus shall be deferred while she is in school. They confirmed that she is in school but my payments have not been paused. I had to make a payment so it would not be in default. They say that chat is available but it is never available. Wait times for calls exceed XXXX hours. I spoke with XXXX customer service reps to no avail.
Consumer complaint received 2023-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

On XX/XX/2023 I payed an amount of {$110.00}. The payement was being processed the last time I checked and now that I checked XXXX minutes ago, the amount disappeared. I have an email confirmation that I payed and the money was also taken from my bank account as proof it was payed. Others are experiencing the same issues as well. I dont want to have interest add up. I want to have my loans payed off within the next XXXX  months. I want new loan service owner or my loan forgiven if possible. I dont want to have more issues because this will affect me finances if it continues