davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PR)

On XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210000.00} ), XXXX XXXX & XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} )XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$880.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} ), XXXX ( Account # : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$20000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased a vehicle from XXXX XXXX XXXX located in XXXX, SC in XXXX ( account number XXXX ). I paid {$10000.00} down with a remaining balance of {$8600.00} to be financed. I currently have a balance of {$4300.00} of which I pay {$210.00} per month. I've asked the company to please check my payments because I have paid for the car almost 6 years. I've received a printout that shows over 90 % of the payment is against the interest and nothing against the principal month after month. I also show missed payments that weren't applied to my loan. I'm writing requesting all the help I can possibly get to assist me with clearing this loan. This company has me paying 7 or 8 years for an XXXX balance. This is not the way it was explained to me at the time of purchase. PLEASE HELP!
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

On XX/XX/XXXX I sent a certified letter to National Credit Systems requesting validation of the alleged debt. On XX/XX/XXXX They responded with a letter stating XXXX on XXXX is offering a 50 % discount off of the alleged debt. I declined the offer. On XX/XX/XXXX I FILED CFPB COMPLAINT AGAINST XXXX ON XXXX XXXX AND NATIONAL CREDIT SYSTEMS AND CITED 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ). On XX/XX/XXXX NATIONAL CREDIT SYSTEMS EMAILED ME IN RESPONSE TO THE INFORMATION I REQUESTED. EMAIL CONTAINED A DOCUMENT NOTING THEY ARE AWARE OF THE DISPUTE & ANOTHER STATEMENT FROM XXXX ON XXXX XXXX. I am submitting a complaint again because the " proof '' submitted was a contract with a digital signature and I am questioning the validity of the signature. I requested the original contract with a wet ink signature as proof and that was not provided. 

The original CFPB complaint filed on XX/XX/XXXX was resolved. NCS responded on XX/XX/XXXX stating : " NCS has closed the account. We are no longer pursuing recovery of this account, and will request that any credit bureau listing made by this agency in connection with this account be removed accordingly. As a courtesy, we've marked this account for XXXX removal, we report every Monday and to our understanding... it takes about 30-45 days for a reflection on your credit report. '' However, after pulling my reports from credit reporting agencies on XX/XX/XXXX, I see the collection is still there. NCS failed to properly close the account and remove my information from the system, violating FDCPA and FCRA law.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to formally dispute inaccurate information that appears on my credit report as maintained by Experian. This letter serves as my official notice of dispute under the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 
Report Number:XXXX  Experian & XXXX XXXX XXXX reports this accounts is POTENTIALLY NEGATIVE when in fact this account has been settled since 2023. XXXXXXXX XXXX XXXXXXXX in return was supposed to delete this off my credit report but instead left it on my credit report! Now I've disputed with Experian stating this account is inaccurate. But their was response were it's Accurate and Verified! Okay so here 's the problem either Experian is lying or XXXX XXXX XXXX. by law under the FCRA act and FDCPA I have the right to sue both business for reporting Fraudulent information. This is damage to my credit worthiness moving forward for future loans or home purchase. This needs to be removed from my credit report immediately.

Legal Basis for Dispute : 15 U.S. Code 1681 : The FCRA mandates accurate and fair credit reporting.

15 U.S. Code 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.
15 U.S. Code 1681s-2 : Addresses the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681i ( a ) ( 5 ) : Details the procedure for the deletion of inaccurate, incomplete, or unverifiable information. 
Specific Dispute Details : I am disputing the following inaccurate information on my credit report : Account/Item Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Specific Inaccuracies : Paid, Closed. 
This information is incorrect and must be investigated and removed. 

Affidavit of Truth : This affidavit is made pursuant to the Fair Credit Reporting Act as codified at 15 U.S. Code 1681. I do not consent to any automated scan response or e-OSCAR verification methods.

Certification : I certify under penalty of perjury under the laws of the United States of America pursuant to 28 U.S.C. 1746 ( 1 ) that the foregoing is true and correct. 

Supporting Documentation :
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (CA)

I have been trying to work with PHH mortage and I am not getting anywhere. They first gave me a repayment plan which I they set up and was suppose to send me paper work to sign with amounts and dates due. I never received it and lost my payment plan and when I asked about it they said they don't need the paper signed, when they originally said they did. I then have applied XXXX or 4 times for modification, which everytime they deny me saying my home appraises to much. Which it may appraise as high as they say if it was fixed up and in a different town. I sent an appeal and they ignored me with an appraisal attached. Now I'm expected to pay almost XXXX to bring my mortage current which I can't. If they wouldn't have strung this along so long I could have brought it current earlier. Now the only option they will give me is short sale or deed in lieu. Which I don't want I want to save my home. They won't even offer me a forbearance or modification. The payment plan they did offer me was ridiculous, which I would have made work if i would have gotten the paperwork so I knew when the payment were suppose to be made. I now after the down payment of XXXX it was monthly installments of around XXXX. Which was way more than what was behind. They are a horrible company and don't speak XXXX and get rude very fast. They can't answer questions just read off a computer. Asked for a supervisor and it was the same thing.
Consumer complaint received 2024-06-24
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc. (TX)

I recently disputed my Aidvantage Dept/ED Account # XXXX with a major consumer reporting agency. They replied that the account was verified but did not provide any proof that they contacted the creditor. How can I trust their verification?
Consumer complaint received 2024-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gravamen Asset Management Group LLC (TX)

In XXXX, someone I was the subject of identity theft at the consumer, XXXX. Someone used my name to purchase items in my name. The debt was forwarded to a debt collection agency, XXXX XXXX XXXX I disputed and it was removed from my credit report. XX/XX/XXXX, another Debt Collection Company, KESLER and WILLIAMS obviously bought and attached the same XXXX debt to my credit report. I submitted a dispute with XXXX to remove again but was informed that the debt was valid. I contacted Kessler and Williams and asked for a copy of the invoice. Upon receiving there were two glaring issues : 1. My name is spelled incorrectly. My name is XXXX, not XXXX  I would not submit for an account with the incorrect name. 
XXXX. There was a XXXX account that K & W says a couple of payments were taken out of. I did not have an account with XXXXXXXX XXXX so obviously there was fraud on that end as well back in XXXX. I use XXXX and XXXX XXXX XXXX XXXX as I am a XXXXXXXX  veteran. 

I submitted this information to Kessler and Williams and submitted another dispute with XXXX. 

I have attached three XXXX documents where this account was removed previously from my credit report. I also attached the Invoice fr4om XXXX showing my incorrect name and a bank account that is not mine. Obviously fraud on two levels.
Consumer complaint received 2023-09-01
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. (PR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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
Consumer complaint received 2024-05-14
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX
Consumer complaint received 2022-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XX/XX/XXXX I contacted Transunion about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210000.00} ), XXXX XXXX XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$880.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} ), XXXX  ( Account # : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$28000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$20000.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> my husband and I went into JPMORGAN Chase Bank, NA on XXXX XXXX XXXX XXXX XXXXXXXX to deposit our federal income tax check of {$10000.00} that was made out to the both of us since we had filled our income tax together into my checking account, i asked the bank teller if it would be an issued to deposit the check into the account that is under my name only since the check is written out to the both of us, we were told that it would not be an issued, so the bank teller had us both my husband and I to endorse the check by having us sign the back of the check. The bank teller did advised us that there would be a hold on the check for 10 days since the amount was pass {$10000.00} and that I wouldn't have any access to any of the funds untill XX/XX/year>. On XX/XX/year> me and my husband went back to Chases Bank to withdraw {$4000.00} in order to pay our rent and it bills and got denied even thou in my transaction repite shows my available balance of {$10000.00}. the manager then attempted to help by calling XXXX to see what the problem was in witch concluded that since my husband is a 3rd Party they need to have him verbally endorse the check over the phone with him giving them a verifiable number that matches a number that there system has given them in order for them to call that number and get his permission. Since then we gone and got my husband a XXXX different cell phone plans with 3 different phone carriers and none have been able to be verified by chase bank. They told me that I had to contact the US Department of Treasury and ask them to call Chase and ask for the money to be sent back. When I was finally able to get through to talk to someone at the department of Treasury they had told me that the check was cleared 9 week ago on XX/XX/year> and that they would not be able to resend me and my husband another check sinc the check was cleared. I've called plenty of times to check if Chase system have been updated and check if any of the 3 numbers we acquired could be verified and till this day XX/XX/year> the numbers do not come up as a verifiable number.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma (AL)

This CFPB Complaint is in Reference to XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX Disputed balance - {$1500.00} reported balance First I wanted to Say My name Is XXXX XXXX, & I am a XXXXXXXX XXXX with XXXXXXXX XXXX On the Date of This account was closed on XX/XX/year>. I wanted to expressly concern that this account is charged off which means anything considered charged off is considered " Income ''. If every Debt is considered income because it's considered a " Securitie '' Per the securities and Exchange commission. Per the " IRS Publication '' it states that all " ALL '' charge-offs are considered income, So how can Income be reported to my Credit Report.

Further more I wanted to express that 15 usc 1666 ( B ) - Timing of payment subsection ( A ) A creditor may not treat a payment on a credit ( CHARGE ) card account under an open end consumer credit plan as " late '' for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the informationis mailed or delivered to the consumer not later than 21 days before the payment due date.. ( XXXXXXXX XXXX ) are listing my payments as late under a open ended consumer credit plan ) - which is also against the law. Which means I have A charge card and you CAN NOT LIST LATE PAYMENTS UNDER AN OPENED ENDED CONSUMER CHARGE CARD CREDIT PLAN, XXXX Bank are also In violation. 
Moving On to the Next Facts states : 15 U.S. Code 1666 ( D ) - " Treatment of credit balances '' - Whenever a credit balance in excess of {$1.00} is created in connection with a " consumer '' credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall A- credit the amount of the credit balance to the consumers account ; B- refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C- make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 


I Consider All of the Raised Concerns about the Amount in Question In this Matter and Looking Forward to resolving this Issue in a timely and Precise Manner. Please Consider This complaint as a Formal dispute under the Provisions of the FCRA.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I wrote a check in the amount of {$2800.00} to another Chase Bank customer who attempted to deposit the check on XX/XX/XXXX. The money left my account but was withheld by Chase from the other customer 's account for check verification and his account was subsequently closed. Chases XXXX verification system lists an incorrect phone number for me - I have had my phone number for nearly ten years and use it for two-step authentication into all of Chases online banking platforms. 

Subsequently, myself and the other customer both physically went together to a local Chase Bank branch in XXXX XXXX, XXXX, NY with our government-issued IDs, the original check, and Chase Bank cards linked to our respective accounts.

No resolution was achieved in-person. When we followed up with the phone numbers that the branch provided as next steps, we were each separately told conflicting information to solve the problem.

With no resolution from customer claims or the local branch, the Branch Manager escalated the issue to the Chase Executive Office last week ( XX/XX/XXXX ), at which point the other customer and I were each given separate case numbers. Our assigned case managers placed blame on the other customer and said there was nothing they could do to resolve the issue. It has now been a month and a half and there is no end in sight. 

Neither myself nor the other customer have access to this {$2800.00} as it is being held in a dispute status by Chase indefinitely. From my perspective, Chase has taken {$2800.00} from me and is holding the money with no intention of sending it either ( a ) back to me, or ( b ) to the intended recipient of the check. 

Any assistance to bring this matter to one of those two resolutions is greatly appreciated.
Consumer complaint received 2022-04-09
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. (PR)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1800.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bright Capital Inc (VA)

In accordance with the Fair Credit Reporting act, this creditor had violated my rights under 15 U.S.Code 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 B a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (CA)

I have been a customer of Smile Generation, utilizing their XXXX2-month no-interest promotion, which ended in XX/XX/year>. I have always paid my monthly bills through their autopay system and have never missed a payment. 

Despite this, I was charged {$230.00} in interest in XX/XX/year> because the promotion ended. I did not receive any specific notification or reminder about the end of this promotion. The monthly emails I received only indicated that my monthly statement is due without any detailed information about the promotions end. Furthermore, the online statements, which contained the notice, were not regularly checked due to my reliance on autopay. 

The website is extremely difficult to navigate, requiring multiple steps to log in and access important account information. It involves navigating through different domains such as d.comenity.net, which complicates the process. As a result, I was unaware of the promotions expiration and the resulting interest charges until XX/XX/year>. Since then, I have been incurring approximately {$15.00} in interest every month without any notification, bringing my current balance to {$420.00}. 

I have attempted to resolve this issue directly with Smile Generation, explaining the lack of clear communication and the challenges with their website, but have not received a satisfactory resolution.
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (CA)

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidence 1. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b