davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (MS)

Prosper Credit card sent a new card to someone with an increased limit {$1400.00}. I reported that I did not request nor receive a card and I had reported more than once for them to close the card in XXXX and in XXXX. They refused to closed the card and I did not know this until, they billed me for an annual fee on a card that was supposed to be closed. Then they mail a card with an increase to someone in XX/XX/XXXX. 
My home owners insurance trippled in XX/XX/XXXX due to Prosper reporting to the credit bureau that I was late or had not paid the annual fee. This blindsided me as I had told them last year to close this card because I did not need it and was not using it. My home owners insurance increased from {$1200.00} per year to {$3000.00} per year due to them reporting false information to the credit bureau which caused my credit score to decrease drastically, especially XXXX went to XXXX. This really hurt my credit score and caused major financial hardship to me. 
XXXX. I want them to eliminate the fee which they charged to a closed account. 
XXXX. Correct this information with the credit reporting agencies.
Consumer complaint received 2024-05-27
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. (MO)

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 informationisinaccurate.
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (GA)

In XXXX XXXX XXXX, I and my wife elected to replace the windows in our home. At that time, we were not going through any financial hardship. But in XXXXXXXX XXXX XXXX, my wife 's grandmother passed away unexpectedly. This caused emotional stress for my wife and eventually led to her closing her business. Along with that, my XXXX XXXX XXXX XXXXXXXX XXXX ended in XXXX. This made our financial situation exponentially worse. 

When my wife terminated her business, we lost {$1500.00} to {$2000.00} a month. When my XXXX XXXX ended 3 months later, I XXXX XXXX XXXX XXXX XXXX. Unfortunately, XXXX XXXX XXXX  was significantly less than when I was XXXX My pay was reduced by nearly {$4000.00} a month. Ultimately, we are still recovering from the lost income. 

Ally Lending Bank reached out to me starting in XX/XX/XXXX. From the first phone call, I explained to them that we were going through a financial hardship and that we would need some assistance in making the payments. They said because the first payment is due, that they can't offer any financial assistance at this time. Later on, Ally Lending was acquired by Synchrony Bank and when they would contact me, I explained that me and my wife are going through a financial hardship and that we would need some assistance in making the payment. The representative said that they don't have any form of financial assistance and that if we could pay any amount that would be fine. 

These conversations went on for several months. And every time I would speak to Synchrony, I expressed to them that I was going through a financial hardship. Finally, after several months of verbally communicating with the creditor, in XXXX, I received a letter from a debt collector stating that they were reaching out to me attempting to collect a debt. How can I dispute this with the creditor?
Consumer complaint received 2024-09-12
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

I requested documentation from the collection agency regarding the alleged balance due. Hunter Warfield provided me with a condition and disclosure report received from XXXX XXXX XXXX. 

As per the report, the alleged charges include {$200.00} for damaged plank, {$80.00} for boxes, big bags of trash and debris, and {$75.00} for keys and XXXX XXXX XXXXXXXX XXXXXXXX XXXX  ' condition and disclosure report states that the balance due is {$100.00} after deducting the {$300.00} security deposit from the alleged charges. The total of these alleged charges ( {$200.00} + {$80.00} + {$75.00} ) amounts to {$350.00}, which is different from the alleged amount of {$400.00} that XXXX XXXX XXXX  attempted to collect. 

I believe the {$75.00} charge for the unreturned keys is unwarranted, as I have provided evidence to Hunter Warfield indicating that the keys were indeed returned at the time of move-out. Additionally, I would like to note that my lease with XXXX XXXXXXXX XXXX commenced on XX/XX/XXXX and concluded on XX/XX/XXXX. Moreover, all maintenance issues were reported to XXXX XXXX XXXX concerning the alleged damages.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received a snail mailed correspondence a few days before Capital One closed my small business checking account. This one page letter was sent only 2 weeks before my business account was set to be closed. However, I had both pending deposits, debits, incoming ACHs etc. I called Capital One over the weekend, frantically, trying to figure out what rules governing deposits had caused this issue. I could only get someone that handled personal accounts. They could not provide any useful information. Then I called XXXX banking on Monday, and after asking for a supervisor, I spoke to XXXX ( # XXXX ) on the XXXX XXXX Advocacy team. He explained the account was being closed because documents were missing. This account had been opened since XXXX of 2024. Then I recalled speaking with someone named XXXX XXXX back in XXXX of 2024, who had asked me for documents confirming our physical address. She provided a XXXX party website that did not appear to belong to Capital One, called XXXX. This website requested that I register, and I did. She asked that the documents be uploaded in 30 days. I uploaded the documents w/n that timeframe ( screenshot attached ). Once I completed this task as requested, I did not think I had to follow up to make sure incompetent people wouldn't close the account in the future. I was shocked to discover my account was going to be closed since I had followed Capital One 's instructions. This caused grave disruption to my XXXX  XXXX, which is 100 % of my income. I had pending debit charges and incoming ACH that hadn't fulled cleared. They were returned, which resulted in additional fees that I can not afford. Now I am unable to cover both business and personal expenses. I logged back onto XXXX and emailed all the people that appeared to have access to my uploaded document ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX ). No one responded to several emails asking them to resolve this error and not close the account. They proceeded anyhow. This has been extremely disruptive and has caused my business grave harm. No proper explanation was ever provided. This is bad banking and should be addressed immediately.
Consumer complaint received 2024-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SC)

In my previous complaint I explained that my XXXX XXXX XXXX consolidation loan was not forgiven. During discussion with the " servicer '', MOHELA, I asked about and was assured that my loans would not be transferred to their " new platform ''. In XXXX, my account was " frozen '' as they transferred it to their new platform. It has been given a new account number. 
MOHELA has also addressed correspondence to my wife. I am the sole signatory on the promissory note that consolidated our loans in XXXX. It has been illegal for loan collection agents to contact family friends or employers since the XXXX XXXX. 
I have asked MOHELA to conduct any further business with me through US Mail.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AZ)

In accordance to USC1692c states ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; Ive asked them to cease and desist but they keep contacting me. Theyve reported to my credit report when I told them I dont own the account.
Consumer complaint received 2024-06-04
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. (PA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the terms date, payment history, and date last reported is inaccurate. This ground for removal they also violated my rights under 15 U.S.C. 1681 section 602 A. Sates 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 an account without my written instructions also the credit bureaus took more than 30 Days to complete my investigation here is my certified tracking # XXXX XXXX XXXX XXXX XXXX XXXX, Tracking # XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
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: EQUIFAX, INC. (CA)

I am writing to inform you of a concerning error in my credit report regarding late payments on my account. After carefully reviewing the report, I found that late payments have been incorrectly recorded, which has negatively impacted my credit score. 
When I contacted the companies linked to this account, they acknowledged their mistake and agreed to correct it by updating my account to accurately reflect my payment history. They stated that a system glitch caused the incorrect reporting of late payments. 

It is puzzling that, while other credit bureaus have already corrected this errors, your bureau continues to report the late payments. This inconsistency raises questions about the verification processes your bureau uses to ensure the accuracy of reported information. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-29
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. (TX)

I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX their repeated and illegal actions concerning XXXX open collections accounts on my credit report, XXXX from XXXX and another from XXXX. Despite numerous attempts to resolve this issue, including providing an FTC identity theft report, these accounts remain in collections, and the company continues to report and update them incorrectly. 

Issues and Violations Misrepresentation and Deceptive Practices : XXXX XX/XX/XXXXt has frequently changed or updated the name associated with these accounts on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ), which prohibits furnishing information relating to a consumer if the furnisher knows or has reasonable cause to believe the information is inaccurate. 

Failure to Provide Verification and Rude Conduct : When contacting their customer service, including supervisors, I have faced rude, unprofessional behavior and blatant misrepresentation, including instances where employees have pretended to be supervisors. This violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 10 ), which prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt. 

Failure to Cease Reporting on Disputed Debt : Despite being notified of the dispute and the fraudulent nature of these accounts, XXXX XXXX has XXXX to cease collection activities and continues to report the debt, contravening the FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation of disputed information. 

Invasion of Privacy and Harassment : The company 's repeated requests for my personal information during calls, despite the known dispute and fraud status, have made me extremely uncomfortable. This could potentially violate FDCPA 15 U.S.C. 1692d, which prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NC)

I received a text message this morning which informed me that my online account I have with a bank has been frozen. The problem I have is I have never been or have been associated with Chase XXXX XXXX, but I have received information from this bank in the past due to my identity fraud report ; however, I have never received any information as of yet. 
The message I received this morning read : ChaseBank XXXX : -We have restricted your account until we hear back from you. visit : https : XXXX to resolve I do have an identity The message came from number : XXXX I do have an identity fraud report filed in XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

XXXX XXXX XXXX XXXX NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts are being incorrectly reported by delinquent date. The original delinquent date is more than 1 year prior, making this account ineligible to be reported. I demand it be removed from my account immediately.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (TX)

I am told by their customer service department that this was closed in 2023, that I had a previous account that they chose to close for suspicious activity or something I'm not sure I could not understand the young lady she was foreign I could not understand what she was saying. I have tried to open an account online with them I do not have any problems with any other banking facilities in the whole country so I do not understand where this came from. At this point I would not even want their services but I have a lot of friends that use their service and I'd like to use their service in order to be able to help my friends down then with money. Is there anything that I can do to help me?
Consumer complaint received 2024-06-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc. (IN)

Your company is in violation of 15 U.S.Code 1681a ( 2 ) ( B ) 1681a ( 2 ) ( B ) - Since this transaction was authorized by my social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.

Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit for XXXX XXXX and account # XXXX. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed IMMEDIATELY!
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (GA)

Late payments To whom it may concern, In accordance with the fair credit Reporting act UPGRADE, INC Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to.. 

Please update my_payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws. 

Thanks
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I 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, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX 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. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-27
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MIDFIRST BANK (PA)

On XX/XX/year>, I contacted Midland Mortgage via their telephone payment option and authorized a one-time ACH draft for the amount of {$2600.00} for my mortgage payment. Attached to this letter is the Phone Payment Confirmation Statement dated XX/XX/year>, which verifies the authorization with confirmation number XXXX. The same bank account information was provided again on XX/XX/year>, during a subsequent call to Midland Mortgage, as evidenced by the attached Phone Payment Confirmation Statement dated XX/XX/year>, with confirmation number XXXX. 

Upon reviewing my bank statements from XXXXXXXX XXXX, which I have also attached for the periods of XX/XX/year>, to XX/XX/year>, and XX/XX/year>, to XX/XX/year>, it is clear that no attempt was made by Midland Mortgage to withdraw the authorized amount on or after XX/XX/year>. The bank statement for the period ending XX/XX/year>, indicates that the withdrawal was only made on XX/XX/year>, several days after my second call to Midland Mortgage.

Additionally, the payments were made to end the repayment plan after discovering that Midland Mortgage had been holding a portion of my money in an account and not applying it to my balance. This misrepresentation of my account balance led me to believe I owed more than I actually did and affected how much I needed to pay to be current. Despite providing the correct bank account information during both calls, Midland Mortgage neglected to fulfill their obligation to process the payment as authorized on XX/XX/year>. 

This failure to process the authorized payment in a timely manner, combined with the misrepresentation of my account balance, has caused undue stress and has had potential negative impacts on my credit rating due to the appearance of a late payment.