davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (NJ)

Credence Resource Management , LLC, ( Credence ) is the agency representing XXXX in its attempt to collect {$1300.00}, from me. Prior to the Credence collection letter sent in XX/XX/XXXX, the only communication I received from XXXX was solicitation to join its network. After researching my records, I confirmed to Credence that XXXX had been paid and the service terminated in XX/XX/XXXX. XXXX followed up with duplicate, non-itemized bills ( some of which were missing pages ) which only proved their error in black and white. I contacted XXXX, pointed out the discrepancies and thought the matter was closed as of XX/XX/XXXX. On or about XX/XX/XXXX, Credence made a collection entry to XXXX, which is now being reported on all three credit reports. In my third and last communication with Credence, I was told the entry was being removed as we spoke ( Monday, XX/XX/XXXX ) and would no longer appear on my credit reports before the end of the week. ( XXXX provided bills indicating a charge for equipment followed by a narrative of congratulations on paying off the equipment reflecting a XXXX balance of same ; Credence agreed to remove as consolidation loan for me was pending and I told them I was going to report them on XX/XX/XXXX, as they continually fail to keep promises. ) For the sake of brevity, I will exclude the detailed conversations of follow-up I had with Credence prior to Monday. The attached documents are self-explanatory. Please contact me if you require further information. Thank you.
Consumer complaint received 2023-09-15
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. (TX)

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the EXPERIAN. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. 

Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2023-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC (IA)

I was looking at credit report. Tempoe llc was on there assuming for something I bought at XXXX XXXX XXXX ago. I am not sure what the original price was. But every time they have called me over the years, I tell them that I paid what I purchased for and then some. 
Then I notice the debt was sold to XXXX XXXX XXXX, I paid over the amount that I was sold the item for.. 
Then as I am researching I notice Tempoe llc was sued and found guilty of falsely identifying what the actual sales were.

I would like this off my credit report if possible. I do not know what the debt was sold, but I do know I over paid for the item.

Thank you
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Eastern Account Systems of Connecticut, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

On XXXX, I received a message alert from Experian that my score dropped by XXXX points, down to XXXX from XXXX, with no reason provided as to why. This is unacceptable as I've nothing wrong to deserve or warrant this and I want my score restored immediately.
Consumer complaint received 2023-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (FL)

To whom it concern I am filing a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in to Reference # XXXX XX/XX/XXXX This company called me to collect a debt that was already resolved by XXXX XXXX which is XXXX XXXX. I as this company do not call or send me a letter because it has been resolved by the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was wrongfully sold this product and billed for it. I returned the phone and the bill was erased by XXXX XXXX XXXX XXXX XXXX not sure how this company got this but this was taken off my credit once the issue was resolved with XXXX XXXX XXXX If needed I have the emails from XXXX XXXX this has been resolved. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

There has been ZERO XXXX XXXX updates to any of the 3 major credit bureaus in almost 4 months, the missed payment in XXXX is also incorrect. My XXXX XXXX no longer shows on my XXXX reports. Equifax shows no payments since XX/XX/XXXX, all my recent payments are not properly being reported. I have called multiple times, I always get told their " activity '' looking into it and to expect an email but it's been almost 4 months with nothing! They are not holding up their end of the cardholder agreement, yet they're still charging me interest!
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2023, I received a credit card application denial notification from Chase. I contacted Chase to inquire about the attempt, and they informed me that they flagged the attempt for fraud and did not open the account. 

I requested that Chase assist in reporting the new account inquiry as fraudulent to the credit bureaus. They initially told me they have a process to send letter to each of the bureaus, and issued me a case reference ID of XXXX. 

I checked my credit bureau reports after the 60 day window they suggested ( XXXX, XXXX and XXXX ) and noticed the hard inquiry was still present at XXXX and XXXX. I don't believe it was removed from XXXX, but rather never reported there. Upon follow-up with Chase, they told me that the previous information was inaccurate and that I would have to follow-up with each of the bureaus. 

I have been able to file a dispute with XXXX over the phone. XXXX has two processes to file a dispute for a hard inquiry, which I confirmed with them via phone. The first is to have the creditor send them a letter, which Chase has refused to do. For the second, I was directed to FTC.gov. After following the prompts to a credit report dispute, I was redirected to the CFPB and this complaint process.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VEROS CREDIT, LLC. (CA)

After checking my credit report after a few years, I noticed a lot of inaccuracies reporting on my name. One of which, is reporting from, Veros Credit, which financed a vehicle under my name but without me being present. After seeing this fraudulent account on my credit report, I reached out to the credit reporting agencies who then told me to reach out to the creditor, Veros Credit. I spoke with many of their employees and even emailed their compliance officer in order to get a response because I was not getting any help or information regarding this issue. 

The account I am mentioning and it's details are listed below : VEROS CREDIT LLC XXXX Balance {$10000.00} I requested a consumer contract from Veros Credit and they did provide me with one. Although, the contract was not signed by me. Someone fraudulently signed my name without my knowledge and received this auto loan. I have not used my credit for many years now because of discrepancies on my report and due to debt. Finding out that this account was opened without me knowing and someone used my name and information to sign the contract is unacceptable.

Even after speaking to the representative of Veros who was in charge of helping me resolve this issue, unreasonably concluded not to make the correction on my report. I was told that because the address on my current ID is the same address as the one in the contract, they will not delete the account. 

IF SOMEONE USED MY PERSONAL INFORMATION THEN OBVIOUSLY MY ADDRESS WILL BE USED ALONG WITH MY NAME, SOCIAL SECURITY NUMBER, ETC. 

That is exactly what Identity Theft is! I ran out of patience dealing with this creditor and am hoping that the CFPB can help me getting Veros Credit to make the correction on my credit report.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I have a Venmo account with money within it that can not be withdrawn. 
They've informed me that in order to withdraw the money I need to verify my identity with a photo-idwhich I have done so over a dozen times now. They immediately send me an email upon receiving my identification photos that they aren't able to read it even though they are incredibly clear and easy to read. I've retaken the photo many times and used different documentation like a passport and a drivers license in clear lighting. 

I've emailed them and they simply said to resubmit the identification and then nothing changed.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

I noticed that these items were on my credit report and I did not authorize any of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX was not authorized. Current balance {$830.00} Portfolio Recovery A XXXX XXXX XXXX  Opened XX/XX/XXXX was not authorized. Current balance {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX was not authorized XXXX XXXX XXXX Opened XXXX XXXX Inquiry says closed XX/XX/XXXX XXXX Opened XX/XX/XXXX WAS NOT authorized current Balance {$360.00}.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

My payment has been on automatic pay for the past five years for XXXX dollars paid on time every Month. 
When I did a balance transfer and the payment amount changed they never reached out to me and his me with a 30day late on my credit report when I paid on time every month through autopay but the amount was wrong. They did not reach out. 
My payment was never late. It was just the wrong amount.
Consumer complaint received 2023-09-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: EQUIFAX, INC. (WI)

On XX/XX/XXXX I checked my credit report on XXXX and it reported that I have an open, current loan from XXXX XXXX XXXX in the amount of {$1300.00} with $ XXXX  monthly payments. I have no idea about a loan and I never did an application for a loan or received any money. On XX/XX/XXXX I called XXXX XXXX XXXX and was transferred to XXXX to do a fraud dispute. XXXX informed me that XXXX XXXX XXXX purchased my information from Equifax and sent me a check in the mail. I informed her that I never authorized any form of a loan nor did I receive a check. I asked her if this was illegal and she said it is not. XXXX said the next steps was for her to send me an affidavit and have me sign it and get it notarized at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and then they would investigate the situation. XXXX told me she would call me back in 2 days from XX/XX/XXXX when the affidavit was ready for me to come and sign at their XXXX office location.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Found a unathorized XXXX XXXX charge of {$370.00}. The next day I called XXXX XXXX  and they said they would not respond. Called chase to report the fraud and called XXXX XXXX. Chase has given me no proof to their findings nor has XXXX XXXX. Please I need some help.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS has yet to answer my questions for over a year would not let me speak with the escrow dept or the legal dept regarding my complaint. The customer service and ombudsman have no authority to update or change anything. These people have NO CLUE!! SPS can not correct XXXX until XXXX is corrected. 

1. We have raised the same questions due to the lack of clarity from SPS as to the reason for the months long delay in updating/crediting the insurance and tax information to reflect the corrected amounts in addition to the {$1400.00} escrow only payment. 2. SPS has yet to explain why my payment of {$890.00} changed between XXXX XXXX XX/XX/XXXX prior to the new policy effective XX/XX/XXXX. When the payments were made in advance. Then added additional funds for the same months?? 3. All insurance and tax information should have been updated immediately as the policy change took effect XXXX days after the effective date in XXXX, as well as the check applied in XXXX. All insurance and tax information and payments were sent within 24 hours of changes and it took Months to correctly apply resulting in what SPS is calling an ESCROW shortage in XX/XX/XXXX and applying monies wherever they want. My first payment was not due until XX/XX/XXXX more than enough time to correct the insurance tax and escrow for XXXX XXXX XXXX 
4. The information and numbers all come from the initial SPS XX/XX/XXXX Escrow on table 3. Never updating the insurance and taxes or crediting the account SPS continued to run incorrect information on my Escrow analysis resulting in an increased and incorrect monthly payment from day 1. As reflected in their response and multiple escrow analysis. BASED ON SPS INCORRCT ESCROW NUMBERS THE DEFICIT OF {$2500.00} SHOUD BE A CREDIT OF {$230.00} ONCE INSURANCE AND TAXES WERE UPDATED AND PAYMENT OF {$1400.00} APPLIED TO ESCROW IN XXXX, A NEW ESROW ANNALYSIS SHOULD HAVE BEEN RUN TO REFLECT THE UPDATED INFORMATION AND NEW PAYMENT!! IT DID NOT HAPPEN! I WANT A NOTICE of ESCROW ERROR FILED FOR XXXX. 5. What is a bankruptcy payment and what was the amount? Why was it added to my XXXX and February XXXX monthly payment? SPS states XX/XX/XXXX they transferred {$1700.00} to satisfy both XXXX and XX/XX/XXXX. 
6..ROLLING ALL OF THE INCORECT INFORAMTION FROM XXXX THE SAME THING HAPPENED IN XX/XX/XXXX WHEN I SAVED ANOTHER {$2700.00} ON HAZARD INSURANCE. 
XXXX. XXXX XXXX I MADE A XXXX XXXX OF {$960.00}, XXXX XXXX ANOTHER PAYMENT FOR {$2600.00}. WHERE DID MY MONEY GO????
Consumer complaint received 2024-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MD)

XXXX XXXX- Tried to withdrawal funds from Goldman Sachs Marcus XXXX ..... It repeatedly failed .... 
Step 1. customer service says there's a restriction on my account, preventing me from making transfers...

Step 2. Transfer funds TO the account.

Step 3. Ask why I'm able to make deposits?

Step 4. They say Fraud has detected suspicious activity on your account and placed a hold.

Step 5. Ask why I haven't been informed of this, and Why i that is the case Im able to make deposits under the pretense I can get it back...

Step 6. Call the phone number they supplied.

Step 7. Verify my Birthday, Social, Secret word, and full name with customer service, get directed to Fraud team .....

Step 8. Fraud team says my State ID doesnt qualify for authentication, and neither does the phone number that I use to verify when I login ..... I asked why it doesn't qualify... I was repeatedly told they can not tell me, and will not discuss details of my account or their processes .... I will have to " submit a case '' and will be contacted in 3-7 business days.

Step 9. Ask which department will be contacting me and asked to speak with them. I was told No.

Step 10. Ask if there is a supervisor I can speak to. I'm directed to another agent... 
Step 11. When I am told there is nothing they can do, and my single only option is to speak with the other team who will contact me in 3-7 business days, I ask to speak to a supervisor or HR, or Customer feedback center. I am given XXXX information and told that no such department exists, and I am unable to contact them myself ..... 

I am completely unable to access the funds in my account, Marcus is entirely unable to provide a reason why, and is purposefully giving me the runaround and not informing me why they are unable to authenticate me despite me being able to log in and receive one time pins for every other account action.
Consumer complaint received 2023-09-15
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. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (TX)

XX/XX/2023 I am writing to request a reinvestigation for inaccurate reporting by Exeter Finance. I traded in the car on XX/XX/2023. When I tried to refinance Exeter Finance informed XXXX XXXX XXXX that I had too much negative equity. This was a sign that Exeter didnt even want the car. So, I found a lot that had bad weather and could get me a deeper discount and I traded the car in. Once Exeter learned of this trade on XX/XX/2023, I was reported late. These people are low down and dirty. Always trying to keep people under their control. I managed to escape, and they are just upset and trying to damage my credit reputation which according to the XXXX  they have done several over XXXX people. 
Please ask that complete payment details to be sent. This information is not accurate.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (SC)

I have a credit card with Fortiva. I obtained it in XX/XX/2022. I am in the process of rebuilding my credit and was aware of the {$170.00} first year annual fee which would be reduced to {$49.00} for the second year and years thereafter. Looking at my statement today, I discovered Im being charged a monthly {$12.00} account maintenance fee. When I asked why, I was told that when the 2nd year begins, the annual fee drops to {$49.00}, and the monthly account maintenance fee of {$12.00} is charged to provide basic services, such as online chat and other things, to which I pointed out that I have other credit cards that provide such services without charging any fee. Then I did the math- {$49.00} + {$150.00} ( XXXX. for XXXX months ) equals {$190.00}. Thats an extra XXXX XXXX over the first year {$170.00} annual fee! I think this is a major deception by Fortiva to gouge their customers, many who, like me, arent even aware theyre doing it. Fortiva makes it sound so appealing- {$170.00} for the first year, {$49.00} after - and no mention is made of the {$12.00} account maintenance fee that gets charged after year one that puts almost {$25.00} extra per month per customer in Fortivas pockets.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

LexisNexis continues to report an alleged bankruptcy with no validation of the alleged bankruptcy. I called the XXXX XXXXXXXX XXXX XXXX XXXXXXXX and spoke to the clerk of court who stated the court does not release court filing to any third party unless they are a party to the case or legal counsel. 

LexisNexis is not a party to this filing nor a legal firm or entity therefore there is no way LexisNexis can validate this alleged bankruptcy under FCRA.

I have repeatedly asked for verification records on who exactly provided this alleged bankruptcy to LexisNexis so I may follow up with that person. LexisNexis has provided no evidence of said bankruptcy records and continue to furnish this inaccurate information to the reporting agency.
Consumer complaint received 2024-06-07
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.