davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I have a current principal balance of {$18000.00} on my student loans. 

I have submitted my XXXX ( Loan Repayment Form ) to XXXX XXXX XXXX on four different occasions : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All occasions are documented and accounted for. 

At this time, XXXX XXXX with the Lead, Medical Incentives Branch ( DPAMM ) has not received the XXXX Form, which is necessary to pay my loan installment. My loans have been accruing interest in the meantime. 
Last spoke with XXXX XXXX Employee with reference number XXXX. She stated the from was expedited.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (NJ)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-14
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: EQUIFAX, INC. (MS)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2023-12-14
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: EQUIFAX, INC. (GA)

This is an urgent notification letter that your company needs to pay more attention to, and provide fast resolution. Recently, I scanned through my updated credit report and I found some inaccurate and incorrect accounts on my credit report. As Ive said to you from my previous letter, I find these negative accounts so misleading because I have no memory of such charges and transactions. Kindly take this off now from my files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (GA)

To : CONSUMER PORTFOLIO SERVICES XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Consumer Portfolio Services put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX  XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MI)

Over the past couple months, I booked many things for a trip with my United Explorer Credit Card specifically because of the travel cancellation insurance policy posted in the benefits section in my app which states that it covers non-refundable expenses for passenger fares, tours, and hotels. The bookings for my trip included 4 hotel stays, several trains and a tour. I did not purchase separate travel insurance or refundable stays because of the coverage I thought I had based on the posted information. 

On XX/XX/ the day of our departure, we had to cancel the trip due to a covered XXXX XXXX. When trying to begin the process to submit the insurance claim, I was informed by an agent working with the benefits partner that this only covers passengers fares and was send the real policy, which despite the information linked to my cards benefits breakdown through the Chase App, does not include hotels or tours. The information in their app is incredibly misleading and had the accurate policy been posted, I would have made different decisions when booking this trip. Due to the discrepancy in their coverage policies, I am out approximately {$2100.00} in non-refundable hotels and other items that are not covered. 

When trying to resolve this with the company, the travel claims company partnered with Chase, refers me to Chase. And when I call Chase for resolution, they refer me back to the claims provider.
Consumer complaint received 2024-06-17
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am writing to bring to your attention a distressing incident that transpired during my recent visit to one of Bank of America branches on XX/XX/XXXX @ XXXX EST. I attempted to withdraw funds in the amount of {$1000.00} from my XXXX XXXX XXXX XXXX # XXXX from the ATM located at XXXX XXXX XXXX, XXXX XXXX XXXX. Unfortunately, despite completing the transaction, the machine did not dispense the requested amount of cash. So, I immediately went into the branch and advised the tellers, including the BANK OF AMERICA greeter, which informed me that the transaction is JUST PENDING and should fall off before posting, and/or settling. So, I called XXXX XXXX while I was at the branch and the representative advised me that the transaction was approved for BANK OF AMERICA. 
To compound the issue, my XXXX XXXX XXXX account was still debited for the amount of {$1000.00} plus the {$3.00} ATM FEE ; I attempted to withdraw. This situation has caused considerable inconvenience and financial strain and Bank of America is NOT WANTING TO REFUND ME MY MONEY. XXXX XXXX provided proof it posted and was approved and told me to take to that branch to get refunded, but there was no luck. I trusted in Bank of America 's commitment to providing reliable and secure services, and this incident has eroded that trust. Bank of AmericaXXXX XXXX me as if I was not holding any Integrity, when they knew their ATM was having issues. Granting, other consumers that used the ATM right after me, had issues as well. I left a review on their webpage, which has since been removed. Again, I have already contacted Bank of AmericaXXXX and XXXX a complaint, but as of today, XX/XX/XXXX, there has been no resolution or reimbursement of the deducted funds. XXXX XXXX XXXX website shows where other consumers are complaining about having the same issues with Bank of American XXXX. This should not be pushed under the rug during economic hard times. Thanks
Consumer complaint received 2023-06-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Some of the accounts that are on my credit report is still reporting as late payments and the accounts have all been paid off and they are over XXXX XXXX XXXX. Then they trade collection accounts to other companies which makes it look like they are new collections when they add it to my account. This is unacceptable because these accounts are from XXXX and older and have been paid off. They should not still be populating on my credit report. There is a XXXX  account for {$670.00} that does not belong to me. It belongs to XXXX XXXX and they keep saying its mine. It is notthey account was transferred to his name. I would like these corrected because it is definitely making my credit bad when I actually have no debt but my car payment and student loan. Thank you.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I needed a loan and just applied for XXXX, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was.I noticed a lot of items in my report were not correct, but somehow ended up on my report - thisdoesnt make sense to me as they arent accurate.
Consumer complaint received 2023-06-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Some of the accounts that are on my credit report is still reporting as late payments and the accounts have all been paid off and they are over XXXX XXXX XXXX. Then they trade collection accounts to other companies which makes it look like they are new collections when they add it to my account. This is unacceptable because these accounts are from XXXX and older and have been paid off. They should not still be populating on my credit report. There is a XXXX  account for {$670.00} that does not belong to me. It belongs to XXXX XXXX and they keep saying its mine. It is notthey account was transferred to his name. I would like these corrected because it is definitely making my credit bad when I actually have no debt but my car payment and student loan. Thank you.
Consumer complaint received 2024-06-06
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. (MS)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-14
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. (TX)

I search the Equifax data breach website and my worst fears was confirmed it identified that my information had in fact feel into the wrong hands. I will upload proof below. 

This debt furnisher/collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts 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 made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2015-08-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

*Since XXXX, I am still " fighting '' with Nationstar regarding this mortgage ; they will not comply to the financial security standards as binding by Frank & Dodd Law . After fighting with them for two years when I overcame an illegal foreclosure in XXXX XXXX for filing a CFPB claim ; forging modifications documents ; I ward off another illegal modification and became current, and STILL NATIONSTAR IS CLAIMING MORTGAGE IN THE REAR! 

I had to pay {$6200.00} by XXXX/XXXX/XXXX to be reinstated ; it will not include the XXXX mortgage. An electronic transfer was submitted in the amount of {$6000.00} with a promise for the balance of the {$250.00} to be paid within 90-days. I have attached the payments for XXXX, XXXX, XXXX, XXXX, and XXXX. I have also attached Nationstar website claiming I owe them for XXXX. 

I have forwarded through their webpage multiple inquiries ... .with no response other than to call them. I want a written response no verbal. 

I have forwarded a separate electronic email transmission via worksite with receipt confirmation ... ..still no response other than to call them. I want a written response, no verbal. 

I have submitted a copy of the bank check for XXXX XXXX, and the XXXX other electronic payment processing documents for their validation, but they have not reconcile with the reinstatement documents with the amount {$5100.00}, which would leave my account current up to XXXX XXXX. 


These are harassment tactics that consumer should not have to endure because Nationstar bought her contract ... ..I DID NOT SEEK OUT NATIONSTAR. I DID NOT CHOOSE THEM AS MY LENDER. THEY WERE FORCED ON ME. Now, that the property is still underwater I can not refinance this property, but I will when the opportunity arise! Until that time, GOVERNMENT REGULATOR GET THIS DOGS OFF ME.
Consumer complaint received 2024-07-30
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. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a 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 2024-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.