davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigati
ons into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to XXXX XXXX compliance standards. 

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (KY)

On XX/XX/XXXX I purchased a Vanilla Visa card for {$400.00}. Before I purchased anything and with in 7hrs my {$400.00} had been stolen. This has happened to thousands of people. They say that they will send another card with in 45-90 days. But they never send a card and if they do the same thing happens. Vanilla Visa is a scam and they need to be looked into. I really need them to refund my {$400.00} and not have it take 45-90 days!
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IN)

I had a Federal Perkins Loan while attending XXXXXXXX XXXX XXXX 

I became XXXX with XXXX XXXX. I submitted a Total and Permanent Discharge to XXXX which was approved on XX/XX/2023. 

XXXX sent notification to XXXXXXXX XXXX XXXX, for they and XXXX XXXX XXXX were handling the XXXX XXXX XXXX. 

XXXX and XXXX received notice from XXXX on XX/XX/2023 notifying them that a TPD discharge of federal loans had been approved and to 1. Discharge the Debt on their end or 2. Return the loan to XXXX and they would discharge it themselves. 

Because of various complications, this item has been appearing/disappearing from my credit reports for 6 months, and every time it reports my credit score plummets. Sometimes it shows the account open, sometimes closed, other times with many, many negative/derogatory marks, sometimes in deferment ( which it isnt ), its discharged. 


As of today, XX/XX/XXXX, I was notified by the CRA that I had a series of seriously delinquent late payments on my report.

I have 5x120 day lates, multiple 30, 60, 90 day lates as well.

Ive tried taking care of this matter but it seems futile. 

My health is extremely poor, and I have XXXX XXXXXXXX including an aneurysm which will at some point end my life suddenly.

Im not asking for sympathy, but perhaps some empathy. My credit reports and scores are the first thing Ive been waking up to everyday, and its the worst feeling ever.
Consumer complaint received 2023-12-20
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. (PA)

XXXX XXXX XXXX : XXXX XXXX  XXXX  XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX  XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute 2 Account Number : Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Dispute 3 Account Number : Source of dispute information : XXXX  XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 

Dispute 4 Account Number : XXXX Source of dispute information : XXXX  XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 5 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 6 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 7 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Lease Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Dispute 8 Account Number or other information to identify account : Source of dispute information : Type of disputed information : Dates associated with item being disputed : Explanation of item being disputed : INQUIRIES : Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (MS)

I, XXXX XXXX, submitted a Mortgage Assistance Application on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the required documentation to PHH Mortgage Services. The documents consisted of a self-attested affidavit regarding my unemployment from XX/XX/XXXX until XX/XX/XXXX, which includes email correspondence with an HR department and a written explanation describing the details of my hardship, and a copy of my new signed offer letter for employment. Please see the attached. 

On XX/XX/XXXX, I called PHH Mortgage Services, XXXX XXXX Department, and was informed that the application submitted to the XXXX was not viewable. Therefore, I resubmitted it again via email on XX/XX/XXXX and XXXX mail to PHH Mortgage Services, XXXX XXXX Department, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

On XX/XX/XXXX, PHH Mortgage Services stated that my application was complete which is also attached via email. However, on XX/XX/XXXX, PHH Mortgage shared that my application was incomplete again. 

Therefore, I called their Customer Care Center at XXXX on XX/XX/XXXX and was informed to submit a pay stub by a specialist. I shared with the specialist that I submitted the requested documentation 3 times which included 2 via email at XXXX and XXXX, and XXXX Mail at PHH Mortgage Services, XXXX XXXX Department, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX which the attached pay stub dated for XX/XX/XXXX within 90 days. 

The total required documentation submitted was 5 of my most recent monthly bank statements showing income deposit amounts. A pay stub at an hourly rate of {$40.00} and {$48.00} per diem per workday, documentation about my hardship challenges, an affidavit. 

The hardship-causing mortgage challenges began on XX/XX/XXXX and are short-term. My appointment is typically scheduled within another 14 days with my assigned PHH relationship manager. 

The ongoing emails of incomplete applications after submitting the requirements with an email stating that my application was incomplete is concerning and warrants a complaint after speaking with a supervisor on XX/XX/XXXX. The supervisor at PHH Mortgage Services confirmed the receipt of all documentation including paystub dated on XX/XX/XXXX. It is disappointing that this servicer continues to state that my application is incomplete after confirming the receipt of emailed and mailed documentation.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There is an account on my credit report from " OFFICE OF THE ATTY GEN '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. Experian reports that I am 180 days late. XXXX reports that I am 120 days late while XXXX reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.
Consumer complaint received 2024-05-07
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. (FL)

It's possible that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPTED/XXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX Balance Owed : {$4200.00} ; DPT ED/XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXBalance Owed : {$19000.00}.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

There are several are several inquiries that are not mine. On my XXXX its XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Advance America, Cash Advance Centers, Inc. (IN)

I was not aware of these fraudulent charges on to my credit report of XXXX $ from advanced America and these fraudulent hard inquiries on my credit report i did not authorize these companies to run my credit, this is fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yes i made an report to the identitygov
Consumer complaint received 2023-11-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Michigan Mutual, Inc. (MI)

I am currently one month behind and have been sending in extra on each payment to get myself caught up. Their loss mitigation department would only offer a 40 year loan modification raising my interest rate from 2.5 % to almost 8 %. I don't see where one month behind in payments constitutes the mortgage company making hundreds of thousands on a XXXX payment.
Consumer complaint received 2021-03-06
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. (CA)

XXXX, XXXX and experian is not investigating my dispute I gave them a few instructions and outlines showing that I wasnt late. Instead they give me a result saying I didnt specify what I was saying on my dispute. I dont believe they did a proper investigation because saying not specified means I didnt explain what I mean. So they are wrong.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or 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 2024-05-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX, our balances and trades were not accurately being processed and displayed. I spoke to a bank representative through their chat option. I was told that they were having technical issues displaying information correctly. 

The site showed one of our trades was rejected, but the representative confirmed it was an error and that it had in actuality been processed and completed. They said the issue would be resolved by Saturday, XX/XX/XXXX. We emailed the chat transcript to our email address for reference. 

By Sunday XX/XX/XXXX, the transaction history and balances appeared to be correct and the issue resolved. 

On Monday, XX/XX/XXXX I placed an order to sell my XXXX ( XXXX ) options to close my position out and my trade was then updated to " rejected '' on the site. It displayed that I needed to contact customer service via phone call to complete the order. I got on the phone as well as the chat for assistance. I reached a chat representative first and explained that our order was rejected due to their site issues and the longer we waited the more monet we lost on the trade they failed and refused to place. The representative apologized and told me that they can only resolve trades via calls and there was nothing they could do. They also had now disabled the " email chat transcript '' option and I had to manually save the transcript as PDF. I spent about XXXX on hold without being able to reach a representative on the phone. At this point I hung up resigned that I lost the trade due to their site negligence and long call wait times. Since this morning I am still seeing an incorrect balance on my account along with missing transaction history after XX/XX/XXXX. This is costing me alot of money and I still have active options in my Ally XXXX account. 

Please, any help is greatly appreciated as I have $ XXXX between savings and investments and I can not afford to run the risk of incurring any further losses due to their site and customer support negligence. Attaching call wait times, and chat transcripts for reference.
Consumer complaint received 2024-02-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (WI)

I refinanced my home in XX/XX/2021 my lender paid all debts on my credit report Jefferson Capital LLC came after me for a debt that was paid to them in XX/XX/2021 causing my credit score to drop XXXX points while in the middle of looking for rental property I have paperwork that I submitted to XXXX and XXXX this company has deceptive practices that need to be addressed so many consumers are going through this and feel bullied by this company.. Thank you for your time signed a fed up consumer who cares and work hard to keep my good credit in good standing.
Consumer complaint received 2024-05-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC (IL)

I opened a line of credit with XXXX XXXX for XXXX with XXXX XXXX XXXX. I made my first payment XXXX on XX/XX/2023. I did not miss one payment. I was not able to pay on time like I wanted to because the bill was due on the XXXX of the month, which is around the same time the rent was due. I dont have enough money left over to pay this bill on time after I paid the rent, so I paid with the next check. I have 2 checking accounts. I made 6 payments with one account and 5 payments with the other. Which was a total of XXXX. 
Then they sold my account to XXXX XXXX. When the new company took over I made my first payment with them in XXXX and I made my payment in XXXX which brings my payments up to XXXX. 
XXXX XXXX is saying I owe them an extra XXXX. That is not true and I have the bank statements to prove it. I know this can not be late fees, if so this amount can not be legal. Again the amount of the credit line is XXXX and I have paid XXXX which means I should only owe XXXX. 
I found out about the XXXX when I called in to make a payment and the XXXX XXXX told me all of this and said that I bounced a check. My bank confirmed that is incorrect and again I have the statements to prove this. 
I made a payment of XXXX and said I was going to dig deeper into this matter. They are trying to rip me off and I am not taking it lying down. I just want to pay this debt off and move on. Please let me know if you need any evidence from me.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Im attaching all the documents to help you understand that on Saturday XX/XX/XXXX I was drugged and my phone got stolen. All my accounts have been compromised which is why the thieves had access to my accounts and changed the pw. ALL XXXX transactions to XXXX on XX/XX/year> were not made by ME ( including the ones XXXX to XXXX on XX/XX/year> ). I had to do the same thing for XXXX XXXX since these bank accounts were correlated. That is why you see the XXXX  to XXXX on XX/XX/year>. They were trying to wipe out my account completely. 

Look at those times stamps in the documents when I went missing and when all the activity was taking place. Why would I do those transactions myself at those hours in the morning? And everything at once!

I had no way of getting access to my phone since they changed everything. Until I got back in the states and bought a new phone, getting my old phone number back. Thats when I was able to see all the texts the thieves used to verify the transactions. Please help me.