davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to file a formal dispute regarding incorrect addresses on my Equifax credit report. I have previously reached out to Equifax via certified mail on two occasions, but the inaccurate information persists. Additionally, I am a victim of identity theft, and unauthorized use of my credit has occurred. I respectfully request your assistance in addressing this matter promptly. 

The incorrect addresses that need to be removed from my Equifax credit report are as follows : 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 XXXXXXXX, GA XXXX I want to emphasize that I have never resided or received mail at any of these addresses. Their presence on my credit report not only jeopardizes my financial standing but also underscores the severity of the identity theft issue I am facing.

As per 15 U.S.C. 1681s-2 ( A ) ( 1 ), Equifax is obligated to furnish accurate information to consumer reporting agencies. In my previous correspondence with Equifax, I have provided evidence of the inaccuracies in my credit report and requested their immediate removal.

I have sent two certified letters to Equifax disputing these addresses : Certified Letter : XXXX Sent on XX/XX/2023 Certified Letter : XXXX Sent on XX/XX/2023 I kindly request the Consumer Financial Protection Bureau 's intervention in addressing this matter swiftly and decisively. Equifax 's failure to respond within the legally mandated XXXX window has not only delayed my credit report 's correction but has also caused undue stress. I expect Equifax to conduct a thorough investigation, confirm the inaccuracies, and remove these incorrect addresses from my credit report. 

Despite my diligent efforts, these incorrect addresses remain on my Equifax credit report, casting a shadow over my financial stability and causing unwarranted distress. 

I kindly request the Consumer Financial Protection Bureau 's intervention in addressing this matter swiftly and decisively. I expect Equifax to conduct a thorough investigation, confirm the inaccuracies, and remove these incorrect addresses from my credit report. 

Your prompt attention to this issue is greatly appreciated, as it will significantly contribute to the resolution of my identity theft case and the restoration of my creditworthiness. I look forward to a timely response from your office.
Consumer complaint received 2023-10-24
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 am not liable for this debt with XXXX XXXX for {$310.00}. I do not have a contract with XXXX XXXX and was not provided the original contract as requested. My request to remove this illegitimate account from my credit report has already been honored with by another credit bureau XXXX as of XX/XX/2023. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2023-10-24
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: FIFTH THIRD FINANCIAL CORPORATION (MD)

I had a covid forbearance on my mortgage through Fifth Third Bank through the end of XX/XX/XXXX. I filed for an extension during the month of XXXX. 

I contacted them for an update in XXXX, they said they didn't get anything and if I still was having the hardship I would have to apply for a new forbearance. I did so. 

The assessment of it was delayed until XXXX, and so XXXX and XXXX were marked as late payments. 

My situation changed in XXXX of XXXX and I was able to bring everything current and come off of forbearance. Unfortunately those payments were still marked as late and so they were marked as paid 180 days late. 

I appealed and filed disputes through the credit bureaus, but they were denied too quickly for me to believe they were really looked into. 

This has proven problematic with attempts to refinance and be approved for new lines of credit since.
Consumer complaint received 2023-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (PA)

XXXX paid our taxes of {$3700.00} on XX/XX/2023. PHH  bought the loan and started servicing it on XX/XX/2023 and PHH  paid {$3700.00} again on XX/XX/2023. I spoke to XXXX XXXX at XXXX XXXX XXXX tax dept. and was advised that she received XXXX 's check and found that it was an overpayment. 
She did not deposit the check, she returned the same check to them the beginning of XXXX. That was almost 2 months ago and our escrow account should not be showing a negative balance. I have emailed PHH Mortgage with no response and called several times with no result.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (SC)

After reviewing my credit report, I noticed an unauthorized inquiry from XXXX XXXX. I have attempted to correct this to no avail. I have 3 accounts with XXXX XXXX and have not applied for additional accounts.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (UT)

I ordered merchandise over 13 years ago. I filed a claim with wells fargo when I had the account. The amount was XXXX I believe or somewhere in that range. 13 years later they were audited and found that they owed me my money back. After 13 years of holding onto my money, they sent me a check for XXXX cents which if I owed them any money they would be charging me interest every month like nothing until paid. So why after XXXX do they get to walk away with a slap on the wrist I am not okay with this and I told the branch manager in XXXX XXXX same thing this is not right.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings (CT)

My father was renting an apartment at XXXX XXXX XXXX, XXXX NC. He was on a month by month basis and after terminating his lease with the rental company, XXXX XXXX XXXX ) they served an eviction notice on him as well. I have the same name as my father with the exception of XXXX being at the end of my name. I had never signed the lease and I was never a tenant. I would like this removed from my report as it was not me.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (VA)

Dear CFPB, I am writing to urgently address a pressing issue concerning my financial interactions with Albert. On XX/XX/2023, I downloaded the Albert App to receive a {$35.00} advance, agreeing to the associated {$4.00} processing fee. Since then, Albert has withdrawn a total of {$270.00} from my linked XXXX XXXX XXXXXXXX account, as detailed in the attached XXXX XXXX XXXX file. 

Despite my immediate actions to cancel my subscription and deactivate the " smart money '' feature on the Albert App, unauthorized transactions continue unabated. This has caused significant distress and financial uncertainty.

To compound matters, Albert refuses to unlink my XXXX XXXX XXXXXXXX account without linking another bank account, a step I am unwilling to take. Their justification for this refusal is the alleged " smart money '' deposit in process, despite my explicit choice to disable this feature and my attempts to terminate my account. 

Today, an unexpected deduction of {$170.00} was made from my XXXX XXXX XXXX account, with no corresponding record in the Albert App, intensifying my concern and frustration.

I want to emphasize my absolute refusal to engage with Albert and my firm decision not to activate the debit card they sent me. I am resolute in my request to sever all ties with Albert and any affiliated entities. Therefore, I formally demand the immediate cessation of all ongoing attempts by Albert to " save '' or " invest '' my funds. Specifically, I request the refund of the entire amount of {$270.00}, minus the initial {$35.00} advance and {$4.00} processing fee, to be promptly reimbursed and deposited back into my linked XXXX XXXXXXXX XXXX account. Additionally, I insist on the removal of my account from Albert 's database to prevent any future unauthorized charges.

I am entangled in a vexing cycle of unhelpful responses from Albert, and the situation remains unresolved. As evidence of the ongoing issues, I have provided a summary of recent transactions and charges below : XX/XX/2023 : {$8.00} ( processing ) XX/XX/2023 : {$170.00} XX/XX/2023 : {$6.00} XX/XX/2023 : {$6.00} XX/XX/2023 : {$7.00} XX/XX/2023 : {$6.00} XX/XX/2023 : {$5.00} XX/XX/2023 : {$10.00} XX/XX/2023 : {$33.00} XX/XX/2023 : {$11.00} Total Amount in Question : {$270.00} I urgently seek your assistance in resolving this matter and ensuring the swift reversal of these unauthorized transactions. Your prompt intervention is paramount in bringing an end to this distressing situation and Albert 's predatory lending practices. 

Your immediate attention to this matter is greatly appreciated. Attached, you will find documentation supporting my efforts to address this issue with Albert. 

Thank you for your swift assistance.
Consumer complaint received 2021-05-11
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC (MO)

Today, XX/XX/2021 about XXXX XXXX  CST the collector sent a text message to my brother. It detailed how much I owe {$2000.00} and it says how much they are willing to take, {$1600.00} which would be payments of {$130.00}. I have attached a screenshot of my brother 's message he forwarded me and the message he received from the collector. The loan was through XXXX  and the debt collection agency that picked up the debt and texted the information to my brother is Capital Link Management
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

I am using the Chase card benefits re : trip disruption to get refunds on a roundtrip flight as a result of the hospitalisation and passing of my grandmother. It covers both myself and my finance who both used the card to purchase flights and had to cancel last minute due to my grandma 's sudden illness. ( for claim no. XXXX ; XXXX ) I have provided all the required paperwork a month ago ( see the list of paperwork that is required per Chase eclaims website FAQ and the list of paperwork I've provided ). However, I keep getting unreasonable follow-up requests for additional paperwork above and beyond what's required, and with minimal explanation for why they are needed. It feels like hte insurance is trying to drown me in paperwork so they don't have to make the payment. Some of the last ones are imposing significant burden for me to provide- for example, one of the comment was " proof of refund was insufficient '' and asks that I follow the example on FAQ website. However, I can't follow the prescriptive letter head on the FAQ which offers some refund and apologies to the customer- in my case, it was my grandma 's hospitalisation and passing, and not the airline 's fault or delay. Thus there is no written statement for any refund other than the email that was sent to me. This insurance benefit feels like a complete scam- especially in my case, there is no sense of humanity other than just wanting to profit and minimise insurance claims.
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have been reporting that this debt along with others are not consented by me. I have had my identity stolen and trying to clean up this massive mess someone left for me. This XXXX  XXXX credit card in particular looks like it was written off in XXXX however late payments are still being reported as the last one was XX/XX/XXXX. This is not my account and demanding it be removed. Also the reporting balance is higher than what the limit actually was. This account was opened using fraud and not by me. They may have my correct information but again was not done by me. I have been trying to fight this with no success. My identity was stolen and still dealing with the effects of it.
Consumer complaint received 2023-08-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. Portfolio Recovery 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 XXXX step validation procedure which make these unfair practices. Furthermore, I was never sent correspondence notifying me that this account was sold, nor have I received proper validation from the original creditor. When I contacted the original creditor to inquire about this unverified account, I noticed that the balance on my credit report is not the same balance that the original creditor is reporting. How is this valid? I also received nothing in the mail leading up to this collection being reported. I am very aware that Portfolio Recovery is a repeat offender of illegal debt collection practices and consumer reporting violations. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from my credit report or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors on XXXX XXXX in regards to the unauthorized inquiries and they have NO proof I initiated such Inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2023-10-24
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. (CO)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the
processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXXXXXX Charge-off {$1000.00}
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I hope this message finds you well. My name is XXXX XXXX, and I am writing to request a thorough review of my account regarding the Naivent settlement. I firmly believe that I qualified for the settlement, and I would like to provide additional information to support my claim.

I understand that the settlement process has been ongoing, and I appreciate the efforts put forth by your team in handling these matters. However, after reviewing my account details and the criteria for eligibility, I am convinced that there might have been an oversight or misunderstanding during the initial evaluation of my case.

To facilitate the review, I would like to outline the key points that support my eligibility for the Naivent settlement : Upon review of my account, they specifically requested that I take a Forbearance numerous times which I believe I qualified for the settlement, such as meeting the specified eligibility requirements or experiencing the specified circumstances, I've also attached the account history for the life of the loan. 

If applicable, I will provide any additional relevant documentation or evidence that supports my claim. 

I assure you that I have thoroughly reviewed the settlement terms and conditions, and I believe that my situation aligns with the specified criteria. It is essential to me that my claim is given a fair and comprehensive evaluation. 

I kindly request your prompt attention to this matter. If there is any additional information needed or if you require clarification on any aspect of my claim, I am more than willing to provide it promptly. 

Please acknowledge the receipt of this message. 

Thank you for your understanding and for giving my request the attention it deserves. I eagerly await your response and a resolution to this matter.