davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Aspen Yo LLC (CA)

I AM A VETERAN WHOM SERVED MY COUNTRY. I HAVE HAD CHALLENGES WITH MY HEALTH DEALING WITH ONGOING MEDICATIONS AND XXXX. I HAVE BEEN IN AND OUT OF THE HOSPITAL BECAUSE OF THE ONGOING HEALTH DIFFICULTIES I AM FACING. I BELIEVE I AM GOING TO PASS, AND I WANT TO PASS IN MY HOME. I DO NOT KNOW IF TO CALL XXXX? GREGORY FUNDING? XXXX EVERYONE I ENCOUNTED AT GREGORY FUNDING AND XXXX IS EITHER RUDE, FRUSTRATED, NO HELP TO ME WHATSOVEVER. I AM FACING A SALE DATE AND NEED TIME TO PAY THIS LOAN OFF AND ALSO NEED THE PAYOFF DEMAND TO KNOW HOW MUCH I OWE. I HAVE BEEN APPROVED FOR A REVERSE MORTGAGE LOAN THROUGH ONE OF THE MANY VETERANS XXXX XXXX XXXX. I DO NOT KNOW WHO TO SEND THIS INFORMATION TO WITH THE SOLE PURPOSE OF OBTAINING THE 90 DAY POSTPONEMENT TO ALLOW THE REVERSE MORTGAGE TRANSACTION TO CLOSE PROPERLY. PLEASE HELP ME FIND OUT WHO MY LENDER IS. PLEASE
Consumer complaint received 2024-05-23
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: Debt Recovery Solutions, LLC (SC)

I noticed an account that was reported on my credit report that does not belongs to me. 

I contacted the Debt Collector listed on my credit and the Credit Bureau ( XXXX ) today XX/XX/2023 at XXXX. 

I explained to the Debt collector that the account doesn't belong to me and the Representative lied and stated that he was working on the behalf of another lender, which I explained that I Disputed the other lender ( XXXX XXXX ) for Identity Fraud and they removed the account from my credit report. 

I've tried to talk to the debt collector and asked to see the purchase agreement with my signature. The information they stated on my credit report were inaccurate. 

The debt collector stated that the last payment were sent to them sometime last year, but refused to provide me the proof. 

I would like for this incorrect/Fraud account removed from my credit report immediately.
Consumer complaint received 2024-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

Numerous unauthorized charges from the merchant XXXX network. These charges began XX/XX/year> until XX/XX/year>. These charges range from {$1.00} to {$53.00}. There are numerous repetitive charges. I brought this to the attention to Chase on XX/XX/XXXX. The total was {$840.00} and in addition I was charged a late fee of {$29.00} and interest of {$57.00} while disputing these chargres. I have only received XXXX check for {$140.00}. I have paid the bill in full.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Crown Asset Management, LLC, Duluth, GA Branch (MI)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 
XXXX XXXX  XXXX After checking my most current report the updated information stated the account was purchased by Crown Asset Management LLC this account can not be reported as a charge off on my credit report if the account was sole to another lender. Please send the 1099-C form
Consumer complaint received 2023-12-07
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. (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 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 2023-12-07
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: Experian Information Solutions Inc. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VT)

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXX TRANSWORLD SYSTEM INCXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYSTEM INCXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VT XXXX
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MT)

I received an email from XXXX at my work email address stating that my Chase credit card was temporarily closed. I have a Chase credit card, but it has no balance at this time and is in no way connected to my work email so I believe that this is a phishing email intending to get my information and access my account. This email is very very good. As in no spelling/grammatical mistakes and it looks like a real Chase Bank email .
Consumer complaint received 2023-12-08
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 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
Consumer complaint received 2023-12-08
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: Experian Information Solutions Inc. (CO)

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.
Consumer complaint received 2024-05-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A. (AZ)

I made a payment to payoff my personal loan in the amount of {$8000.00}. 

On my statement dated XX/XX/XXXX The statement says I made 1 payment totaling XXXX applied to Principal XXXX applied to Interest XXXX XXXX Statement Your Total Payment due on XX/XX/XXXX : XXXX Monthly Payment Amount XXXX Past Due Amount : XXXX Loan Details : Loan Amount XXXX Principal Paid to Date : XXXX Remaining Principal XXXX Interest Rate 12.49 % Interest Paid to Date XXXX Monthly Payment XXXX Monthly Payment XXXX Past Due Amount XXXX Total Payment Due XXXX Payment Due Date XX/XX/XXXX ON this statement I also show my payment posted on XX/XX/XXXX I then received a collection Letter dated XX/XX/XXXX it says Action required XXXX XXXX XXXX thank you for the recent payment on your Installment Loan account. We noticed that your last payment wasn't for the full amount due. Paying the full amount on your statement will bring your account current. 

We wanted to make you aware of a possible payment solution that may be available to help bring your account current. This option may reduce your annual percentage rate and or reduce your payment. etc. 

I called and they claim they will send a paid in full letter but they can't explain why i received this information. I feel like while my account does show XXXX there is this past due amount that their system is asking for that is causing me to receive this collection letter.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (CA)

On my XXXX credit report, Southwest Credit is representing XXXX for XXXX derogatory amounts on my credit report, XXXX for {$94.00} and the other for over {$500.00}. This debt collector is not on my XXXX credit report. These XXXX derogatory remarks dating back to 2012 are keeping my credit score from going up on the XXXX credit report. I 'm in the process of negotiating a loan for a new car and to be a well-qualified buyer for the best interest rate I need my XXXX credit report to be over XXXX because the finance companies use XXXX Car Loan credit score for approval.I 've worked diligently and in good faith settling my debts and my XXXX credit report is showing my credit score to be XXXX, however the XXXX credit report is still in the fair category at XXXX. I believe I do not owe Southwest Credit for any collections.
Consumer complaint received 2023-12-07
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 have been going back and forth with all three consumer reporting agency 's XXXX Experian and XXXX regarding several accounts that are reporting inaccurate on my personal consumer report and as of todays date no action as been taken from either of them. 

XXXX original amount {$2500.00} current {$3000.00} Date : XXXX XXXX XXXX original amount {$750.00} current {$990.00} Date : XXXX XXXX XXXX XXXX amount {$81000.00} was paid off not written off as a charge off account. 

XXXX XXXX XXXX XXXX amount {$1400.00} date : XXXX collection on behalf XXXX XXXX XXXX XXXX XXXX XXXX, Never heard of anyone of these company never had an account with them either. 

Several inquires appeared on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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. (IN)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (FL)

In or around XX/XX/year>, I mailed a certified letter to XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), and XXXX ( XXXX ) to dispute the accuracy and completeness of the information furnished by Respondent pursuant to 15 U.S.C. 1681i ( a ). 
Upon receiving the re-investigation results I noticed that American Express verified the information. Still, American Express failed to give account-level documentation pursuant to 15 U.S.C. 1681s-2 ( b ) ( 1 ). Respondent falsely verified the information but didnt give account-level documentation on the account in general i.e. contract, application, etc., pursuant to 15 U.S.C. 1681s-2 ( b ) ( 1 ) failed to conduct a proper re-investiagtion. 
American Express also failed to mark the account as disputed, and is continuing to report incomplete and inaccurate information on my credit reports. 

American Express 's credit card agreement has an arbitration provision, and it states that before beginning arbitration or mediation, both parties agree to send a written notice ( a claim notice ) to each party against whom a claim is asserted, in order to provide an opportunity to resolve the claim informally or through mediation. 

On XX/XX/XXXX I mailed a letter to the address stated in The Agreement ( XXXX XXXX XXXX c/o XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX, however until this day haven't received an acknowledgment of my claim. 

I want to act in good faith and give American Express XXXX last opportunity to resolve this claim informally. Attached to this complaint, you will find the Claim Notice, Pre-Arbitration demand and Arbitration complaint that I plan to file with XXXX or XXXX  in the unfortunate event of not settling this claim in the next XXXX  days. 
Respectfully, XXXX XXXX
Consumer complaint received 2023-09-01
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: TD BANK US HOLDING COMPANY (CA)

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORDSTROM/TD BANK USA 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
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I have been set up for bill payment alerts since at least XX/XX/year>. I get notifications whenever I schedule a payment or XXXX posts. The past XXXX months I received an alert that states my payment is overdue ( wasnt made ) with an associated late charge. Last month I thought perhaps I missed the alert that was payment was coming due and hasnt been made but this month I did not receive an alert as well. I searched their online help and found an article explaining alerts which I attached screen shot of. I also attached screen shot of the XXXX XXXX set up for payments that shows Im opted in and what I have had set up all along. What I learned today is that you have to go to their All Setting tab, scroll down and manually toggle the Payment Due alert on. All the other payment alerts are on already but this most important one requires manual set up? This seems very predatory to me as they get late fees when they dont send payment due alerts. I spoke with a representative who did reverse my late charges and a second representative in online/mobile banking who I expressed my concern over. He said he could take a note but that he couldnt change it and it wouldnt be changed unless they received enough complaints about it. He encouraged me to file a complaint with CFPB. They way their articles and quick alerts are stated, there would be no way a consumer would understand they need to set up payment alerts separately. This needs to be fixed. In the mean time, all consumers need to be aware that they need to manually turn this feature on.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I spoke with XXXX on XX/XX/XXXX to make three accounts current ( and out of forbearance ) and confirm that this would be updated with the credit bureaus prior to a XXXX closing date. 

I called XXXX to confirm at the end of the month and then almost every single business day since XX/XX/XXXX to ensure this was updated appropriately with the bureaus. 

However, as of XX/XX/XXXX all three accounts have not been appropriately updated with all bureaus as out of forbearance, and this is holding up my closing per XXXX guidelines. I have now been charged the EMD ( earnest money deposit ) of {$3000.00} for defaulting on the contract and despite more than 20 calls over the past several weeks, they have failed to correct a single account, although they have updated the bureaus with the loan balances.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XX/XX/2019 for {$810.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2024-05-23
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: Bread Financial Holdings, Inc. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened an account because Truist gives immediate access to funds upon submitting a check before the cutoff time. They informed me that because the account is new, they need to verify the funds. No other bank takes 2-3 weeks to verify a deposited check. I will be unable to access my funds for that entire time and they provide no accreditation until then.