davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Someone ordered a new debit card from Chase without my knowledge on XX/XX/year>, while I was out of the country. After the card replacement email was sent to my inbox, I was bombarded with hundreds of junk emails, so I would miss the email from Chase. Then someone withdrew {$7000.00} from my savings account on XX/XX/year> with the new card and pin. I discovered this situation in the evening of XX/XX/year> when I was paying my credit card and checking my account balances. I went to the bank on XX/XX/year>. A banker at Chase helped me to file a claim to Chase, change the account number for checking and savings, order a new debit card, and set up extra protection for my account ( verbal password, etc ). I froze my credits from the XXXX credit bureaus, and filed a report on XXXX since the person who ordered the debit card somehow was able to have all of my information. Then I received Chase 's response on XX/XX/year>, saying that my claim was denied.
Consumer complaint received 2022-11-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

We were in the covid forbearance program. when we went to reinstate the loan we were trying to get our payment down and refinance the loan at a lower interest rate. We were successful in that we got our payment lowered by XXXX dollars and the interest rate dropped to XXXX. The papers were sent to us and we had them notarized and mailed back to the company, This was the end of XXXX of this year. We started making payments and then received a call that the maturity date was wrong on the notarized copies. So they were going to send out a new set of papers. Well they sent us the very same papers with the same maturity date. We immediately called and notified them. Their response was to say that there would be a third set of papers mailed out. It is now XXXX and we have yet to receive them. They were called repeatedly every month several times. Their answer was it was going to underwriting or it was being checked into. We have spoken to many many employees a XXXX XXXX, XXXX XXXX, always the same thing. We actually just called them last Friday, everything was ok except that now the program we were originally signed up for was no longer available, so they wanted to raise out interest rate and make us pay thousands out of pocket for the loan to be current. That is financially not an option for us. So Monday We get a call that they are foreclosing, and the guy wants to come out to take pictures. We are not the only XXXX that this is happening to. We want answers and they are criminal in the way they have treated us. We have tried to get this resolved. One person told us on numerous occasions not to make payments till the contract was sent out, now we are being punished for doing what was told. We were not shirking our obligation we have been trying to resolve it for months. This Company is Criminal. They are not working on helping us they are trying to take advantage. There are many like us out there. Please put a stop to their shoddy practice.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX Letter mailed to Equifax requesting for them to investigate the accuracy of DEPT OF EDU/XXXX  account listed on report XX/XX/year> Equifax responded via mail indicating that the account information was " verified '' XXXX mailed requesting reinvestigation of account due to inaccuracies. 

XXXXAnother letter mailed to Equifax listing specific inaccuracies and including mismatched reporting across all XXXX credit reports. 

XXXX Information remains unchanged by Equifax
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Please send in validation request because I looked over my credit and I noticed these companies have been reporting stuff that does not sit right and it's laws like the FCRA section 609 for accuracy of the bureuas report then debt people who have beem doing this stuff 15usctitle 1692 validation of debts Please have them delete this mess if they can not truly validate this stuff on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (CA)

Please send in validation request because I looked over my credit and I noticed these companies have been reporting stuff that does not sit right and it's laws like the FCRA XXXX XXXX for accuracy of the XXXX report then debt people who have XXXX doing this stuff XXXX XXXX validation of debts Please have them delete this mess if they can not truly validate this stuff on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (NY)

On my credit report there are many inquiries from companies for auto loans and credit cards that I never personally made such as 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 2024-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-05-26
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: Self Financial Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear SELF / LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant laws in XXXX, Missouri. 

It has unequivocally come to my attention that SELF / LEAD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly in XXXX, emphasizes the necessity of consumer consent for credit reporting. Identity theft and fraud laws in Missouri underscore the severity of unauthorized access and misuse of personal information, further supporting my position. 

I assert with unwavering certainty that I have not provided consent for SELF / LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SELF / LEAD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes in Missouri. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF / LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-26
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: Consumer Portfolio Services, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear CONSUMER PORTFOLIO SVC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX, Missouri. 

It has unequivocally come to my attention that CONSUMER PORTFOLIO SVC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, identity theft and fraud laws in XXXX, Missouri, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CONSUMER PORTFOLIO SVC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CONSUMER PORTFOLIO SVC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CONSUMER PORTFOLIO SVC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANKERS HEALTHCARE GROUP LLC (WA)

Company is refusing to understand that my devices were compromised and that I did not purposefully take out this loan. 

The actions of depositing the funds into my account and me communicating with the lender happened as a result of identity theft including access to bank account information.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX, XXXX and XXXX was asked to get debt validation, signed contract to support the claims as I have no knowledge of this XXXX debts with DEPT OF ED/XXXX  Never late with Illiana and capital one auto. lates need be verified or deleted
Consumer complaint received 2024-05-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (CA)

Back in XXXX I was let go from and thus unemployed for the first time in my life and made sure to contact Navient to update that I could not pay my school loan. I was told by a Navient loan agent XXXX XXXX ( if thats even her true name ) that I could apply to the XXXX XXXX Loan forgiveness. I did exactly what I was told. I was then informed that I was approved and had to apply for Loan Forgiveness & Consolidation Application ( I have the paperwork for this ). I was informed that if I made a first payments of {$380.00} XX/XX/XXXX and make {$59.00} payments for XXXX months through that my loan would completely be forgiven. XXXX XXXX gave me her direct line and the number to get in contact with any concerns and questions. I was also informed that the payments would not show up in Navient until my last payment. My last payment was supposed to be XX/XX/XXXX. Since XX/XX/XXXX to XX/XX/XXXX, I have been making automatic payments from my bank of {$59.00}. I received monthly emails and text when I made payment and reminders from XXXX I can print and scan those documents if needed. Back in XXXX I received email form Navient that I was to be transferred to XXXX, I had made multiple calls to them and was never able to reach anyone. I wanted to ensure that my forgiveness loan was ok. I had reached out to XXXX XXXX whom I thought was from Navient through her direct line and was informed that my forgiveness loan was safe. To continue to make the payment until XX/XX/XXXX. I called this week on Tuesday and there was a weird voicemail and the other numbers from the emails that I had reached out and it sounded like a marketing voicemail. Which had me worried. I reached out to XXXX and Navient, XXXX and finally was able to speak to agent someone and was informed that is sounded that the payments made was a XXXX party and that they do not utilize XXXX parties and that I was most likely scammed. I was informed by Navient that there has been a significant amount of scams using their logo and even creating websites looking like their websites XXXX XXXX. I was advised to report this to Consumer Financial Protection Bureau and to reach out to Federal Student Aid and report this matter. I have communicated to my bank to stop any further automatic payment and hopefully get compensated. I am currently working on printing and scanning documents to be able to send to Federal Student Aid and to CFPB if you need more information ie., bank statements, emails, etc I can send to you.
Consumer complaint received 2024-07-28
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: DISCOVER BANK (MA)

Disputes on my account have been updated but to only be added back with the original predator and collection agency.Frauds, inaccurate reportings, double jeopardy : deleted prior, Specifically speaking safeco. Who sold it to XXXX collection services which they deem they charge-off. 
Which I disputed and had it deleted. Also any payment, balance, charge off history reflecting Discover card and or its subsidiaries. Consumer Law Violation ( S ) exist under 15USC 1681 and 1682 Transactions and Experiences are ILLEGAL to Report between the CONSUMER AND CORPORATION OR PERSON. 
Also they have violated the exceptions outlined for reasons to furnish or report data without disclosure and or consenting consent.
Consumer complaint received 2024-05-30
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Dispute of Inquiries on Credit Report Dear Experian Dispute Department, I am writing to formally dispute several inquiries listed on my credit report. These inquiries were made without my consent, and I request that they be investigated and, if found to be invalid, removed from my credit report as per the Fair Credit Reporting Act ( FCRA ) Section 604.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify any and all accounts you post on a credit report through the physical verification of the original signed consumer contract. Failure to do so could result in the inclusion of fraudulent accounts, which may adversely impact my ability to obtain credit. 

I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the inquiries listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. If you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

**Name of Account | Account Number | Provide Physical Verification | XXXX XXXX. XXXX XXXX  XXXX | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | Bank XXXX XXXX XXXX. XXXX XXXX XXXX  | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | Capital XXXX NA XXXX. XXXX XXXX XXXX  | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | Capital XXXX NA XXXX. XXXX XXXX  XXXX | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | Credit XXXX XXXX  XXXX 6XXXX XXXX XXXX XXXX | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | XXXX XXXX XXXX 7. XXXX XXXX XXXX | Inquiry date : XX/XX/XXXX | Removal date : XX/XX/XXXX | [ ] | Experian XXXX XXXX I demand that Experian verify the validity of these inquiries by providing physical verification of the original signed consumer contracts associated with each inquiry. Failure to do so will result in their removal from my credit report, in accordance with FCRA guidelines. 

Please investigate these inquiries promptly and provide me with the results of your investigation. I appreciate your attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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. (CA)

- # # # Experian XXXX Dispute Letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Request for Verification and Dispute of Inaccurate Information under Section 609 of the FCRA** Dear Sir/Madam, I am writing to request a complete disclosure of the information in my credit file as per my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ). Additionally, I am disputing the accuracy of the following account, which appears on my Experian credit report : - **Creditor** : XXXX XXXX XXXX - **Reported Date** : XX/XX/year> - **Balance** : {$160.00} - **Credit Limit** : {$300.00} - **Account Status** : Open - **Responsibility** : Individual Account This account is inaccurate and does not belong to me. It does not appear on my XXXX credit report, which contains accurate information. 

Please provide : 1. Verification of the account in question.

2. The method used to verify the account.

3. Copies of any documents associated with this account.

Enclosed are copies of my identification documents to verify my identity.

Thank you for your prompt attention to this matter. Please respond with the requested information and correct any inaccuracies found. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - Copy of identification ( e.g., driver 's license, social security card ) - Proof of address ( e.g., utility bill )
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

Complaint against PayPal Case ID : XXXX I am filing this complaint against PayPal regarding the mishandling and lack of resolution of my dispute case. It is evident that PayPal does not properly review or engage with the escalations sent to their team, as this case would have been resolved long ago if they did. 

This issue originated as a counterfeit fraud case. I purchased a watch via XXXX using PayPal as the payment method. Instead of sending me the watch I ordered, the seller sent two counterfeit XXXX  watches, claiming they were better than what I ordered. Not only are these watches counterfeit, but they also fell apart upon first opening. I filed a dispute with XXXX, and the seller subsequently deleted the sales post that showed the original product. 

I have provided PayPal with all the necessary information to swiftly close this case and take action against the seller, yet this has not happened. PayPal has now informed me that I need to return the fake merchandise to receive a refund. However, there is nowhere to return the fake merchandise as the seller has deleted all information necessary to identify them. PayPal would be aware of this if their escalation team properly reviewed the case details as claimed. I have provided a screenshot of the deleted page and stated clearly in the complaint that the seller deleted the information. 

I also mentioned that a return is unnecessary because there is nowhere to send it, and it would only be a tactic used to avoid issuing a refund. It is apparent that these counterfeit sellers are exploiting the unengaged workers at PayPal. 

I am requesting : A full refund of {$1000.00} USD. 
Immediate resolution of the case in my favor without any request for a return. 
I have been dealing with this case via PayPal for over a month now, and a simple review of the case facts by an actual person would have resolved this immediately.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (TX)

I sent a letter to the company with the following statement and now response back from the company nor did I receive the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX CARMAX AUTO FINANCE XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX I was in the process of shopping for a car. As I pulled my credit, I noticed that there was a charge off from you. Of which I have never received a 1099 form. Can you please go ahead and send me a form?