davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-08-31
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

I was approved for ACP benefits during COVID-19. I contacted XXXX XXXX XXXX  and they verified I could receive the discount. I opt for the lowest plan in order to effectively zero out Internet bills. I was contacted by phone to reapply since apparently the ACP expired. During this time I received no bill or mail from XXXX XXXX XXXX for over a year. One day my internet goes out so I call XXXX XXXX XXXX and the rep tells me I owe {$800.00}. I never upgraded, I didn't let the ACP expired, I never received a bill for XXXX XXXX XXXX until months after my service was disconnect. When I called to try to understand the situation the rep told me " just to pay my bill '' because apparently that is the only way to handle an error on their part. My internet goes out when I don't pay the bill. That doesn't even begin to explain how I could possibly have an {$800.00} bill on a free plan. Even if I didn't have the ACP plan and paid monthly, {$30.00} X 12 months is only {$360.00}. The only explanation that makes sense is someone made a careless error without double checking which account they pulled up. All I am very sure of is I did not upgrade ( because I wanted free internet ), I never received a bill in between {$0.00} to {$800.00}, I wasn't informed there could be a problem or that there was a problem, and I have been blown off by XXXX XXXX XXXX. The account is now in collections by a company who bought the collection. The collection provides zero information. I disputed it and the company just came back with the account has been verified without providing me a single shred of information. The account was bought by XXXX XXXX  XXXX Account number XXXX
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NC)

My credit card was lost and charged the amount of XXXX at a tire shop in XXXX. I reported the card because I didn't authorize that transaction nor do I live in XXXX.it was handled, so I thought only to be put back on my account months down the line and I have been having this issue since XX/XX/2023 2023
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

I called on XX/XX/year>, and talked with 2 different people at Nelnet This took 3 hours. The company consistently applies random amounts to the principal/interest ; each loan is treated differently by them each month. They apply wherever and whatever they want, without regard to my instructions. They were also supposed to change my account to 1 due date instead of 2. Also, I repeatedly tried to change the amount that is autodrafted each month to make more than the minimum. The system keeps defaulting back to minimum payments. One month it took out double payments. You can not access all of your auto payments at once. The system only shows you info for the loan that is due next. So you have to check the system every day. I have also tried to change my acct to " DO NOT ADVANCE MY DUE DATE '' but the system won't allow that change, it just puts up an error. It was set to " Do not advance '' before, but somehow was changed without my knowledge. ( Advancing the due date only adds more interest ). Furthermore, one of my loans received {$0.00} applied to it, ( which caused the balance to increase more than it was the previous month ), even though I paid {$51.00} EXTRA on that payment. The people at this company kept " checking with their managers '' and I have yet to receive an answer of rectification on that either. I also emailed my concerns to the company. Not only have they not responded, there is no record of it on my account. That being said, their website is completely unhelpful.
Consumer complaint received 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (TN)

Good afternoon, Here is what happend. XXXX XXXX wired the funds in the amount of {$2700.00} to AmeriHome Mortgage Company. Once received by Amerihome, there was a payoff shortage caused by an overdraft in my escrow account due to a tax payment. Taxes were confirmed as paid so XXXX XXXX  voided their tax check and sent a check for the shortage to Amerihome. However, Amerihome deposited the check and paid my loan in full. 
XXXX XXXX then wired the shortage of funds to Amerihome. AmeriHome Rejected this wire as the loan was paid in full. The wire was sent two different times to AmeriHome both times being rejected since Amerihome was showing my loan was paid in full. 
The overage of funds were wired to me on XXXX in the amount of {$2700.00} by XXXXXXXX XXXX since it was belived AmeriHome was paid in Full. 
After this is when the check that was void by XXXX XXXX was rejected by Amerihome 's Bank leaving the balance owed to me. Now, I receive a letter last week from AmeriHome dated XX/XX/XXXX ( The only communication I have received from them ) sayingthat my loan is not paid in fulll and that I owe AmerHome {$2700.00}. by XX/XX/ or adverse credit reporting will be taken.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (FL)

I make a payment to Nordstrom on the XXXX of every month for the last couple of months to pay off my balance and the company would hold my payment for 2+ weeks and report back to my credit as high utilization as well as dropped my credit score XXXX The money would be taken out of my bank account the same day the payment is made, so I wouldnt have access to my card during the 2 + weeks. I have tried to contact them and they are quick to say theres nothing they can do.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

Judgements are void and shouldnt be reporting see cases 

- [ ] Valley v northern fire and marine ins co
- [ ] Old Wayne mut. I. Assoc. v. McDonough 
- [ ] Potenz corp. v. Petrozzini 
- [ ] Rose v. Himely 
- [ ] Williamson v. berry
Consumer complaint received 2022-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

This fall my husband and I were applying for a business loan and we found 3 collections notices on my credit account. 1 for XXXX, 1 for XXXX, and one for a XXXX account XXXX They all 3 were started/applied for in XXXX XXXX  XXXX I have not resided in or been to this area of the US. I am from XXXX XXXX and have lived in XXXX  since XX/XX/XXXX. None of these are mine. We called our attorney XXXX XXXX and he helped us file fraud claims and a police report here in XXXX. We attempted to file a police report in XXXX XXXX  but the officers there would not take the report and referred us to XXXX  due to that being where we live. Police report number ( XXXX XXXX  Police Case # XXXX ) - Photo attached. The XXXX and XXXX accounts were quickly removed and resolved. 

Portfolio recovery has been challenging. We have called multiple times to try to get a fraud claim filed in XX/XX/XXXX. After several tries and agents we believe a fraud claim was filed. We waited a month and received a letter from XXXX XXXX asking to confirm the fraud claim. On XX/XX/XXXX we called XXXX XXXX, confirmed the claim. After the call we checked our credit only to see that PRS ( Portfolio Recovery Services ) had closed the file indicating resolution. No instance of fraud was indicated. I called shortly after seeing this and spoke with 3 very difficult and misdirecting employees, one was a supervisor who would not give her name. All three claim no fraud was filed and we would need to refile. Our XXXX XXXX letter indicated otherwise contradicting their assertion. I do not have confidence that PRS is interested or willing to follow through on this fraudulent claim for collections. We have clear evidence and documentation to show this is too. Our business is being adversely effected by their unwillingness to resolve this in a timely and effective manner.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AA Recovery Solutions, Inc. (AZ)

In XXXX of XXXX XXXX with Account Recovery Solutions contacted me at work and got through the front desk. I work at XXXX XXXX attorneys office and these calls are not allowed to be solicited. On XX/XX/XXXX she attempted to contact me TWICE within seconds of each call and then contacted my work at the front desk to reach me, after I asked her not to and provided my cell phone was the best means of communication during our first communication. This is harassment and completely unacceptable. Account Recovery Solutions was notified by Progressive Debt Relief that I am working with a debt relief program and they sent over the power of attorney paperwork. XXXX has also continuously contacted me by phone and calls repeatedly back to back. This is harassment and illegal to contact the place of work when she had attempted to call me minutes prior. I am a full time employee and if I dont answer my phone or contact the company back within my working hours, it is harassment to continuously try within so many minutes. This is inappropriate and unacceptable behavior.
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

As a first time home buyer, i was so proud and happy to become one as many of my friends and family are. 
Everything started to go downhill when covid hit. it affected my income and i lost my job due to covid it drained out my savings account trying to pay my mortgage on time. 
as a result of at i got behing on my mortgage and then i started to have personal problems with my relationship and end up separating last year. 
on XXXX XXXX i received a letter for my mortgage company telling me that my house is going to be on a active foreclosure case if i dont pay the amount of {$11000.00} in 30 days. i will attached a copy of the letter. 
what im asking and praying is for a little bit of help on this huge issue that i have.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (SC)

The account in question is a joint account opened in XXXX by me and my ex-wife. We are now divorced with a signed divorce agreement signed by both parties and filed on XX/XX/XXXX. The court reviewed and judge signed agreement that filed it on XX/XX/XXXX. In that agreement, in the debts and liabilities section, it clearly states that any joint accounts should not be used if they have not been closed. Also, that no charges can be made on the accounts, no late payments, nothing that would affect the other person 's credit, and that all liability/debts for the other person on joint accounts is waived. 

This agreement was violated by my ex-wife. I was instructed that I was not a user on the account anymore at the time of the agreement. I also/still have no access to the account or any credit cards for that account. She is the primary user, and I am a secondary user. There were two charges made by her on XX/XX/XXXX ( {$1600.00} ) and XX/XX/XXXX ( {$450.00} ). After that, there were 4 consecutive missed payments starting in XX/XX/XXXX which caused the account to be delinquent and also close with a balance of {$2300.00}. Because I am a secondary user on the account, my credit has been impacted with the 4 missed payments and a delinquent account. I am not liable for this account or debt as of XX/XX/XXXX. 

I have contacted the company in attempt to remove myself from the account but was instructed I can not since the account has been closed and move to the collections department. I also asked how I could be removed from having accountability or to retroactively apply the correction to the account to remove this from my credit reports. Next, I filed disputes with the 3 credit bureaus. The reports came back with nothing being changed because the company stated to the bureau that the account was opened in XXXX with me as a user. They never asked or offered a method for me to provide the divorce agreement that states I am no longer liable from before these purchases were made without my knowledge/consent and that my ex-wife is in violation of the court ordered agreement.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MI)

I've had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 FERPA 20 USC 1232 ( G ) 34 CFR 99 5 USC 525 ( A )
Consumer complaint received 2024-02-02
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ACIMA CREDIT, LLC (NY)

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 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited XXXX checks into my chase bank account from my clients that I work for on XXXXXXXX XXXX2024. And today on XXXX XXXX, 2024 I receive a notification that both of my checking account are frozen. They tried to say that XXXX of the checks popped up as fraud because XXXX of the checks from the same person have the same amount. But in their system its showing up as I did a duplicate check which I didnt. I went over the checks with them and the proof that I had and they still said that they can not release my funds to me or unlock my bank account, they even confirmed with the check writer that the check is not fraudulent, and still will not unlock my account. Now I dont know what to do because chase has all my money from both accounts and my bills are due today and I have no funds to pay now.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX  is a collections account that is currently listen on Equifax and XXXX credit bureau. The collections was removed off of XXXX, as it was verified as the account does not belong to me. I recently contacted XXXX XXXX  and spoke to a representative named XXXX. I informed XXXX that this account does not belong to me and he has marked the account on their end as fraud.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX, with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. 
It should be noted that the Company is a client of Crypto.com 's, owner of the wallet : XXXX The scammers were committing financial crimes right under their nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my Crypto.com wallet in the total amount of XXXX USD utilizing their services and under their authorization.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. I sent letters to Equifax Credit Bureau thedate of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting CB/MAURICES Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.