davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
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: AMERICAN EXPRESS COMPANY (UT)

Dear American Express, I hope that one of the representatives can call me to look deeper into the dispute that I have with XXXXXXXX XXXX The dispute number is : XXXX To sum it up, the dispute was rejected for 2 main reasons 1 ) The merchant agreed to take in the vehicle to fix it and 2 ) I signed on the sales agreement The truth is, the merchant blocked me after I sent them an inspection report from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) that the car is still broken. They blocked my number and is unwilling to fix the vehicle. In addition, I never signed a sales agreement. If you take a look at the photo that the merchant provided on the receipt, the Merchant signed my name on the receipt without my knowledge. 


I have attached all the evidence in the CFPB report, please call me if you need additional information. In the CFPB report in XXXX, I received a resolution that someone tried to call me to collect information. However, I never received those calls. Please text and call me at XXXX.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc. (VA)

I requested that Revolut submit a chargeback claim for unauthorized transactions on my account. Just a few hours later they denied my claim to submit the chargeback. I asked customer service why were my claims denied and they said the team found no evidence of fraudulent activity. I asked them to send me the evidence they used to come to this conclusion. The agent wrote back Thank you for your patience, XXXX. Actually, our team could not provide any document supporting it as of now. However, they should be sending you an official email directly to confirm the status of the chargeback rejection, please kindly wait as it should be reaching you soon. So the only reason they denied my claim was because they did not want to deal with it. I thought under Regulation E they are required to handle this. I also got an email 10 minutes after that telling me the claims were denied and to contact customer support if I want to review the evidence used to reach this conclusion and so I did and this was the response Unfortunately, in this case, they can only provide an email confirmation since the case could not be disputed by them. It is not the case, XXXX. Since they do not have dispute rights in this case they could not proceed with it and hence they do not have the documents under VISA/MasterCard regulations XXXX So then I asked to show me where it states they do not have dispute rights and his response was Unfortunately, as a support executive, I can not show you this information as it is only checked and influenced by our Chargeback Team. This is absolutely unacceptable.
Consumer complaint received 2023-09-25
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. (CA)

Personal Information Update Experian XXXX XXXX XXXX XXXX Texas XXXX Experian ; I just looked at my credit report and was shocked to the amounts of errors you have listed. I am writing to have them immediately removed. 

The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately : XXXX XXXX XXXX XXXX  Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately : XXXX XXXX XXXX XXXX XXXX Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like them all removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX I understand that each of these violations are {$1000.00} per each error and account per 15 USC 1681n ( a ) ( 1 ). I will be attaching a bill of particulars for your convenience.

As the consumer I need this resolved immediately. See 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

By provisions of the Fair Credit Reporting Act, I DEMAND that these items be removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (PA)

I was threatened by SUNRISE CREDIT SERVICE and told I needed to pay {$960.00} or the debt will stay on my report even after the statute of limitation. I contacted XXXX and disputed the information and requested that they validate the debt and they too have not responded with a legitimate Debt Validation Letter or Original contract. The company is non compliant and refuse to confirm what the debt is for or when it was opened.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (KY)

- In accordance with the fair reporting " XXXX XXXX XXXX XXXX has violated my rights.

- 15 USC 1681 Section 602 states i have the right to privacy.

- 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 a purpose.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (DC)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this account to be removed and updated to on consumer report I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency corelogic has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681. Failure to address and rectify this dispute within the regulatory framework may regrettably compel me to pursue legal actions. I appreciate your immediate attentio to this matter and expect a timely response and resolution. 

Account Name : [ XXXX XXXX  ] * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] * 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. also 15 U.S. Code 1681 ( o ) * 15 U.S. Code 1681 ( i ) * 15 U.S. Code 1681 ( e ) ( b ) * 5 Violations in total
Consumer complaint received 2024-01-15
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. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Nelnet ncial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Nelnet whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I SENT SEVERAL LETTER TO TRANSUNION STATING I DID NOT AUTHORIZE THESE INQUIRES AND ASK FOR THEM TO BE DELETED AND THEY JUST SENT A COPY OF MY CREDIT REPORT AND THE ISSUE WAS NOT RESOLVED. THEN i ASK THEM FOR PROOF THAT i AUTHORIZED THESE INQUIRIES ON XX/XX/2023 AND THEY STIL DID NOT SEND PROOF.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (FL)

Dear CFPB, I am writing to file a complaint against AidVantage ( loans previously held by XXXX ) for illegally accruing interest on my student loan payments during the period that interest on student loan payments was frozen by the Biden administration. 

I have been a customer of Aidvantage since XX/XX/XXXX, when XXXX transferred them my debt. At that time, my balance was significantly less than {$27000.00}. The last balance I have written down from XXXX was {$27000.00}, and even that balance included illegal interest accrual from the 2 years prior, when my balance was closer to {$24000.00}. I have not opened any new student loans since XXXX, and I have been in deferment since that time. I am aware that interest on student loan payments was frozen from XX/XX/XXXX to XX/XX/XXXX. 

However, when I checked my loan balance on XX/XX/XXXX, I was shocked to see that it had increased to over {$30000.00}. I contacted Aidvantage to inquire about the discrepancy, and they have not yet provided an adequate explanation or solution. 

I believe that this is a clear violation of the law. The Biden administration specifically stated that interest on student loan payments would be frozen during the COVID-19 pandemic to provide financial relief to borrowers. Either Aidvantage or XXXX ( who sold my debt to Aidvantage ) has violated this order by illegally accruing interest on my loans. 

I am requesting that the CFPB investigate this matter and take appropriate action against Aidvantage. I am also requesting that Aidvantage immediately correct my loan balance to that which was reported by XXXX on XX/XX/XXXX and refund me any interest that was illegally accrued during the period that interest was frozen. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-01-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC (NE)

XX/XX/XXXX received a phone call from XXXX a representative named XXXX spoke requesting to speak with XXXX XXXX XXXX 

On XX/XX/XXXX Revco wrote a letter stating they would cease all further collection activity on the account. Yet here they are calling again.
Consumer complaint received 2024-04-22
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. (TX)

Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.
Consumer complaint received 2023-09-24
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Credit Karma (CA)

Credit karma and XXXX XXXX stole my money and they both closed my accounts and keep telling me I have to call XXXX XXXX and XXXX XXXX keep telling to contact credit karma no one would listen to me and now they both closed my accounts and still have not given me my money back
Consumer complaint received 2023-12-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

An applicable financial entity has XXXX ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. 


Per IRS Publication XXXX : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and XXXX have to pay tax on this income. 

If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return.
Consumer complaint received 2024-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (NE)

Specialized Loan Servicing ( SLS ) failed to properly notify the Nebraska Homeowners Assistance Fund ( NHAF ) of an increase in my mortgage payment, leading to partial payments and potential future delinquency. This complaint is made under the relevant consumer protection laws and mortgage servicing regulations. 

**1. Statement of the Problem : ** SLS notified me on XX/XX/XXXX, of a mortgage increase from {$1500.00} to {$1700.00}, effective XX/XX/XXXX. However, they failed to inform NHAF through the required secure channels, despite their responsibility to do so. This omission has resulted in NHAF making only partial payments, XXXX, XXXX and XXXX, XXXX, jeopardizing my financial stability and potentially leaving me in arrears after my program participation ends in XXXX, XXXX, when final payment will be made and I am exited from the program. 

SLSs failure to notify NHAF not only demonstrates willful negligence and inadequate loan servicing but also raises concerns about predatory practicesm I have been experiencing with SLS for many years now. Including an incident where a representative of SLS, came to my door and called me " a XXXX XXXX XXXX '' in response to my questioning his intent. 
As a XXXX, XXXX XXXX  and XXXX veteran homeowner, I have years of neglectful servicing by Specialized Loan Servicing to know beyond a reasonable doubt that this oversight is part of a broader pattern of discrimination aimed at leading to foreclosure.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

# XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TRANSUNION ACCOUNT STATUS ) *OPEN ACCOUNT* ( CREDITOR ACCOUNT STATUS ) CLOSED CHARGED OFF AS BAD DEBT PROFIT LOSS WRITE OFF* # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION ACCOUNT STATUS XXXX XXXX XXXX  CREDITOR ACCOUNT STATUS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( XXXX XXXX A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) also ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) accounts are shown on as XXXX XXXX TRANSUNION. Accounts are reported as an open account status but state that are charged off as bad debt remarks on TRANSUNION comments section. TRANSUNION is a clear evident disregard for the completion of accurate reporting which provides me as a consumer to file an arbitration with the XXXX administration with this evidence of inccacurate invalid and requesting results of imvestigation that have not been provided. TRANSUNION reporting unverfied charged off accounts that are shown as open has an impact to my XXXX and my overall credit rating to my consumer report as a CLOSED ACCOUNT WITH INACCURATE BALANCE, INACCURATE AMOUNT PAST DUE AND MINIMUM MONTHLY PAYMENT. TRANSUNION REOPRTED ACCOUNTS OPEN WITH BALANCE AFTER MY FIRST & SECOND DISPUTES ABOUT THE ACCOUNTS THAT WERE CLOSED AND CHARGED OFF TRANSUNION UPDATED ACCOUNTS TO OPEN BUT STILL REPORT CHARGED OFF. TRANSUNION DID NOT PROVIED ME DETAILED RESUTLTS.
Consumer complaint received 2023-10-30
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, has violated my rights. 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 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information,
Consumer complaint received 2023-09-20
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. (PA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2024-01-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC (IL)

I reached out to the company pertaining to alleged debt owed due Identity theft spoke to a person by the name of XXXX XXXX they sent me a document too fill out an affidavit which i sent in and also had gotten notarized but once i did i was never given a response to this information.
Consumer complaint received 2023-09-24
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: EQUIFAX, INC. (OH)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized 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 The following inquiries are unauthorized : 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 2024-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I AM filing this complaint on portfolio recovery, as they are claiming I owe {$450.00}, for not replying in a timely manner to my initial debt validation letter that I certified mailed on { XXXX }, portfolio recovery has NOT only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

According to 15 U.S.C. 1692k, any failure to validate this debt or any violation of the FDCPA will leave portfolio recovery subject to potential legal action for damages. They have not sent me any correspondence whatsoever and it is impacting my credit worthiness.