davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Ensuring timely payments has been my priority with this account, ensuring no instances of overdue payments. I'm puzzled by the late payment remarks appearing on my accounts, and I believe they should be corrected according to 15 USC 1666b - Billing Error.
Consumer complaint received 2023-09-06
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)

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. XXXX XXXX XXXX, 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. 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 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I met all criteria for a promotional direct deposit offer that was advertised to me on my checking account ending in XXXX ( including link below ). I found that my last direct deposit may not have coded correctly as an ACH ( I am not sure ), although it was payroll processed by my bank as a same-day ACH. I called in regarding this, and the manager had a very difficult time finding the promotion and left notes on my account regarding my eligibility towards the bonus. Of course, when just finishing the last direct deposit and waiting the specified time for the bonus, it has not been added to my account. When calling in, agents can not locate the below offer. I need Citi to please apply the below promotional offer as all terms were met so I can move forward. 

https : 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 2023-10-03
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: Duvera Billing Services, LLC (MI)

I paid the loan off in full back in XXXX XXXX XXXX The company took money from my bank account yesterday. They re-started the loan all over again 7 months later without nay notification I do not owe this company any money this has caused me an overdraft fee an now I owe money to my bank I want this to stop immediately. This is ridiculous if I owed you money you would have been trying to collect your money not 7 months later
Consumer complaint received 2023-10-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

Currently the sell of my home is waiting to close but the process is unable to be completed due to Carrington mortgage ( my mortgage holder ) says they are not licensed to originate loans on XXXX where my property is located. Carrington has been asked by myself and XXXX XXXX ( XXXX XXXX of XXXX XXXX  XXXX how we can move forward with having the VA Assumption completed and they have failed to give any path forward. XXXX XXXX had email correspondence with XXXX XXXX ( CEO & Founder ) of Carrington Mortgage and received no helpful information. My mortgage originally was through XXXX XXXX and was bought out by Carrington Mortgage and now I am unable to utilize the VA Loan Assumption process that is entitled to me as an XXXX XXXX member of the military. this stonewall response from Carrington Mortgage is currently costing me thousands of dollars a month paying for a property i no longer live in due to XXXX and every month the sell is not closed is costing the buyers approximately {$1000.00} due to increased out of pocket cost when the assumption goes through. this issue has been ongoing since XXXX of this year and no path forward has been found.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

I am a holder of the Chase Mastercard ( XXXXXXXX XXXX  card ). " XXXX '', the partner of the Mastercard, advertized this deal below : XXXX XXXX XXXX XXXX XXXX  returns, from XX/XX/XXXX XX/XX/XXXX, with incredible prix-fixe menus across the five boroughs and exclusive savings for Mastercard cardholders . 

Register your Mastercard now to automatically earn statement credits on qualifying meal purchases and NJ TRANSIT rides throughout the festival. 

Earn a {$10.00} statement credit each time you spend {$45.00} or more on meals at participating restaurants across the City up to {$30.00} STATEMENT CREDITS ON NJ TRANSIT Receive a {$10.00} statement credit when you spend {$20.00} or more on NJ TRANSIT using the same registered Mastercard up to {$30.00}. 

I have an issue with getting rightfully earned credits for the NJ Transit purchases. 
I have made 3 purchases of {$26.00} each in the first half of XX/XX/XXXX. Two purchases on my card show the train station XXXX and the third purchase shows XXXX train station. I have recieved only one credit of {$10.00}, and still missing two other {$10.00} credits for other two purchases. I have been calling their partner " XXXX '' at XXXX XXXX XXXX XXXX numerous times since late XXXX, and even the case number was opened which is XXXX. Everytime I call they are escalating the issue or promise that I will get a payment within 48 hours. I still did not get the payments after 40 days since I started calling them. I have called the Mastercard on XX/XX/XXXX, and again it was the same thing : " We will escalate the issue, and you will get something in 48 hours '' The last representative as well as the previous representatives from " XXXX '' promised to call me back to inform me about what is happening, but of couse they never call back. Please help me to get my {$20.00} ( $ XXXX {$10.00} ) credits. Thank you.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX Balance {$4900.00} Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX OPEN : XXXX BALANCE : {$10000.00} XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX  Date : XXXX INQUIRY : XXXXXXXX XXXX XXXXXXXX Date : XXXX Please Help Me Reinvestage These Accounts I Seen A Few Errors on My Report and These Accounts Wasnt Open Without Permission Or consent Please Help Me Contact The Creditors And Request Written Documents And Permission Signature From Me This Is A Voilation Of My Consumer Rights And This Needs To Be Handle Accordingly. PLease HELP ME CHANGE THE ADDRESS ON MY REPORT.. 

FCRA VIOLATION BY FCRA LAW CODES : CREDIT REPORTING AGENCIES HAVE TO REPORT ACCURATE INFORMATION ONLY On A CONSUMER REPORT ( 15 USC1681B ) ( 15 USC1681N ) -ANY WHO OBTAINS A CONSUMER REPORT FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWINGLY WITHOUS A PERMISSIBLE REPORTING AGENCY FOR ACTUAL DAMAGES SUSTAINED BY THE CONSUMER REPORTING AGENCY OR {$1000.00} WHICHEVER IS GREATER..
Consumer complaint received 2024-07-21
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2017-05-19
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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (TX)

XXXX   XXXX   Bridgecrest received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES T  XXXX   XXXX   XXXX   XXXX   The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment BridgeCrest has yet to honor the terms of applying the payment. I am requesting that ALL (  7  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.
Consumer complaint received 2023-10-06
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 (MD)

around last year I made multiple charges with my apple card. the limit was XXXX} I traveled with the limit XXXX} when i came back the charges was around {XXXX} i filed a dispute with them and they denied it. i believe it is unfair.
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted multiple times to get accounts : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX off of my credit report due to no physical proof of me signing any legal contracts with them.
Consumer complaint received 2024-07-21
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. (AL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Receivables Management Corporation of America (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts and their balances ( two accounts one in the amount of {$4100.00} and the other {$1200.00} ) from my credit report as soon as possible.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am filing this complaint against XXXX and XXXX for failing to furnish what Portfolio Recovery Associates XXXX has furnished to them to report. XXXX reports the purging date to be XX/XX/XXXX and XXXX reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from portfolio recovery on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. Portfolio recovery received my letter on XX/XX/XXXX. Both XXXX and XXXX have both verified as accurate this same account but still report different purging dates. I do not believe XXXX or XXXX are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand XXXX and XXXX are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. XXXX and XXXX are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by XXXX and XXXX to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. Portfolio Recovery has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because XXXX and XXXX are reporting two different purging dates is solely XXXX and XXXX  default and they refuse to fix this on going issue. XXXX and XXXX should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. XXXX and XXXX are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

all three bureaus are reporting accounts as credit accounts. Which is a violation of the 15USC 1681 Consumer Law. These accounts are charged off accounts they have been paid to the credit furnishers under the FDIC and are now considered income per IRS Laws.

They are being reported as Credit they need to be removed immediately. I have sent letters to them repeatly but they have refused to remove these accounts.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.
Consumer complaint received 2018-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I am a co-signer on three of my daughter 's student loans serviced by Navient. I make several payments monthly to them using two different credit unions ( call them A and P ), both of which are listed on my account with Navient. On two recent occasions, I have made payments to them *after selecting the account from which to make the payment* using the " Make a Payment '' button on their website. On both occasions, they took the payment from an account other than the one I'd selected. The most recent payment ( confirmation number XXXX ) was made on XX/XX/XXXX for {$1400.00}. Their on-line system properly applied the payment, apportioning it correctly as I had designated among the three loans. However, they took the payment from A rather than P as I had selected. I called them today to find out what had happened -- they said their system only showed it " had come from you, '' but not which account had been used. Their on-line system also does not show from which account the payment had been made. The representative with whom I spoke suggested that they'd taken it from the " default account '' -- but their on-line system does not designate either A or P as " default. '' She then asked if I'd like to set up regular payments, which I don't as I want the freedom to make payments at times and from the account of my choosing. As a result of their " mis-applied '' payment, I may incur overdraft penalties from A, but I think I now have that situation covered. They need to fix their system by ( 1 ) disclosing the " default '' account they plan to use ( if indeed that's how they operate ) ; ( 2 ) showing the account from which a payment will be withdrawn, ESPECIALLY if it's NOT going to be the one selected using their on-line system ; and ( 3 ) sending on-line users a confirmation e-mail for all payments that include both the amount and source of payments. It's absolutely ludicrous that neither their on-line system nor their phone representatives can tell consumers the source used for payments. I will probably delete one of the two accounts on their system, giving them only one option from which to withdraw payments, rather than count on them to accurately debit payments from the account I've selected.
Consumer complaint received 2023-10-06
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-23
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. (VA)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 

I am writing to dispute an unauthorized account from XXXX XXXX XXXX on my credit report, resulting from identity theft. This account is a clear and blatant violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Pursuant to 15 U.S.C. 1681c-2, I demand that all credit reporting agencies block this information within 4 business days, as required by law. I have provided unequivocal proof of identity theft, the FTC report, and identification of disputed information. 

The furnisher, XXXX XXXX XXXX, has flagrantly disregarded the FCRA and FDCPA by : - Failing to conduct a reasonable investigation into the dispute ( 15 U.S.C. 1681s-2 ( b ) ) - Failing to provide verification of the debt ( 15 U.S.C. 1692g ) - Reporting patently inaccurate information ( 15 U.S.C. 1681e ( b ) ) - Engaging in deceptive and unfair practices ( 15 U.S.C. 1692e ) Furthermore, the original creditor 's contract contains an arbitration clause, which permits legal action against the company owning the debt. This clause specifically states that the company will bear the costs of arbitration, including filing fees, attorney fees, and other associated expenses ( 15 U.S.C. 1681s-2 ( c ) ).

I demand immediate and unconditional correction, deletion of the unauthorized account, and a corrected credit report. The account details are : {$13000.00} balance, allegedly owed to XXXX XXXX XXXX. 

Failure to comply with this demand may result in further action, including damages pursuant to 15 U.S.C. 1681n and 1681o, up to {$1000.00} per violation, and attorney 's fees and costs. Additionally, I will pursue all available legal remedies, including arbitration and litigation, to hold XXXX XXXX XXXX accountable for their reckless and negligent actions. 

Please note that this dispute is not a mere " error '' but a deliberate and willful violation of federal law, and I will not hesitate to seek punitive damages and other relief available under the law.