davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC (PA)

Volvo Car Financial Services has charged off an account that was never delinquent and in voluntary forbearance and covered by the reporting regulations within section 4021 of the CARES Act. 

The account was opened for " excess millage '' from a previous leased vehicle. The lease was returned in XX/XX/XXXX ( XX/XX/XXXX ) but the account stayed open to cover the above referenced charges. Volvo Car Financial Services, a company we have been doing business with for many years and continue to do so today, placed this account into a voluntary forbearance due to the Covid-19 crisis and then abruptly changed the accounts reported status to " Charged-Off '' in XXXX ( XX/XX/XXXX ). 

In XXXX ( XX/XX/XXXX ) when these changes were noticed we contacted Volvo Car Financial Services to inquire about the status change. We were told by Volvo Car Financial Services that they were not aware of any changes to credit reporting requirements within the CARES act and thus " had the freedom to charge-off and report any account they deemed delinquent ''. 

Again, this account was never reported as delinquent and was reported as " current '' and " paid as agreed '' from XX/XX/XXXX to the time of charge-off in XX/XX/XXXX. 

Also in XXXX ( XX/XX/XXXX ) a dispute was opened with XXXX to further attempt to rectify this situation. The results of the dispute found in favor of Volvo Car Financial Services and a reinvestigation was denied. We have since attempted to contact Volvo Car Financial Services multiple times and have been hung up on or transferred endlessly through a never ending stream of representatives.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

I have been trying to get my credit report updated for MONTHS. I have made several calls to Navient, XXXX, I have emailed, I have snail mailed and filed several claim disputes. 

When you look at my credit report from XXXX, it is NOT showing the correct amount of my loan that has been paid off. I contacted Navient about 8 times now asking them to please send XXXX  the correct amount of my loans that have been paid. After contacting the XXXX XXXX XXXXXXXX I was put in contact with XXXX XXXX of Navient who after 2 months has not corrected the information. 

I am attached my latest email where I contacted by Navient AND XXXX at the same time showing in plain XXXX and visually exactly what is incorrect. XXXX XXXX XXXX membership department told me to contact customer service. When I called before Customer Service told me to contact the dispute department who told me to contact the Membership Department.
Consumer complaint received 2020-09-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (LA)

Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. 

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX  has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 XXXX to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score. 

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NC)

XXXX XXXX CARD Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX DE This was not me. I suspect a man named XXXX XXXX XXXX XXXX XXXX XXXX. 
Birthday XXXX
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: States Recovery Systems, Inc. (TX)

While living in XXXX, XXXX I received electric service from XXXX ( XXXX XXXX XXXX XXXX  ). On XX/XX/XXXX I requested service be disconnected immediately because I was moving that day to XXXX, XXXX ( outside their service territory ). On XXXX, I received an email from XXXX confirming my move-out request and then did not hear from them again -- no email, no snail mail. 

I never received a final bill. Then, in XX/XX/XXXX, I notice on my credit report that there is a collection for {$330.00} from States Recovery Systems representing XXXX. I spoke with several reps at XXXX and they refused to recind the collection or accept a payment directly. On XX/XX/XXXX I paid the amount in full to States Recovery Systems. 

In XX/XX/XXXX, I disputed the collection with XXXX and XXXX. The collection was marked " paid '' but was not removed as I requested. Since I never received a bill for this, I expected it to be deleted from my credit report but they refused.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (OH)

NEWREZ-SHELLPOINT mortgage account with the account opening date of XX/XX/XXXX as it appears on the XXXX credit report with the amount remaining {$110000.00} was paid off by our new lender, XXXX XXXX, after refinancing. The NewRez sent us RELEASE OF MORTGAGE letter dated XX/XX/XXXX, attached. 
The account still shows up as open, affecting our credit score.
Consumer complaint received 2024-03-11
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. (VA)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have been in constant dispute with Experian Credit Reports since XX/XX/2020. ( Attached are the certified mail for each correspondence since then ) They are showing 3 bankruptcies on my credit report that they claim they are getting from a third party  XXXX XXXX.I reached out to XXXX  XXXX and they did have these three bankruptcies in their data base and it was removed from their data base on XX/XX/2020 as they could not verify these were mine ( because they are not ). XXXX XXXX told me that they will be sending out a dispute letter to Experian and the other two bureaus to remove the bankruptcies as they are not mine. The other two bureaus removed the bankruptcies but Experian claims they are still verifying this through XXXX XXXX I have been in contact with XXXX  XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 and today XX/XX/2020 and they are claiming they have not verified these bankruptcies because there is not way to verify something that is not in their system. I sent Experian my resolution letter that XXXX XXXX sent me on XX/XX/2020 and they received it on XX/XX/2020 showing the items were removed from my report but they informed me that this information was not good enough to remove the bankruptcies because they need to send in another dispute with XXXX XXXX XXXXeel that i have done my due diligence in trying to get a solution with Experian.I am asking your help to resolve this.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

This is a direct dispute with Experian. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XX/XX/2011. they have me listed as a 30 day late in XX/XX/2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XX/XX/XXXX payment, The motorcycle was stolen. the next payment date was XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XX/XX/XXXX. Therefore according to the Credit Reporting resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on XX/XX/XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Experian has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XX/XX/XXXX. I 'm not going to keep going back and forth with Experian, XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Grain Technology, Inc. (AZ)

On XX/XX/2023, nearly a week after declining their updated, fraudulent, terms of service Grain had charged me an {$80.00} annual fee which I had already objected to. After my objection I was locked out of their app so this fee is theft.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

Hello. I submitted an external transfer request from my Citi savings account on XX/XX/23, which I then immediately canceled. Prior to cancelation, I confirmed that if the transfer were to be canceled prior to XXXX, then there would be no debiting from my account and no money movement would occur. That was not the case. Nearly half of my savings was in the " pending '' status for TWO WEEKS! I called Citi multiple times, and nobody was able to help me. After physically going into a branch, they submitted my case to an investigation team. 

The issue with this is : 1 ) The money should have NEVER been debited from my account 2 ) I did not have access to HALF my life savings for nearly TWO WEEKS! I need access to the funds to make a very important business decision. Now, I am late on the investment and am dealing with multiple monetary/logistical issues. 

This should have never happened, and I was never given a reason as to why my money left the account and was pending without explanation for half of XXXX XXXX. This is not fair to me and is incredibly unjust. Since the bank is not willing to help me, I figured it would be best to reach out to you to offer me assistance. I would like accumulated interest returned to me for the two weeks this large sum of money was " pending '' for.
Consumer complaint received 2024-03-11
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2020-09-29
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: Experian Information Solutions Inc. (WA)

I have contacted Experian ( three different times XX/XX/XXXX ( dispute # XXXX, XX/XX/XXXX ( dispute # XXXX and XX/XX/XXXX ( dispute # XXXX ) ) about three accounts but for now this is about two of the three accounts ( XXXX XXXX XXXX XXXX XXXX that I was disputing and requesting " proof of validation and method of verification '' of both debts. After every dispute, I was informed that the account as " Verified to be accurate. '' On XX/XX/XXXX, I contacted Experian and spoke with XXXX and requested to have both accounts removed because despite three written requests, the unverified items still remain on my credit report and my credit scores kept dropping because of this. Ms. XXXX disconnected the call. I called Experian back again ( on XX/XX/XXXX ) and I spoke with XXXX XXXX she spelled her name for me ), I told her the exact same thing, and she told me that " Experian do not remove accounts and that it was my responsibility to get these two accounts verified. '' I ask XXXX " So, you are telling me that Experian will not remove any accounts that are not verifiable? '' She said that the accounts were verified, I then ask her, " Who verified these accounts? '' She said XXXX XXXX XXXX XXXX did, I ask if I could get the proof and she said, that Experian do not have the proof to share with me. I asked XXXX if I could speak with a supervisor and at first she told me that I could after she read me what she said was the LAW. During her reading she said that CDIA new LAWS states that " The 3 Major Credit Bureaus no longer will removed any unverified accounts from the consumer 's ' credit report! '' After listening, I once again asked to speak with a supervisor and she said that there was no one available to speak with. 
I have repeatedly ask for evidence to support their reporting, but yet again, Experian failed to provide me with " ANY VIABLE EVIDENCE SUBMITTED BY XXXX XXXX XXXX XXXX SUBSTANTIATING THEIR CLAIMS. '' I have also requested Experian 's method of verification, and Experian have not complied, which is an additional violation of the FAIR CREDIT REPORTING ACT 611 ( a ) ( 7 ). Experian did NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I do not understand why that I can not get these two UNVERIFIED ACCOUNTS ( that is lowering my credit score monthly ) removed from my credit report.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

In XXXX, the major credit reporting companies falsely reported me being delinquent on my XXXX student loans, however it has been in deferment for the past 3/3/1/2years. This error has caused a negative score on my credit score. I tried to resolve with XXXX last year but they said they can't do anything about it & to contact the credit reporting companies - I filed an online dispute with each of them but it was denied despite me submitting the evidence the account is current and in forbearance for the past few years. On the credit reporting sites, it says I was late 90 days for each XXXX loan, however in the pic you can see the green dots indicate on time, plus I made a payment in XX/XX/XXXX on both loans - please note my forbearance ends in XXXX.
Consumer complaint received 2022-11-06
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX Account Number XXXXXXXX XXXX  Account XXXXXXXX XXXX Account Number XXXX, XXXX Account Partial Account Number XXXX, Has violated my rights. 15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681 Section 623 B Section 2 : The Information is, in fact, still inaccurate.15 U.S.C 1681 section 609 A : Every Consumer reporting agency shall, upon request, clearly and accurately disclose to consumer :
Consumer complaint received 2020-09-29
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. (TN)

i have ask XXXX, XXXX, EXPERIAN to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove
Consumer complaint received 2020-09-29
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: EQUIFAX, INC. (TN)

i have ask EQUIFAX, XXXX, XXXX  to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove
Consumer complaint received 2020-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

My mortgage company : Loan Care failed to pay my taxes for XX/XX/2018. I found out when I got a notice from the lien holder a month ago. I have emailed and called several times and keep getting the run around. I have paid my mortgage on time and thankfully never missed one payment.

I have an FHA loan and am forced to have an ESCROW because apparently they think new homeowner 's can't pay. But obviously the mortgage company can't even pay. And now I have all these fees built up.

DO NOT USE LOAN CARE AS YOUR MORTGAGE COMPANY!
Consumer complaint received 2023-08-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2023, at approximately XXXX XXXX, I logged into my online savings account to try and cancel an automatic deposit. However, I have been unable to do that since that option is no longer available on their site. I called the American Express National Bank, who informed me that the only way to do this is through their cellphone app. I have XXXX XXXX, and by removing this option from there ( which I am able to zoom in and use ), and putting it in an app ( which is not XXXX  accessible ), they are purposefully discriminating against me because of my XXXX  and are preventing me from managing my money.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (KY)

Paid balance to National credit system on XX/XX/28. Was told when making payment that it pulls be removed from credit by after 30 days. Account is still reporting to my credit. Was told account would be removed and report paid in full when I made payment. Please remove!