davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (IL)

On XX/XX/XXXX AES /NCT raised my rate again. This was 100 % retaliation for me opening CFPB claim on them. The last time rates went up they coincided we Fed rate hikes. This was not. Not only was this retaliatory but fact they keep raising the interest is artificially raising my payments to insane level. To date on my XXXX loan I have already paid {$54000.00} in interests alone with XXXX still left to pay. This has to be illegal. This is just the same as a payday loan place. We need some consumer protection on this issues
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

FCO has been filing an outstanding balance to the credit bureaus, since XXXX and tarnished my rental history report, preventing approval for an apartment rental. FCO claims a balance due of {$8300.00} from XXXX to XXXX. FCO was advised of my dispute and explained, the charges are erroneous. The FCO representative refused to remove it from the rental history. The said charges are false, fictitious and erroneous. XXXX XXXX apartments did an illegal eviction on XX/XX/XXXX. This all began when XXXX XXXX rumored that an unauthorized person was living in my apartment. I immediately denounced it and called the rental/ management office and insisted that they inspect the apartment. They advised that someone would inspect the apartment. However, the inspection never happened. Soon following, vacate and lease termination letters ensued and locked online tenant account, preventing online payments. Under duress, I adhered to the correspondence order to vacate the apartment. I am unable to secure an apartment today and experienced homelessness due to FCO 's rental reporting practices. FCO continued to report a balance of {$8300.00} with the credit bureaus over the years. I've contacted FCO several times ; after receiving the rental denials. I was advised by FCO that I must pay the balanced to remove it from rental history. The ledger provided by FCO is fictitious, false and erroneous. Please assist me with this issue for resolve. Please advise, if you need additional information, I would be happy to provide it you.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (GA)

CREDIT REPORT INQUIRY REMOVAL I have written this letter to dispute a Credit Inquiry that is falsely listed on my credit reports. 

Company Inquiry Reported To : XXXX XXXX XXXX Date of Inquiry XXXX XXXX I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting that it be removed. I have already submitted a request for removal to the company directly more than 30 days ago, and the Inquiry is still being reported on all three of my current Bureau Credit Reports. 

This is my official request to have the aforementioned item to be deleted off my consumer report.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (SC)

I paid this credit card collections debt that was owed as a pay to delete, but my credit report is still showing the account is still derogatory instead of being removed from report which was discussed before paying that it would be when debt is satisfied. The account was paid and I no longer owe any debt to the collectors.
Consumer complaint received 2020-08-13
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. (CA)

I'm sorry but I have to file another complaint against the credit bureaus even though I just filed one last month. I mean seriously guys XXXX! The credit bureaus response to me after letting you know they didn't address my dispute letters since XXXX is to tell me to " Please be specific with your concerns by listing the account names, numbers, and nature of the dispute. '' Is this a joke? And that is only the credit bureau that responded. The other two haven't! I submitted two different letters to each bureau with very specific disputes and concerns. I'm uploading them so you can have proof. This is yet more proof that the credit bureaus are just ignoring me and treating me like some XXXX XXXX. I want these accounts deleted NOW! The credit bureaus already had their 30 days times 3 and almost a fourth time.
Consumer complaint received 2017-08-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

I logged into my XXXX XXXX this morning trying to keep track of my score because I am in the middle of getting a Mortgage. I noticed Midwest Recovery Systems on my report. In drilling down it says XXXX XXXX as the origional creditor. I have Never had a loan from these people and I do not believe they are legal in my state anyway.
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MS)

Santander Consumer USA.XXXX 
It has the wrong account balance. The report balance on my credit reports shows {$11000.00}. The online portal shows {$10000.00}. The information that is reported on my credit report inaccurate. CFPD and the credit bureau has claimed that the validated the balance which was not true. The is a federal violation. I demand this debt to be removed. Otherwise, I will have to legal actions with my attorney to get a resolution.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I have sent three letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (CA)

I do not have a nordstrom account. I never had one. I do not know how this happened or why? I did not or have not applied for a Nordstrom credit card. 

I received a letter from XXXX XXXX XXXX  Reference number XXXX Claiming I owe {$230.00}
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SOFI TECHNOLOGIES, INC. (CA)

An unauthorized charge was posted to my Sofi Credit card account on XX/XX/2023 in the amount of {$8300.00}. I contacted Sofi customer service the following day to dispute this charge on my account explaining to them that it was not me who authorized or made this purchase and that it was fraudulent. They removed the charge from my account. So I assumed the case was over with and closed. A couple of months later on XX/XX/2023 they put the charge back on my account stating that my personal phone number had a contracting company listed under it ( my fathers old retired business and company ) ( XXXX XXXX ) the company that had placed this fraudulent charge on my account was also a construction company XXXX XXXX construct. I tried to explain that I had never heard of XXXX XXXX XXXX and that the two were unrelated. I even filed a police report with my local police department ( XXXX Police Department ) and sent Sofi a copy of the report. After that they stopped responding to my emails and phone messages. I have had a very bad customer services experience with Sofi and this matter has been ongoing and unsuccessful the entire situation has left me and my family very financially constrained and stressed. I would really appreciate any aid or support I could receive from your assistance. It would be greatly appreciated. 

Thank you.
Consumer complaint received 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY all not mine filed to ftc XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms 1 Months On Record XX/XX/XXXX Payment History potentially negative icon Potentially Negative StatusCollection account. {$1500.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1500.00} Date XXXX Dispute Revolving Accountsshow tooltip button XX/XX/XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$440.00} Date XXXX Dispute XX/XX/XXXX/XX/XX/XXXXXXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance- Date XXXX Dispute Installment XX/XX/XXXXtooltip button XX/XX/XXXXXXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$940.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$24000.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. 
Account TypeCell Phone Balance- Date XXXX Dispute
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (GA)

I received a debit card for my federal unemployment two weeks ago. I have been approved and requested weekly payments in which dates back to XXXX. Although last email stated approved and start requesting on XX/XX/2020, I've had a XXXX  balance the entire time. After being a victim of identity numbers stolen, i.e. S.S. #, D.O.B., etc, I simply would like to know if this was the only card issued. I have not received any call backs from the state or any answers. Please help. Sincerely XXXX XXXX.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

I do not have a XXXX  account. I never had one. I do not know how this happened or why? I did not or have not applied for a XXXX credit card. 

I received a letter from Dynamic Recovery Solutions Reference number XXXX Claiming I owe {$230.00}
Consumer complaint received 2020-08-13
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: EQUIFAX, INC. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names address and accounts not mine filed to FTC XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$440.00} Date XXXX Dispute XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$450.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (NC)

Good evening, I am writing to dispute some information that has appeared on my consumer credit report. 

About three weeks ago I was contacted by credit bureaus due to a change in my rating that reduced my credit score by XXXX points. It appears that Dovenmuehle Mortgage has reported that my thirty year fixed rate loan has been increasing by over {$4000.00}. 

My loan is in forbearance and as per Accommodations under The Cares Act and XXXX XXXX regulations, the overdue amounts are not to be reported to credit bureaus since they will be eventually either be paid in full, paid in installments or added to the end of the loan. 

Please see below for Cares Act regulatory language : As defined by the CARES Act ( referred to as an accommodation under the Act ), your servicer or creditor is required to report your account as current. 
Consumer Finance Protection Bureau Therefore, as per regulation, creditors are to report the account as current and in good standing. I have contacted Dovenmuehle via telephone and email on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/2020 but have received no response. Since my last attempt to reach them ; the company has yet again added additional charges that seem like an increase on my loan or a delinquency. 

Unfortunately, my family has suffered loss of income and salary, have contracted XXXX ( XXXX  included ) and are struggling to make ends meet. Therefore, at this time, my credit score and credit line is extremely important because it can help us pay for groceries and support us in staying afloat financially. This situation is placing further financial hardship in our lives. 

My hope is a resolution that will include a withdrawal of this information from my credit reports since it is indeed erroneous ( and perhaps illegal ) as defined by The Cares Act, XXXX XXXX and XXXX XXXX 

Thank you so much for your time and support in the matter. I appreciate your help. 


XXXX XXXX XXXX
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CO)

On XX/XX/2024, I initiated a wire transfer of {$7000.00} from my XXXX XXXX XXXX checking account to my cousin 's Wise account ( Wise.com ). In the transfer memo, I truthfully stated that the money was sent by his mother from XXXX in cash, and I intended to wire transfer it to his account. However, the wire transfer was flagged and subsequently blocked by Wise due to sanctions against XXXX. Despite our efforts to follow up regularly, the transfer has not been refunded after XXXX weeks of waiting. My cousin, who is a XXXX urgently needs the money for his XXXX. Despite his persistent calls and emails to Wise twice a week, they have only provided vague assurances that the refund is being processed without offering any concrete details on when it will happen. His parents worked diligently to save this money and send it to him, and we are unsure how to proceed in getting it back from the Wise bank.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (MS)

I have almost finished paying for my car and it is giving me a lot of motor problems and other issues so I would like to pay in full and get it fixed and close my account with the company that financed it I asked them to drop some late fees and let me pay the evening number XXXX XXXX dollar and close my account with them and they are giving me the ran around I have been waiting 3 days on a response the financial company said they would help me in anyway possible to pay my loan off now the given me the ran around
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (OH)

According to the company, I owe a credit card debt for {$1000.00} dollars that I have told them numerous times it was opened fraudulently. They will not share the account number with me when asked so I can file a report with the FTC. I was notified by a CSR that the account was paid through web payments through a bank I have never had and was sent to addresses Ive never lived at along with unknown phone numbers associated with the account. I was told this week that they can not investigate any more and that I am responsible for the account which was opened in 2017. The account is a collection account on my credit report and has negatively impacted my score and ability to obtain loans/credit. I have called and explained what I wanted done with the account numerous times and they have told me they will investigate but still have not had the resolution I am looking for. I was supposedly mailed several statements that I requested but they never showed up so that I can see transactions and account number.
Consumer complaint received 2024-04-15
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: Consumer Portfolio Services, Inc. (IL)

Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

The debt relates to an XXXX & XXXX XXXX  bill. Original amount owed : {$250.00}. Settled in full for {$160.00} XXXX XX/XX/XXXX ). 

I was contacted by XXXX XXXX XXXX about this early this year and I settled the account with them and it was considered PAID, SETTLED IN FULL, on XX/XX/XXXX. 

In XXXX I received a notice from a second collection agency, I.C. SYSTEM, making demand for the balance ( {$90.00} ). 

I called I C System and sent them proof that XXXX XXXX agreed to a reduced settlement. 

Today I received another notice from I C System, demanding the unpaid balance, claiming that I still owe it. 

This is affecting my credit. Both these companies have used deceptive tactics with me. I paid once, and I have a letter saying it was settled. Why should I now have to deal with yet another collection company. They won't talk to each other and they are not accepting the proof I sent!