davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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: JPMORGAN CHASE & CO. (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, JPMCB AUTO FINANC and XXXX XXXX XXXX add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ATKB PORTFOLIO MANAGEMENT, LLC (TN)

Received a call about a payday loan thats over 2yrs old. The caller from XXXX XXXX XXXX XXXX stated they were taking legal action and sending over paperwork to my local county office for legal action. I originally set up a payment arrangement in XXXX, but then my bank started declining the transaction. Called the company I received the loan from were they verified that I was eligible to reapply for a loan with them. Which meant that I had already paid them what was due. On top of calling the real XXXX XXXX XXXX XXXX where not only did they verify that the caller was not an employee there, but the CEO of the company itself said he stopped this business and the name over 3 yrs ago. Its sad during times like these that there are people out there pressuring citizens with legal action to pay a debt. The company that was trying to withdraw from my account was ATKB Portfolio XXXX. And the senior associate that advised that she was sending the documentation over to my local county name was XXXX XXXX. When I tried calling back on XX/XX/XXXX the voicemail went to a XXXX XXXX  XXXX. Which is not XXXX XXXX XXXX XXXX or ATKB. The number that they kept calling me from is XXXX.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

XXXX, XXXX XXXX! 

I'm writing to complain about PayPal for closing my account for no apparent reason on XXXX, XXXX, and refusing to assist me in reactivating it. I'm not sure if this is a mistake, as I think it is. I haven't been able to get support from them in months, but I just remembered I could file a complaint on here because I believe they aren't doing their job properly, and it's affecting me, especially now that the pandemic is spreading and I desperately need the money. It was a bad and stressful experience since it was my first PayPal transaction, but this is what happened. I need to get my balance of {$1400.00}. " XXXX '' is the email address associated with my PayPal account. I'm hoping you good people can assist me with this ; I can't wait another six months, and I believe I am entitled to my money back because it is mine.
Consumer complaint received 2022-06-13
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. (NJ)

In accordance with the Fair Credit Reporting act the following reported accounts have violated my rights : -XXXX  XXXX XXXX XXXX  XXXX -XXXX  XXXX XXXX -XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

Im a victim of identity theft.I dont know my identity has been stolen until my debit card was declined at the truck stop.It was Saturday arround XXXX XXXX XXXX on XX/XX/2021.Right away I did check my account online and I found a big messe, someone steal my personal and identity information and open a new joined account ( under my name and his name ) .I dont know this guy.He make 3 transfer of XXXX ( XXXX each ) from my account to the new one ( the fraud one ) Then he start withdrew XXXX ( 2transaction : XXXX each ). I did not authorized any of those transfers. I called my bank to lock the account and file a claim. I called the credit report bureau to freeze the credit report.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

I went to the bank on XX/XX/2019 at approximately XXXX-XXXX to deposit {$100.00} cash into my account the money acted as if it was getting counted when I inserted it in the machine. It stopped gave me an error message saying to contact my financial institution, didnt give me my money back or any kind of receipt back. I have XXXX XXXX XXXX and I need that medication badly in all out and that was my last {$100.00}. I have PNC Smart Access and fret have been no help
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

In accordance with the fair credit reporting act, Macys Account # violated my rights. 

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 section 604 A section 2 : 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 account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-25
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. (TX)

XXXX  thank you for responding to the CFPB response case XXXX by stating you will not respond because I never get a written response when you state you will mail one to CFPB. I give you permission, any way you and Experian still report this alleged account XXXX XXXX serv. on my credit report and I have contacted all parties XXXX XXXX, XXXX  of XXXX, even the alleged hospital XXXX XXXX XXXX  one will respond to my request not one company this is fraud even the balance changed enclosed are documents that XXXX XXXX XXXX of XXXX, XXXX XXXX all have faulted on the information sent through the CFPB as a matter of record remove this alleged account. AND NO IM not a Credit repair person. be advised that one of these companies as or is under investigation for fraud by Attny GEN Office for billing { fraud } example alleged billing went from XXXX dollars to around 250 dollars now ovXXXX XXXX XXXXs all documented in case file just what ATTNY GEN is after PLUS the HIPP violation XXXX XXXX has committed<alleged debt bal increase out of the blue>
Consumer complaint received 2021-10-22
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. (AL)

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 didnt make sure was reporting 100 % correct. I sent letters on XXXX, XX/XX/21, XX/XX/21 and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX  XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, last verified but the bureaus are saying they verified it, date of last activity, date reported, date opened, closed date, not showing a in dispute status, last payment, and credit limit. 

XXXX  - There are several inconsistencies across all XXXX bureaus- Account #, High Balance, Date of last activity, date reported, date opened, last payment and credit limit. Also, XXXX is showing a late payment after a charge off which is a violation, how am I late if they have sold off the debt? 

XXXX  XXXX There are several inconsistencies across all 3 bureaus- High balance, date of last activity, date opened, dispute status, last payment, credit limit. Also, XXXX and XXXX are showing different days late.
Consumer complaint received 2018-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation (LA)

I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Telerecovery ) on and around XX/XX/2018 which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge as a result of the identity theft. After receiving this information ( Telerecovery ) has not responded and continues to report the unknown fraudulent medical account ( s ) on my credit report ( s ). The account ( s ) are : # XXXX, amount {$310.00}. I also requested that ( Telerecovery ) advise me as to the names and addresses of the health care providers, the name of the patient, medical service ( s ) provided and the reported dates of medical service ( s ). ( Telerecovery ) did not respond to this request either.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Currently on all XXXX and XXXX my car loan is saying account is closed. I`m currently paying on my loan every month and I have the car in my possession. I have been trying for 4 months to fix this problem, Its hurting my credit. I have alerts sent to my phone saying that I missed a payment when I really don't.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LendingUSA (FL)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. 

Id have an excellent repayment record. Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. 

Thank you for your consideration, and I hope youll approve my request. Also request a payoff letter to pay balance off in XX/XX/XXXX. 

Best, XXXX XXXX
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc. (MO)

I have noticed that ADVANTAGE CREDIT/XXXX  have placed an inquiry on my XXXX credit file dated XX/XX/2022. On multiple occasions I requested ADVANATGE CREDITXXXX and XXXX to verify these inquiries. They have yet to do so.
Consumer complaint received 2024-03-01
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. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2022-08-26
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. (TX)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$52000.00}
Consumer complaint received 2022-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-12-12
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. (GA)

On several occasions I wrote to Experian disputing a bankruptcy that they listed on my credit report. They wrote me back and said that the information was verified by XXXX XXXX and the court. I contacted both and the court said that they had absolutely not verified the account. XXXX XXXX removed the account from their report. I provided written proof of all of this to Experian. They could not possibly have done and investigation, because they said that they had verified it again with XXXX XXXX after XXXX XXXX had clearly acknowledged that the information was inaccurate and removed it from their report. 

Experian then made 3 requests for me to prove my identity. I belive that these requests were made just to avoid answering me, because I submitted my identity information with the dispute. I included my driver 's license and social security in my original requests and follow up response. I felt that this was designed to frustrate me and make me give me. But it just doesn't make sense that if they entities that you claim gave you the information either say that they did not or admit that the information was incorrect then Experian can not justify keeping this inaccurate data on my report. 

I believe that Experian is willfully failing to conduct a lawful investigation and stubbornly refusing to remove this bankruptcy listing from my account. It is as if they think that they don't have to meet their obligations and can continue to inflict hurt on me. 

I am requesting that this bankruptcy be removed permanently from my credit report and that I be sent an updated credit report,
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (TN)

Moneylion is taking money out my account monthly however they have reported this to all 3 credit bureaus as a charge off account. The account is still active and they took a payment from me a week ago. When I call the rep 's tell me my account is active but in an " internal collections ''. How is my account charged off and they are still taking payment out my account? If it were in collections a collection 's agency would be in contact with me and that hasn't happened. I feel like they are stealing from me. The account is active and open. Not reporting as a collection 's but as a charge off. Which is incorrect because I'm still making payments and they are still accepting them.
Consumer complaint received 2020-11-06
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: Experian Information Solutions Inc. (GA)

Account Name : XXXX/XXXX Account NumberXXXX Account Type Charge Card Date OpenedXX/XX/XXXX Status Account : charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX After multiple disputes for over 6 months with this company they still have failed to validate this account. I still have not gotten any response in writing or by phone. I even contacted this company to try to settle the debt even though its not mine just to get it off of my credit report. This is negatively impacting my credit which is stopping me to live a quality life.
Consumer complaint received 2020-11-06
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: EQUIFAX, INC. (GA)

Account Name : XXXX Account NumberXXXX Account Type Charge Card Date OpenedXX/XX/XXXX Status Account : charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXX After multiple disputes for over 6 months with this company they still have failed to validate this account. I still have not gotten any response in writing or by phone. I even contacted this company to try to settle the debt even though its not mine just to get it off of my credit report. This is negatively impacting my credit which is stopping me to live a quality life.
Consumer complaint received 2021-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I received poor information from the customer service at Navient regarding my FFELP loans that financially benefited Navient and harmed me financially. I have been paying my loans for over 20 years ... paying interest. During the years, they recommended that I put my account on forebaranc and pay interest only. The information I received directed me to pay off the interest, rather than the principal. 
My loan was consolidated into two loans : 1. I borrowed {$17000.00} and have repaid a total of {$17000.00} ( {$12000.00} in interest ; {$5400.00} in principal ). I currently owe {$14000.00} on this loan..

2. I borrowed {$24000.00} and have repaid a total of {$24000.00} ( {$20000.00} in interest ; {$4200.00} in principal ) and still owe {$20000.00}.

The poor information I received after I graduated my MA program in Social Work disadvantaged me and has put me in a position where I have repaid my loan in interest, and still owe in principal. 

Also, Navient makes it incredibly difficult to find account payment and messages on their website. Their telephone representative couldn't show me ( online ) detailed information on my loan, individual payments, when they were paid, etc.
Consumer complaint received 2022-07-21
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. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that 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 that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. XXXX XXXX reporting guidelines state : Accounts reported in error must be deleted. 

The Credit agency stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they violated my rights under : 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 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXXXXXX XXXX XXXXXXXX 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 have 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