davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-05
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)

AS PER MY LAST COMPLAINT IF YOU GUYS DO NOT FULLY INVESTIGATE OR SHOW ME PROOF THAT I HAVE AUTHORIZED THIS INQUIRY MY NEXT STEP IS TO TAKE LEGAL ACTION. I IN NO WAY SHAPE OR FORM GAVE ANY AUTHORIZATION FOR THIS COMPANY TO CHECK MY CREDIT OR LEAVE A INQUIRY ON MY CREDIT REPORT, THIS INQUIRY SHOULD OF NEVER HAPPEND. AS I DO HAVE A FRAUD ALERT NOW ON MY ACCOUNT. YOU DENYING MY REQUEST IS ILLEGAL AND IS YOUR DUTY AS A CREDIT REPORTING AGENCY TO SEEK OUT A FULL INVESTIGATION WITHIN 15 DAYS OF THIS COMPLAINT. I HAVE ALSO CONTACTED THE INQUIRING COMPANY AND THEY SAY THEY HAVE TO APPLICATION OR ANYTHING IN MY NAME If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. WITHIN 15 DAYS OF MY COMPLAINT. MY NEXT STEP IS TO BRING LEGAL ACTION AGAINST YOU COMPANY FOR NOT ACTING ON MY REQUEST FOR AN INVESTIGATION AND NOT PROVIDING ME ANY DETAIL. ONCE AGAIN I DID NOT AUTHORIZE THIS INQUIRIY IS EITHER FRAUDULENT OR UN AUTHORIZED OR A ERROR IN YOUR SYSTEM I would like to be provided proof I consented to this inquiry via FCRA section XXXX and XXXX as well as the accuracy of this inquiry via FCRA section XXXX. If you have no proof immediately of any or one,  I would like it removed immediately By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report I have summited the inquiry here
Consumer complaint received 2018-09-03
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. (NJ)

Over the past 2 months I have tried to have my creit locked due to identy theft and credit buros did not, lock my credit resulting in almost 50 inquires and XXXX refuses to remove and account that was a result of identity theft The fradualnt acount is XXXX XXXX XXXX  for {$120.00} The fradulant inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX XXXX   Direct to Consumer Report XXXX/XXXX Promotional Inquiry XXXX  ID Report XXXX Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX ID Report XXXX XXXX/XXXX ID Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX Prequalification for Credit Card XXXX Promotional Inquiry
Consumer complaint received 2018-09-03
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (CA)

XX/XX/XXXX and XX/XX/XXXX XXXX XXXX report to my credit bureaus. I was 90 days and 120 days past due when I was in fact only 60 days past due accordingly to my online account with them. I did contact them I was told unfortunately they where unable to fix the account once reported I find.that hard to believe. I currently pay on time and when if cant they give me forbearance and deferments. On my credit report it shows XXXX XXXX XXXX current and then all of a sudden XXXX 90 days past due and I spoke to them in XXXX and got approved for forbearance then all of a sudden XXXX 120 days past due makes no sense that they report current then jump to late and refuse to fix. I attached the copy from XXXX XXXX showing I was approved XX/XX/XXXX to XX/XX/XXXX. Per there documents
Consumer complaint received 2019-05-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

Thank you for your recent contact dated : XX/XX/2019. 

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit AgreemenXXXX ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am submitting this complaint to express my frustration and disappointment with the way my account has been handled by Capital One and XXXXDEPT OF ED. Despite never being late on any payment and diligently communicating with the creditor and the credit bureaus, my credit report contains inaccurate and damaging information that has affected my ability to obtain credit and loans at reasonable rates. 

Specifically, my credit report shows that I have been late on payments or have not paid my account, which is not true. I have always made payments on time and have evidence to support that, including bank statements and payment receipts. Moreover, I have sent multiple letters to the credit bureaus and the creditor, disputing the inaccurate information and requesting that it be removed or corrected. However, to date, no action has been taken to rectify the situation, and my credit report continues to reflect false information. 

This situation has caused me significant stress and inconvenience, as I have been denied credit and have had to pay higher interest rates due to the inaccurate information on my credit report. I believe that the creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations, and I request that the CFPB investigate this matter and take appropriate enforcement action to ensure that the creditor complies with the law. 

I appreciate your attention to this matter and look forward to your prompt response. Please let me know if you need any additional information or documentation to support my complaint.
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc (TX)

Possible has provided no physical way to pay my loan off. They are utilizing an old debit card they are refusing to let me change, and have no way of changing in the app or on the website. They do not have any way to verbally contact them. The number they provide in your credit report, that they continue to report to even though you cant contact them to pay it off, goes to a recorded line that tells you they do not actually have anyone to talk to, you have to go online and email them. If they expect anyone to provide any personal info especially a debit card over email is violating our rights. Not allowing us to pay our loan back is violating our rights. They also only use a third party platform called XXXX to use bank accounts to pay. This XXXX platform does not support my bank that is a state bank in which I do all my other banking through and receive direct deposit. Theyre getting reported to the XXXX  They have the chance to fix this and receive my money to pay off my loan, or they can decide to continue to violate consumer rights, get reported, and excuse my loan. All major credit bureaus will be aware of the fraudulent activity.
Consumer complaint received 2022-07-10
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Dear CFPB, For the past 2 years, I have continuously disputed the inaccuracy of various items being reported within my consumer profile with Lexis Nexis. Lexis Nexis has always verified the disputed items as accurate. I have even submitted proof of the inaccuracy information and Lexis Nexis refuses to correct or remove the inaccurate information being reported against me. I have now come to you for help with this problem. Lexis Nexis reports me as being a female when Im a male, they report me as being a SR when I have no children named after me as well as incorrect addresses and unverifiable public records information. I am afraid that Im a victim of a mixed or merged credit profile. I have conveyed these concerns in writing to Lexis Nexis and they continue the o report the inaccurate information. For example, the public record is listed in my consumer report but has another persons ( XXXX XXXX XXXX ) as the listed person under the bankruptcy section. This is a violation of the FCRA. I am asking for the immediate removal of all public records and a {$1000.00} fine per inaccuracy being reported. 

I am also requesting that Lexis Nexis Please send an updated consumer report with the updated information within 30 days. Failure to do so will tie my hands to file court action with the Federal Court. 

I am also attaching proof of my current address as well as proof of the inaccuracy public record being reported. 

Respectfully submitted, XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2018-09-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NE)

I borrowed $ XXXX, I have already paid $ XXXX however my balance is stil {$29000.00}. 

I never received amortization chart and I never received the complete payment history I asked for. 

I feel this was predatory lending and I want to sue them. This should be illegal.
Consumer complaint received 2024-03-05
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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. 
XXXX XXXX XXXX XXXX! 
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America credit card XXXX XXXX XXXX XXXX fraudulently charged me " late '' fee of {$2.00} even though I paid them {$230.00} as required under their statement. See attched statement.
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (GA)

The llc company XXXX XXXX has reported a debt that is past statute of limitations from XXXX XXXX. I want validation and removal of this debt from my credit report. And all copies and documentation forwarded to me. Again, this company is commuting fraudulent activity by reporting fraudulent information on my credit report, which effects the quality of my life. I expect the removal and full validation and investigation within 30 days. 


Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kenneth, Eisen & Associates, LTD. (OH)

I received a correspondence from a company I do not recognize ever having done any business with nor have I enter into any contracts with KENNETH , EISEN & ASSOCIATES , LTD . I have never receive any notification 30 days prior to being reported to the credit bureau. I fail to receive any documentation showing any transfer title of ownership between from the original creditor to KENNETH, EISEN & ASSOCIATES , LTD. under Ohio Revised Code Title [ 13 ] XIII COMMERCIAL TRANSACTIONS - OHIO UNIFORM COMMERCIAL CODE Chapter 1319.12 Taking assignment of debts, I fail to see anything that would show they are in compliance with OHIO LAW.I declare Myself competent. I am not a Corporation or a Public Entity.As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, KENNETH, EISEN & ASSOCIATES, LTD. are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.
Consumer complaint received 2018-09-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

Our mortgage servicing was transferred to Loancare in XX/XX/XXXX. 
We have had our mortgage for 5 years and pay via EFT. Since transfer of servicing, our payments have not been applied on the day they were received by the Servicer. ( See Enclosure " B '' for detailed schedule of delays ) We called Loancare several times and contacted them via their website twice and could not receive an explanation as to the delay or resolution. On one occasion, we were told by a Loancare employee that Loancare had no obligation to apply our payments until they process them, no matter when they are received. One of our online contact attempts was closed without answer. Receiving information was impossible via the means usually relied on by consumers.

We sent a formal letter of discrepancy asking for resolution. ( See Enclosure " A '' ) We received a response from Loancare dated XX/XX/XXXX stating that because our EFT payment has the prior loan number attached, they did not and will not apply our payment on the day they receive it. Instead, our payments have been and will be applied on the day that a Loancare employee looks up our loan number. ( See Enclosure " C '' ) We believe Loancare is in violation of CFPB rule 15 USC 1639f ( a ) and/or any other rules that apply to the proper crediting of mortgage payments received by a mortgage servicer.

1-Loancare has confirmed the dates of our payments are known to them 2-Loancare states they will not apply our payments on the day they are received but only after an employee looks up our mortgage number.

3-This gives Loancare no impetus to look up mortgage information for such payments 4-We do not agree with Loancare holding our funds as theirs and not reducing our mortgage balance while they look up a loan number.

5-We have taken reasonable steps to identify the error and were only able to receive meaningful information after sending a letter of discrepancy.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

I contacted over 4-5 times over a year by mail also provided them with the Identity theft and police report and after several attempt they agreed to remove the information and block my report. I tried to open a new checking account and I was notified by the bank that my application is denied because of the information on my early warnning report and also too many inquiries on your EWS report. It was my first tine applying and shouldnt have tok many inquirues report and not sure what information they have added to their file but since I was a victim a identity theft and previously had account reported under my information and is possible new activities added to my report. 
I previously notified by early warnning that they block my report and supposedly it prevents new activity but looks like they still contain some information on their report that Im not aware of and it prevented me from openning a neq checking account.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

On XX/XX/XXXX I filed a fraud claim with HSBC XXXX XXXX  for unauthorized charges on my debit card for some international charges from a merchant named XXXX in the amount of {$1900.00}. I spoke with the fraud department on XX/XX/XXXX and was told I would be issued a provisional credit within XXXX to XXXX hours. Days later I contacted the fraud department again and I was told that the credit was canceled and that they had reached out to the merchant and I had to wait until the merchant responded which can take up to 45 days. I asked why had the credit been canceled and agent could not give me an answer. Since then I have called several times to speak with a supervisor from the fraud department and I continue to get the same answer, which there is not one available and that I would get a call back from a supervisor. I have never received a call back! I have XXXX payments declined, and I have had to now switch direct deposit to another bank because this inconvenience. I was finally able to get in contact with an supervisor from the fraud department today, XX/XX/XXXX. The supervisors name was XXXX, and he told me that the credit was never issued on XX/XX/XXXX and that I had to wait for the merchant to respond. That is completely untrue because I have spoken to several agents which all showed in the notes that the credit was issued then pulled.
Consumer complaint received 2022-07-10
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. (NJ)

I just got an email about my credit score significantly dropping, I havent checked my credit score in awhile since I purchased my car a little over a year ago, and before my credit score was at XXXX. As of now it is currently XXXX and that is because 2 credit cards were opened up in my name. One was an XXXX card, one was a chase card. The XXXX  card is currently at XXXX $ charged and the chase bank account is at XXXX XXXX I have not contacted either entity yet because its XXXX oclock at night and theyre closed currently. I am XXXX and am not exactly sure what to do from here or who to contact besides both banks. Im always on time paying towards both my XXXX  XXXX credit cards. I dont own any other credit cards besides those two.