davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (OR)

I called HESAA in New Jersey XX/XX/2018 about a late bill I got for my student loan. It had been in deferment with XXXX. XXXX sold it to HESAA and HESAA never sent a payment voucher and put me in default. I began payments right away and was told by the HESAA agent that 4 consecutive payments would remove the default status. I called yesterday to check the status as I am close to the 4 payments, and after their phone system disconnected 6 times I got an agent. She said the loan will never go out of default even though my payments are current. I was told a lie. And this makes no sense to me a stops me from applying for grant money.
Consumer complaint received 2022-03-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

All the funding I have access to is owed to the United States. The way I pay what I owe is by paying people for their goods & services. 

Middle man JP Morgan decided to enrich itself by stealing then lying to everyone. 

The bank expects you the CFPB to do nothing about it. 

Since JP Morgan decided to steal then lie, I chose to I document everything to show the Attorney General & White House.

44 asked questions. 45 didn't care 46 wants answers.
Consumer complaint received 2020-12-22
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (IL)

The issue began when I was unable to log into my credit card account online.

The credit card was for a store that went out of business ( XXXX XXXX ). The site was repeatedly down so I was unable to make a Payment. I sent an email to the help desk more than once and did not receive a response back. I started receiving missed payments on my credit card but felt that XXXX XXXX should amend before I paid off my account because their website had been down.

Instead XXXX XXXX called my relative instead ( Mother ) who is not a co-signer or joint card holder. We do not even share the same household or phone number. I am unsure how she was even tracked down. The person who spoke with her shared confidential information and asked for my new cell phone number, although they have my current address on file. I was left a voicemail that I have saved, in which I was advised by XXXX XXXX to have an attorney return the call. I'm unsure as to why they are advising me to obtain legal counsel for a debt of {$200.00}.
Consumer complaint received 2022-03-05
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: OPORTUN FINANCIAL CORPORATION (NY)

i received a letter in early XX/XX/2022 from both company oportun and XXXX stating that my application for a credit card was denied. I have never requested or made a credit card application to either company.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXX-XX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XXXX XXXX XXXX   Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION.

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 ) THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 ) KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF XXXX XXXX INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

I did a pay for deletion with Victoria Secrets and the vendor agreed to do a pay for deletion and remove the charge off from my credit report due to me settling the account. I settled the account for {$470.00} on XX/XX/14. This is still on all 3 reporting agencies even though they agreed to remove since i settled the account. I contacted them 30 days ago and they have not responded to my letter I sent 30 days ago, or responded to my email or received a call back from a XXXX like I was told.
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

Credit Systems the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (PA)

This company continues to place negative, derogative, new and recent payment notifications on this account this account. I have been disputing continuously since XX/XX/XXXX. They have placed charged off new activity in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

How does a charge off account that was sold to a collection agency have late payments, past due amounts and balances and they probably filed an insurance claim for this loss also? 

I contacted this company and they ignore my request and refuse to correct the inaccuracies on my credit reports. 

I filed a dispute with the XXXX, XXXX  and XXXX they have not been any helped. 

I filed a dispute with the CFPB in re of XXXX, XXXX or XXXX   not disputing this account that is not being reported with 100 % accuracy. 

I am requesting that you tell XXXX XXXX to correct the inaccuracies on my account or delete this inaccurate account.
Consumer complaint received 2022-06-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - NUMBER 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.

( 30 ) DAYS LATE PAYMENT REPORTED TO ALL 3 CREDIT REPORTING AGENCIES
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company (VA)

I have two mortgages with JG Wentworth. I need copies of my most recent statements for each mortgage for a refinance I am working on for my primary residence. I spent the better part of the day XX/XX/18 simply trying to get someone on the telephone. I probably spent about an hour trying to research the correct phone number after trying many and being told I was in the wrong department, another hour on hold, and a final hour arguing with various JG Wentworth representatives who were unable to assist me. At one point I had a representative assure me after asking many security questions and confirming my email address that she would email me my statements, but she never did. I have checked all spam and junk folders. I still do not have my most recent statements and I have no idea how to resolve this situation. My request is for the most basic service with respect to my loans - if JG Wentworth is unable to provide such service, they should not be in the lending business.
Consumer complaint received 2020-12-16
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)

On XXXX, a letter was sent regarding in accurate and unknown things on my credit report its been 45 days later and no response received. them people are I feel like are taking advantage of me and they are really really ignorning my dispute. What I do know is that Section 611 ( a ) plainly stated that a failure to investigate these items withn 30 days they have to immediately remove those items from my credit report. This has caused me have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. It has bee over 45 dys so they should be deleted now. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me and my family. My information was also impacted by the XXXX  data breach and my have gotten in the hands of the wrong person like scammers.
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2022-06-18
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: CITIBANK, N.A. (WA)

I had a Best Buy credit card with XXXX $ credit line.I found my credit card was stolen and used for some purchases. 
I reported to Best Buy credit card and also disputed on 3 credit bureaus. 
Best Buy closed the account and removed all debt on my account, but after couple months it is showing I have XXXX $ balance!!!. 
I would report it to you and ask for help because it is hurting my credit.I never had any missed payments or problems with any credit card other than the Best Buy!. 

Sincerely XXXX
Consumer complaint received 2018-05-18
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. (IL)

Experian has re-inserted negative information on my report that has already been deem fraudulent and has been removed. They are in violation of the law. The following accounts are not mine and need to be removed : 1. XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX # XXXX
Consumer complaint received 2023-03-24
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: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/XXXX I sent Navy Federal Credit Union ( NFCU ) a certified letter via XXXX [ tracking number : XXXX ] disputing memberships and accounts that were opened and obtained fraudulently by a former roommate. It has been over 30 days and Ive received no correspondence from NFCU in regards to this matter. I sent evidence showing my established residence at the time of when the membership was obtained. Proof of residency in the state of Tennessee and not Georgia. Police report from the XXXX Police Department. 

NFCU has exuded gross negligence in failing to properly investigate this claim. NFCU also sold these accounts to XXXX XXXX XXXX ( see attached document ) after I reported the debts to them as fraudulent which is a violation of several consumer protection laws and regulations.
Consumer complaint received 2022-03-05
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. (AL)

In accordance with the Fair Credit Reporting act, US Department of Education/ account # XXXX, US Department of Education/account # XXXX, DEPT OF ED / XXXX- account # XXXX, and XXXX XXXX XXXX # ( not shown on consumer report, and only reported on 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
Consumer complaint received 2018-12-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc. (PA)

I contact them numerous time to correct the inaccuracies that are on my credit report. 

I contacted the 3 major credit bureaus to dispute these inaccuracies. 

They keep placing new negative notations on this account monthly. 

This account is actively being disputed and had been being disputed nonstop since XX/XX/XXXX. 

They failed to provide me any verification documents. 

They keep ignoring my requests.
Consumer complaint received 2022-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a consumer by law this was not sent in error. my information was misused and I still have an account on my report that I have sent multiple letters and FTC reports in to be removed an account i recently sent was deleted but the other still remains, so what is being reported is not 100 % accurate. XXXX was removed but XXXX XXXX still hasn't
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Dynamic Recovery Solutions, LLC (CA)

I had received a letter from Dynamic recovery solutions regarding a credit/ debit bank account that was supposedly opened under my previous name XXXX XXXX XXXX XXXX a bank in Nevada which I in fact NEVER had opened. I called the bank explaining the collection letter I received, they had searched high and low using my social security number my married name and my maiden name all which could not be found anywhere in their system..what I was told was to contact the XXXX and explain my situation and how these letters are trying to impersonate a company by saying they had an account when In Fact no such account has been opened and they are asking for the customers to repay the banks back giving discounts if we could pay back the money by a certain date.. I have not not will I pay anything to these scammers
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (AR)

In XXXX when I lost my job I got behind on my student loan at ACS/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by ACS when I made 9 consecutive payments. I was also told that the 120 late finding would be removed. I made the payments and then the loan went back to the regular lender. However the 120 late fee was never removed after many requests. Finally in XXXX the loan was consolidated by XXXX. However ACS still will not remove the 120 late fee. Recently, while checking my credit report I saw that ACS XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same time?
Consumer complaint received 2022-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

The company XXXX made a deal with the property owner it would pay all the debts if I moved out by XXXX and I moved out and they still charge me {$1500.00} by making up stuff about apartment thought I overstayed charge me late fees fixer up fees Etc what they did is Criminal they make up stuff and lie about it and I have to pay for their criminal activities. I will not be taken advantage they should be charged criminally in court
Consumer complaint received 2022-03-05
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act, US Department of Education/ account # XXXX, US Department of Education/account # XXXX, DEPT OF ED / XXXX- account # XXXX, and XXXX XXXX XXXX # ( not shown on consumer report, and only reported on Equifax ) 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
Consumer complaint received 2018-12-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (FL)

security credit services placed a collection account on all three of my reports and at first had the date and amounts wrong, I disputed this and it was changed but the original creditor had been deleted a couple years prior, then just this year this collection co. appeared, I have demanded that they be deleted but havent been as of today. This account would be 6 years old today by the original creditor, I cant see what the collection agency has listed.
Consumer complaint received 2018-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have reach out to transunion about a account thats showing up on my credit report with someone else name on its not my information I ask them to delete it and they still wont delete it
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I use a program for my XXXX  business. This program allows me to sync transactions to keep track of expenses and run my business in an organized fashion. The program is XXXX Capital one is blocking me from using the external application. This is a sudden change as it was working flawlessly. 

It is my personal information and I deserve the right to use it. 

This needs to be fixed.
Consumer complaint received 2022-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MO)

XX/XX/XXXX XXXX informed me about a personal loan in the amount of {$620.00}. The information they had was from a previous employer back in XXXX. There was no loan taken out by me personally at that time or ever. The company instructed me to file a claim with the government site XXXX I made an account and filed a claim stating that this was identity theft and was created without my knowledge. Now on XX/XX/XXXX I am still trying to get this taken off my credit.
Consumer complaint received 2022-03-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

on XX/XX/21, I wrote XXXX, XXXX, and Equifax regarding inquiries and verification/validation of debt. I do not believe the bureaus responded in a timely fashion, and I haven't received the requested information within the letter sent ie original contract with my signature on it. Please see attachment letters.