davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Lender Inc (GA)

The self lender account that was open on XXXX XX/XX/XXXX was open fraudulently I did not authorize this damaging account on my report or near did I apply for a installment loan with self lender because I wasn't aware of self lender at time I was not checking my credit report or I haven't had alerts enable to receive updates on my credit report so I was unaware what was going on with my credit report file I am 100 % sure that this account was opened by a mistake XXXX XXXX is a very very popular name or my Social Security could have been compromise on on a fake website And I am writing to assist with this credit report disputing process to get this damaging report off my credit file that stoping me from being financially stable at a early young age I disputed within 30 days haven't heard anything after 30 days with XXXX according to the Credit Reporting Act each and every credit bureau has 30 days to reply to your credit dispute inquiry if failed to do so employees of TransUnion failed to do their job that can result in lawsuits so I am requesting that this damaging fraudulent dispute be removed from my credit file To be specific 1 self lender account is currently open as of XXXX on my account that I am aware that I authorized. 

XXXX XXXX lender account is currently closed as of XXXX that I did not authorize and was not aware of this account.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (CA)

There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there.
Consumer complaint received 2023-03-22
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: DISCOVER BANK (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX  XXXX
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

I have spoken to company, Bayview Loan Servicing , LLC. about this incorrect information on my credit report on or about XX/XX/2018 also sent an email on the dated XX/XX/2018.This information was sent to ATTN : Customer Service and XXXX XXXX my account representative for # XXXX. 
Bayview Loan Servicing stating that the company has decided to make XXXX XXXX XXXX XXXX, ( who is primary on this loan ) to make myself XXXX XXXX XXXX ( second position ) co-equal on this loan as of XX/XX/2018. Bayview has put a {$19000.00} arrears on my credit report although I have been making consistent payments on this property for over 10 years, but there is not foreclosure on property. 
I hav n't received a payment coupon book in 10 years for this loan. The interest is 10 % on this loan. My loan was at 2 %, what happened? 
I believe this was done out of retaliation due to me refusing to refinance the loan with this company after, XXXX XXXX asked me four times in the same phone call. 
Thank you, XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The credit bureau refuse to investigate or give me a credit report on the status of my disputed accounts 1. XXXX XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax  has not updated all my accounts,   XXXX   XXXX   has a balance of {$290.00} and has since been paid before due date of XX/XX/XXXX  and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.   XXXX   XXXX   confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY INC XXXX XXXX
Consumer complaint received 2020-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

We faxed them a dispute on XX/XX/2020 and they keep saying they dont have it and wont help in anyway according to the law it should be deleted
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I WAS A VICTIM OF ID THEFT AND THE ACCOUNT WAS OVERDRAWN I WAS NOTIFIED BY CHASE BANK TO PAY THE FUNDS WITH SECURE MEANS IN WHICH I DID I WAS THEN TOLD TO WAIT FOR 6 MONTHS APPROXIMATELY AGAIN IN WHICH I DID I WAS ABLE TO REOPEN THE ACCOUNT AND NOW ITS CLOSED THE ACCOUNT NEVER WENT BELOW NO BOUNCED CHECKS NOTHING ADVERSE. MY ACCOUNT WAS CLOSED THEY TOLD ME THEY DONT NEED TO TELL ME WHY AND I CAN NOT REOPEN MY ACCOUNT ... ... I WANT TO KNOW WHY I WAS TOLD TO FILE POLICE REPORTS IN REGARDS TO THE ID THEFT SUBMITTED THEM AND NOW THIS PLEASE PLEASE HELP
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (CA)

I recieved an email message on XX/XX/2020 communicating that my checking account had been suspended and that I would need to re-submit photocopies of the front and back of my ID Card in addition to 2 utility bills and also a selfie photo of myself holding my ID Card. In response to this email message I requested that my account be closed and a check be sent to me with the remaining balance of my account ( more than {$2500.00} ). I called the bank the next day to reiterate my request for account closure and a check for the balance of my account sent to me by mail. The bank refuses to send the funds within my account unless I meet their unreasonable demands for identity verification. I no longer wish to bank with Axos Bank and would like my funds returned to me as soon as possible. Please help me secure return of my money from Axos Bank.
Consumer complaint received 2020-11-07
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. (TX)

I have disputed and sent documents of incorrect information on my credit report so many times there is always an issue with them according to them they update info that looks the same as the last report or they report that agency reported it was accurate even with the documents the collection companies tell me they could find my file or unable to sent me documents that verify the debt is mine I have been doing this for a year now and still cant get a solution
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LENDER LIVE (TX)

This company report that I have 3 different loan under this company but I actually has been only one loan one company 's already deleted form credit bureaus but the other is still pending. This companies has written off in all 3 loans with the IRS as different evictions on the same matter I had report to them this is incorrect or probably tax fraud in the end please locate the order of deficiency form IRS
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NY)

I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX JP MORGAN CHASE XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

Navient has been giving me XXXX about my student loans since I 've been dealing with them. Most of my loans are consolidated now but still a few with Navient are not and I 've been trying to take care of this situation over a couple of years now. They have me as defaulted on the XXXX website and it 's false information. This has also affected my credit rating.
Consumer complaint received 2016-01-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Disputes XXXX Disputes and Transaction Rebills XXXX XXXX Last XXXX Account # : XXXX Last XXXX Social : XXXX Listed below are XXXX transactions which I have disputed, all of which I have contacted and given you a detailed explanation of the reasons, which at the time your agent process a credit to my account. Since then, you have contacted the merchant claiming they have provided proof the charge is valid - which is absurd, when all they have sent you is a copy of the charge document - they do have a document with my name on - call transcripts - any type of written, signed affidavits, or any type of legal document. 
It 's amazing to mean that we, your customer believe your " {$0.00} Liability Protection '' yet when we call with a dispute, we are required to provide written, legal, signed documents, almost provide our blood type and swear on a XXXX before you will actually remove this charge from our accounts - yet the Merchant can send in XXXX screen shots, most of which you ca n't read and you are so ready to make a TRANSACTION REBILL and make us jump through hoops to get you to believe what we have told you. 
I believe your marketing should be towards the merchant - " ZERO CHARGEBACKS, NONE OF OUR CUSTOMERS HAVE THE TIME OR ENERGY TO FOLLOW THROUGH! '' I WANT THESE CHARGES REMOVED FROM MY ACCOUNT - YOU HAVE THE REASONS AND MY CALL IS MUCH MORE VALUABLE THAN A SCREEN SHOT FROM ANY MERCHANT. 
I WILL EXPECT A CREDIT TO MY ACCOUNT IN THE AMOUNT OF {$330.00} WITHIN 5 BUSINESS DAYS. Listed below is a detailed account of each dispute with your Transaction Rebills listed below each one. 
# Date Merchant Amount XXXX. XXXX/XXXX/XXXX XXXX {$74.00} XXXX/XXXX/XXXX Transaction Rebill {$74.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX {$120.00} XXXX/XXXX/XXXX Transaction Rebill {$120.00} XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX {$54.00} XXXX/XXXX/XXXX Transaction Rebill {$54.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX {$83.00} XXXX/XXXX/XXXX Transaction Rebill {$55.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please feel free to contact me at XXXX or XXXX if there is any discussion you need to have with me. 
Thank you, XXXX XXXX
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Payment ( {$1200.00} ) sent via XXXX XXXX  bill pay on XX/XX/XXXX and tracked that Select Portfolio servicing received payment on XX/XX/XXXX ... ..On XX/XX/XXXX I spoke with XXXX  XXXX and confirmed check had been received by Select Portfolio Serv ... Spoke with mngr " XXXX '' at Select Portfolio on XX/XX/XXXX and he stated check had not been logged into system... ..I made another immediate payment of ( {$1200.00} ) on Select Portfolio 's website resulting in a {$5.00} charge ... .I requested a stop payment from XXXX XXXX on the XXXX but was informed it could take up to XXXX days to implement and was later informed that the original check was finally processed by Select Portfolio on the XXXX XXXX  XXXX!!... Because of the check processing delay by Select Portfolio Serv. a double mortgage payment was made!!
Consumer complaint received 2020-11-09
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: Trident Asset Management, L.L.C. (OR)

I originally disputed this alleged debt with Trident Asset Management ( debt collector ) regarding an alleged returned check of {$280.00} from XXXX and was not provided a copy of the alleged check, account numbers or the bank for which it was allegedly withdrawn upon. Attached is what was provided by Trident Asset Management. 

( Trident letter with alleged Affidavit of Correctness and Assignment - XXXX XXXX XXXX XXXX XXXX ) This has lead me to dispute the validity of said debt with burden of proof also falling upon XXXX, as they have listed this alleged debt on my credit report, which has negatively impacted my credit for quite sometime. I have disputed this account numerous times with XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), to this day, XXXX  has either not properly investigated the alleged debt or just flat out ignores my request with the information provided. 

Per the letter from Trident Asset Management on XX/XX/XXXX, and my XXXX report dated XX/XX/XXXX, I have no returned checks showing or outstanding, as Trident Asset Management has stated in the letter and XXXX  has continued to report. 

See attached Oregon Gambling Laws. 
ORS 167.109 - Internet Gambling Specifically Also, a simple internet search indicates, that the Unlawful Internet Gambling Enforcement Act of 2006, no longer allowed online gambaling for monetary purposes in 2006. So, how could I possibly owe on said debt with a check date of XX/XX/XXXX, per the letter from Trident Asset Management? 

Finally, you can also see on the internet, XXXX was shutdown in XXXX and fined by the government, due to the Unlawful Internet Gambaling Enforcement Act of 2006. So again, how could I possibly owe on an alleged gambaling debt ( from my research on them ) in XXXX of XXXX? 

See attached XXXX print out from under History. 

After providing these documents numerous times to XXXX, they still to this day have failed to correctly investigate or just blatantly ignored my requests for removal of this erroneous debt. 

See attached Unlawful Internet Gambling Enforcement Act of 2006 - If I can get it attached or it can be viewed online. 

Thank you for your attention to this matter.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc. (CO)

I was called and left a voicemail by USI Solutions about collection on a debt owed on XX/XX/XXXX. Was told to call back XXXX and ask for XXXX  XXXX at ext. XXXX with Ref # XXXX. 
I called them on XX/XX/XXXX and the phone was answered by a gentleman named XXXX XXXX. I asked him to speak to XXXX XXXX at ext. XXXX. He said that she was not there and he would help me. He identified himself as the president and owner of the company. He said that he was working the phones for the afternoon. He told me that the debt was for a XXXX XXXX from XXXX and that I owed {$1800.00} however he was willing to take {$1000.00} and call it good. He asked me for a credit card number to collect the money. I told Mr. XXXX that I did not have a credit card to give him and that I needed to talk to my husband. I do not remember having a XXXX XXXX  in XXXX. I told him that I was not going to just give him money for a possible debt that was over 11 years old, especially for something that is not even on my credit report. He told me to look at this as good news, not bad. That as soon as I paid the money that I owed him, he would no longer call me. I told him once again that I wasn't going to give him information over the phone.
Consumer complaint received 2022-03-17
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ACCOUNT TYPE : DEBT BUYER DATE OPENDED : XX/XX/2021 PAYMENT STATUS : PAID IN FULL, WAS IN COLLECTION. ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. I HAVE A LETTER FROM THE COMPANY STATING IT SHOULD BE CLOSED AND DELETED FROM CREDIT REPORT.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (TX)

I have filed complaints with CFPB regarding Discover Card. Their letters reflect : " Should you have further questions or concerns, please feel free to contact me at XXXX. I am typically available XXXX, XXXX XXXX. to XXXX XXXX. ( ET ). Sincerely, XXXX XXXX. Executive Office of Customer Advocacy '' This is false. I have called and left messages with no return calls.
Consumer complaint received 2020-11-09
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. (OH)

I submitted a fraudlanlent invstigation on XXXX  XXXX account. I called XXXX  XXXX and reported it they stated the account balance is currnet a XXXX. So I report the fruadulant complaint to all creodt bureaus and the credit Bureau of XXXX, XXXX  and Experian chnage the balcnae to maximum XXXX out of a XXXX credit limit because. XXXX  XXXX stated the account balance was XXXX in XX/XX/2020 and {$0.00} Balance since XX/XX/2020. However, XXXX  and XXXX  change the balance from {$0.00} blance to XXXX on XX/XX/XXXX after I requested an investigation. I shouldn't be placed with inacurate balances to decrease my score by XXXX points related to an investigation. I have a balance letter from XXXX  XXXX stating {$0.00} balance
Consumer complaint received 2020-11-09
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. (OH)

I submitted a fraudlanlent invstigation on XXXX  XXXX account. I called XXXX  XXXX and reported it they stated the account balance is currnet a XXXX. So I report the fruadulant complaint to all creodt bureaus and the credit Bureau XXXX Equifax, XXXX  and XXXX  chnage the balcnae to maximum XXXX out of a XXXX credit limit because. XXXX  XXXX stated the account balance was XXXX in XX/XX/2020 and {$0.00} XXXX since XX/XX/2020. However, Equifax and XXXX  change the balance from {$0.00} blance to XXXX on XX/XX/XXXX after I requested an investigation. I shouldn't be placed with inacurate balances to decrease my score by XXXX points related to an investigation. I have a balance letter from XXXX XXXX stating {$0.00} balance