davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

Firstmark Services Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., FDCPA, and Pennsylvania XXXX I am writing to file a formal complaint against Firstmark Services, located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others.

Firstmark Services has inaccurately reported an account on my credit report as charged-off and dispute resolved, customer disagrees. However, this account was charged off and subsequently sent to a debt collector. Moreover, Firstmark Services was a loan services and therefore a debt collector under the FDCPA and Pennsylvania FCEUA. Given that Firstmark Services no longer owns, nor did it ever own, this account and has been compensated for it and settled in full, the persistence of this trade line and/or data point on my credit report is incorrect and misleading. This account was paid and settled in full.

Additionally, the reported charge-off amount is erroneous. I paid off this account and it was settled in full. This misrepresentation has unjustly impacted my credit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Firstmark Services is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Firstmark Services to rectify any inaccuracies found.

Firstmark Serivces 's refusal to amend this inaccurate trade line and/or data point despite my disputes and supporting documentation violates these FCRA provisions as well as the FDCPA and Pennsylvania FCEUA . This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system.

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Firstmark Services to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (OH)

I am oblivious to this balance on my credit report, it must be another person 's name or information merged with mine. I sent the collection agency a formal letter Ability Recovery Services LLC, XXXX XXXX XXXXXXXX XXXX, Pa XXXX on XX/XX/2022 in regard to this matter but have not received a response. I also call XXXX.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address, also my government ID. Please update this address. I no longer live in the Florida apartment rental. I have also provided a copy of my current report and profile address data.
Consumer complaint received 2020-07-28
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. (KY)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

I have reached out to all 3 credit bureaus as well as XXXX XXXX to have my credit report updated with no resolution. I purchased my car ( XX/XX/XXXX XXXX XXXX ) brand new onXX/XX/XXXX. My vehicle was repossessed and redeemed in XX/XX/XXXX. My contract was satisfied XX/XX/XXXX, however this item still shows negatively as a redeemed repossession. I was told ( by the credit bureaus ) that items stay on my report for 7yrs from first reported delinquency but this repossession is 10yrs old. I confirmed this with XXXX who says they haven no control over how long the info is on my report but they have total control. Why are they reporting my loan only for the last 6months of the lease which makes it look like it's 6yrs old as opposed to the 10yrs since it was actually first reported delinquent and repossessed. They keep updating reports on my report but that info is incorrect. This loan goes back to XX/XX/XXXX. I am trying to resolve this without dealing with either parties mentioned again directly and I am currently waiting for my account history in the mail ... if needed.
Consumer complaint received 2022-02-18
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. (GA)

I have disputed the following accounts from my credit report with Experian, XXXX, and XXXX, which is in the police report that is attached to this complaint, but they have re-inserted back on my credit report without notifying me within the 5 days reinsertion rule, which the credit bureau violated the fair credit reporting act and is in violation. Also, this is a fraudulent account and I have a police report to block this information. My next thing is filing a lawsuit and retaining and filing a complaint with the Attorney General and the Consumer Protection Bureau. Please correct this immediately. A police report is attached to this complaint with the fraudulent items listed.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have requested to have a protected consumer freeze placed on my daughters credit report three times over the past year. Why will they not do this? I have provided all the requested information and mailed in all the necessary forms. How many more times do I need to request this before they will just place the freeze on her account? 

Please help me to have the freeze placed on my daughters account. I can be reached at XXXX. 

Thanks, XXXX
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

I have reached out to all 3 credit bureaus as well as XXXX XXXX to have my credit report updated with no resolution. I purchased my car ( XX/XX/XXXX XXXX XXXX ) brand new onXX/XX/XXXX. My vehicle was repossessed and redeemed in XX/XX/XXXX. My contract was satisfied XX/XX/XXXX, however this item still shows negatively as a redeemed repossession. I was told ( by the credit bureaus ) that items stay on my report for 7yrs from first reported delinquency but this repossession is 10yrs old. I confirmed this with XXXX who says they haven no control over how long the info is on my report but they have total control. Why are they reporting my loan only for the last 6months of the lease which makes it look like it's 6yrs old as opposed to the 10yrs since it was actually first reported delinquent and repossessed. They keep updating reports on my report but that info is incorrect. This loan goes back to XX/XX/XXXX. I am trying to resolve this without dealing with either parties mentioned again directly and I am currently waiting for my account history in the mail ... if needed.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

I am the victim of identity theft. It was done by a 'phone porting ' scam ( XX/XX/2020 ) whereby my phone number was ported from XXXX XXXX XXXX XXXX XXXX and was then under the control of the scammer who used it and other of my personal identification information to access accounts including my PayPal account. They used my PayPal account to make several payments. I reported this to PayPal as fraudulent and most of these fraudulent payments were reversed and reimbursed to my bank account. Ultimately, due to the fraudulent payments, the PayPal account balance was - {$310.00}. PayPal knew this was due to the fraud, but the amount got transferred to a debt collection agency : XXXX XXXX XXXX ( XXXX ) XXXX  ( XXXX ). XXXX has sent me a collection notice and a bill for {$310.00} despite the fact that PayPal has already recognized that the fraudulent spending occurred on my account. The bill says ... 
Make Checks Payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I never had an account or any debit with XXXX, this scamming company Convergent USA (  www.convergent.com ) is trying to obtain personal information accusing a company already dissolved in 2019,  who I was part, to have a debit with XXXX of {$1800.00} and if I pay them ( Convergent ) the amount of {$670.00} the collection process will stop and my account will return to XXXX!!! Totally Scam, we never had that account, I called XXXX and they don't have any info about that. I read many and many complains about this company applying the same scam to hundreds of people ( XXXX XXXX XXXX  ) in such hard time all Americans are through now, shut down that company please, many people will less knowledge and resources will be a victim losing the little money they have in the middle of a pandemia! Please act fast! Thank you very much for your help!
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (IL)

I have not used my Discover card for a very long time, at least XXXX  years. I ended up freezing the account because there was an XXXX charge that kept recurring that I was unable to stop. I was unable to stop it because it was tied to an old email that I couldn't gain access to again. 

Then I ended up seeing an email where there was a balance on my discover card, due to the same XXXX charge, but my account should have been frozen. I froze the account again and paid the amount, but Discover reported it as a late payment on my credit report. I have been in good standing with them the entire time I have been a customer, and would like to have that derogatory mark remove from my credit report. 

This derogatory mark is keeping me from obtaining financing and I would very much appreciate the help getting this removed.
Consumer complaint received 2021-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: JPMORGAN CHASE & CO. (NY)

To Whom It May Concern, In the process of requesting PPP loan forgiveness over the last several months, Chases business direct center and whoever has been reviewing the application forms have been repeatedly clearing and re-adding conditions and have been extremely unclear with what they require. Every representative we have called has told us something different every time as to what they are requiring. Once the requested changes are made to the application they clear that condition and add back another that was already cleared. We have provided what they have asked for and more numerous times that prove the loan money was used on the business during the covered period. We have followed all the guidelines when applying, all 22 times, and each time with the additional documents they request and are still being denied. At this point they are going to run us out of business by not granting forgiveness for the loan that helped us and is still helping us remain in operation. We will not have the means to repay this loan amount in full by the date it is due. The SBA states that funds can be up to 100 % forgiven if used on the business during the covered period, which it was and we are not even requesting forgiveness for the entire loan amount. We are eligible for this and should have our application reviewed fairly. Chase is refusing to submit our application to the SBA even though we have provided everything they have asked for and more. 

Thank you, XXXX XXXX
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX ; XXXX XXXX XXXX A XXXX XXXX, TX XXXX; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$4900.00}.
Consumer complaint received 2021-04-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation (AL)

XX/XX/XXXX I took out a loan for {$2500.00} at First Franklin Financial in XXXX, Alabama. The balance on that date was XXXX. I made payments until XX/XX/XXXX when I made a payment of {$1500.00} in order to try and get the loan paid off quickly. My balance was then {$480.00}. My payment was paid up until XXXX of XXXX and my payment is due on the XXXX of the month in the amount of {$120.00}. I mailed a check to them on XX/XX/XXXX for {$120.00}, earlier than the due date of the payment. When I checked the balance on my account, every cent of the amount I paid toward my balance was applied toward " interest '' and " PL fees '' and {$3.00} for mailing a payment to them. XXXX was put toward my balance, which is now {$480.00}. I feel that this is unethical and is taking advantage of people who are trying to pay off their debts. I had planned to have this loan paid off in full by XXXX, but if they are only going to put XXXX toward my balance each month, I will never have it paid off!! I had told them when I paid the {$1500.00} that they caught me up until XXXX of XXXX and they better not charge me any interest during that time. How can a loan company expect you to pay your loan off when they are only taking XXXX from your balance, even when you pay it IN ADVANCE OF THE DUE DATE? I feel that this is very unethical and probably in violation of the Fair Debt Practices Act. I am also filing a complaint with the Federal Trade Commission. I would like for this matter to be looked into and this company held accountable for charging such ridiculous fees for someone who has been paid up and has paid their monthly payment early. They are now showing my payoff at {$520.00}. How can this be correct, and fair to me as a consumer?
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (ME)

I have called American Express multiple times, and sent them a letter asking them to stop sending marketing emails and credit card offers to my business XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX It has been months now, and they refuse to stop sending me letters. I believe it is weekly or biweekly.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Good Afternoon, I am writing today with the concern that the credit bureaus are ignoring my letters.. I sent them letters on XX/XX/2022 and still have not heard back this is not right. I have been waiting almost two months now for a reply from them about these incorrect items on my report and they still have not got back to me. these items that they have reported on my report are inaccurate and unverifiable and i need those items investigated and removed because this is negatively affecting my life and it shouldn't have been there in the first place, please help me with this matter and thank you for your time.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TX)

XXXX XXXX put a {$470.00} collection on my credit report claiming it's a debt from PayPal, I've contacted PayPal and they stated that my account is in good standing and I don't owe any debt, Then i called the debt collector they said they'll submit a dispute however it's still reporting to my credit bureau, The collector asked me to do incapacitating requests. 
The collection agency also stated that the debt was owed back in 2018 however they never attempt to contact me once since. I contacted them when they negatively reported to my credit report, the collector also said that I lived on my business address which's not true. 
Note : I never took credit from PayPal, however I use them to make payments on the spot using my credit card on file.
Consumer complaint received 2019-03-25
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: DISCOVER BANK (FL)

Hello, my name Is XXXX XXXX XXXX was thinking about opening up a credit card account with Discover and apparently someone used my name and social to sign up for a secured card. I was referred to this website from a professional in credit repair solutions to avoid any more consequences of this fraudulent activity. 

It really is inconvenient for someone to try and build their credit and come to find that others were using their private information. I need help finding a solution to my problem.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery has repeatedly called me, Calls me twice a day every day. I tried answering the phone a few times but then no one talks. I have asked them not to call me. Here is an example from my call log. 

PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX ORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Wed. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Wed. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Tue. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Tue. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Sun. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Sat. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Wed. 

PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Wed.XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 6s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX
Consumer complaint received 2018-05-03
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. (NC)

XXXX refuses to delete this fraudulent account from my credit file from XXXX XXXX XXXX which was unverified and deleted by XXXX