davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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: Bridgecrest Acceptance Corporation (GA)

In accordance to the Fair credit reporting act This creditor ( Bridgecrest ) has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

i just looked at my reporting and i saw that i have a late payment. however they are reporting this late payment is inaccurate. i send a letter trying to fix this problem but i've failed to see any update. please remove this fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I submitted the correct paperwork for deferment and cancellation and deferment of my Federal Perkins loan in XX/XX/XXXX, and then twice in XX/XX/XXXX. I received no response at all the first and third times, and the second time, I received a response that the paperwork was dated incorrectly. I am also currently enrolled in grad school full time. However, they are still trying to bill me for this account. I have contacted Heartland multiple times, and they have made no efforts to resolve the issue.
Consumer complaint received 2018-05-10
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: DISCOVER BANK (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Revenue Enterprises, LLC (VA)

I have been receiving non stop calls from this number and calls before 8am and all hours of the day and weekend. i asked to be placed on do not call list, but they are still in violation of laws they must follow by calling me at XXXX XXXX this morning. They also called me before their business was even open ( XXXX XXXX, their time ) so i had to wait until they were open and i was at work to call back and request to placed on their do not call list.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (MD)

On XX/XX/2022, Experian refused to correct my current score with them back to pre-student loan debt transfer. It is not my fault I should be punished for something XXXX and XXXX did when reporting their transfer. I did not abruptly pay all my debt off and get myself into debt again. Experian corrected my score when they first mistakenly added double my debt. There is absolutely no excuse for their refusal to say there is nothing they can do about it regarding interpreting the debt transfer.
Consumer complaint received 2020-07-30
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. (CA)

Equifax refuses to remove fraudulent inquires on my credit report and an account which is also fraudulent they just switched the account status to closed. XXXX XXXX XXXX  was fraudulent. The account needs to be removed. The fraudulent inquires are XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All accounts listed are fraudulent. Equifax refuses to remove them after sending multiple disputes
Consumer complaint received 2018-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (CA)

The current company, XXXX XXXX XXXX, is the latest in a long line of " companies '' trying to collect a debt from XXXX XXXX. As we have told the last dozen or so " companies '' who have harassed us with phone calls over the last ten years, there is no XXXX XXXX at the phone number they are calling. Most of these " companies '', including XXXX XXXX XXXX, immediately try to collect our personal information. We refuse to divulge any personal information over the phone. XXXX XXXX spoke with a representative of XXXX XXXX XXXX, a XXXX XXXX concerning this debt. He repeated several times that there was no XXXX XXXX at this phone number. After trying to interrupt several times, and using unprofessional and threatening language, XXXX XXXX abruptly hung up. XXXX XXXX 's voice has been used in several " robocalls '' since then, threatening vague legal action against XXXX XXXX if he does not call their number. All of these companies have been wasting their time. They will definitely never get money out of us for someone else 's debt. Apparently, XXXX XXXX used our phone number as a contact number when the debt or loan was first acquired, over ten years ago. There are several other complaints on file with you concerning this situation.
Consumer complaint received 2022-03-03
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: MOHELA (MD)

On XX/XX/2022, XXXX refused to correct my current score with them back to pre-student loan debt transfer. It is not my fault I should be punished for something XXXX and Mohela did when reporting their transfer. I did not abruptly pay all my debt off and get myself into debt again. XXXX corrected my score when they first mistakenly added double my debt. There is absolutely no excuse for their refusal to say there is nothing they can do about it regarding interpreting the debt transfer.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On the month of XX/XX/2020 I CONTACTED PORTFOLIO RECOVERY ASSOCIATES. To dispute a validation about purchased debt from the original creditor XXXX XXXX, in the amount of {$370.00} A DEBT THAT I DO NOT OWN* I tried talking to multiple agents at Portfolio Recovery Associates to removed the False inaccurate account from my consumer report. As a result we were not able to come to agreement to removed this false and inaccurate information from my consumer report I feel my rights have been violated as a consumer and have been taken advantage By XXXX XXXX  and Portfolio Recovery Associates. Section FCRA 611 ( a ) as it states failure to investigate items within 30 days gives reason for deletion immediately. It has been well over 60 days and this account is still reporting to my consumer report.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NV)

My name is XXXX XXXX And I bank with Navy Federal. I deposited a payroll check that was {$850.00} on XX/XX/2018 and the funds have not been released yet. I was told that it takes up to one business day and it has been one business day. This is the second time this has happened because it is a payroll check. I have set up direct deposit but that has not went through yet. I just would like my funds to be released I have important things to take care of.
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 my personal and business information was stolen and used to obtain a {$140000.00} loan with SBA under the false business name of XXXX XXXX XXXX with my tax i.d . SBA advised me that the funds were sent to this account XXXX at Chase routing number XXXX. This is not my account, it belongs to the person/people who stole my personal and business information. Chase stated that XXXX XXXX XXXX is not the name on the account and my tax id is not associated with this account. Chase 's Fraud department XXXX XXXX XXXX advised me that there is nothing Chase can do as the account holder would need to call them directly. This makes no sense! They stole {$140000.00} why would they call and volunteer this information? Chase has not been helpful in helping me with this fraudulent activity at all!
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (PA)

I am writing to delete the following Information in my file.The item I need deleted are listed in the report. I am a victim of identity and I did not the charge. I asked that the item be deleted to correct my credit report. I reported the theft go my identity to the federal trade commission and I also have inclosed copies of the Federal trade commission identity affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a second mortgage with a balloon payment, the payment came due in XXXX of XXXX, I filed for a modification XXXX separate times, in XXXX of XXXX the modification was approved and the loan documents were signed and notarized by all parties, returned via XXXX XXXX Bank of America on XX/XX/XXXX ... the said there was a problem with the notary signature so new documents were signed notarized and mailed via XXXX on XX/XX/XXXX. Bank of America Never finalized this modification and in XX/XX/XXXX they sent a letter stating that they were canceling the modification because the documents were not received, even though I called multiple times and verified that they did in fact receive both sets of documents. The terms of this modification also were not very dgood and resulted in an increase in my monthly payment of 300 % ... even though my first modification application was denied do to my lack of income and inability to pay... Throughout this process I have not received even XXXX phone call or letter from the person assigned to my modification application, even though they claim to have attempted to contact me, they are lying, The are also lying about the Error in the notary signature, as the error they claimed occurred in the first set of documents was specifically addressed with the second set.. I do not believe the underwriter ever even viewed the second set and perhaps open the original documents bu mistake or perhaps they were uploaded incorrectly, in any case... signed and notarized loan documents exist and it is Bank of America who failed to finalize the the modification ... After all this I was told to reapply for modification, but was not even sent the original application packet before it was denied for failure to provide documents.. hie can Inprovide documents when they never send them? On top of all of this I have received numerous collection calls even though this loan was XXXX in my bankruptcy in XXXX ... On top of all of this I notified them in XXXX that I was applying for the Homeowners Assistance fund and they continue to send letters threatening forclosure... Interesting how they have no problem mailing those letters but refuse to send the documents needed to apply for the modification... this had been very frustrating and in all honestly I have lost all hope that XXXX XXXX is actually trying to assist me, I think they are trying to steal my home and are completely not operating in good faith ....
Consumer complaint received 2021-06-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent in letters regarding inaccurate reporting of misleading items and information on my credit report. I'm feel like I'm being ignored of my disputes. It's been 90 days since my first dispute. These are deceptive practices by the bureaus.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

This Capital One account ending in XXXX was included in a US Bankruptcy XXXX XXXX case # XXXX, 100 % pay plan, renegotiate interest on this account only. 
This automotive finance agreement contract dollar amount was renegotiated with Capital One and was agreed to by all parties including Capital One ( see attached ). 
See attached document from the US Bankruptcy Court stating that all Debtors ( including Capital One ) have completed all payments due under their XXXX  XXXX plan, marked completed and closed by courts. 
See attached document Capital One US court accounting paid as agreed, {$9100.00} See attached letter from Capital One glossing over the fact they had a new contract with the US Courts voiding the old contract they sent with my previous compliant with the CFPB. 
See attached Capital One released financed Vehicle title XX/XX/2021 as a signal to completing the new financial agreement with the US bankruptcy courts not the old Capital One contract, that Cap One keeps referring to as the current agreement. 
Capital One continues to report this account to XXXX, XXXX and XXXX as an open account with a balance. 
This account has been 100 % paid ( CLOSED & COMPLETED/NOT TERMINATED ) as agreed with Capital One, the US Courts say so. I believe Capital One thinks I owe them a balance and keeps showing the original contract however Capital One is carful to say in there letter this not an attempt to collect and yet they are reporting to all three credit bureaus as an open account with a balance dragging my credit down and causing financial harm to me by reporting inaccurate and incomplete information.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have tried to resolve this issue in several different manners throughout the past few years. Unfortunately, it has not been possible since this is a joint account. The other owner is incapacitated and has been for two years now. During the beginning of that time ( XX/XX/XXXX ) I was making on-time payments myself and had taken the responsibility for the account over without even having the car in my possession. I had tried during that time to work with law enforcement and had several court cases from XXXX til XXXX to get the car finally back in my posseion. However, the joint owner 's mother claimed to have power of attorney and did not want to cooperate with a voluntary surrender. Thus leading to an illegal repossession of my property. The company held no lien or sufficient evidence over the car during that period. This caused a lot of distress to me because I went from being perfectly fine with no bills then I was required to pay and take over this account. Eventually, the car was discharged and they still are illegally trying to collect money from me over this car. I know that a charge-off is considered a certificate of indebtedness which is income. Per 15 USC 1601-1605 it is illegal to report income on a credit report. I have tried using all my rights with XXXX XXXX XXXX such as opting out from reporting per 15 USC 6805. I have told them all my other rights like reporting late payments are illegal per 15 USC 1666B ( a ) & it is illegal to report collections 15 USC 1681. I had never received any disclosure before all this detrimental false and misleading information was reported without my consent. There was a violation of my privacy and my whole life has been affected by this one account alone. I was denied many different things that I needed for myself to live comfortably. According to the privacy act of 1974, I have had a plethora of rights violated and I need monetary compensation no less than the amount they are illegally trying to collect from me.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2021-09-05
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: EQUIFAX, INC. (AZ)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (AZ)

When I opened the Business account for Wells Fargo, They said there would be no monthly service fees, because I had other accounts with balances. They have been taking money out of account for last 7 months unbeknownst to me.
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I have a credit card ( XXXX ) issued by Boeing Employees Credit Union ( BECU ). I am a senior citizen, aged XXXX, and was victim of computer fraud. 

Immediately after I paid for these bogus services on XXXX XX/XX/2018 with my BECU XXXX card, I spoke with my son who advised me this was fraud and to go straight to the credit union to freeze all accounts and cancel all charges and ask for new XXXX. I did this immediately. 

I paid for bogus services with my BECU XXXX card and asked BECU to deny and/or reverse the charges. BECU has declined to reverse the charges. 

There was no pending charge for my old XXXX card when I/they cancelled my old BECU XXXX card. BECU opened a new BECU XXXX card, and the {$2700.00} showed up as a charge on my new XXXX after a few days. BECU should have denied that {$2700.00} charge as they were informed it was fraudulent 3 days before this fraudulent charge showed up on my new BECU XXXX card. BECU has denied my claim as I paid for bogus services " willingly ''. I disagree, I thought I was purchasing a service. 

When I use my XXXX card, I trust that any fraudulent charges will limit my responsibility, especially when I advise the bank within hours of this fraud. I am asking for your assistance in getting the {$2700.00} charge reversed on my BECU XXXX. 

There is an active police investigation that has all the specific information about this fraud, please contact XXXX County Sheriffs Department, Case # XXXX. Their telephone : ( XXXX ) XXXX. 

I gave this Police Case information to BECU fraud investigators but they told me they will not contact the Sheriffs Dept to get details on this crime. I believe BECU is also taking advantage of a senior citizen with their " rapid-fire '' telephone questioning of the particulars of this fraud case instead of written communications. It is confusing for most seniors to talk with BECU investigators on the phone, much easier to understand written words and then I could think about them and reply. The investigators use terms I am unfamiliar with. 

Please advise if you can assist in reversing the charge on my BECU XXXX which was taken from me by fraudulent means.