davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I believe the account is invalid. BANK OF AMERICA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. BK OF AMER XXXX
Consumer complaint received 2018-03-12
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. (CA)

XXXX XXXX XXXX IS WRONGFULLY REPORTING ON XXXX, XXXX AND EQUIFAX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX XXXXThe agent accepted XXXX dollars to clear the account debt. ( see letter that arrived after conclusion datedXX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been 0.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX  XXXX AGENT, being transmitted to the bureaus after dispute.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Opportunity Financial, LLC (GA)

My complaint is very similar to a lot of complaints already filled against XXXX. These Accounts alongside these personal address are not authorized by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oppity Fin XXXX Has been paid in full " please Update 'XXXX XXXX XXXX XXXX XXXX Has been paid in full " please Update '' see Attachments. 



I am not asking for a XXXX  report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title.

15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

thank you!
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Student Assistance (MA)

On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XX/XX/XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX  is now American Student Assistant and they are falsely reporting the amount and dates. It states I opened the account in XX/XX/XXXX. I never applied or signed a promissory note for any loan in XX/XX/XXXX. I tried calling the number on the report but it's out of order.

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (PA)

Please remove the hard inquiries from My XXXX XXXX and XXXX  record, This someone was made on XX/XX/2018. CHASE CARD. I have never made such a request, so I am asking you to remove it.
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc. (SC)

sca collection XXXX inXX/XX/2012 is trying to collect a debt from me I don't know where this came from ive disputed this debt serval times and I need this to be resolved. ive sent forms to the credit agencies and they haven't giving me proof that this is mine please help me with the issues. 



I also have an inquiry that was issued on me called XXXX   an inquiry that I did not authorize. I don't even know where that inquiry came from. can you help me figure these out and remove from my account,
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (CO)

RADIUS GLOBAL SOLUTIONS Original Creditor Name XXXX XXXX did not attempt or care to resolve the dispute I originated concerning there lack of bandwidth or consistent lack of service ... .even after signing up for higher rate of service of witch I was paying and not receiving.. They oversold bandwidth for our area especially in the evening this is well known. This was critical for me since I was attending online courses for my XXXX XXXX paid for through my GI bill causing anxiety and undue stress as I was 100 % XXXX veteran not easily able to leave my house to seek an internet connection elsewhere. I canceled the service on my own and my brother was able to set me up with a more reliable internet service. I did not receive the internet I was paying for therefore a breach of contract on XXXX!
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snow and Sauerteig LLP (OH)

XXXX XXXX XXXX XXXX is attempting to collect a debt that I dont know what it is I asked for debt validation and they sent a copy of a bank statement but nothing that I have signed. I also checked and they are not licensed in the State of Ohio to collect this debt where I have resided for the last year.
Consumer complaint received 2019-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I've recently tried to dispute this information concerning late payments being reported to the credit reporting agencies in XXXX, XXXX. I've tried several times to get them to explain how my student loan went from Deferment to Forbearance less than 2 months. Deferment last one year until renewed. This concerns me because Navient Dept. of Education Loan servicing has a very bad issue with listening to complaints and communicating with customers. All they have done is justify how the issue occurred but do not explaining why it occurred.The reason I believe is that no one wants to be held accountable for why this mistake occurred and who is responsible. I was not aware of the mistake until I received the information from Navient which I have attached. Back in XXXX of XXXX is when I found out that my loan had been in forbearance. That is when I put it back in deferment which I qualify for.The next month I called Navient in concern of the late payments that was reported on my credit report and the representative tried to get me to put it back in to forbearance and I asked why when I'm already in deferment. I was very confused and it was very concerning to me, so I did some research and found that there is no interest charges when your loan is in Deferment but when it is in forbearance, there is in fact interest charges applied to your loan. So this leaves questions and it explained why they would try and do this and why the mistake was made in XX/XX/XXXX and question if it was a mistake or done purposely. I am a XXXX veteran and I have never established a payment plan do to my XXXX which I explained to them that I'm in the process of getting approved for unemployability and getting my loans forgiven because I have not worked or can not work. My question is why Navient would take advantage of me as a veteran and my condition buy trying to apply interest charges and taking my student loan from Deferment to forbearance less than 2 month with out any communication with me explaining why. I think the individuals responsible for this issue should be held accountable because I'm concerned that I'm not the only one this has happened to. This has ruined my credit and I have suffered from by there mistake.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

In XXXX last year, XXXX XXXX  transferred our Loan Servicing to Rushmore Loan Management Services and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by Rushmore LM on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I recently received a letter from Equifax dated XX/XX/2018 stating that 'We have received your request concerning a security freeze on your Equifax credit report. Unfortunately, we were unable to process your request because we need additional information. ' Then the letter requests that I submit items to validate my identity and address. 
I have made no recent requests to Equifax concerning my security freeze. 
My security freeze should be current and in place. 

I do not know why Equifax sent me this letter claiming that I made a request concerning a security freeze when I did not.
Consumer complaint received 2018-10-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AAA Auto Title Loans, LLC (AZ)

I wasnt sure which option to click but this is what the issue is. If i remember correctly i made one payment to  the company. I knew i was going to be behind because i lost my best paying job, we almost just got evicted and im behind on a car payment. I emailed them to let them know that i was aware i was behind anx i intended to pay them, and that i was hard to reach via phone because i work a night schedule. They sent a text message to my phone on XX/XX/18 that read exactly this : Your XXXX Acct. is in XXXX! You qualify for a LIMITED TIME offer that will WAIVE 40 % OFF YOUR BALANCE! Call XXXX for details. XXXX Debit Collector Then on XX/XX/18 they text messaged my phone this : XXXX, XXXX XXXX Pre Legal @ XXXX. We need to hear from you or we will pursue all remedies against you as stated in our contract. XXXX Debt Collector My mother saw this text because she was using my phone. 
In no way did they verify who they were speaking to before texting this information. They did not do the standard debt collection disclosure anywhere in the message, and i dont understand how they can threaten legal action 1 day after sending the first message. Im upset at this situation for so many reasons and feel my privacy in regards to this debt has been violated. I borrowed less than {$200.00} and contacted them to explain that i knew i was late but intended to pay.
Consumer complaint received 2022-05-03
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (MI)

The company is trident and they are trying to collect a debt that does not belong to me. It's in the amount of {$69.00} and I want it off my credit report. I've disputed this item many times to no avail.
Consumer complaint received 2020-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (OK)

I was sent a {$1200.00} payment through google pay. When I initially went to google pay it showed the {$1200.00} balance in my account. I was required to verify my bank account by receiving a test deposit. By the time that had been completed my account showed no balance and no transaction history. Ive tried to call and email google. They dont answer calls and dont respond to email. The sender confirms the money was taken out of his account. My money has disappeared into their system and there seems to be no mechanism to correct it.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VT)

OnXX/XX/XXXXI wrote a complaint letter to US Bank Home Mortgage Customer Advocacy Center stating that I wanted to be reimbursed for all the PMI payments USBank had been fraudulently collecting from me since the FIRST time I asked for PMI removal in XX/XX/XXXX. I also asked them to waive my appraisal fee since if I hadn't done my own detective work, the advice USBank gave when asking to remove my PMI several times ( including the first inquiry back in XX/XX/XXXX ) was incorrect which would have had me paying on PMI for years to come.

The reason they stated they could not refund me back toXX/XX/XXXX and why they incorrectly stated the guidelines was that the XXXX PMI guidelines had just recently changed and that they were NOT AWARE of the change in guidelines. This is again not true and I again had to do my own detective work to find out what the truth was. The truth is that the guidelines were last updated XX/XX/XXXX. And according to XXXX XXXX : " an approved insurer must conduct and complete a self-assessment of its COMPLIANCE with all requirements of the PMIERS as of the effective date and certify to XXXX XXXX that it satisfies all the PMIERs ''. So stating they were not aware of the changes from XX/XX/XXXX is also a lie to protect themselves. I am appalled at how USBank continues to falsify information at the consumer 's expense. I request PMI removal from original stated request ( XX/XX/XXXX ) as well as appraisal fee waived for the gross misrepresentation of the truth which would not have been identified if it hadn't been for my due diligence. This company is certainly committing FRAUD by every sense of the word " WRONGFUL DECEPTION INTENDED TO RESULT IN FINANCIAL GAIN ''
Consumer complaint received 2019-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MD)

Pay pal shut down and took my acct $ for 6 months stating i had violated service terms despite companies such as XXXX XXXX or XXXX using same platform for 100 % legal XXXX sales. I've contacted compliance department several times/all robo responses and noone is allowed to.explain or talk on phone about it/while they turn a blind eye to 100 's of businesses online I've pointed out using them for same businesses.
Consumer complaint received 2019-09-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

charges were put on my XXXX XXXX card that I never did. I reprted chages to bank America as fraud and at first they they said it was fraud then a week later said it was not fraud
Consumer complaint received 2021-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

On XX/XX/2021, a purchase was made on our XXXX Account for a XXXX XXXX XXXX unlocked XXXX XXXX XXXX XXXX XXXX, XXXX. Neither I nor my husband made this purchase. We have since made several unsuccessful attempts to have Capital One remove this from our credit card statement, and we have refused to pay as this was a fraudulent purchase. To add insult to injury, we have since received correspondence from Capital One stating that the fraud investigation is resolved. This could not be further from the truth. Also, in the next letter sent to us, they falsely stated that we have agreed that the charge was actually valid. We never agreed to such a thing. 

We have since that time contacted XXXX, and they agreed that this was an unauthorized purchase on our account. Since that time, XXXX has reversed any modifications made by this party and disabled our account, prior to our updating the account with a new password. 

The charge for {$500.00} was not made by us or anyone that we know. We have always paid our bills in full and on time for the duration of our credit history and believe that Capital One is attempting to take advantage of an elderly couple without any recourse to their unwillingless to remove the charge and fees.
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (FL)

I owed {$1600.00} to the XXXX XXXX XXXX during my final year in college- 2016. I attempted multiple times to pay this debt, and wrote them a check requesting that it be submitted after a certain date.

They ran the check before the requested date and it bounced which charged me on the bank side, and on their side.

If they would have cashed the check on the day I requested ( my pay date ) they would have had their money on time and not submitted me to collections.

Additional charges were made to me such as a tax warrant penalty, filing fee along with penalties and interest they had made against me during the 5 months after the debt being due.

I made payments to the XXXX XXXX XXXX to absolve this debt.

The XXXX XXXX XXXX  submitted this to a debt collector called Harris & Harris , Ltd. in XXXX, IL The amount I owed them was {$1700.00} which I payed within a few business days of this claim.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXL-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-10-09
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. (CA)

Dating back to 2015, I was a victim as were several others as prolific identity theft through at uncontrolled mail room. I alerted Equifax and XXXX or XXXX of my status of having my identity stolen and have been on dozens of calls many promising unreturned phone calls since then. I utilized the CPA, specifically 15 U.S. Code 1681c-2 with all the relevant and required information and a block on my identity stolen XXXX account XXXX. This block was later removed at the request of the creditor and I have called or disputed this account no less than 12 times since then. 

All creditors have an incentive to hold the consumer responsible for charges, less they have no hope of recovering them. This is why the after mentioned statute does not even mention the creditors opinion but instead sets out three criteria in which the CRA can remove a block, none of which apply to me. The black was nearly removed at the creditors request without an investigation by Equifax and I was not informed of any of this, thus violating point 2 of the aforementioned statute. They refuse to reinstitute the block in four days as prescribed, and instead continue to run disputes of 30 days, which the creditor denies and this it remains on my credit report. 

This is especially troubling, because I'm trying to buy at home and the difference in the credit scores between the different agencies vary by over 100 points affecting my rates significantly. I've received no communication about why the black was removed of which there are only three reasons in which it should be and none of them have to do with just the creditors biased opinion but with facts that could be relayed by the creditor but must have been communicated to me in a timely manner and still cant be communicated every time I call except with a the biased creditor asked us to. I demand that this consumer protectection statute be observed and this XXXX account be removed from my Equifax report as it has been by the other major agencies. 

Equifax has been in violation of sections ( b ) and ( 2 ) and has been through multiple complaints. The statute places all the onus on the CRA and not the creditor and their refusal to comply has passed every reasonable time line. I expect this issue to be resolved immediately, unless they can show ( 1 ) ( A, B, or C ) yet I have received no communication from them.