davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (NY)

XXXX, XXXX, I looked at my report. I sent a letter to XXXX, XXXX, and XXXX as well as all of these corporations asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX KEYBANK I HAVE EVERY SINGLE CERTIFIED MAIL NUMBER WHICH MAKES IT Federal to lie XX/XX/2024 they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) 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.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) 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.

None of them really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.42 USC 408 asking for anyone 's SOCIAL security number on any loan is double dipping and fraud according to the law. Also 15 USC 1666b there is no such thing as late payments so while they are speaking of laws they clearly have no clue about all they needed to do was actually go take a look at a few XXXX laws dictionaries to figure out they are in violation of XXXX but they have clearly been getting away with fraud so long they think it okay everyone isn't mentally enslaved.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SunTx Capital Partners (GA)

I have contacted the company several times to correct the issue. They are reporting my account as closed/charged off and sold to another lender. 
The company is reporting that I owe more money than my account really does. 
The company has not been reporting accurate information since XX/XX/2020 Also has been reporting that I am late on this account. I have NEVER been late and also my account was paid up for a year.
Consumer complaint received 2018-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On XX/XX/XXXX, I received my credit report and found several items that were not mine. I initially sent a letter to XXXX as well as the XXXX and XXXX to verify these accounts and provide documentation of verification. I received a response from XXXX stating these accounts had been verified so I contacted the credit bureaus again to have the documentation sent to me so I could verify the information received from them concerning these accounts. Furthermore I went to XXXX XXXX Police Department to explain I am a victim of identity theft, I was referred to the FTC to fill out a report, and instructed to try and receive documentation from these accounts so a proper investigation can be completed. Finally, I was instructed to place a ID theft alert on my account with the three credit bureaus so this action does not continue and contact Portfolio Recovery ( XXXX ) to report. On XX/XX/XXXX, I sent a letter to XXXX. On XX/XX/XXXX, I received receipt the letter was received. However, XXXX sent a letter stating the balance was XXXX and remained on my credit report. This is a problem with these companies have. Not only do they disrespect the process victims of ID theft have to go through.
Consumer complaint received 2017-12-02
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. (GA)

I contacted Equifax XXXX XXXX, and XXXX XXXX and XXXX XXXX, and XXXX and XXXX XXXX all of which had disputes filed paperwork submitted proof shown where I had paid the company in full XXXX Equifax stated they could not see where I did. also another dispute they was not closing that was opened on my account was XXXX XXXX it was opened in XXXX I was born XXXX XXXX how that is possible is beyond me.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NY)

As of my XX/XX/2020 statement, Chase has lowered my credit limit from {$5400.00} to {$4300.00} with no notice to me. I have made my payments on time since I have had the card, and this has negatively impacted my credit utilisation and credit score. This was done during the middle of the COVID-19 pandemic.
Consumer complaint received 2020-04-08
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: AES/PHEAA (MD)

PHEAA is continuously reporting a derogatory remark on my credit, in reference to a account that is not mines I never opened a loan in 2017, the account is reporting twice on my credit report.it states that the account is closed but still reporting late payments on my credit report which is erroneous information, if it's closed how can they still report late payments on account that's not even mine.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I used XXXX XXXX XXXX to get a settlement of a credit card debt, ( 1 ) the settlement resulted in a debt reduction of {$7200.00} was agreed to and all the balance ( {$6100.00} ) payment made in 12 monthly payments, until paid in full. Upon completion of settled payoff XXXX Sold the Reduction amount of {$7200.00} to XXXX XXXX  XXXX, XXXX. as unpaid debt. Now XXXX XXXX  XXXX, XXXX are Seeking payment in full for the amount of {$7200.00} as a debt owed to their company and notified all Credit Bureaus of lack of payment in the debt collection progress.
Consumer complaint received 2022-01-06
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. (NC)

this message is for XXXX and transunion and XXXX. i want to let them know that XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX are all being reported and the nc department of justice is now involved with those accounts and creditors. i received emails from some of the creditors and letters and i called some of them and most of them stated they will no longer contact me. i will add documentations so these accounts can be removed from my credit file for good. also XXXX XXXX XXXX showing on my report should deleted. they are being investigated as well. as well as XXXX XXXX XXXX
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

Westlake Financial is responsible for the following : 1. ) Westlake Financial failed to disclose that the note is treated the same as cash and is a valuable instrument. 

2. ) Westlake FinancialDid not confirm that I was accessing my own credit, that actually derives from me. Westlake Financial is just keeping a record of it. 

3. ) Westlake Financialdid not state that they would keep the note when I re-pay the loan. 

4. ) Westlake Financialdid not state that they were going to sale the note 5. ) Westlake Financialdid not state that once they sold the note, that they were going to apply the funds to the loan and that they were going to keep the funds themselves, thereby enjoying unjust enrichment. 

6. ) Westlake Financialdid not state that they were going to insure the note, thereby creating a conflict of interest whereupon it is in their interests that I do not pay 7. ) Westlake Financialdid not state by depositing the note that I was providing them with an implied Power of Attorney and doing things on my behalf with my signature 8. ) Westlake Financialdid not disclose that they would benefit from using my property for profit and gain. 

9. ) Photocopies are being used for an alleged obligation or a liability, Westlake Financialdid not disclose the number of photocopies on hand. 

Westlake Financialis a Fraud 1. ) Misrepresentation 2. ) Inducement 3. ) Concealment 4. ) Theft 5. ) Extortion/ Menaces/Duress 6. ) Racketeering 7. ) Money laundering
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: OPORTUN FINANCIAL CORPORATION (NJ)

I withdrew XXXX last XXXX from my account. It said pending for over 10 days to find out they were never going to pay me because they claim my social security number was incorrect. Lies. Then i filled out a w9 still nothing. I never got my money but they paid the irs 24 percent. My money was taken out of my portfolio but I never received a cent. I have been back and forth with this for almost a year I want my money I closed my account and now have no access to my statements
Consumer complaint received 2018-06-09
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. (TX)

I am exhausted in regards to the accounts that are not associated with me, I have filed an identity theft report and have faxed over to all three credit bureaus. I have contacted XXXX, XXXX, and Trans Union via phone, fax and certified mail and haven't had any luck in getting anything resolved. I'm trying to buy a home and these accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my accounts where tied to my name which I have not opened : XXXX XXXX in the amount of {$470.00}, XXXX XXXX in the amount of {$670.00}, XXXX XXXX XXXX in the amount of {$590.00}, XXXX XXXX XXXX in the amount of {$750.00}, XXXX XXXX XXXX XXXX in the amount of {$600.00}, XXXX XXXX XXXX in the amount {$390.00}, XXXX in the amount of {$86.00}.
Consumer complaint received 2018-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX has acquired fraudulent accounts from XX/XX/XXXX-XX/XX/XXXX, and will not look into the validity of the accounts or stop collection efforts. I have previously retained a lawyer and gotten one case/account closed, and myself dismissed from financial obligation due to the account being fraudulent/identity theft. There are three accounts acquired by MCM with the following amount : XXXX XXXX- {$1900.00} XXXX- {$3300.00} XXXX XXXX {$1400.00} These accounts are the result of Identity theft and I would like them to close the accounts/dismiss collection efforts and stop contacting me for payment. 
Thank you
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc. (CO)

Someone who got had information forged my signature on a lease for a place. They even falsified their own names as occupants on the lease. After 1 month they were evicted but the company is coming after me for over 8000 dollars. Not exactly sure where the XXXX comes from if they were able to get it rerented within 60 days but regardless it was fraud to even have me on the lease. I have tried to dispute it with the credit bureaus but had no success. I have also tried communicating with the company to let them know that this is not mine and i never signed a lease or stayed at their complex. Please help. Its effecting my ability to get a home loan.
Consumer complaint received 2018-06-09
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. (MD)

From XX/XX/2018 I have been disputeing two account with Experian XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX or any means of automated verification. yet Experian allowing XXXX XXXX and XXXX XXXX XXXX XXXX to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX and XXXX XXXX XXXX XXXX File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX and place a Fraud Victim alert on all my credit report. yet they file to remove these account.
Consumer complaint received 2018-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (WA)

My car payment is due on the XXXX of every month. It 's handled 100 % electronically. I do n't receive paper statements. 

On XXXX XXXX, XXXX, I went online to the GMFinancial website to make my payment. There was a message that the site was down for maintenance. 

The following Monday I attempted to call and got a recorded message that the customer service department was closed while systems were being updated. 

I attempted to go online and to call every day. 

Today, XXXX XXXX, the site went live again and GMFinancial is charging me {$220.00} in late fees ( on a {$380.00} payment ). 

The payment was n't made because all of their systems were unavailable. The onus for any lateness in on them - I made every effort to make my payment on time and their system would n't allow it. 

Additionally, I question why a late fee would be 60 % of the regular monthly payment. 

During the time I 've had this account every payment has been made on time and every payment has been for more than the minimum payment due. 

I do n't know if this is sloppy business or an intentional attempt to defraud me. 

I request your help in resolving this issue.
Consumer complaint received 2021-05-22
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. (NY)

on XX/XX/21 i sent a letter to XXXX XXXX, Experian and XXXX about having the wrong names and addresses on my credit report. they still didn't remove anything. i sent in my driver license and proof of address.
Consumer complaint received 2018-06-09
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX Texas, XXXX My husband and I bought this prepaid Visa one year ago. We put {$100.00} on this prepaid Visa. We we tried to activate it we were told the company had no record of the card. We contactedU.S.Bank/U.S.Bankcorp/XXXX XXXX XXXXXXXX at the number on the back of the card, which was, XXXX, many times, but could never manage to get someone on the phone. After many frustrating months, and numerous phone calls We managed to speak with someone who informed us that the card had a {$0.00}. We weren't able never able to even activate it much less use it and again were told there was nothing they could do. The card value was {$100.00}, and is currently valid through XX/XX/2021, as stated on the front of the card. We are asking that CFPB please make others aware of this problem to prevent this type of fraud happening to anyone else! And, if in the process, CFPB could assist us is receiving our money back, we would be very grateful! Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NY)

On XXXX XXXX, 2017 a withdraw of {$700.00} was taken out my card from an ATM in another state. I called XXXX XXXX, and a woman by the name of XXXX took down my information she stopped the card and told me she will send a different card. XXXX was the one that told me where it was taken out of. XXXX was transferring me to level 2 to dispute the money, I was on hold for a few minutes the phone hangs up on her end. I try calling back and nothing its been hard. So now I do n't know what to do. I even called social security because the card was provided by them, but nothing all they told me was to call the card. That was my rent money and to buy groceries.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was scammed via XXXX and bank through Chase. 

Through Offer Up, a potential buyer wanted to send me money for a mattress I was selling plus the fee for the movers. I said sure, whatever, Ive dealt with weird stuff on Offer Up before. I was sent a ( fraudulent ) cashiers check of {$1200.00} from this individual and sent two XXXX payments of {$500.00} and {$570.00} to who I thought was movers and kept the money meant for the mattress which was {$130.00}. Once I learned this was sketchy, I told the guy Im out and refunded the money for the mattress. 

The check he used was refunded because it was bad, and now Im out {$1200.00} of my personal money because XXXX offers NO fraud protection and Chase cant do anything to help me. Im not in the position where I can just lose {$1200.00} and Im completely screwed. I tried calling Chase and basically begging for help, but all they could do was label the XXXX recipient as spam and told me I was pretty much XXXX.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (GA)

After filing XXXX  XXXX bankruptcy that included all my debt specifically students ' loans originally XXXX but transferred to Aidvantage for the amount of {$94000.00}. I have sent attached the original discharge letter dated XX/XX/XXXX, that is listed as debt. I am currently in a forbearance because for obvious reason can not afford to pay. These student loans date back as far as XXXX - XXXX. Dept of EDXXXX Aidvantage formerly XXXX fail to acknowledge. I have sent several certified letters, and nothing was done. I have filed a report with the FTC, which is attached with complaint. FYI, My former name was XXXX XXXX XXXX, and my current name is XXXX XXXX XXXX.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NJ)

On XX/XX/XXXX my friend had attempted to send {$1600.00} to my Coinbase account from XXXX Bank in XXXX. Because the name on the bank account and my Coinbase account did n't match, the wire was reversed. That same day I received an email from Coinbase notifying me of this issue and informing me that the money had been sent back to XXXX XXXX. Today it is XX/XX/XXXX and the money has still not been received by XXXX XXXX. I have attempted to reach out to Coinbase regarding this issue a few times and have not received any reply.
Consumer complaint received 2017-12-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (LA)

This company is claiming that I owe them {$2600.00} for an apartment that 's in XXXX when I 've been a Louisiana resident since the day that I was born. This company claim to have a copy of my signature with someone else 's signature as well. I have never even heard of this company. Somehow they 've gotten my fathers address and are sending things to him when I have n't lived at that address in years. How can two people both owe {$2600.00}, if anything that debt should be split amongst two people. When asked to validate this debt, they sent me a copy of a lease with a signature that 's not even mines. The dates that they are claiming I " moved '' in is impossible because I started my lease where I live now in XXXX. I ask that this company take the time to investigate this issue or Remove this debt from my credit reports, because I do not owe anyone {$2600.00}. I also, DEMAND that this company send me an agreement proving that they have the right to collect on this debt that I supposedly owe. If this matter is n't handled properly, I will be forced to report to the Federal Trade Commission.
Consumer complaint received 2019-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

XX/XX/2019 after many calls from Diversified Consultants I asked if I could settle the debt and have it deleted from my credit report. The associate told me this would happen and once paid my credit report was only updated to {$0.00} and this account is still on my report. I have even called the company back and asked for copies of the call and all the manager told me was that the representative never said they would delete.