davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

There is an account on my credit report from XXXX XXXX XXXX XXXX the account number : XXXX. 
I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information. For example, my name, social security number, and date of birth. Only a signed contract between I the consumer and XXXX XXXX would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 

I have not received any Debt Validation Notice from XXXX XXXX as they were lawfully required to per FDCPA laws. 
Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery or receipt that XXXX has sent a Debt Validation Notice to I the consumer. Written and verbal communication directed via FDCPA was not provided to I the consumer ; allowing me to properly dispute this invalidated debt. 

Enclosed is an invoice requesting {$1000.00} per account that is unlawfully reported on my consumer report. If no proof of delivery to the address below before XX/XX/XXXXXXXX/2024, I am entitled to compensation of {$1000.00} per violation. Only verified documentation will be accepted for proof that your company followed FDCPA laws. 

Address : XXXX XXXX XXXX, XXXX Maryland, XXXX This is a demand to CEASE AND DESIST as well as a notice of unlawful conduct and failure to distribute proper notice. Please remove this account off all my consumer reports immediately. 

Failure to remove this account off of all my consumer reports and failure to pay the invoice due to I the consumer will result in further legal action as well as the filing of a FTC report for Identity Theft per The Privacy Act of 1974.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

My husband and myself just refinanced a loan given to him from Chase bank. Back in XXXX of 2012 Chase bank told my husband he had to miss mortgage payments in order to do a loan modification to lower his interest on his home loan. They also demanded that he only use their lawyer in house. Turns out when we refinanced there was a balance setting on his home loan of {$4500.00} due for Fees associated with this cooked up bank scandal of which my husband never received any loan modification on. My husband only had his credit ruined and back then had to pay all fees to bring his loan up to date. Really I think what Chase band did to him is a crime! Chase should return all fees to him. Currently the amount of {$4500.00} was paid to chase bank through our refinance. But it should be returned to us from Chase. What they did back in 2012 was a scam.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America unjustly closed my account. I was responsible for the balance and was in good standing with the bank. It was a guarantee placed by the bank that once my balance was paid off, my account would be open and in good standing. This was a bait and switch and closed my account IMMEDIATELY after i paid over XXXX off. They are also not reporting to any consumer agencies ( XXXX, XXXX, XXXX ). By law, this positive information needs to stay on file, for 10 years, even if the account is closed. They need to reopen my account and also report my positive credit report history. I will make sure CFPB publishes this experience, I will also open additional complaints with appropriate agencies such as the FTC and attorney generals office and contribute to the ongoing investigation XXXX is carrying out with Bank of America 's abusive service practices, specific to their bait and switch operation in luring a customer to pay off full balance at once and close the account. Bank of America continues to attempt to derail my efforts anytime I call in.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

In XXXX, creditor Comenity CB/XXXX Visa sold alleged delinquent {$11000.00} debt to XXXX XXXX XXXX XXXX XXXX. However, Comenity continues to report the matter on my credit reports even though they are no longer my creditor and debt owner. In XXXX, XXXX, I disputed the debt. But, in XXXX, XXXX, XXXX   updated that Comenity continues to report this as a delinquent account with them. My understanding is that this is a direct violation of credit reporting laws.
Consumer complaint received 2016-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

A while ago I called navient to tell them I wanted to increase the amount they took from my bank monthly for my student loan repayment. I wanted {$270.00} taken out instead of the minimum monthly payment. A few years later, I took a new job, and a slight pay decrease, and I called Navient back to reduce what they took from my bank back to the minimum monthly payment. What they did when I called the first time to increase what they took was rewrote my loan so that {$270.00} was the minimum monthly payment. So anything I thought I was paying over the minimum was not used as such. I requested an investigation into this over a year ago and have not heard an single word from them. Is what they did legal?
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (CA)

Hi and thanks for your assistance- I went down to my bank ( Citibank ) to apply for a {$200.00} secured credit card- the bank person told me there would be no credit check. Today I received an alert from my XXXX ; looks like there was a credit report inquiry by CBNA obtained a copy of your XXXX Credit Report - Alert Type : New Inquiry Found On : XXXX XXXX, 2016- This was unauthorized by me! 
Please help!! 
XXXX XXXX in XXXX XXXX XXXX
Consumer complaint received 2017-05-01
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. (MD)

I am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Be ing that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2023-03-28
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-28
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2016-10-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NV)

I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called Midland Funding via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.
Consumer complaint received 2023-03-28
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. (NJ)

I recently contacted EXPERIAN, I do not agree with there findings how is it legal for them to report bankruptcy accounts on my report, WHEN THERE IS NO BANKRUPTCY. 
I have sent all proof, screen shots, driver license and social copy. 

my prior complaint : I have contacted EXPERIAN numerous times. Experian has 3 bankruptcy accounts listed on my credit report, but I don't have a bankruptcy. Credit cards and credit lines XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX  XXXX. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX XXXXNever late. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX XXXX/Never late. XXXX XXXX
Consumer complaint received 2016-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I paid off my Navient student loans in XXXX XXXX, but automatic payments were deducted from my bank account in XXXX and XXXX. I called them, mailed my bank statements, and turned off the automatic payment option with my Navient account. However, in XXXX the same payment was withdrawn! I do n't know how they still had access to my bank account. Navient says those payments must be going towards a private loan, but they acknowledge that there are no other loans associated with my SSN and they actually have no records of the withdrawals on their end. Further research on my end shows that these payments ( ending in -FDR ) have been taken since XXXX XXXX and have not apparently been applied towards my student loans.I 'm at a loss of what to do! Thousands of dollars are gone that I thought were going to my student loans but apparently were just disappearing into thin air. Navient is researching it, as is my bank 's fraud department. Obviously I need that money refunded, or proof of an additional, legitimate loan in my name.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Neon Newco Corporation (TX)

I cashed a check at XXXX XXXX XXXX  I was asked by the cashier after a long wait after she made a lot of calls to open a Ace Flair account to help her out to get her a commission. After the long wait I didn't even want to cash the check because I thought I might be able to cash it elsewhere for a cheaper price. After a guilt trip for making her jump through hoops to cash it I finally agreed to just be done with. I put XXXX dollars on the card at ACE when I made the account. I was told to hit next on a little screen I couldn't read and just did and signed. Got my cash and left. After a few days I activated my card and tried to use it at the store for a purchase of something around XXXX to use it up and close the account. It was denied and I checked and saw there was a fee to open the account so I actually had around XXXX dollars on it. I said XXXX this so I just decided a few weeks later to just close the account and take the loss. When I tried to close it I saw it was negative XXXX dollars and some change because of another fee. I put in the request to close anyways and forgot about it. Today, XX/XX/XXXX I get an email saying there is a problem with my account and to call customer service. I can't even log into my account anymore and I assume they are going to try to get more money from me to close the account. I don't know what to do. Any help would be appreciated. Thank you.
Consumer complaint received 2022-02-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (NJ)

I am requesting that XXXX validate the debt on the Federal Perkins Loan by submitting a signed and dated contract between myself and XXXX University. As of today XXXX continues to provide falsified information and conspired with XXXX University in forging the documentation.
Consumer complaint received 2015-06-08
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Northstar Location Services, LLC (NC)

NorthStar Location Services , LLC has been contacting me nonstop. It 's for a debt they claim I owe from a credit card company. They did not validate the debt, they have called me when I sent a letter to tell them to stop, and they said that legal action will be involved. This is ridiculous. They are using illegal practices on me and it is unfair and unethical. This debt collection company has gone out of bounds and NEEDS TO BE INVESTIGATED ASAP! They ca n't prove I owe the debt, they ignored my letter that told them to not contact, email, mail, call, text me at anytime. All they can say is " we have no record of that ''. You do n't keep records because you are a unethical company. CFPB needs to investigate this company for debt collection practices. 

I have no money or assets for you to take from me. I do n't believe i owe this debt and I am tired of being harassed.
Consumer complaint received 2020-10-19
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. (NH)

An account that was discharged via bankruptcy from XXXX has somehow found its way into a new collection agencies hands ( XXXX XXXX XXXX ) and has now become present on my credit reports as a collection as of XX/XX/2020. This new collection account is LOADED with inaccurate information, contradicting information, ( ex : equifax has the account showing as discharged via bankruptcy, and this account has been allowed to pop back up as a collection while still showing its discharged??? ) Furthermore the dates, amounts, source etc. are all wrong! XXXX  dispute was useless and in the reporters favor and havent provided me a stitch of proof or evidence. This company has also failed to make any attempt to contact me by any means and instead decided that they would just report this frivolous inaccurate account. I want it deleted immediately. This is grimy practice.
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NC)

Mortgage Company has hijacked my property taxes! 
My husband and I purchased a home almost 10 years ago and used XXXX XXXX XXXX for the mortgage. A few years ago, my loan was sold to a company named SLS ( Specialized Loan Servicing ). We obtained a 7 year arm with no escrow of insurance or home owner 's insurance. XXXX years ago, I went online to pay my yearly property taxes one month late, and noticed the balance was XXXX. Come to find out, my mortgage company requested my bill from my city/county government and paid the tax bill and started escrowing my mortgage account. I mailed them the money for the tax bill amount to settle my escrow account with them, but they did n't post the payment and were holding the funds in some sort of " suspense '' account. This also made my mortgage payment look delinquent, so they have also reported my to the credit bureau for being 30 days late on my mortgage payment. All because they were holding monies in " suspense ''. I called and tried to straighten it out, but they were very rude and unhelpful and I never got anywhere with them. This company is NOT a good company to deal with and I would never CHOOSE to do business with them. I 've read complaints all over the Internet about them. I do n't seem to have any rights when it comes to this situation. I continued to make my payments to keep things current so that they do n't try and take my house. I went online last year to make my tax payment which is due on XXXX XXXX, but they had already paid it again, but 2.5 months early, so they hijacked it again!! This year my tax bill came early in XXXX, so I 've already paid the bill myself, which I have attached here. They are demanding escrow when my mortgage contract signed with XXXX had " NO '' escrow terms. I want to pay my own tax bill as I have done for almost 10 years with no escrow. They are escrowing several extra months as well! Again, this company has hijacked my property tax bill for the past 2 years and forcibly added an escrow account to my mortgage and I need help rescuing my monies being held in escrow and to restore my mortgage to it 's original terms. Can you help?
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Keynote Consulting, Inc. (TN)

I had a notification via XXXX XXXX that I had 2 collections accounts. Company is Key Note Consultants in the amount of {$7000.00} and {$1400.00}. These are NOT my accounts or debts. Please assist with removing them