davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

I recently contacted Experian and recieved an updated report on XX/XX/XXXX to delete 3 accounts that appears inaccurate. I called to see who was the original creditor. The report shows the account was opened with the original creditor but that creditor no longer exist so I want to know how was the account verified as accurate. It states that it was paid, closed and never late but will remain on the report until XX/XX/XXXX and XX/XX/XXXX. Two of the account has the same balance of {$17000.00} and the other one is {$1500.00}. All of these accounts are outdated. First reported dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these accounts are with the same creditor. I need these removed as soon as possible.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

This is regarding the rewards program for Chase Sapphire Reserve Credit Card. 

On XX/XX/XXXX, I made a rewards redemption for 10 charges on my account. The request was for a credit of {$340.00} for a debit of XXXX ( approx ) miles from my account. I was charged the miles but never given the credit of {$340.00} On XX/XX/XXXX, I called Chase customer service about this issue. They agreed with me and their solution was to give me my miles back. I agreed with that and the miles showed up in my account right away. 

On the same date ( XX/XX/XXXX ), since I was ok with what the service person had told me, I made a new rewards redemption for 12 charges on my account. This was for a credit of {$460.00} for a debit of XXXX miles to my account. This transaction went through fine - both the credit and the debit. 10 of the charges in this activity were the same as those on the earlier XX/XX/XXXX transaction. 

on about XX/XX/XXXX ( not sure of date ), I logged into my account and noticed a redemption credit reversal charge on my account of {$340.00}. This charge had a transaction date of XX/XX/XXXX but a posting date of XX/XX/XXXX. In other words, after my complaint on XX/XX/XXXX - I got the miles back - but was also debited XXXX i.e. was not credit XXXX on XX/XX/XXXX but debited on the transaction reversal. 

On XX/XX/XXXX, I called chase customer service to report this issue. The person agreed with me and promised to have their escalation department fix the issue i.e. give me the {$340.00} back. 

On XX/XX/XXXX, I called chase to ask about the issue. The person at the other end did not understand what I was trying to explain and kept confusing the XX/XX/XXXX redemption transaction which was incorrect with the correct XX/XX/XXXX transaction because they had some of the same charges. Even after another 30 minutes on the phone, I could not explain. When I requested a different agent, the request was denied.
Consumer complaint received 2023-01-30
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX  XXXX XXXX  XX/XX/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 2020-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a notice of bank levy from XXXX XXXX XXXX as trustee regarding a default judgment or guarantor of XXXX XXXX XXXX installment loan. No dates are listed in the document.
Consumer complaint received 2019-10-30
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (MN)

In the Month of XX/XX/XXXX I had been struggling to make my payment on my AMEX CARD due to extreme interests rate & loss of job! my minimum payment was more than 75 % of my monthly income & I could not catch up due to loss of job & other obligatory bills. I reached out to the company to get the late payment off but they were not able to help me, I've never missed a payment in over 2 years, I just happened to have that struggle now due to loss of job & extreme Interests Rates.
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NY)

I called Aidvantage 's customer support on XX/XX/XXXX around XXXX XXXX  EDT in order to initiate a refund of {$20000.00} on multiple fully paid loans. 

I have 5 loans that added up to a total of {$23000.00}, which I paid off all around XX/XX/XXXX. 

The representative ( XXXX XXXX was able to assist and confirmed the request has been submitted and that it must be approved by a manager. Since none of my 5 loans add up to {$20000.00} exactly, he was able to request a partial refund on one of the loans while a full refund on the rest.

He also told me that the refund request will be approved and processed by XX/XX/XXXX and that my balance will be reinstated and reflected on Aidvantage and Federal Student Aid. 

By XX/XX/XXXX, I did not see any actions on either my Aidvantage or Federal Student Aid account and called customer support around XXXXXXXX XXXX EDT. The representative XXXX XXXX XXXX was able to confirm that my refund was approved for {$20000.00} and that I need to wait an additional 2 to 4 weeks for the request to be processed. 

After waiting another 5 weeks, I have yet to see any actions on my accounts. Students who called later than me have gotten their loans reinstated and refund deposited in their bank account, while my refund request is either still being processed or on hold. 

Aidvantage do not provide any system of correspondence in place that let people know what is happening with their account.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (FL)

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. 

Account name : # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Reported on XXXX ) Account name : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Reported on Experian ) Account name : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Reported on XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX ( Reported on XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account # XXXX ( Reported on Experian ) Account name : XXXX XXXX XXXX XXXX  Account # XXXX ( Reported on XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I have had two student loans with Navient ( used to be Sallie Mae ) since XXXX. Per the contract terms the payments and due dates were to remain the same. I have been paying these loans since I graduated in XXXX. I took 1 deferment during a layoff. However, two things happened that Navient did without my knowledge or consent. On XX/XX/XXXX they changed the due date on one of the loans ( the higher payment one ). Thus, making it late every month. They also changed my mailing address. I never asked for any mailing address change. The only way I even knew about any of these delinquencies or the address change ( XX/XX/XXXX ) was when I logged into my account to print out tax information. I did not report an address change with the post office or anyone else. In fact, I have lived at the same address since the day I was born. This is infuriating. Now today I received a letter ( forwarded somehow because the address is still wrong ) from XXXX XXXX XXXX XXXX XXXX  telling me Navient reported my loan in default! When I attempted to call the number on the letter a recording states that they are busy handling COVID issues and to go to the website for CARES act info. I have tried to resolve this with Navient and have used the email option so I would have a record of my actions. They refused to do anything to rectify their actions. This is not the first time I've issues with Navient. I also had issues with them refusing to change my name. I have been married since XX/XX/XXXX. They still have my maiden name on the loan ( XXXX ).
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I had an account with a credit card company called XXXX XXXX from XX/XX/XXXXthru XX/XX/XXXX. 

The company will not let you set up recurring monthly payments, they require that you log in and schedule each payment monthly ( this is unusual as all of my other credit cards allow recurring payments. ) When I logged in to make my XXXX payment in XX/XX/XXXX I verified the routing and account number because my bank, XX/XX/XXXX sold to XXXX XXXX and the account and routing number of the bank had changed. 

My checking account information was previously saved by the credit card company so the fields regarding my banking information for payments were populated automatically so I manually changed the payment information. Apparently the field repopulated to the old routing number etc because my payment must have been denied. 

I was not notified that I was late and I had no idea that the payment did not go through. 
This caused my first delinquency. 

In XX/XX/XXXX I called in to make a payment over the phone because I was traveling and apparently the payment was not credited to my account. Again, I was not informed so I had no Idea until I went to make another payment online and discovered the 2nd delinquency. 

I ended up canceling this credit card because of the companies unreliability. 
I would like these delinquencies removed from my account. 

Thank you, XXXX XXXX
Consumer complaint received 2019-10-30
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX UNIVERSITY OF XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-07-19
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: LEXISNEXIS (GA)

XXXX  has committed multiple FCRA and FDCPA violations by reporting multiple alleged, invalidated debts in their system for my consumer report dated as of XX/XX/XXXX. I have sent documentation showing proof of these inaccurate accounts that they have listed along with proof of XXXX violations multiple times via regular mail and via electronically. XXXX has responded by blatantly lying when they responded via a notice to me via mail stating that they could not locate my consumer file in their database. 

This is not true as I have spoken to them via phone on multiple dates including XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and on both calls, a XXXX representative was able to locate my consumer file in their database. XXXX also lied in their response to both of my previous CFPB complaints when they stated that their were filing disputes regarding the documentation that I submitted to them. They have completely ignored my requests to remove all of these inaccurate accounts and are ignoring my CFPB complaints for resolution as well. 

XXXX  was already in violation specifically of 15 USC 1681, 15 USC 1692, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information in their database with respect to them continuing to report the following accounts : The XXXX XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX - Derogatory / Collection / Charge-off XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX - Derogatory Chapter XXXX & XXXX Bankruptcy Public Records
Consumer complaint received 2020-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (CA)

On XXXX I went to a XXXX office and obtained a loan for XXXX work. At the time of my visit I explained to my doctor that I got paid on the XXXX of each month. I received my first bill from Comenity Capital Bank on behalf of XXXX XXXX XXXX XXXX. My first bill had a due date of XXXX and a minimum payment of {$200.00}, during my initial call with their office on XX/XX/XXXX, I spoke with XXXX ( XXXX ID ) and attempted to get clarification of their late charge calculation or how/when it would be imposed. During the call the representative was unable to explain how a late charge is calculated or advise if there is a grace period. I spoke to XXXX ( XXXX ID ) on XXXX @ XXXX XXXX., in an attempt to get more clarification how they are calculating a late charge on my account. I was advised my billing statement would provide the details, I advised the representative that the billing statement indicates " If we do not receive your minimum payment by XX/XX/XXXX you may have to pay up to a {$40.00} late fee '', no where on that statement does it provide the calculation for a late charge. At that time I advised the representative I wanted to take care of the account and remain in good standing, I asked her what the amount due was, XXXX advised {$400.00} ( XXXX & XXXX ), I scheduled the payment over the phone. Before hanging up I asked if we were good, meaning no outstanding fees, I was advised that there was a {$29.00} late fee that would remain on the account. I asked why was this not advised when I requested to schedule my payment so that I would take care of it at the time of my call.
Consumer complaint received 2020-05-07
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)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ONLINE Information Services, Inc. (MO)

This company ( Online Collections ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract.

Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have errors and inaccurate information on my Experian Consumer Credit Report. I have disputed these accounts as being inaccurate, and Experian had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CT)

Hello, I have been trying to get this issue resolved with XXXX and XXXX XXXX. Someone applied for an XXXX credit card using my name, address and social security number around XXXX XXXX XXXX. I never received any paperwork in the mail, and they informed me that the card application was denied. They refuse to give me more information on the application. This is not fair to me as a consumer. I really would like this investigated. I do not know what to do at this point. 

Best, XXXX
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

There are numerous amounts of inquiries that I did not authorize on my credit report including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX