davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
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. (TN)

I graduated from my bachelors and masters program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with XXXX and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX,  my deferment ended in XX/XX/XXXX. But nelnet refuse to take actions to correct this issue.
Consumer complaint received 2023-08-24
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: CBC Companies, Inc. (MI)

Innovis is reporting an inaccurate account on my consumer report. The account is name " XXXX XXXX  Account # ending in XXXX '' They have failed to provide me with proof on an investigation to verify this account.
Consumer complaint received 2021-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (PA)

I have written to and disputed this account multiple times, and I still have received nothing in the mail at all in reference to it! This is a huge violation of my rights as a consumer. In this country you can not report invalidated information to third parties, as that constitutes defamation. The FCRA explicitly states that I have the right to the information being reported about me to the credit bureaus, they have failed to validate themselves. The FDCPA states I have 30 days to receive validation or the account is moot, they have failed to provide validation of the debt they are reporting. They are in flagrant violation of the rights granted to me. Please help me!
Consumer complaint received 2021-10-17
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 submitted a method of verification to the credit reporting agencies about 3 months ago regarding inaccurate and false reporting of some accounts on my consumer report regarding bankruptcies. I wrote the court and they stated they do not report information to third party companies. These reporting agencies are stating false incorrect information and I even wrote to XXXX XXXX and they also stated they have nothing on file under my name. I demand these accounts be removed from my consumer report immediately.
Consumer complaint received 2020-12-09
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: CREDIT ACCEPTANCE CORPORATION (AL)

i have been dealing with XXXX  for more then 6 months with the same problem to no resolution at all..The problem is with credit acceptance able to report on my credit file after i have mailed, email.faxed..communicated to over 15 customer service about this problem.XXXX I purchase a vehicle from credit acceptance receive my title in the mail,XX/XX/XXXX i purchase another vehicle from credit acceptance for XXXX +title and taxes it was XXXX high balance after paying the vehicle of i recieved my title in the mailed XXXX and XXXX i did a title loan on it from XXXX XXXX  and XXXX I didnt want the vehicle and i allowed discount title to keep it..XX/XX/XXXX credit acceptance took me to court for balance of XXXX ..I had XXXX XXXX XXXX XXXX  to represent me and i was told by XXXX XXXX that i did not have to go to court due to health issue and I was in the hospital..XXXX XXXX told me that i lost, Dont worry as long as im XXXX  credit acceptance wont see a penny..XX/XX/XXXX I filed suit against credit acceptance because im trying to purchase my first home and that judgement is damaging my chance to get approved, XXXX isnt doing a complete job credit acceptance keep reporting back to XXXX that the account belong to me and the information is accurate, which it not with credit acceptance reporting high balance of XXXX and the unpaid balance is XXXX the payment history add up to XXXX its not adding up.XX/XX/XXXX CFPB had a Block added to my credit report and both credit acceptance and XXXX received the documents, and i had a fraud alert added XX/XX/XXXX to my account XX/XX/XXXX credit acceptance reported 180 days late ... XXXX XXXX denied my loan approval because of credit acceptance and XXXX not doing their job ... I have filed over 17 disputes about this matter .XXXX employee keep telling me to get in touch with credit acceptance, I keep explaining to XXXX  that we're in Litigation in the XXXX XXXX  of Alabama XXXX XXXX -Credit Acceptance and by me been XXXX  XXXX and XXXX no one want to help to make this right ! Thank you for your time and effort
Consumer complaint received 2020-10-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prime Recovery LLC (MO)

I tried to resolve the debt and verify the amount and was told that I refused to pay debt. I have screen shots of the chat. I then was sent a chat history that was not complete. He then asked me when I would pay and when I offered an amount he said no.
Consumer complaint received 2020-11-03
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. (CA)

I suddenly got a late payment delinquency report made by XXXX XXXX  from my credit bureau -XXXX  XXXX in the first week of XXXX. I called XXXX XXXX, right away and upon checking they apologised to me, and I was told that if I make the outstanding payment of {$220.00} ; the late payment report will be removed, and that I should dispute it with XXXX  so that they can support it as well. But the agent I spoke to lied to me. 
When I reported this, they reported back to XXXX that the report was valid. This is why I am now making this complaint. 

I was pretty much shocked and found it unbelievable because to my knowledge I had set up a payment plan with them not too long ago when I had called about the impact of the pandemic and the need to have my interest rates reduced. The outcome of that call about two months ago was that they told me there was a pandemic hardship program that will help to alleviate that problem. 

But, from what I can gather, they were more interested in getting me to delinquency, because in the next billing cycle, they just suddenly report me delinquent with no credible explanation. 
This action had also damaged my credit report thus making me further unable to make payments or get loans. As a direct result of this problem, they caused my APR to rise to over 15 percent when trying to get a loan, something that used to be around 6 percent before the incident. Thus, the damage that XXXX XXXX  had created is insurmountable. 

When this was happening, I also experienced a cyberattack against my accounts where some random payments are being transferred around and this XXXX XXXX situation is therefore also suspicious because it was as if someone was attempting to deplete my accounts of funds. 
So, I find it hard to believe that this payment issue is a random issue ; because ( s attached ) I have never had a late payment before. And then right in the middle of a pandemic, all of a sudden in XXXX, I get a hasty report of delinquency? Really? 
No, something is definitely fishy about this.
Consumer complaint received 2021-04-09
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (AZ)

Approximately in XXXX of XXXX I personally reached out to Chase via their telephone customer service to explain mitigating circumstances surrounding a late payment they reported in XXXX of XXXX. I explained to the representative that the only reason why I was late for said payment was due to a combination of being in an already difficult financial situation ; as I had just separated from the United States XXXX after serving for XXXX years, and being laid off from my newly acquired civilian job as a result of the XXXX XXXX pandemic. I was told the representative wasn't able to personally do anything about the situation. I attempted a second time to reach out to Chase shortly after, for a second opinion due to the fact that even the Federal Government has recognized the severe economic impact XXXX has had on our country, pouring trillions of dollars into our economy and enacting legislation that makes it even impossible to be evicted for not being able to pay something as important as your rent on time. However, the response I got was anything but understanding and reasonable use of discretion from Chase, stating yet again 'there isn't anything we can do '. I genuinely believe that a reasonable person would agree that Chase is acting unreasonably in regard to my situation.
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Beginning in XXXX or XX/XX/XXXX, I have received numerous phone calls from Portfolio Recovery Associates, alleging that I owe a debt of {$550.00} to them, which had been placed in their office by XXXX XXXX XXXX XXXX  XXXX XXXX. Ever since the first time they contacted me, I have disputed the amount owed. Every person I talk to provides a different explanation, and nobody seems to want to resolve the issue. 

This was a secured credit card, and the amount they are saying I owe does not have the security deposit applied to it. The security deposit that I paid to XXXX XXXX XXXX XXXX XXXX  when the account was opened in XXXX, was never applied to the account in any way, nor was it returned to me. 

I had successfully had this debt completely removed from my credit report, because the amount is incorrect, but somehow Portfolio Recovery Associates placed it back on my credit report. They refuse to see that the amount is incorrect, and nobody wants to help me. 
They have been given over a year and numerous opportunities to fix this. I am hoping that the CFPB can help me finally resolve this.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harris & Harris, Ltd. (TX)

My husband and i moved. My sister who was going to continue to rent the property we were leaving. I call and had the electric turn off att the old place and turned on at the new. My sister called them back and said she was me and had the leave the electric on at the old property. I did not agree to it
Consumer complaint received 2017-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

received a debt collection letter from Professional Adjustment. I sent them a debt validation letter requesting the company to send me proof showing that I owe this debt. I requested a proof of a signed contract between me and the creditor and the debt collector with my signed signature in ink, they failed to send that, I requested an agreement with XXXX XXXX XXXX between Professional adjustment that grants them authority to collect on this debt, verification that this debt was assigned or sold to collector, information that this company is licensed to collect in the state of Florida, but I did not receive any of the documents. I only received a copy of a bill and that does not validate the debt. In the US law encyclopedia, XXXX XXXX, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they did not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

When I found fraudulent charges on my SunTrust account, I reviewed the listed charges and found fraudulent charges for multiple XXXX Trips. 
In the attachment titled " XXXX at XXXX XXXX, '' I have a screenshot of my most recent bank account transactions from XXXX. I searched XXXX in my transactions and took a screenshot of the most recent ones. I can confirm the transactions from XXXX XXXX for XXXX ( XXXX transactions total ) are all fraudulent. This page also contains an XXXX transaction from XX/XX/XXXX, but this is not fraudulent. 
The second attachment is called " XXXX at XXXX XXXX  '' and it is a screenshot of my own XXXX account. It presents a list of all of my trips with XXXX. Comparing the two documents there are obvious discrepancies. After logging into my XXXX account and reviewing my XXXX Trip History, I noticed the only transaction from my bank account on my XXXX Trips History was on XX/XX/2021. I want to make it clear that these photos have not been edited. There is also no option to delete my XXXX trips from my account history. Further, I would be willing to confirm all of the above in a legally binding affidavit, if necessary, in pursuing this claim. 
In conclusion, the fraudulent transactions are from XXXX on XX/XX/XXXX ( 1 transaction ), XX/XX/XXXX ( 2 transactions ), and XX/XX/XXXX ( 2 transactions ). These do not appear in my XXXX account history. The fraudulent charges total to {$280.00}. To prove my XXXX account has my SunTrust card connected to it, it is evident the XXXX transaction on XX/XX/XXXX in my bank account appears on my XXXX Trip History. 
Given my longstanding relationship with SunTrust, the severity of the fraud I experienced, and the extent of the efforts I have made to substantiate its occurrence, I wanted to see this matter resolved promptly and my money reimbursed. However, Suntrust rejected my appeal to their initial decision and were unable to reimburse me of the fraudulent charges.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to dispute several collection accounts on my Experian, XXXX and XXXX credit reports that I believe to be fraudulent. I am a victim of identity theft and did not open or authorize any of these accounts. 

The following accounts are fraudulent : Experian : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX XXXX : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX XXXX : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX I believe that these accounts were opened without my knowledge or consent while I was out of the country. I was not present in the United States during the time these accounts were opened, and I have not used the services of these creditors. 

As a victim of identity theft, I request that these accounts be removed from my credit reports immediately. I have taken steps to address this issue, including contacting the appropriate authorities and notifying my financial institutions. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-04
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. (FL)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX  XXXX  rovide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-06-04
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX is reporting old information dated XX/XX/2020 and XX/XX/2020 on my accts ending in XXXX Capital One Venture and Master Card XXXX also XXXX XXXX is posting old information XXXX
Consumer complaint received 2020-12-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

We have been paying monthly payments on the XX/XX/XXXX of the month for the past several years. I recently called to set up our automatic payment plan to have our payments come out every week. Wells Fargo screwed up on their end. They consistently took out the payments but had some kind of issue on their end resulting in us having to pay over {$2000.00} in payments to become current. This resulted in us having to come up with this money out of nowhere in order to keep our home.
Consumer complaint received 2017-12-12
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (FL)

My problem is with getting my insurance payment for damage suffered during Hurricane Irma. My insurance company has issued a check for over {$18000.00} for carpet and flooring damaged during the hurricane. Because I have a Reverse Mortgage thru Reverse Mortgage Solutions ( RMS ) the check is written to both myself and my wife, and to RMS. 
The damage is not structural, but for flooring and carpet damage by wind driven water intrusion thru our sliding glass doors. on our 8th floor condo on the East coast of Florida in XXXX, FL, RMS is going to require us to pay for the repairs and then they will reimburse us after we submit the paid receipts for the work done.They will graciously allow us to borrow the money from them which means I will pay interest on I until I die. If I had that kind of money I would not have need a Reverse Mortgage. 

Since our Insurance Co, has determined we should be allowed this money to pay for our repairs I am asking they be directed to sign the check and return to us. We will send them the paid receipts for the work completed..
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been going back and forth with bank of america since XX/XX/2021 in reference to unauthorized purchases and atm withdrawals using my debit card. I have written to them on 4 occasions as they keep closing my dispute as unpaid. The only reason they have given me is to say that I authorized these transactions and I have explained all 4 times that I did not. I was not aware that my card was being used and all those excessive transactions were taking place as bank of america never notified me although the activity should've raised major red flags based on my account usage and history. As soon as I discovered my card was missing I contacted bank of america immediately and also went to the branch. I withdrew pretty much almost all of my money which was almost {$10000.00}, because I was afraid that these thieves would be able to victimize me again. Bank of America did nothing but charge me {$15.00} for a new card that day, although my card was clearly stolen. There were purchases happening in places super far from where I reside and places I have never been. I explained over and over to bank of america that I had nothing to do with this and asked what do I need to do for my claim to be approved as this is fraud. There were back to back atm withdrawals which to me should've been a red flag, because I never do that. I have continuously asked what exactly do they need from me. Bank of america never tells me anything, they just deny the claim and say the transactions were authorized by me. No further explanation and no assistance at all. I am feeling victimized all over again by my bank as I am being accused of something that is not true. 

XX/XX/2021 Unable to pay XX/XX/2021 Unable to pay XX/XX/2021 Unable to pay Claim date : XX/XX/2021 Claim number : XXXX Claim amount : {$1300.00}
Consumer complaint received 2021-05-24
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. (FL)

i have a loan with XXXX XXXX # XXXX phone # XXXX i have agreement with loan care due covid -19 forbearence plan set up for180 days because my loan is a XXXX XXXX holder and now XXXX XXXX  reported to experian my credit agency that i am delinquent 60 days experian have fisco score down from XXXX to XXXX i want to disputed because loan care told me that it reported that way and experian told me XXXX XXXX reported as dilinquent i need this matter to resolved by loan care thank you XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX