davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-05
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$2100.00}, {$5500.00}, {$2200.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Consumer complaint received 2020-05-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd. (TX)

XXXX XXXX XXXX has reported an account in collection to all 3 credit bureaus.They did not provide account number, dates, or any identifying information. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license  numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: N.A.R., Inc. (KS)

I would like to make a complaint on XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX  XXXX NY XXXX and an alleged balance of {$1700.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 ( c ) Re-aging the account. This account was closed on the date of XX/XX/XXXX and the five years of statutes of limitations for reporting a balance has past in Kansas on XX/XX/XXXX and they are failing to report it accurately with a balance of XXXX. They are also have a debt collection agency called N.A.R try to collect the debt as well. This account needs deleted under title 15 u.s.c. 1681 ( i ) and they have violated the FCRA and FDCPA according to the following codes. 
1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information on the account longer and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX  circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX F.Supp. XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX  also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

My wells fargo senior banker suggested I apply for a Bank XXXX credit card that rewarded cash payback if I spent a certain amount over a specific period. Note I currently have XXXX XXXX and Bank XXXX XXXX cards. Since I had inplace a XXXX XXXX my bank asked me to temporarily lift the XXXX in order to review my credit to issue the new XXXX card. I therefore notified XXXX and XXXX Both Credit agencies immediately honored my request without delay and initiated temporary lifts. However when I telephonically contacted EQUIFAX on XX/XX/year> provided their Agent XXXX XXXX my answers to all his questions re my identity he said the system was showing an ERROR msg.. Agt. XXXX then sent my cell phone an invite to EQUIFAX which he had me photograph the front & Back my Drivers XXXX. & Social Security XXXX, I did he said he received the photos and he again told me their system came back again with an ERROR. XXXX XXXX instructed me I had to XXXX MAIL the copies of said documents to EQUIFAX. I did XXXX Mail the req. documents to EQUIFAX. Since my life long Credit has been XXXX, I asked to speak to a Supervisor, XXXX XXXX she came on the phone insisted there was no one higher up who could help my issue and I had to Mail them the Documents which I did. On XX/XX/year> having not heard back fr EQUIFAX I called them again. Agent XXXX took my call, I explained the situation, I provided again all my ID he requested again the Agent came back on advised still could Not lift my Freeze and could Not tell me what or where was my Copies of the ID I mailed Equifax that they requested. XXXX XXXX also told me there was nothing they could do to LIFT my Credit Freeze. This failure by EQUIFAX and without any explanation Or alternative not even referring this matter to higher EQUIFAX ranking individual is prevententing XXXX XXXX From issuing me a new Credit Card. I have No idea what future effect or damage to my Credit This EQUIFAX so called ERROR, on the part of the EQUIFAX Credit Reports will have on any other credit checks. Because of EQUIFAX I can't even get MY OWN Security Freeze temporarily lifted, Obviously if XXXX and XXXX had no problem temporarily lifting the Freeze Something is drastically wrong at EQUIFAX Company.
Consumer complaint received 2022-08-14
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. (VA)

XXXX XXXX XXXX XXXX XX/XX/2022 inquiry on my credit file I have not applied for anything with company. This inquiry is unauthorized. Please remove from credit profile and or delete from credit report
Consumer complaint received 2022-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XX/XX/2022 inquiry on my credit file I have not applied for anything with company. This inquiry is unauthorized. Please remove from credit profile and or delete from credit report
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AL)

This letter is to formally dispute the debt you are attempting to collect from me. I am writing to inform you that your recent collection efforts have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of violence. * **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt. * **12 CFR 1006.34 ( d ) : ** This section limits the number of times you contact me * Unexplained charges or fees added to the * Immediately cease all communication attempts regarding this debt. * Verify and validate the debt with documentation. * Remove any inaccurate information about this debt from your records. I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.
Consumer complaint received 2022-08-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OK)

XXXX is the month I got behind trying to get current, monthly payment are XXXX so I filed a HAF application and it came back denied saying I didn't turn in all the document but I did, my mortgager is Newrez and I'm in communicating with loss mitigations. Not in the 90 day window yet for foreclosure been making half payments. My employer reduced my wages is the reason I'm behind just need some help bringing me current!!
Consumer complaint received 2022-08-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Furthermore, I have never missed a payment on this account.
Consumer complaint received 2024-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TN)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX. 

As a matter of fact, XXXX XXXX  was investigated by the FTC and charged with making misleading claims about high graduation rates and high rates of job placement within XXXX months of graduation. Furthermore, XXXX was involved in a class action lawsuit XXXX, et al vs. XXXX XXXX XXXX, in which I was a full class member resulting in a settlement I received. 

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX, and my Fed. loans of {$90.00} were discharged and my credit repaired. My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''.

But, loans made to students in states outside of the agreement, or those who were not in default fo
r XXXX months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but, what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 

After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

Furthermore, I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are.

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have misrepresented themselves to the public in order to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these private loans made to attend online for profit schools NOW!
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I initiated a outgoing wire from XXXX XXXX XXXXXXXX to Chase. The wire was duplicated, money was received twice. The receiver went to his branch office to return the funds and was told that the bank would not process the transfer. Branch representative said that this was fraud and refused to return the funds. Chase has blocked every effort to recover the duped transfer, violated fiduciary duty, and alleged factually incorrect allegations. Branch rep was rude, unprofessional and difficult.
Consumer complaint received 2022-08-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Furthermore, I have never missed a payment on this account.
Consumer complaint received 2020-11-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MD)

I would like to report that PNC Bank failed to offer me a forbearance to save my home. I was told that a loan modification was my ONLY option, when in fact, I could apply for forbearance per our Governor, XXXX XXXX. I found that I was also protected through The CARES Act. 

I had to hire a professional to help me through the process. I attempted to handle the situation myself, however, my attempts were unsuccessful due to my lack of legal knowledge surrounding the situation. 

Please see the attachment to get more details on my case.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (VA)

I filed a dispute on XX/XX/ 2020 due to a cancellation of a reserved trip because of COVID-19. I have paid {$1800.00} in monthly payments and have proof of the payments being charged from my account. On XX/XX/XXXX, I was denied to receive my money back due to my bank not being able to contact the merchant. The merchant has shut down their website and there's no way to contact them. 
My bank, Wells Fargo will not agree to these transaction to return the money.
Consumer complaint received 2022-08-14
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. (AZ)

There is an account that is closed and reporting late on my credit report. I have never been late on this account and a closed account can't report a late payment. I have disputed this information and the bureaus refuse to remove it. 

XXXX XXXX reported a late payment for 60-89 days in XXXX but this account was paid off in XXXX and wasn't late in XXXX, XXXX, or XXXX.
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Dear CFPB Officers, On XX/XX/2022, I have made a purchase on XXXX for an order that requires signature. My previous order was lost because XXXX left it unattended and did not collect my signature although XXXX said, " Signature required at time of delivery '' on its " Place Your Order '' page ( I also filed a complaint about it with CFPB moments ago ). This time, I decided to stay at home during delivery time frames to make sure my order was fulfilled correctly. 

An XXXX delivery guy threw my item in front of my doorstep and ran away, again. I caught him on his way, confronted him, and asked him why he did that although my order was classified as signature required. He asked if I still want it or not, he said he did not have time, and if I don't want it, I can give it back to him. Frustrated, I decided to open the package to make sure it was OK as he threw it violently. Surprisingly, I realized that was not I ordered although the name on the package is mine. 

I asked him about this, inspected the package with him, and asked him to be my witness in case XXXX argue about this. The XXXX delivery guy took out his phone, called somebody that seemed to be his manager, and asked me to talk with him over the phone. The " manager '', together with the delivery guy, encouraged me to return the item for a full refund. Importantly, they assured me that I can return it to the delivery guy right at the scene. I doubted a little bit, but still agreed to do so. 

All of the incidents are recorded using my cellphone since I was recording a video for my friend to look at my house at that time. 

I also believe that the video is a proof of returned merchandise since it shows that XXXX delivery guy left with my returned item on his hand. Besides, the video proves that the item I received was different than what I ordered on the website, and XXXX delivery guy left my package unattended, again ( despite the fact that my order was " signature required '' ). 

I have provided XXXX as well as Synchrony Bank all above information and asked for a full refund. Again, they refused to do that and kept asking me to provide the tracking info of the returned merchandise, which is not applicable in this case. 

As in the previous complaint against XXXX and Synchrony, they kept repeating one thing and ignore all my points although I sent them the proof of returned item and wrong item delivered. 

XXXX must seriously take the major issue of not collecting customers ' signatures for signature-requiring-orders. With some research, ones can easily find that many customers also caught XXXX delivery guys signed for customers or marked the order as " handed directly to resident '' although the order was left unattended. I have friends working in XXXX XXXX delivery department and they also confirmed that this issue is true and happens all the time.
Consumer complaint received 2024-01-17
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. (GA)

My information was used to open a fraudulent account, Ive reported this to the company countless times yet they still refuse to remove these fraudulent account from my credit report. This is a violation of my consumer rights and the Fair Credit Reporting Act. These accounts need to be deleted from my credit report immediately.
Consumer complaint received 2020-05-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems has reported an account in collection to all 3 credit bureaus.They did not provide account number, dates, or any identifying information. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within  30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.