davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

I am a XXXX XXXX worker, and work at XXXX XXXX. 
During Covid, I was marked late for XX/XX/XXXX, for my Comenity and Express cards Comenity Bank Express card : XXXX and Victoria Secret Card : XXXX. 
I had over $ XXXX in my checking account to make the payments on these, however I came down with XXXX  and the rest of my family was XXXX  as well. 

I was in no mental and physical shape to attend to my mail. I was sure that I had made a payment online, but apparently Comenity claims nothing was received. 
After finding out I was marked late checked the Comenitys website which said I would only be marked late if payments werent received for 60 days, however I was still marked late despite not being 60 days late. 

I am trying to apply for a mortgage and these late payments have destroyed my chances. Im a loyal and happy Comenity customer, Ive read Comenity has made adjustments for people affected by Covid and I hope that Comenity can remove the XX/XX/XXXX, late payments off BOTH my accounts, given that Im a XXXX XXXX. 

Accounts information : Account information number 1 : Account name : COMENITY BANK/EXPRESS Account number : XXXX Balance : {$83.00} Date opened : XX/XX/XXXX Account status : Open Account information number 2 : Account name : COMENITYBANK/VICTORIA Account number : XXXX Balance : {$1500.00} Date opened : XXXX XXXX, XXXX Account status : Open Please see attached my XXXX XXXX ID. 

Solution : remove XXXX late payments XXXX from my accounts.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I got an email on XX/XX/16 at XXXX pm saying I opened up an account with Citizens Quest Checking. However I never opened such an account, I called and Citizens was very helpful. They closed the account & are going through the proper channels to get this resolved. I feel like my info was leaked on either XXXX XXXX or XXXX because as soon as I opened an account with them, this happened.
Consumer complaint received 2019-03-06
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)

On XX/XX/XXXX, I disputed an item on my credit report at Experian. The dispute concerned reported late payments on a student loan account with XXXX ( XXXX XXXX XXXX ). The student loan was in deferment untilXX/XX/XXXX, but XXXX reported late payments inXX/XX/XXXXand early XX/XX/XXXX. In support of my dispute, I submitted copies of notices from XXXX approving forbearance for all the periods covered by the supposed late payments. OnXX/XX/XXXX,  XX/XX/XXXX, Experian notified me that the information would not be changed, because XXXX claimed it was correct. The dispute summary made no mention of the attachments I submitted or how they reconciled the discrepancy between those attachments and the claimed late payments. If forbearance was granted, there could be no late payment for a payment that was not due. This late payment report resulted from the XXXX practice of delayed processing of forbearance requests and billing in the interim. When the forbearance is later granted, they do not correct the late payment record.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The inquiry was not authorized XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized CAPITAL ONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Opportunity Financial, LLC (AZ)

An account ( loan ) was opened without my consent XX/XX/XXXX XXXX it was an individual installment, with frequency bi-weekly for XXXX  months. The balance is {$3500.00}. There was a first reported on XX/XX/year>. The account ends in XXXX. The company name is XXXX/OPPLOANS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Never have traveled/nor reside in XXXX. My identity is being used to open accounts without my consent. Please I urge you to help.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had a credit card on file with XXXX, and was charged in error for a service I did not receive. The hotel was informed and I disputed the charge of {$100.00} with Capital One, who confirmed the dispute, removed the charge, and resolved my issue from XX/XX/2016. I have found that Capital One has recently reinstated the charge, refused to allow me to dispute the charge, and is harming me financially by charging interest on a balance which was disputed/already removed. I have contacted XXXX representatives in order to notify them of their error. They advised they could not assist, could not read the letter they sent, and advised they were able to confirm the financial harm, the additional charge being applied, but did not see a reason to help. They referred me to a letter which is still in transit, advised I have n't responded to it, even though I am literally talking to them during this conversation, and they still would n't tell me what is required to get them to complete the request again ... I do n't understand why this is legal and would like a federal review to ensure the employees involved are investigated and my case resolved to ensure I am credited the {$100.00}, any interest applicable, and any restitution due under law. I require written confirmation from the CEO of their apology for their errors.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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 2023-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

On XX/XX/23 I attempted to reached out to an unknown creditor that seems to be an alleged debt after making several disputes this unknown creditor came back as verified on XX/XX/23 I disputed again with this company asking what method of verification was used in order to determine this alleged debt that belongs to me there was no further reply from the company as of XX/XX/23 still no reply of a request of method of verification this account updates every month with inaccurate information there is no valid contact information either to speak to a representative or customer service no email nor phone number to contact
Consumer complaint received 2022-01-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Student Loan Solutions, LLC (FL)

To Whom It Concerns, In XXXX of XXXX, I received a letter from XXXX XXXX XXXX, PA, located XXXX XXXX. XXXX, FL XXXX attempting to collect a private student loan debt. The last payment on that debt happened on XX/XX/XXXX. It's been in default, which I'm not proud of, and I've never been sued on it prior, nor have I made any payment or payment arrangements since the last payment in XXXX. I made this very clear to the law firm, XXXX XXXX XXXX, PA, who is representing Student Loan Solutions LLC. They claim the statute has not expired and then proceeded to file a complaint on XX/XX/XXXX, in XXXX XXXX XXXX XXXX XXXX. I have since been served, on XX/XX/XXXX. In the lawsuit, they provided, as the first exhibit, the original promissory note I signed back in XXXX ; however, the lawsuit is for much less than the ending balance of what was due when payments stopped. In the lawsuit, which is obviously time barred, they didn't provide a payment history ( which I actually have ), they didn't provide any proof that the plaintiff owns the debt, and they made false statements. They are clearly filing illegal lawsuits and taking advantage of people, and they will, no doubt, win default judgments from the many folks who don't know the law and/or ignore the lawsuits. Furthermore, I believe they are in collusion, with the many defense attorneys, who keep on soliciting me for their services against the lawsuit. The defense attorneys I spoke to, through consultation, have advised me to settle, rather than fight and/or motion for dismissal, on a debt that is clearly time barred and weak, even if it wasn't time barred. These people are breaking the law and this needs to be corrected before too many people suffer unjustly. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (CA)

I missed an XXXX payment and got my loan caught up with my XXXX payment. Just about every month since then I have been getting escalating notices of failure to pay even though my payments are more than the minimum. I have called in several times and thought the problem would be resolved after they realized they miss credited my payments. 
The letters dont stop and become more threatening. This last letter says I am in default for {$36.00}
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (IL)

I have a closed paid in full shop your way master card Account showing on XXXX an XXXX Credit report not XXXX credit report.. 

Why was this removed from my XXXX  report
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2017-02-03
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (PA)

I contacted my current mortgage company to inquire about refinancing my loan to shorten the term from 30 to 25 years. After speaking with XXXX I submitted an application based on the terms he presented. I was provided with an extensive list of verifications to gather and submit and completed an application over the phone with XXXX. After several days of repeated requests to submit and resubmit the same paper work, I grew frustrated and wrote an email to XXXX informing him that the process was taking too much time from my business day and I didnt care to continue if there would be more paperwork required. XXXX wrote back to indicate he only needed a pay stub and after that he was sure the underwriter would approve the loan and there wouldnt be the need to continue searching for and sending documents. Based on his email to me, I agreed to provide him with the {$500.00} non-refundable fee believing that he was operating in good faith and i would proceed toward a loan. After sending them the funds and waiting a few days I got another message from XXXX indicating that the underwriter now wanted another 8 or 9 pieces of documentation, many of which would take hours and even weeks to obtain, and several that had been submitted previously, some of them more than once. I called to complain and was connected with a supervisor, XXXX, who proceeded to tell me that I never qualified for the loan in the first place and should have been stopped at the application because I do not meet their income to debt ratio. At this point I dont care about the loan, but am curious and very angry about a mortgage lender taking money from me for a loan he knew he could n't make, and worse, wasting significant portions of my time providing documents when the loan had already been essentially denied due to failure to meet credit standards.
Consumer complaint received 2021-04-28
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. (CA)

According to the credit bureaus, their data shows a mortgage of {$380000.00} with creditor name " XXXX XXXX '' on my property at XXXX XXXX XXXX XXXX CA XXXX, but I have no mortgages on any of my properties. Moreover, I have never dealt with XXXX XXXX at any time. I called them today and they confirmed they show no loan on the property, and no record of my SSN or my wife 's SSN ( we are joint tenants/community property owners ) in their records.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/24 I obtained a copy of my consumer report from the consumer reporting agencies ( XXXX, Transunion, XXXX ) I noticed multiple accounts furnished with inaccurate information. I had previously contacted these corporations requesting an investigation however to no avail. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts have been properly verified nor have I ever entered into a consumer credit transaction with these corporations. According to 15 USC 1681s ( a ) you are required to provide adequate evidence for maximum accuracy in your reporting. A copy of a legally binding contract with my wet ink signature will suffix between these companies in myself if this evidence can not be provide after your investigation then you must according to the FCRA permanently remove these items from my consumer report because they are causing grave damage to my overall character.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MEI AUTO FINANCE INC (TX)

I purchased a car from MEI , Inc./XXXX in XXXX. The company lied to sell me a bad car, I've had numerous issues with the car. My final issue was on XX/XX/XXXX. I then had the car towed to the company, told them they can have the car back and I agreed to pay the remainder of the car contract. They agreed to it. I continued to make the car payments every 2 weeks, while they kept calling me to harass me about getting a new car. On XX/XX/XXXX. XXXX, when they called, I gave them an attitude and told them to stop harassing me and I would never buy a car from them again. On XX/XX/XXXX, I went to log into my account to make my payment and my account was locked. I called them up and they told me I couldn't make a payment and they closed the account and I didn't have to worry about anything. I went to look for a new apartment in XX/XX/XXXX and was told I had a repo on my credit report with missed payments. The company started reporting late payments after they locked me out of my account and wouldn't let me make payments. When I called them, I told a lady what happened and that it was illegal to falsely report thing to credit agencies. The lady told me that if I had an issue I could do what I needed to do, but they have lawyers. I've asked for a copy of the contract and the ledger of all payments and they won't give it to me. I never had one missed or late payment for the duration of the account being opened. I've tried talking to someone high up, but no one will respond. They broke the contract by not letting me make payments. They reported missed payments in the months after the account was closed. They reported a missed payment for the months following a closed account. They closed the account in early XX/XX/XXXX and the months following were reported as missed payments. XX/XX/XXXX- XX/XX/XXXX. I filed a complaint with The Texas office of consumer credit commissioner and they lied to them. MEI said I was in their office on XX/XX/XXXX. I haven't been in their business since I got the car in XX/XX/XXXX. I asked for a security camera picture of me and they hung up the phone. They also told them I abandoned the vehicle the week of XX/XX/XXXX. I had the vehicle towed to them on XX/XX/XXXX. They said I contacted them on XX/XX/XXXX and agreed to make payments. I contacted them XX/XX/XXXX. XXXX and agreed. I made a payment every 2 weeks like I had always done, by the contract. Until they closed it without notifying me. They said they sent me a letter to settle it, and I never received it. I asked them for proof, like a tracking number or if they requested a signature and they said nothing. I asked for a copy of that letter and was told, we only send it out once. I was good to them, never missed a payment. This company has been caught lying and reporting false information multiple times. I will attach a copy of the OCCC letter to me, so you know what they said. There will be 2 photos, for the front and back of letter.
Consumer complaint received 2022-01-16
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: LJ Ross Associates (OH)

On XX/XX/2021, L J ROSS ASSOC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, L J ROSS ASSOC has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Machol & Johannes, LLC (CA)

I have an alleged debt with the company Machol and Johannes. They are a law firm that holds my alleged debt that i previously allegedly had with a credit card company. I fell on hard times and was medically unfit to work so I couldn't pay the debt, in the event that it is mine since they have failed to provide any kind of verification for it. Now, I have a job, and I want to pay any verified debts i may owe. However, after phone calls from them, and my information displayed on their website saying I owe them $ , I sent them a debt validation letter through certified mail with a return receipt. I sent this letter on the XX/XX/XXXX, and they received the letter on the XX/XX/XXXX. I have not received a response as of yet. I was under the impression that they were required by the law ( fair debt collection practices act ) To respond within 30 days. It has been well over that. I can provide any other info you guys need. I don't have all the phone calls, but there were a decent amount. I just want them to validate their debt, but I do not find it fair that my debt is continuing to increase when they will not respond to requests to validate the debt so I know I actually owe it to them. I am in a state of being unable to pay them due to their inability or failure to verify it, meanwhile I am making them interest money. More precise details are below in the attachments i provided. Here is the name and address of their business. 

Machol & Johannes LLC XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also known as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$38000.00}, which the account was opened XX/XX/2019. I have never paid 30-days late and when I contacted XXXX XXXX , they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 3rd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!