davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AZ)

Ally financial has failed to report any information in regards to my payment status since XX/XX/2019. I was in a car accident on XX/XX/XXXX, totaling out my car and my insurance company paid the full remaining balance until XX/XX/XXXX. On XX/XX/XXXX, I called to get an update as their website stated that the payment was still showing as processing, and the representative stated that they received full payment and are waiting for the mvd to release my title but my credit report will update in the beginning of XXXX, showing as paid. I called again on XX/XX/XXXX and was told by the representative that on XX/XX/XXXX, The representative put in a request for my credit status update to be reviewed and it will take an additional 30-45 business days to update. The call was then escalated and a supervisor stated he put in an email to have this information expedited and should hear something within a few days. Today, XX/XX/XXXX, I noticed that my account has been closed and I called to get an update to verify when my account will reflect accurately on my credit report and was told that from the call on XX/XX/XXXX it would take 30-45 business days. I then escalate the call 3 more times and get  another supervisor who states they will email and call me back. 

I have been with this auto company for almost 5 years and have maintained my auto loan until it was paid in full in XXXX. Ally has not updated their credit reporting information for my account since XX/XX/2019 ( showing delinquent ) which is currently preventing me from getting a new vehicle. I have called multiple times due to this inaccuracy putting a damper on my ability to move forward and get a new vehicle and am requesting assistance for them to update their information accurately so that I may move forward.
Consumer complaint received 2020-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TN)

I have reached out to Navient countless times to get the contact information for the company that owns my student loan ( XXXX XXXX XXXX ) but have countless times been told that they do not have the contact information to provide me. I have escalated my concern a number of times and spoken to various supervisors who have escalated my request for information. None are able to provide me with a phone number, email, or mailing address for XXXX XXXX, XXXX. The only information that they are able to provide me with is the contact information for Navient, the company that services the loan. I am the co-signer on the loan and have made over {$21000.00} in payments and the loan still have a balance of over {$47000.00}. 

I have also attempted to be released from the loan as I am the co-signer but that has also not been possible. I have not spoken to the loan holder in 15 years and have no way to contact them.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (MI)

Money Lion reported a late payment on my credit report Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given money lion permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax has inaccurately reported multiple student loan accounts on my credit report from DepEdNelnet and the U.S. Department of Education, despite their duty to ensure maximum possible accuracy under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, 1681e ( b ), and 1681i ( 5 ) ). These accounts, listed in detail in my correspondence, include repeated inaccuracies that violate my rights to privacy and accuracy as upheld in XXXX XXXX XXXX, 1997.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

Complete payment history on this account, to prove that the amount you wish to collect is correct. 
XXXX I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
XXXX Sincerely XXXX XXXX
Consumer complaint received 2024-11-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc. (FL)

I had a prepaid loan paid off with money lion on XX/XX/year> but it has been past the XXXX business days per contract and the loan has not been released I have submitted multiple disputes with money lion and there has been no resolution or updates. 

I have applied per contract but this is not resolved
Consumer complaint received 2019-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (PA)

I received notification from " The Bureaus '' whose company name appears to imply that it has an affiliation with the three major credit bureaus. The company has used its name to give itself an unfair advantage in the debt buyer business and has also abused its position by intimidating consumers with its business name, suggesting that it is associated with the credit bureausXXXX XXXX XXXX and XXXX 

This is a major violation of the Fair Debt Collection Practices Act. ( Sect 807 " False or Misleading representation '' ) This company informed me that I owe them {$910.00}. They have also successfully placed a negative tradeline on my credit reports. 

Under the Fair Debt Collection Practices Act ( Validation of debts ), I have a right to have these debts validated. In order for me to make a determination if what they have reported is accurate, I have requested on numerous occasions - the last in a formal letter - that they provide me with details that validate this debt. As of this date, I have not heard from this collection agency except harassing messages. 

I have never signed an agreement with this company, nor have I secured any loans from this company. The company has ignored my requests for debt validation and has continued to viciously report this item as a negative occurrence on my correct reports.
Consumer complaint received 2024-11-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation (CA)

Albert corporation won't let me cancel my account and they keep forcing me to pay a {$XXXX} a month fee to watch my account. They also take out other money like rainy day fund. I have filed claims with my bank, XXXX to be exact, and also put XXXX stop payments on them with my bank. They keep going in under different names. I need these people to be out of my account. Thank you
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (TX)

On XX/XX/XXXX I informed property that was a a victim multiple robberies. The property manager at the moment explained that I could move once I have another place to move to. Have email to verify the date and what was stated. 
I preceded it to look for a place. 
On XX/XX/XXXX I informed yet again that my property was stolen. At which point I reminded that I am leaving on XX/XX/XXXX. The property at the stated yes verbally and via email that I am not liable for any fees or XXXX rent since I am victim of multiple thefts and that she could not guarantee my safety. I promptly left the property on the XX/XX/XXXX. I have email to verify what was just stated. 

Additional I also have the police reports for such incidents that the property manager alone with my renters insurance used to verify my situation.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (NJ)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a serious matter concerning the unprofessional behavior I have experienced with my credit card provider, CitiBank. As a long-time customer for over seven years, I am deeply disappointed by the level of service I have encountered, particularly regarding a recent dispute I had with a merchant. 

On XX/XX/2024, I made a purchase through XXXX XXXX XXXX XXXX website for a pair of sneakers. After waiting several days for my order, I discovered that it had been canceled without my knowledge, and I was never issued a refund. After trying to resolve the issue directly with Citibank for nearly two months, I learned that they had closed the case in favor of the merchant, despite my clear evidence that my order was canceled. 

CitiBank allegedly sent a notice regarding this decision through the app 's notice section ; however, I never received any such notification. Additionally, I submitted all proof demonstrating that the order was indeed canceled and that I was entitled to a refund. Despite this, CitiBanks dispute department failed to take my side or handle the situation appropriately, siding instead with the merchant.

I have uncovered issues with CitiBanks dispute handling that extend beyond my individual case ; many other customers have voiced similar complaints concerning their disputes with merchants. This pattern of unprofessionalism and poor service is unacceptable. The dispute department appears to lack the necessary competence and commitment to fairly resolve customer issues. 

I am requesting the CFPB 's assistance in addressing this matter. It is crucial that consumers are treated with respect and that credit card companies like CitiBank are held accountable for their actions. We deserve a banking experience that prioritizes customer service and transparency. 

Thank you for your attention to this serious concern. I look forward to your response and any actions you can take to improve the situation for myself and other consumers facing similar challenges. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : oppsloans/finwise : Dear [ XXXX ], I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided.

Your response dated [ Date of Response ] did not include any of the aforementioned details. 
In accordance with the FDCPA, please provide the following : XXXX. The name and address of the original and current creditor ; XXXX. Verification of the debt amount you are attempting to collect ; XXXX. Documentation of any assignment from the original creditor, including my name and the original account number ; XXXX. All relevant information on the securitization of the debt and proof of its reassignment to .Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount.

Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report.

I appreciate your prompt cooperation in this matter. 
amount XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was viewing my credit report and noticed a few accounts and inquiries that I did not notice or recognize. These items are fraudulent and inaccurate and is affecting my ability to obtain credit. These the inquires has no permisable purpose and should be removed immediately. 
Account : XXXX XXXX, XXXX XX/XX/XXXX ; Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Albert Corporation (MD)

I am writing to formally challenge multiple unauthorized credit inquiries made by your company on my XXXX credit report. These inquiries occurred on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 


Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a company may access a consumers credit report only for permissible purposes, such as when the consumer has : Applied for credit with the entity, Initiated a transaction, Provided written authorization, or Has an existing credit relationship. 


I have no such relationship with Albert Corporation, nor did I authorize these inquiries. Therefore, these appear to violate federal law. 

Legal Precedent : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) emphasizes that businesses must demonstrate a clear permissible purpose for accessing consumer reports. In XXXX, a car dealership accessed a consumer 's report without valid justification, and the court ruled in favor of the plaintiff, awarding damages. This case sets a legal standard for accountability under 15 U.S.C. 1681b.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AZ)

Perfect credit for all my life. On XXXX XXXX 2024 XXXX hours Wells Fargo ATM stole my debit card. IU immediately reported it to XXXX ( supervisor ) No explanation given and waited 7 days to receive a replacement. This is the only anomaly that seems directly related to a notification from Wells Fargo and XXXX that my credit score dropped XXXX points. The score drop notification from WF App was on XXXX XXXX XXXX to XXXX, AZ branch manager to get an explanation why my score dropped and what negative conduct is affecting me? I explained that I need to know exactly what caused such an exponential drop in my score when I have never been late on payments, nor over drafting. Ordered XXXX credit reports from XXXX - XXXX - XXXX XXXX negative indicated. XXXX and XXXX scores were close to my average but XXXX was XXXX! 
XXXX and XXXX are XXXX. Contacted XXXX  and they couldn't understand what is negatively affecting my score, advised me to file a dispute which I did to XXXX with nothing negative on my report. They refuse to advise me what is negatively affecting my score or my most recent transactions. ( behavior ) I need to know what act was committed so I don't jeopardize my credit score in the future. Wells Fargo didn't even conduct an investigation and open and closed it same day with XXXX explanations. 
XXXX coincidentally conducted the investigation. Please advise me of what is negatively affecting my credit score.
Consumer complaint received 2024-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IL)

I met XXXX XXXX XXXX online in XXXX of 2023. He said he was from XXXX XXXX XXXX, XXXX XXXX. He promised to give me a better life, a life of happiness and abundance. He said we would buy the hotels and apartment buildings of my dreams, to buy a nice house, nice car, traveling, and open a business. He kept calling me, every day night and day, all night. Until I fall for him and everything was changed. I lost everything, my retirement and all cash money in the bank. He asked me to help him recover his wifes inheritance from XXXX. The inheritance is {$4.00} XXXX, and was transferred to the next of kin, his daughter. But XXXX 's rules are to release the inheritance to the beneficiary, to a mother who will stand as a mother for her. The daughter asked me to be the beneficiary, so I said okay. So they started the process and kept asking me to pay the taxes, the change of name, then the clearance to release the inheritance was {$90000.00}. I was withdrawing money every day, for one year. I would come to the bank every single day to withdraw money to send to him. My two banks were Citibank and XXXX bank. All gone, all cash withdrawn savings and checking, and save retirement accounts for 30 years gone. Withdrawn and transferred to my checking and withdraw to send to different person he gave me. He promised that after paying all that money, he would come to XXXX and pay me double and we would live together. But after paying everything, he never came. I withdrew all my savings, checking, and my IRA account, every thing was sent to different countries and people who will accept the money to pay for the clearances. Total amount of my money and investments {$250000.00}, and {$100000.00} loans and mortgage. Paying monthly payments of {$1200.00} every month and credit cards {$500.00} to {$600.00} every month. Now, Im filing a complaint and asking for help because while I was withdrawing all this money, the bank didnt stop me or freeze my account to protect me.