davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DC)

My vehicle loan with Credit Acceptance Corporation became delinquent in XXXX. They charged off the account in XX/XX/XXXX and continued to report charge off account for XXXX, XXXX, and XXXX of XXXX. They changed the account from charge off status to delinquent in XX/XX/XXXX. The vehicle is inoperable however to work on improving my credit I began making payments on the account after the charge off. The account is reporting past due over {$8500.00} with a balance due of {$9000.00}. CAC reporting strategy is causing me to show as if I have an account that is open and seriously past due. Lenders are more likely to work with you if there is a charge off account that you are paying down verse an account reporting as open and over 150 days past due. The account had been charged off and should remain in that status. I am curious to know if CAC took advantage of tax benefits from charging off the account. I believe this is a deliberate act to further damage their customer 's credit when they default on a loan. I am also not in agreement with the way that they allow you to make a payment arrangement but will not update the credit reporting to reflect the payment arrangement. When you call to speak with their customer service representatives they do not seem to be able to help you beyond making a payment.
Consumer complaint received 2021-08-29
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NC)

I am in receipt of a computer-generated letter from your company XXXX XXXX, unsigned, unverified, unvalidated statements alleging some kind of debt. 
It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 
Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 
Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between ( ME ) XXXX XXXX and alleged debt. I've ask for this information 3 times and you have not complied. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, it any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, If any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Consumer complaint received 2022-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I got an email from capital one. It said capital one auto refinancing ( ( NO IMPACT ON YOUR CREDIT REPORT ) ) ( ( NO HARD INQUIRY ) ) I click on the email to read it. It tells me to put in vehicle information and to fallow to prompts to see what the offer is. After I did so and seen what the offer was I excited out as it was not a good offer. Next thing I know I get an alert telling me a hard inquiry was opened on my credit report on XX/XX/2021. I have called them 10 times over the past year to have them remove it. I have even done so with all 3 credit reporting agencies and sent them copies of the email, that stated ( ( NO HARD INQUIRY ) ) They still refuse to remove it. I still have copys of the emails as proof.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WY)

I am filing a complaint against equifax in regards to being a data breach and being victim of idenity theft/fraud and them reporting XXXX acounts negatively affecting me.under 15usc1681 c-2 they have to block/delete these accounts within XXXX business days of receiving this complaint.acount # XXXX XXXX  acount # XXXX balance of {$26000.00} opened on XX/XX/XXXX acount # XXXX XXXX  XXXX  acount # XXXX balance {$1400.00} opened on XXXX XXXX acount # XXXX XXXX  acount # XXXX balance {$63.00} opened on XXXX XXXX I have attached ftc report # XXXX as proof.please delete these accounts immediately
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been disputing 6 charge offs listed on my consumer report for months with no success from the companies or the three consumer reporting agencies. The status of these accounts are inaccurate and continue to harm my character, reputation and ability to obtain credit for personal and household purposes. My consumer rights have been violated and I demand that these accounts be deleted, and I am seeking {$1000.00} per violation.

Per IRS publication, a charge off is a cancelled debt and the consumer is required to report the charge off amount as gross income regardless of if they receive a 1099A from the lender. I amended my 2021 tax return and reported all charge offs as gross income. I now owe the IRS. These accounts listed on my consumer report as charge offs are now incorrect and inaccurate. I have sent letters to all three consumer reporting agencies, and they continue to come back verified which brings me to the question, what is the investigation process? How are these accounts coming back verified if I am the only one that can verify anything on my consumer report? I never gave any written consent for any of these accounts to be on my consumer report, so they are being illegally reported. I have been denied credit due to these negative accounts being listed on my consumer report, which has caused me and my family grave harm. In my current position, 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. This has put me under extreme stress and could have easily been avoided if the consumer reporting agencies did their due diligence. My next step will be Federal Litigation if this is not remedied asap. I have identified below which of my consumer rights have been violated.

1. 1681e ( b ) Compliance procedures 2. 1681b. Permissible purposes of consumer reports 3. 1681c. ( 5 ) Requirements relating to information contained in consumer reports 4. 1681i. ( 7 ) Procedure in case of disputed accuracy 5. 1681n. Civil liability for willful noncompliance 6. 1681a. ( 2 ) Definitions ; rules of construction
Consumer complaint received 2024-09-15
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: EQUIFAX, INC. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consists of a mobile account open on XX/XX/XXXX to XXXX, a XXXX XXXX account open on XX/XX/XXXX and an unknown line of credit for XXXX XXXX last reported on XX/XX/XXXX These accounts and other personal information that was used resulted in several fraudulent hard inquiries on my credit profile. I've attached a list of the fraudulent inquiries in questioned " I have went through all of my credit reports to identify the unknown activity. The aforementioned accounts, collections, and hard inquiries appearing were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results from the identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have been the victim of identity theft the credit bureaus will not comply and delete all the accounts that were fraud I have not applied for any account and I have a police report regarding this incident so hopefully the credit bureaus will remove all of the accounts from my report my score Was XXXX before all this took place
Consumer complaint received 2024-09-15
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: EQUIFAX, INC. (PA)

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2024-09-14
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)

On XX/XX/2024, I contacted XXXX XXXX Bank about the incorrect credit card Account they furnished on my XXXX XXXX, to no avail. I have been calling all the Credit agencies also to remove these accounts, and they have not done so. 
My credit have been impacted also my quality of life, which is very detrimental for me.
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent Transunion disputes regarding the XXXX  account not reporting accurately across all three credit bureaus, specifying that I woud like this account to be removed for all of the inaccuracies and they have not done anything but update this account. 

I have also filed a police report and sent an identity theft affadavit to XXXX XXXX, but Transunion has come back stating they have said its verified. I know this is not true because they have not even finished their own investigation yet. Transunion seems to not be investigating my issues thoroughly and just sending me automatic responses it seems.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

After carefully reviewing my consumer report, I have noticed that XXXX has been reporting an account to my consumer reports. I did not give any express permission or permissible purpose to report anything on my consumer reports. As a consumer, I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, and 15 USC 6801. My private information should remain my private business, and student loans are considered my private information. Your company reported my private information without my consent which constitutes aggravated identity theft due to the fact that I did not give you permissible purpose to report any information on my consumer reports. As a consumer, you XXXX have an obligation to protect my personal non public information. Section A of this law 15 U.S. Code 6802 is saying that your company, XXXX, is not obligated to report or disclose any nonpublic personal information to a third party company such as a consumer reporting agency. A third party consumer reporting agency has no affiliation with your company XXXX ; therefore, you are not required to disclose any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Nonpublic information consists of my name, my address, my account, or account number. This is not public information.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

My previous spousal consolidation loan servicer gave me bad information and made recommendations that have cost us XXXX XXXX XXXX of dollars in compounded interest. I was given bad information about my eligibility for PSLF as the holder of a spousal consolidation loan. Initially, we were encouraged to join the income-based plan because we were told we were eligible for PSLF. This was not true.

At the point where I thought we would have been eligible for forgiveness, I was then told that only payments made while both my spouse and myself were both employed full-time in public service could count towards forgiveness. So we were told to remain in the income-based program. This also was not true.

When I again tried to apply for PSLF, I was told that we did not have an eligible loan type and that my servicer was not participating in the PSLF program. I was told my loan would be sent to another servicer who was participating. Now Navient is my loan servicer. They have provided the same bad information.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

A new collections account with XXXX XXXX XXXX XXXX was added to your Equifax credit report. * XXXX XXXX XXXX XXXX and I are currently going through a legal dispute which no judgment has been made. My lawyers and I have requested for XXXX XXXX XXXX XXXX to prove that I made business with them. I have requested contract with my signature and XXXX XXXX XXXX XXXX has yet to send me any written agreement that I've done with them. I am not aware nor have I done business with this company. 

XXXX XXXX XXXX XXXX is a " debut buying collection '' company whom I did not authorize use of my personal information.
Consumer complaint received 2024-09-14
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: EQUIFAX, INC. (FL)

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-04-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (CO)

My Lease was for 39 months, XXXX miles for a XXXX XXXX XXXX. It started on XXXX XXXX. I turned it in in order to purchase a new XXXX XXXX on XX/XX/XXXX. It was at XXXX miles and normal wear and tear. Despite this I was informed I had to pay for the wear and tear, approximately {$700.00}. I was able to talk it down to approx {$300.00}. However, it was a compromise and I should not have had to pay anything per my contract.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on I.C. SYSTEM, INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-12-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MA)

I know you don't know me from a hole in the wall but I am in desperate need of some help after reading your article, I figured you may be able to help. 

I live in XXXX, MA and I have an FHA mortgage with Flagstar Bank. My husband and both lost work due to the pandemic and welcomed a baby boy in XXXX of 2020 who was in the NICU for several weeks. 

I filed the loss mitigation application and was approved. As of XX/XX/XXXX, we have been out of the forbearance plan and followed the instructions to put the lump sum at the end of the loan. We are both back working and can afford the monthly payment. I submitted a 4 month payment as a sign of good faith in XXXX ( {$20000.00} ) and paid XXXX 's mortgage which is {$4000.00} but I paid {$4200.00} to show I can pay more if needed. 

I was originally denied the first loss mitigation and appealed it with all my documents of my son 's birth, his hospital records, loss of income from myself and my husband and the documents showing we are both working, pay stubs, ect. 

As of today I called and was told the appeal had been denied and that the loan will go into foreclosure. They couldn't give me a timeframe but told me I had no other options unless I could come up with the past due amount of {$80000.00}. I am 7 months pregnant with a toddler and can not lose my home. I have nowhere to turn. The state of MA has a program called RAFT that I've applied for but is only XXXX. I don't know what to do. How can they do this? I'm sure there are many people in my situation and I don't know what to do. 

Please help.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

On XX/XX/23, at approximately XXXX, I was attempting to increase my weekly cash in limit on Cash App for investment purposes. One of the first search results on XXXX was linked to a supposed customer service line for Cash App, which was a fake support line. Upon speaking with the representative, they instructed me to sell my investments in order to increase my cash in limit. This was understood to be a requirement in order to reset the weekly limit on my account. I only agreed to do this because I believed it was the valid Cash App customer support line. They ultimately remoted into my smartphone through the XXXX XXXX XXXX access app, stole all of my money in the account ( ~ {$8200.00} ), and then wiped all of my data including account statements, transaction history and tax forms. Once my money had been stolen, they disconnected and hung up the phone. The number they used is ( XXXX ) XXXX. 

Once I identified the fraud, I immediately contacted Cash App to alert them of the scam and notified them that I did not intend to authorize this transaction and it was done under false pretenses. However, upon reviewing my case they quickly rejected my claim and said that it was authorized when it was clearly fraud. I also attempted to inquire about them pulling my transaction history since it is inaccessible to me, and they indicated several times that it was not available. Currently they are refusing to provide a refund for the stolen funds from my account, have again rejected my claim, and are not providing me any supporting documents or transaction history of what occurred. 

I have now lost all of my funds in my account, I am not able to gain access to my transaction history, and have no tax forms for any prior transactions. I find this unacceptable that the company is unwilling to seriously consider my claim given I have provided sufficient evidence of the fraud, and that they seemingly have no backup information tied to my account that they are willing or able to provide me. It's very frustrating as a consumer that this company seems unwilling to help and doesn't seem to have any information I feel I am entitled to as a customer. 

My claim number with Cash App is XXXX for reference.