davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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: WELLS FARGO & COMPANY (GA)

15 US. Code 5 16816-2 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. it has been 30 days and XXXX and XXXX are in ViOLATION of this law because I am a victim of identity theft. I need the XXXX XXXX XXXX account and all unauthorized inquiries deleted IMMEDIATELY These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 US Code 1683b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I DID NOT OPEN THESE ACCOUNTS! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OK)

During XXXX and after, Navient kept reporting my student loans delinquent which plummeted my score and caused unnecessary hardship. Today I contacted XXXX to ask if Navient was still a loan servicer of mine considering I received correspondence from Advantage saying they have taken on my loans. My rep at XXXX told me Navient is no longer a servicer and should not have been reporting my payments delinquent as that would be illegal. Nonetheless they still are sending me bills and impacting my credit score. I do not know what to do to stop this.
Consumer complaint received 2024-09-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (PA)

In accordance with the fair credit reporting act and 15 U.S. Code Chapter 41, this creditor has violated my rights.

Under 15 U.S. Code 1692c - Communication in Connection with Debt Collection 1. Limitations on Contact : Debt collectors can not contact me at inconvenient times or places. Specifically, they can't call me before XXXX XXXX or after XXXX XXXX. unless I agree to it. This company calls and texts me even after I have requested them to stop in writing and verbally. I have received calls at XXXX XXXX on a Sunday. If I request that a debt collector stop contacting me ( in writing ), they must cease communication, except to inform me of specific actions, like legal proceedings. 
2. No Contact at Work : If I inform a debt collector that I can not receive calls at my workplace, they must stop contacting me there. This company has called my work place. 

Under 15 U.S. Code 1692g - Validation of Debts 1. Debt Validation Notice : Within five days of first contacting me, a debt collector must send me a written notice with details about the debt, including : * The amount owed * The name of the creditor * A statement of my rights to dispute the debt 2. Right to Dispute : I have the right to dispute the debt within 30 days of receiving the notice. If I do so, the collector must stop collection efforts until they provide verification of the debt. I have not received a notice.

3. Proof of Debt : If I request it, the collector must provide evidence that you owe the debt, which may include documentation from the creditor. 

My credit report has been negatively affected and I did not give the company permission to furnish any items on my credit report. 

This debt has not been validated and I did not receive any notices prior to the item being furnished on my credit report.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I recently started a claim with Chase Bank regarding my checking account and the large amount of funds that were withdrawn from it. I did not know who or how these charges occurred, as I was not the one who made these charges, and so I filed a claim with Chase. After XXXX weeks, Chase decides that this claim was made by me. Upon gathering more information, I asked around my family to see if anyone made this charge when I remembered that my senior father borrowed my phone for a short period of time in the morning of XX/XX/XXXX, when the charges occurred. He told me he fell for a scam and sent the money to a misleading individual that I have no connection with or whom I've never met. The XXXX  is from XXXX, and I am based in XXXX XXXX. I do not understand how this would make any sense. I do not blame my father since he is older and most likely made this by mistake. I do not want to press any charges, and my father has since apologized and learned from his actions.
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

i had a home mortgage with Wells Fargo and they did not approve a refinance for me and i subsequently sold my home as in a fire sale to have just enough to pay the loan and the broker commission. I recently read in an XXXX aticle of XX/XX/2023 which stated that Wells Fargo may owe me money from a multi XXXX dollar settlement. as i can not find anyway to contact a Wells Fargo representative, i am filing my complaint to you in the hopes of recovering some monies.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

XXXX XXXX has XXXX both of my savings accounts, one of which my paycheck is direct deposit into. I have called them on XXXX, when I finally get to the correct department on XXXX, they wont tell me why exactly my accounts have been block. But the first time speaking to someone in the correct department they took all my employment information and told me they will review but cant tell me when the accounts will be un blocked.On XXXX I called again and ask them to tell me why my accounts are block again they wouldn't say, only that they needed more information on my personal worth! 
I provide that information and again they said they would review but they cant tell me when the accounts will be unblocked. I asked please expedite my request because my paycheck goes into that account and I need access to my funds.
Consumer complaint received 2024-09-30
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: OneMain Finance Corporation (MD)

Dear CFPB, I am filing a formal complaint regarding an unauthorized hard inquiry from OneMain Financial that appeared on my XXXX credit report on XX/XX/XXXX. 

I initially disputed this inquiry directly with XXXX on XX/XX/XXXX. Despite providing all necessary information, including proof that I did not authorize or initiate any application with OneMain Financial, XXXX has failed to remove the inquiry or provide a satisfactory resolution. 

Details of the Complaint : Company involved : OneMain Financial Inquiry date : XX/XX/XXXX Credit Bureau : XXXX Nature of the complaint : Unauthorized hard inquiry I did not apply for any credit or loan with OneMain Financial on or around the mentioned date, nor did I give permission for them to access my credit report. I have made reasonable efforts to resolve this matter directly with XXXX, but I have not received a response or resolution. The inquiry is negatively affecting my credit score, and I believe it is a violation of my consumer rights. 15 U.S. Code 1681i I am requesting that the CFPB assist me in getting this unauthorized inquiry removed from my credit report and ensuring that my credit score is restored. 

Thank you for your assistance in resolving this issue promptly.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Please help me remove this collection as I do not have any contract with the collector reporting to my credit. Secondly they arent able to provide me the original contract nor give me information since its not my account. Please help me get This removed as I am a young XXXX trying to grow and my Credit is stopping me
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

i have been disputing XXXX, EQUIFAX, AND XXXX about these inaccurate and incomplete items they are reporting on my credit report and have not deleted nor sent me documents verifying the validity of the alleged debt. I have usps certified mail tracking numbers for all letters with no response. please see the attachment below
Consumer complaint received 2024-09-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

Date : XX/XX/2024 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Validation for Acct # XXXX To Whom It XXXX Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within XXXX  days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 
XXXX paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 

If your offices fail to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I am filing this complaint against LVNV Funding LLC due to their repeated failure to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and request for proper documentation, LVNV Funding LLC has failed to provide sufficient proof that they have the right to collect this debt. 

The only documentation I received was a generic account summary and a copy of an old statement from the original creditor, XXXX XXXX Bank, which does not meet the legal requirements for debt validation. Specifically, I requested a signed contract or an agreement proving the validity of this debt and their authority to collect, but they have failed to comply. 

The account in question continues to be inaccurately reported on my credit reports, and the insufficient validation provided by LVNV Funding LLC is in violation of my rights under XXXX U.S.C. XXXX ( b ) and XXXX XXXX. XXXX. 

As this inaccurate and unverifiable account has caused significant harm to my XXXX XXXX, I am requesting that this account be deleted entirely from my credit reports. XXXX XXXX LLCs continued failure to comply with debt validation laws has left me with no other recourse but to file this complaint.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TX)

I filed XXXX XXXX bankruptcy on XX/XX/XXXX. I opened this account AFTER filing for bankruptcy. I opened the account on XX/XX/XXXX so therefore this is a post petition debt. The creditor reported to the credit bureaus that this account has been included in my bankruptcy which caused my score to drop XXXX points.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (GA)

{$19.00} charge on XX/XX/XXXX statement. cleared my bank on XX/XX/XXXX was due XX/XX/XXXX. Synchrony Bank claims XXXX not paid. My bank ( XXXX provided the tracking number of the debit from Synchrony to show that it was paid but they still say we owe them the XXXX, We provided dates by fax with numbers to show it was paid. XXXX letter from Syn. states we still owe the amount. again we prove the money was paid but they say that they can't verify what they did with the! XXXX. So I will still have to pay on my XX/XX/XXXX statement. 
So what is my recourse?
Consumer complaint received 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MI)

AFNI collection agency has reported an account to the Credit Bureau as being delinquent and in collections. This company has not attempted to contact me VIA telephone nor US mail. The address they have on file I never lived at. They have not validated this debt with me. The original account was with XXXX XXXX XXXX and after reviewing the police report and Identity theft affidavit they determined that this was not my responsibility I am currently with XXXX XXXX XXXX and account is in good standing. Would a company allow me to continue to have services if I have an old balance. They are in violation of The Fair Credit Reporting Act. This is not fair to me as a consumer. Please do not share any of my contact information with this company.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NY)

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. Here are the accounts, XXXX XXXX XXXX, CB Indigo with one late payment on XX/XX/year>. 
I looked at my XXXX credit report on XX/XX/year> and notice some things are incomplete and also not accurate and according to the Fair Credit Reporting Act. Whenever consumer report agency prepares a consumer report shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 1681 ( E ) ( b ) and according to 15 USC 1681S they are supposed to do this, treatment of an accurate or unverifiable information. Also, XXXX credit reported agency violated rights from the Fair Credit Reporting Act U.S.C. 1681i ( 1 ) ( A ), ( 5 ) ( A ), U.S.C. 1681S ( a ) ( 1 ) ( a ) and ( b ).
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Vehicle impounded illegally No notice of location given to owner of record Difficulties encountered while determining funds availability which include constant website issues, an app which is nearly useless, and my local branch refusing to cash paychecks written from my place of employment literally one block away from which I regularly cashed checks. 
Lot fees of vehicle rise exponentially as days slip by. 

Blocked from depositing checks from lenders Unable to access my funds in bank No way to purchase legal aid in order to enlist the proper aid which might reconnect me with my vehicle. 


When I finally was able to find the location of the XXXX XXXXXXXX XXXX, it had been towed out of the city where it was parked. The parking lot it was alleged to have been violating the rules of state that a vehicle may be towed after it has been notified via writing on the vehicle after 72 hours from the notice. The owner of the business must be the one requesting the tow. Numerous points of procedure were overlooked I was not sent via usmail my vehicles destination, given pricing, or told a police report number. I spent months arguing futilely with two of the most agreeable organizations with which to spend time conversing logically in the world : the XXXX Police Department and a Privately owned Tow Yard whose owner blocked my cell phone number after I warned him of the potential ramifications of his criminally predatory tow practices. The vehicle was listed at around XXXX XXXX  and there were models being sold at dealerships which I would regularly pass by which were priced around XXXX XXXX. After the detective work was finally completed which unearthed the location of my vehicle, the Towyard began extorting me with its demands for exorbitant fees to be paid per day or hour or something with enormous fees tacked on for towing and storage. My Wallet, ID, Cell Phone, Laptop, and much more were in the vehicle they basically stole, and I was in a position where I chose to provide in home care to my mother while she was suffering through 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 

This Bank choosing not to work with me in an effort to recoup my property of significant value for a sum of money which initially did not exceed the amount which I was having direct deposited into my account was morale shattering. I felt hopeless, without value, and alone.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I, XXXX XXXX principal holder, have wrote a letter to Nationwide Credit Inc letting them know it's my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. I do not have any contract with them. I asked them to prove to me that this is a true debt. They have not responded. or removed this of my credit report. I am willing to go into arbitration if they don't remove this off and but make account in Good standings. 
F.D.C.P.A. at 15 USC 1692 e.g.

Title 18 section 8 ( All debt is the obligation of the UNITED STATES Cestui que vie act of 1666 trust account pursuant 15 usc 83 banks can not loan money 1933 emergency banking act
Consumer complaint received 2023-05-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (GA)

I have made repeated attempts to access the assistance services that my lender advertises to me. They have the normal deferance, and they have a skip-a-payment program. I've called and talked to a couple of people over the last week, and they say they will send me the paperwork to fill out and submit, but they haven't sent anything, I call back, same thing happens. Meanwhile they have dinged my credit and add on fees.
Consumer complaint received 2016-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: American Student Assistance (PA)

I had defaulted on a FFEL Consolidated loan in XX/XX/XXXX. The loan was then turned over to a collection agency. I have been on a payment plan with this collection agency for 21 years, and I have not missed an agreed upon amount payment, but my loan is still showing to be in default status. 
In XX/XX/XXXX I received a letter stating " Congratulations, you are only two more on time payments away from qualifying for student loan rehabilitation ... Once your loan is sold, your default will be over ... '' Why only two more on time payments? I just made over XXXX on time payments ... why now? why was n't I offered a rehabilitation 15 years ago? If I was, this loan would have been paid off and I would n't be having a balance of the following : As of XX/XX/XXXX : ( 22 years after going into default ) Accrued charges = {$97000.00} Applied to interest = {$75000.00} Applied to collection costs = {$21000.00} Misc fees = {$470.00} Applied to principle = {$0.00} Payments = {$84000.00} Beginning balance = {$38000.00} Ending balance = {$52000.00} Is it the collection agency or loan holder 's due diligence to collect on a loan and not drag it out? A loan of {$38000.00} and a repayment plan totaling {$130000.00} ... is that legal? 
A mark up of over 350 % on a Federal Student Loan? When I was making a payment every month for over 20 years.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion has denied my request for a annual free credit report and wants sensitive information of my SS number, driver license, utility bills etc. Both XXXX have provided the reports without issue. All information on the standard form was consistent with my personal information and adequate for the two bureaus but TransUnion wants more. I refuse to give out more information.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MO)

I've been trying to make a payment on my Chase Amazon card account for days. Every time I get to the end and hit submit, it states that it's temporarily unavailable. I've also called several times to be told to try again. This has been for days and at different times of the day. I've been with this company for a long time and never had this problem. I'm beginning to think that it's intentional. That's why I'm contacting the CFPB. This is a first for me. Thank You in advance and I'm so glad that I found CFPB!
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (IL)

Cease and Desist Communication Regarding Debt Dear LVNV Funding LLC I hope this letter finds you well. I am writing to formally notify you regarding the accounts referenced under [ account numbers XXXX, XXXX, XXXX. 

I would like to bring to your attention the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c. According to this statute, if a consumer notifies a debt collector that they refuse to pay a debt, the debt collector is required to cease all communication with that consumer.

I hereby communicate my refusal to pay this debt. Therefore, as mandated by 15 USC 1692c, I request that you stop all forms of communication with me going forward. I would like to clarify that any reporting of this account to a consumer reporting agency is considered a form of communication, and as such, it must also cease. 



Thank you for your attention to this matter.