davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

Requested a payoff statement on XX/XX/XXXX good thru XX/XX/XXXX from XXXXoan Care LLC. Recieved payoff statement with payoff amount. Refinanced home. Title company sent payoff amount on XX/XX/XXXX. Payoff checked stamped recieved by Loan Care LLC. Title company ( XXXX XXXX XXXX ) received a returned check and new payoff statement on XX/XX/XXXX that was good thru XX/XX/XXXX asking for {$280.00} more than original payoff statement issued on XX/XX/XXXX. I called Loan Care LLC on XX/XX/XXXX to find out why there was a difference in the two statements. During the phone call they issued ANOTHER payoff statement without my request and the new payoff is now {$1000.00} more than the original statement given on XX/XX/XXXX. Originally they said the {$280.00} was due to tax distributions. However taxes were distributed in XXXX of XXXX before the original request for payoff statement. Loan Care then stated that the new payoff generated on XX/XX/XXXX is the amount that has to be paid even though the second statement sent to the title company states that it is good through XX/XX/XXXX. I have called Loan Care multiple times on XX/XX/XXXX trying to get answers as to why the payoff amount keeps rising. ( Twice in one day ) I keep getting placed on hold for extended periods of time. Requested to speak to a XXXX. After a very long hold was connected with XXXX XXXX at Loan Care LLC I spoke with her briefly before she asked to place me on hold. I then sat on hold for about 20-30 min before the I was hung up on. Still no answers to the large increase in payoff amount. I called back Loan Care LLC and was connected with XXXX. I asked XXXX to speak with the XXXX XXXX and explained that I was just on hold with her before the call was disconnected and I called right back, to which he said he wasn't sure she was available and would connect me with another XXXX and placed me on hold for what he said would be 3-4 minutes and turned into 45 min before a XXXX answered still without a resolution other than to pay the statement given this afternoon over the phone asking for {$1000.00} over the original payoff statement
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (TX)

I am XXXX XXXX and submitting this complaint myself and there is no third party involved. 

On XX/XX/2021 Flagship Credit Acceptance violated the cease and desist order sent to them by certified mail on XX/XX/2021. Flagship Credit Acceptance agent " XXXX XXXX '' informed me in a phone conversation ( that I initiated in order to expedite the process ) that they ( Flagship Credit Acceptance ) received the cease and desist demand on XX/XX/2021 and noted the information on the account file for the " alleged debt '' then referred me to a senior account specialist in XXXX, but I was never able to get in contact with them that day or today. Flagship Credit Acceptance mailed a billing statement to my home address after I demanded/ordered the company ( Flagship Credit Acceptance ) to cease all contact with me. Flagship Credit Acceptance has still not validated this " alleged debt '' pursuant to 15USC1692g nor have they ( Flagship Credit Acceptance ) responded to the invoice sent to them for the Title 15 damages itemized in the summary of charges that was sent to them by certified mail on XX/XX/2021. All evidence of my claim is attached and I would like this matter resolved quickly and damages paid to me by check. The " billing statement '' also has the same violations from the first " billing statement '' in question which would double their invoice fee. This action is a willful violation of my rights as a federally protected consumer and they should be held liable both criminally and civilly pursuant to 15USC1611 and 15USC1640. 

I, XXXX XXXX, am a natural person/consumer
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

Iam a victim of identity theft i was overseas for a few years and i came back and i was checking my credit and i found these accounts and think it's my x girlfriend or a few people that lived with me i couldn't know who has my information cause the creditors wouldn't provide me contracts and signatures after contacting them a few times and i didn't receive any calls or emails or mail and as of 15 U.S Code 1692g validation of debts they invaded my privacy and harmed my credit really bad and its illegal and 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 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please move them from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-17
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: Social Finance, Inc. (FL)

I have previously reported that I am a victim of identity theft and requested the company SoFi to close my loan that had been initiated in my name around XXXX of XXXX. 

I first became aware of the loan around XXXX of XXXX, when I had arrived home from a 5 month trip to XXXX XXXX, and had found 3 or more withdrawals ( of approximately {$1400.00} each ) from my checking account for a SoFi loan. I logged into my XXXX XXXX and found a {$75000.00} loan from SoFi reporting on my credit. This loan was opened in my name and address using fraudulent contact information including a unregistered phone number and an old inactive email ( that I presume was used to communicate with the company ). 

I immediately placed a freeze on my credit report and, further, sent a letter to the company dated XX/XX/XXXX containing a copy of my FTC Identity Theft Report, proof of identity, dispute letter of the account in question and a notice of furnishers of information. 

On XX/XX/XXXX, I received a " fraud package '' mailing from Sofi requesting additional documentation in regards to my report. This called for a notorized affidavit, copy of government ID and a police report. 

I was able to submit all but the police report and sent the documents back to Sofi on XX/XX/XXXX. There had been a delay with the police report as I had just filed with the XXXX County Sheriffs Department and the process typically takes a couple weeks for the report to be indexed into records. I followed up with an email on XX/XX/XXXX providing a copy of the police report to Sofi. 

By XX/XX/XXXX, after an " investigation '' by Sofi, fraud was not " determined '' and I'm held liable for the balance. 

My complaint is as follows ; 1 ) The company takes an extremely long time, nearly two months, to acknowledge receiving my documents. 
2 ) Continued harassment by phone calls and emails for payment despite the questioned account is under review. 
3 ) Concludes a 24/48 hour investigation without even contacting me for questions or additional information. They completely overlooked the fact that I had not even been in the country during the time the loan was initiated. 
4 ) My request for additional information as to the origins of the loan from the company on XX/XX/XXXX has yet to be provided 8 days later, indicating to me that they did not do proper due-diligence when it came to their prior investigation. Surely if they had documentation against my case it should be easily accessible.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (TX)

There are errors on my credit report concerning 15 USC 16c-2. The inquiries listed were not approved by me and are negatively impacting my credit. Please remove all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (NJ)

I've noticed unauthorized inquiries on my credit report, which I did not authorize. This is a serious concern as it may negatively impact my financial standing. I request a thorough investigation into this matter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. 
I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2020-01-07
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. (TX)

My XXXX account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. 

I have added the bills and payment history to this email. XXXX stated they would not correct my credit report and stated information is correct when it is not.
Consumer complaint received 2024-08-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc. (IN)

I consolidated my loans with the explicit purpose to receive the benefits of the SAVE plan. After the consolidation, through no fault of my own, the terms of the save plan were judicially altered, such that the terms of the consolidation loan I consented to were in question. But for the benefits of the save plan, I would not have consolidated. The consolidation prevents the most cost effective manner of payment and accelerates the interest owed. The daily interest on 12 individual loans compounds differently than the consolidated loan. The financial institution that holds my note has been given an unfair advantage by changing the terms and conditions of the consolidated loan well after the time in which I would be allowed to revert to separate loans ( within ten days of consolidation ). 

In XXXX of 2024 I had many separate loans. Some of those loans qualified for SAVE. Some did not. I read the details for consolidation and terms and conditions to qualify for the SAVE plan. I made the very hard discission to consolidate after multiple conversations with XXXX XXXX and Student Aid. Gov. I was explicitly told and all of the documentation instructed that the only way to have my loans all gain the benefits of the SAVE plan was to Consolidate. And so, I consolidated. I did this timely in order to receive the benefits of the SAVE plan. Months after this consolidation, the terms and conditions of my repayment was altered without any default or error on my part. 

This violates my right to choose how I engage with financial services. In this case, the federal government, president and courts many miles away very strong powerful enities acted to obviate my prior rights and void my ability to consolidate with an understanding of terms and conditions of the financial services. I am aware that many more actors and powerful factors are moving against my interests. THe CFPB is around to protect the informed consent of a borrower and even the field where financial institutions place an individula at an unfair advantage, moving the goal post for borrowers. XXXX will benefit from this false inducement by collecting nearly {$700.00} more than they were entitled to before my consolidation, which erases my disposable income altogether. 

HELP please
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WLCC (AZ)

Our small business began receiving harrassing phone calls from the number XXXX. The caller claimed someone on our payroll had defaulted on a loan and they were calling to garnish the employee 's wages. We are a small family owned business and we have no employees on payroll. We explained this to the caller and asked them to cease contact. They then emailed us ( pdf attached ) trying again to garnish a non-existent employee 's wages and asking for access to our payroll. The business names XXXX XXXX and Apex Servicing seem to be associated with the caller/emailer. There is no debt or loan to be collected. This seems to be a scam, full stop.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (DE)

XXXX XXXX XXXX XXXX has not responded to my escalation of wrongful appeal denial by Fay Servicing for my request for mortgage assistance submitted XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX through its attorney at XXXX, XXXX has requested to the Court to proceed in its Motion to Substitute Parties in foreclosure action XXXX filed at Delaware Superior Court in XX/XX/XXXX. My mortgage loan was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX is engaged in dual-tracking through Fay Servicing ( Loan Number XXXX ) in its pending motion is to substitute parties from XXXX XXXX to XXXX XXXX XXXX XXXX to proceed in judicial foreclosure. 

Fay Servicing is under an active 5-year Consumer Financial Protection Bureau ( CFPB ) Consent Order ( File No. XXXX ) for among other things, its violations of mitigation procedures ( 2 CFR 1024.41 Loss Mitigation Procedures ).
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

There is a collection account named " XXXX  '' on my credit report. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide a purchase agreement to show my ownership of such account. I have never sign or enter into a purchase agreement with them. I request the account be removed from my credit.