davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (AL)

Chrysler Financial has placed an account on my credit profile that is XXXX XXXX XXXX. This action is a clear violation of the Fair Credit Reporting Act ( FCRA ) specifically Section 605a, which states that negative information, such as collections accounts may only be reported for a maximum of seven ( 7 ) years from the date of the first delinquency. The account in question has exceeded this reporting limit by several years, and I am requesting that it be removed from my credit profile immediately. I am seeking your assistance to ensure that this inaccurate and outdated information is removed from my credit profile as soon as possible
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (WA)

I am trying to reinstate my car loan with Bridgecrest, but I have hit a wall and can't afford a lawyer. I believe Bridgecrest may be overlooking my rights under XXXX XXXXXXXX XXXX XXXX, which allows borrowers to reinstate their loans by paying arrears without paying the full balance. However, when I attempted to discuss this with Bridgecrest, they insisted that my only option was to pay off the entire principal of the loan to avoid repossession. 

I spoke with Bridgecrest representatives on XXXX XXXX XXXX XXXX XXXX, and was informed by both agents that " Bridgecrest doesn't reverse charge-offs, '' which they claim is the only way to resolve my account. This means that while my vehicle is still in my possession ( pending repossession since XX/XX/year> ), I was told that paying off the full loan balance is my only option to avoid repossession. However, based on XXXX XXXXXXXX XXXX, I believe I should have the right to reinstate the loan by paying off the missed payments ( arrears ) and not the full loan balance. 

I faced significant financial hardship over the last XXXX years, including job loss, loss of health insurance, mental health challenges, and homelessness. I wasnt able to make payments for almost 12 months, but I am now working to rebuild my life. I am enrolled in a Debt Management Plan ( DMP ) and saving to catch up on my obligations. I believe I now have enough saved to bring my account current, but Bridgecrests insistence on a full loan payoff is preventing me from resolving this issue that would aid my financial recovery. 

To demonstrate my commitment to resolving this situation, on XX/XX/year>, I made a {$2000.00} payment toward my account. I am seeking to reinstate my loan and have already requested that Bridgecrest provide the total balance needed to bring my account current. However, I have only been told that charge-offs are irreversible and have not received any information on how to reinstate my loan under XXXX XXXX XXXX 

In addition, I am sending a certified letter to Bridgecrest reiterating my request to reinstate my loan. This letter further emphasizes my willingness to pay off the overdue balance, and now that I have made the {$2000.00} payment, I need confirmation of the remaining amount required to bring my account current. I am filing this complaint with the CFPB in hopes that Bridgecrest will honor my legal rights as a XXXX XXXX borrower.
Consumer complaint received 2024-10-03
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. (NV)

XXXX XXXX XXXX is reporting a collection account saying the original creditor was XXXX XXXX. I have never lived there nor applied there. My information was used to apply to this apartment, but I never lived there. My father has the same name as me. Please remove this from my credit report asap. I also want to add I contacted Experian about the account in question. They also acknowledged this is inaccurate, along with theaccount reported itself doesn't have a social security number attached to it. How is this legal, how is this acceptable that it doesn't matter? I want this removed immediately. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Paramount GR Holdings, LLC (CO)

I am contacting the financing company, Good Leap, to resolve the issues I have with XXXX XXXX since the later filed for bankruptcy. The solar panel has damages, and it is not functioning as it should be, and we have no one to contact but still consistently paying for the service/equipment. We have been waiting for a resolution for XXXX  months now.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2017-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HOVG, LLC (GA)

i recently requested a copy of my most recent credit report. I noticed a collection account placed on my credit report that was listed as charged off and had been placed in collection. At this point i sent the collection agency a letter requesting validation of the alleged debt, because i was unaware of any outstanding medical bills that i owe, and i requested detailed break down. I also indicated in the letter that i am allowed under HIPPA law to protect my privacy and medical records from any XXXX parties. Because i did not give permission to have my file released. The collection agency then sent me a validation letter, with an enclosed statement from the original creditor XXXX.
Consumer complaint received 2024-08-27
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)

This morning, I was disappointed and confused to find unauthorized inquiries on my credit report with no clear reason. I checked it as I normally do, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changed. I ask that the documents I've submitted be carefully examined so I can have peace of mind and stop worrying about this issue.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am writing to file a complaint against Capital One regarding the mishandling of a disputed transaction on my account. Despite multiple attempts to resolve the issue directly with Capital One, I have not received a satisfactory resolution and am now seeking your assistance. 

On XX/XX/year>, at XXXX XXXX  I received a {$1000.00} payment via XXXX from XXXX XXXX. On XX/XX/year>, this transaction was disputed, and a refund was issued to XXXX XXXX without my consent or any prior notification. I know XXXX XXXX personally, and he has confirmed that he did not file any dispute nor did he receive a refund for this transactionor at least that is what he has told me. 

Upon noticing the unauthorized reversal, I immediately filed a dispute with Capital One, providing all necessary details and supporting documentation, including screenshots of the transaction. My dispute was subsequently denied by Capital One. I received a notification stating that the provisional credit of {$1000.00} would be withdrawn from my account, with no clear explanation or evidence supporting the denial. 

I then filed a rebuttal, reiterating that XXXX XXXX claims he did not initiate the dispute and did not receive a refund. I requested a thorough investigation into the matter and additional documentation to understand the basis for the denial. Unfortunately, my rebuttal was also denied without adequate justification. I am deeply frustrated by the lack of transparency and the improper handling of this dispute by Capital One. 

After reversing the {$1000.00}, Capital One attempted to take an additional {$450.00} from my account. This transaction was declined because my account was already overdrawn by nearly {$800.00} as a result of the initial reversal. Capital Ones actions have not only resulted in the loss of {$1000.00} but have also placed me in significant financial hardship by driving my account into an overdraft situation. 

The handling of this dispute has caused me considerable financial and emotional distress. The funds were legitimately received, and the decision to reverse the transaction without a valid dispute or supporting evidence is unjust. Despite my repeated efforts to resolve this matter, Capital One has failed to provide a fair resolution or any substantial evidence to support their decision. 

I am requesting the CFPB 's assistance in resolving this issue. I hope that this matter can be investigated thoroughly to confirm whether XXXX XXXX truly did not receive the refund and that I will be able to recover the {$1000.00} that was unjustly reversed from my account.
Consumer complaint received 2024-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I received approval for XXXX discharge of my student loans. Any payments made post XXXX  date of XX/XX/year> are required to be refunded per the XXXX. of XXXX. Aidvantage is saying that becuase the loans are closed they can not issue the refund. I have verified with a DOE rep as well as their website that says ANY payment made post TPD date is required to be refunded regardless of account status.
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (CA)

I have a loan with XXXX XXXX, loan number : XXXX. 
I'm in the process of refinance, and requests a payoff quote. 
I have spend a whole week and talked with the customer services couple times. However, they never come back with a payoff quote.
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (MN)

PHH ( XXXXXXXX XXXX XXXX XXXXXXXX ) acquired my loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I recently requested my private mortgage insurance be cancelled and received letter dated XX/XX/year> which noted 80 % LTV requirement. I paid PHH {$190.00} for the appraisal which is attached. I then received PMI Denial letter dated XX/XX/year> which noted 75 % LTV requirement.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (FL)

I am writing to formally dispute the inaccurate information reported to the credit bureaus regarding an alleged late payment on my account for XX/XX/XXXX which I firmly contest as being falsely reported. Discover Bank failed to provide me with the statement that was mailed to me 21 days before the due date. 
Under the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are required to report accurate information to the credit bureaus, including payment history. As a consumer, I have the right to receive accurate and timely statements related to my payments.

The law that refers to the 21-day rule for billing statements is part of the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( CARD Act ). Under this act, credit card issuers are required to send a billing statement at least 21 days before the payment due date.
Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NJ)

I requested VALIDATION { not verification } of an item reported to XXXX, XXXX, and XXXX by this collection agency. In return I have received a response that clearly violates my rights according to HIPPA.

This collection agency did NOT PROVIDE me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (MO)

I never gave any written consent to furnace my information to no company. And for all the charge- offs I'd your charged something off there can't be a balance and theses things are in accurate and I want them all removed and send me the steps to correct this
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NJ)

On XX/XX/year> at XXXX XXXX I Used A Atm At XXXX XXXX withdrew XXXX dollars and i got the money but my card never returned i press the screen and nothing happened i went to manager and he said contact the bank I unlocked my card to do transaction and returned near the atm and noticed a XXXX XXXX on atm i empty my pockets on the floor to make sure if atm gave back my card so a guy said lock your card i said thanks i locked my card and when i got home i seen a XXXX withdraw right after my XXXX dollar withdraw i contacted XXXX XXXX  because it was the atm and they said they would assist cashapp with video footage so i disputed with cashapp they canceled my card reissued a new card that kept giving errors a cashapp worker told me whoever stole my card is still trying to use it so its declining my new card so they sent a new card again i gave cashapp my police report number and my case got denied i appealed and received email to send documents and email kept not sending
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NY)

In XX/XX/year> I entered into a payment plan to bring my mortgage current. I have made payments every month in the specified amount of {$3800.00} as of the writing of this complaint. Unfortunately, the payments have not been reported to the credit bureaus, which shows missed payments. This has been a terrible detriment to my credit score and has prevented me from receiving the favorable interest rates that I deserve on numerous purchases.
Consumer complaint received 2024-10-03
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)

I obtained an copy of my credit report noticing that there are several errors being reported from the credit bureaus requested signatures, original application or any documentation stating that this belong to me and the companies never confirmed the documents. Therefore, I would like you removed from my credit profile immediately. 

XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXXnauthorized XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CashRepublic Holdings, Inc. (AP)

Inquired about a loan as it was the only option. Speaking with representatives they seemed eager to help and called immediately to assist with a personal loan that was approved however it seemed to good to be true on how fast it was approved as in the called, email notify myself to call to continue the process of me providing my LES and record brief/soldier talent profile to verify service. I received the a high interest rate and was walk through over the phone to set up an allotment. After reading in a community group there was a lawsuit against Omni. Request for a personal loan was around late XXXX early XXXX. I am currently still making payments with an interest rate of 34.5 %. Are they legally applying by laws and not repeating or continuing with process of the previous lawsuit.
Consumer complaint received 2024-09-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (TX)

As a result of Data Breech by Consumer Reporting agency I was a victim of Identity Theft and this company also violates FCRA 15 USC Code 1601 and 15 USC 1681c and 15 USC 1692c.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I have a fraudulent account on my credit report, which I reported to CITIBANK, yet CITIBANK is not removing this fraudulent account. CITIBANK has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet CITIBANK has refused to do this. The following is the fraudulent account : CITIBANK / XXXX.
Consumer complaint received 2024-09-18
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: SOFI TECHNOLOGIES, INC. (NC)

I have sent complaints to the company directly as well as to all 3 credit reporting agencies. This false incorrect information continues to be reported on my credit reports XXXX, XXXX, and XXXX. These accounts do not belong to me but yet they continue to report these accounts Sofi account # XXXX Sofi account # XXXX
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

I called to pay my XXXX car payment on XX/XX/XXXX, over the phone to Nissan and provided my routing number and account number for them to electronically get the funds for my payment from XXXXXXXX XXXX On XX/XX/XXXX I started receiving calls from Nissan that I did not make my payment and I clearly told Nissan that I did and asked them where did my payment go too. Nissan said I needed to provide the correct documentation from XXXXXXXX XXXX showing that my payment was paid. On XX/XX/XXXX I went to my XXXX XXXX and asked to get a complete print out of my account activity to show from my statement that on XX/XX/XXXX the transaction from Nissan XXXX for {$500.00} to XXXX XXXX and XX/XX/XXXX transaction XXXX from Nissan {$3.00} for the transaction fee to XXXX XXXX. I submit this both email and fax to Nissan and was told on XX/XX/XXXX when I called Nissan to be sure that they received my information I was told to wait XXXX XXXX business days for the investigation to get a credit or the payment was found. I called Nissan on XX/XX/XXXX to see where the investigation was at in the process and I was told there currently was no decision and to call back on Monday XX/XX/XXXX to get the final resolution. On Monday XX/XX/XXXX I called Nissan to see where the payment was at and the agent proceeded to tell me that the case was closed, I need to dispute with my XXXXXXXX XXXX  and would I like to make a payment, I said no I was going to my bank to get answers. I proceeded to XXXXXXXX XXXX right after I spoke to the agent, explained the whole story again to them, they pulled my information and printed me my statement and explained to me that I provided my account information to Nissan and since they extracted the money from my account XXXX that this is on Nissan and not on the bank and I have nothing to dispute with the XXXXXXXX XXXX over. The bank personnel said that I have to go back to Nissan and tell them that this is on them and take further action against Nissan.
Consumer complaint received 2024-10-03
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. (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.