davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (WA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

I had a payment on a Comenity Bank branded card due XX/XX/XXXX. I was unable to make a payment until XX/XX/XXXX ( I scheduled for the next due date ). Between XX/XX/XXXX and XX/XX/XXXX ( I stepped in on XX/XX/XXXX ) the card services called from an actual number at least XXXX times per day, and from a " No Caller ID '' auto-dialer ( a rep who I spoke to on XX/XX/XXXX ( and then still continued to call ) confirmed they were auto-dialed ) at least XXXX more times. I think this is in violation of certain CFPB guidance. Today, XX/XX/XXXX, I spoke to a rep named XXXX and told him all of this and to cease and desist. I then received an auto-dial call after that from XXXX XXXXXXXX XXXX. This is all over XXXX {$35.00} payment that was ( at time of original calls ) only XXXX days past due. Seems a bit over the top.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (VA)

I submitted a dispute through XXXX regarding an old auto loan and repossession showing on my credit. Now the debt shows as just recently charged off, which is invalid. The last payment on the vehicle prior to repossession was over 13 years ago. It states on my credit file that it was past due as of XX/XX/XXXX, but that is an error on the part of Wells Fargo ; as you can see from the attached XXXX report it was really last paid on XX/XX/XXXX. Per the Fair Credit Reporting Act, this account should have only remained on my credit for up to 7 years, but Wells Fargo fraudulently reported it again in XXXX, though I made no payment arrangements with the company, nor did I enter a settlement for this debt. The statute of limitations for this debt, which was my ex-husband 's in our divorce settlement, has long passed and this should be cleared from my credit report. Be advised that the last name was under my then-married name of XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX US Dept. Of Education, 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
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CA)

XX/XX/2022 - Received final paycheck of {$910.00} from my employer and deposited to Discover checking account. 

Check rejected at end of day. 

XX/XX/2022 - Contacted work for check reprint. 

Discover freezes my account for suspicious activity. Upon calling Discover I am informed they are closing my account for business reasons and refuse to elaborate further. Would not be told how I could recover my funds of over {$700.00} in account. Asked to speak with supervisor, told I must wait 24-48 hours. 

It is now XX/XX/XXXX without any further communication from Discover and they will not allow me to retrieve my funds. My work check was reprinted and approved by another bank the day after Discover closes my account.
Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

I applied for the XXXXXXXX XXXX  program through Nelnet in XX/XX/XXXX. I received a letter on XXXX XXXX stating that after a one-time payment " we will apply the new repayment plan you requested to your eligible loans '' and I would be switched over to the XXXX XXXX. I promptly paid the requested amount and payment was processed XX/XX/XXXX. 
It is now XX/XX/XXXX and Nelnet has put my account in administrative forbearance for almost 3 months, all the while thousands of dollars have accrued in interest. I have contacted them multiple times, verified that all documents were submitted and complete, and that payment has been received and I was ready to be switched over to the XXXX XXXX, and yet nothing has happened. 
It has been 5 months since I first applied for the XXXX XXXX through Nelnet! Meanwhile, XXXX  of dollars of interest has accrued and I am penalized for their inability to process my application in a timely manner. As of today, my account is still in administrative forbearance, with an absurd amount of {$16000.00} being due on XX/XX/XXXX. Calls to get this sorted out have been met with excuses and the representative stating there is nothing they can do. I was actually told to remove auto debit from my account in case Nelnet actually tries to transfer that amount come the due date! They won't transfer me to anyone who can help, or give me any information, except to tell me to wait, and to contact them again if mistakes occur on their end.
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (MO)

Bank : Synchrony Bank XXXX XXXX credit card ) Plaintiff Lawyer/s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Phone : ( XXXX ) XXXX My complaint as follows : I had a man come to my door, bang on it like a police officer, and ask me my name, then shoved an unsigned lawsuit paper in my hand, so I don't know who gave it to me. He then told me I have been served. The company, in this case, a bank, never sent me prior notice that they intended to sue me, just the rude man comming to my house. He looked like his eyes were filled with hate, and he was quite rude with how he spoke, his body language, and general demeanor. I was actually nervous, his vehicle had no markings indicating a sherriff or law enforcement and he produced no identification. I tried to contact XXXX XXXX XXXX via email when there website malfunctioned, when I tried to set up debt repayment. No response for XXXX weeks now. I feel as if this was a bit overkill for debt collection practices and I intend to hire an attorney to sue them for the bullying in this maner. I hope nobody else ever has this happen as it did to me, I still have aftershocks of XXXX  when I think about it. 

The message in parentheses is for CFPB and should be deleted prior to publishing to consumerfinance.gov. 

( If you know any good attorneys who will work pro-bono for part of the lawsuit settlement, please have them contact me at the phonenumber listed in my CFPB account after XXXX XXXX Monday-Friday, thank you for your time. )
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OK)

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 2024-01-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (NC)

I.Q. DATA INTERNATIONAL, INC.has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1681a ( q ) ( 3 ) and F.S 817.568 ( 2 ) ( a ). I.Q. DATA INTERNATIONAL , INC. is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Consumer complaint received 2024-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (CT)

I called Penn Credit on XX/XX/XXXX to schedule a payment of the full balance owed to XXXX XXXX gas of {$270.00}. The payment was scheduled for XX/XX/XXXX. There was a second payment to XXXX XXXX via Penn Credit that was scheduled for XX/XX/XXXX and that payment was taken out of my account by Penn Credit. I was under the assumption that all of the balances were paid in full since I made the payment arrangement and there was no other communication from Penn Credit. 
Today XX/XX/XXXX, 4 months later, I received a letter in the mail from Penn Credit to collect a debt of {$270.00} that was outstanding for XXXX XXXX XXXXXXXX. I thought that there was a mistake since this was paid in full in XXXX last year. I called Penn Credit and was told by them that the balance was still owed. They tried to tell me that they debited my bank card on XXXX but the payment was denied. This was a lie since the money was in my account and it had a positive balance of {$930.00} on XX/XX/XXXX and sufficient funds the following days ( snapshot included ) and the second payment that they took out on XX/XX/XXXX was deducted from my account ( snapshot also included ). The problem wasn't with my bank or balance. I asked why they did not contact me immediately and why it has taken 4 months to be notified via mail that my payment didn't process. I asked if they can send me proof via mail of their billing paperwork that shows that their attempted payment was denied and they refused to send me that. It is my belief that Penn Credit 's billing department made an error or did not take the payment on XX/XX/XXXX as scheduled and left this debt sitting with them until now. This could have had serious consequences for me if it was reported to collections because I am in the process of buying a home. It is unacceptable that they waited 4 months to send me a letter stating that they still had this balance when it was scheduled to be paid in full on XX/XX/XXXX. XXXX. They told me that they tried to call me but they did not leave a message. I received no communication via mail or email from them or XXXXXXXX XXXX XXXX until now. Penn Credit 's methods of processing and collecting debt are faulty and potentially damaging to consumer 's credit records, in turn their ability to rent or buy a home and take care of other necessary life responsibilities and needs that rely on credit reporting and consumer credit score.
Consumer complaint received 2024-01-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (PA)

I purchased a XXXX  equipment in XXXX  which included a 90 day promotional period trial. This was offered by XXXX with no obligation to purchase if the XXXX was returned within the 90 days. The finance was through Affirm. The XXXX was uninstalled by XXXX XXXX within the 90 days. Because I no longer felt the XXXXXXXX XXXX XXXX  was effective.The contract I signed with Affirm states when the XXXX  was removed before the 90 days no charges would be applied. XXXX XXXX was supposed to inform Affirm to void my contract agreement. The Driver / Technician that uninstalled the XXXX was from a company called XXXX XXXX. I also have a picture of the Drivers ' vehicle whom de installed the XXXX, because the XXXX did not say XXXX XXXX. However I do have a text from the driver stating he was from XXXX. I am not sure why XXXX XXXX never informed Affirm the XXXX was returned. I have a confirmation email from XXXX XXXX that the XXXX was uninstalled by their Technician and returned. After years I discovered Affirm put a charge on my credit report despite me not having the XXXX. I was never supposed to be charged. This is a violation of the contract agreement. 
Therefore, I am requesting the fraudulent charge to be removed from my credit report. 
The original agreement was {$4900.00} if not returned within 90 days However the charge now states {$5300.00}, regardless I never had the XXXX beyond 90 days.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I disputed an account through XXXX Nissan motor acceptance corp car loan, this account was opened up fruadulantl, I want this account removed from my credit report, this is fraudulent and inaccurate information reporting to my account, I have took the steps to file an identity theft report requesting this account be removed and blocked the information from XXXX and XXXX both came back verified, I am requesting proof that these fraudulent accounts were investigated fairly and proporly, also please provide me with the system and details your company used to to determine if this transaction took place or not.
Consumer complaint received 2024-01-28
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kimball, Tirey & St. John LLP (CA)

XXXX XXXX XXXX KIMBALL TIREY STJOHN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX I am writing this to bring to your notice the following information added to my credit report. The amount {$4500.00} along with the name XXXX XXXX XXXX XXXX XXXX are falsely added to my credit report without my prior knowledge. ON XX/XX/XXXX KIMBALL TIREY STJOHN claimed that I am not YOUR customer or client of respective credit reporting agencies. I am deeply surprised by this statement, as it contradicts the presence of a collection account on my credit report, which clearly indicates that YOU have my personal information. I refuse to pay this debt I have attached a copy of the response to the XXXX  for your reference.
Consumer complaint received 2024-01-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that 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 that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in document.

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

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 might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have never held an account with capital one. Months ago I received a statement and when I called they told me they would close the account. Now months later I receive another statement. The balance is XXXX and they say there has never been a charge on it but they did not cancel the card last time and refused to cancel the card this time unless I agree to a bunch of stuff. My credit should not be held ransom by a company I have never done business with and due to this never will.
Consumer complaint received 2024-01-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I was trying to use my American Express Gift Cards for purchases on XXXX but the card continues to be declined preventing me from using it. 

I contacted XXXX customer support and they informed me that the card was indeed declined even though the amount charged is within the gift card 's balance. Others have reported the same issue of not being able to use their Gift Cards on XXXX despite being a general-purpose card because AmEx is blocking them.
Consumer complaint received 2024-01-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Neighborhood Capital Funding, Inc. (GA)

XXXX Affiliate Mortage Collection agency assumed collections/payments for XXXXXXXX XXXX XXXXXXXX XXXX. The book keeping was by hand with pencil and paper and incorrect. My payments were mailed certified on time for months to assure correction application of my payments but were still applied and reported incorrectly to all 3 credit Bureaus. I have attmepted disputes via certified mail XXXX and XX/XX/XXXX directly to Affiliate Mortage. There is no singned contractual agreement or obligation to Affiliate Mortage or even a signed late policy. They have turned the mortages back to the original XXXXXXXX XXXX XXXXXXXX, but refuse to correct the incorrect reporting that wrecked my credit. And, they are reporting different dates between the 3 credit bureaus. My loan has never been late, and has never been reported to the credit bureaus, EXCPET, when affiate got it and reported it late for 6 months!!!! Affiliate Mortgage did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on my account within 30 days of my dispute. Therefore, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).
Consumer complaint received 2024-01-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

Open the account with out my permission wrong name mailing address from 10years ago email address wrong, and phone number took two payments in one week I tried to reach a settlement but they want a high interest payment ruined my credit this company should not be in business I would have never expected this loan I have sent many emails and they keep telling lies and am I a victim of fraud no I have the money from the company without my permission I would have never signed that contract or the terms in it
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CO)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (SC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED XXXX8 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS FIRST PREMIER ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from FIRST PREMIER WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.