davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (SD)

Properly mobile deposited a two party check and they are refusing to unlock card so I can use my money because of verification reasons. When we have explained to them that it was my boyfriend and his phone number they are saying its not popping up for them. We called his phone provider XXXX and XXXX and they said everything was correct and under his name but they still for some reason cant pull up his info linked to that phone number. Im about to take legal action over this because they are withholding {$2000.00} dollars of our money. I had multiple reps in the fraud department hang up on me when I asked for a supervisor.
Consumer complaint received 2023-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MN)

On XX/XX/31 I called Nelnet ( my loan servicer ) to inquire as to why I did not receive an email informing me of my loan forgiveness. This email was to include information on loan payments that could be used to determine if I qualify for a refund due to paying past the 240 month threshold. According to the XXXX website, Nelnet was to provide this information on the email. I did not receive any email. when I called Nelnet, no individual I spoke with knew anything about an email, nor could they provide any information regarding whether I over-paid on my loans. Although this complaint is directed at Nelnet, the people at XXXX were just as unaware of what was happening and did not provide the requested information. 

All I want to know is whether I paid past the 240 month threshold, and if so, what payment dates were past the 240 month threshold.This information will help determine if I will receive a refund. 

Thank you
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MS)

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Num ), has violated several of my rights.15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpos Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reparting Act
Consumer complaint received 2023-12-22
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. (NJ)

Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-01-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

Headway Capital has sent my account into collections. 

In writing, via email, I have asked them to cease and desist all collection activities. They have boldy refused to ... going so far as to email me back refusing to cease communication. 

I've also requested validation of the debt as the total is wrong. Months later and they have provided me nothing.
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (GA)

I mailed in the IRS forms for the 1096, and 1099C to the IRS as taxable income for this year, ( XXXX ). Therefore, both accounts for the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, must cancel the debt ASAP, by deleting the accounts from all credit bureaus that were reported to. 

Per the IRS, tax topic No. 431, of Cancellation of Debt How long does a creditor have to send a 1099-C?

Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. 

Is a creditor required to send a 1099-C?

If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more.

What happens if I don't report 1099c?

If you don't report the taxable amount of the canceled debt, the IRS may send you a notice proposing to assess additional tax and may audit your tax return. In addition, the IRS may assess extra tax, penalties, and interest. XX/XX/XXXX Tax Topic No. 431, Canceled Debt It is my responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (GA)

Today I called Westlake Portfolio because I was advised that was who took my vehicle that I purchased from American Car Center. I have several XXXX XXXX XXXX and spend a lot of time XXXX. Months at a time. So I explained this to the very rude representative. I also was hung up on, I think his name was XXXX. He told me he would send the car back, push all loans back and give me a discount of 20 % twice so 40 % for an ach set-up payment. This was before he hung up. They were NOT willing to honor my previous contract from American Car Center at all. But me being very sick and knowing I have to have a XXXX XXXX soon I tried to work it out. I was given a payment of {$400.00} due XX/XX/2024 and I could get my car back. Even though I was still receiving a bad deal. He hung up on me and kept talking to me like less of a human being. So I asked for a supervisor. He refused me a supervisor and hung up in my face. I called back from a different number and he put me on hold and came back pretending to be a manager. So I simply asked for another supervisor and he hung up on me. Im extremely sick and just went to an XXXX XXXX XXXX  dealing with such disrespect from a company that I never agreed to do business with. Im in the XXXX for months at a time. I tried to resolve this sketchy deal that I dont even have a contract from and they repoed the vehicle off of private property so I can have a way to the XXXX. And was treated and talked to like a dog each time by the same person. 
This company needs to be held accountable for its viciousness and atrocities committed against original American Car Center and US Auto Car Center customers. Even if they took over the debt and contracts, where are our new contracts if youre NOT going to uphold our old contracts. And Im not elderly but Im extremely XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX through the atrocious customer service and being hung up on. Not to mention my intelligence being played with. After being held accountable and sued they need to be closed down for good.
Consumer complaint received 2023-12-22
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. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, and XXXX are reporting incorrect information on my consumer report and refuse to remove the incorrect information. I sent them a letters with a current UCC11 and identification showing that according to the Secretary of State of Texas that I had no debts or liens on my name and mailed it to them certified with return receipt about an alleged automobile loan. Also, I informed them that they are breaking federal law and my letter went with no response.
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (NJ)

I am writing to formally dispute information on my credit report that I believe to be inaccurate. On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report, and to this date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Please correct/update this inaccurate information on my credit report The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5000.00} Please correct/update this inaccurate information on my credit report The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$940.00} Please remove it from my credit report.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The dates on this report are incorrect on when it was last active. This account needs to be removed from my credit report. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debtt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2023-12-22
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. (GA)

n 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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  BANKRUPTCY ( U.S. Bankruptcy Court ) : # XXXX, DEPTEDXXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 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, 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AFNI INC. (TX)

There are incorrect dates shown in the screen shot. Showing different dates for last active and when it was opened. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to bring to your attention the persistent challenges I have faced in attempting to remove fraudulent items from my credit report. Despite making several concerted efforts, these fraudulent entries continue to tarnish my credit history, negatively affecting my financial standing and causing undue stress. 

I first identified the fraudulent items on my credit report. Since then, I have diligently followed the established dispute resolution procedures, making numerous attempts to rectify this issue. 

This situation is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but is also causing severe financial and emotional distress. I am formally requesting a thorough and immediate investigation into the fraudulent items on my credit report. 

I request the following actions : A comprehensive review of the fraudulent items on my credit report. 
Immediate removal of the inaccurate and fraudulent information to restore the accuracy of my credit file.

Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I understand my rights under the FCRA and the importance of addressing and rectifying inaccuracies promptly. Failure to resolve this matter in a timely manner may compel me to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your immediate attention to this matter and request written confirmation once the fraudulent items have been successfully removed from my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXXXXXX XXXX XXXX Balance : {$400.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (VA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

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 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NJ)

I was charged {$860.00} for an auto bill pay that I never authorized. I have never paid my credit card this way. So I called Wells Fargo to complete a payment reversal on my account on XX/XX/XXXX, they mentioned that it would take 3 business days for this action to be completed. It is now 4 business days and they are suddenly changing their tune and have not given me back my {$860.00}.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or were opened without my permission. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.