davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Figure Technologies, Inc (AZ)

I applied for a HELOC with Figure on XX/XX/year>, and my application was denied. The stated reasons for denial included claims of foreclosure, bad credit, high balances, and multiple discrepancies that were not present on any of my credit reports, as confirmed by both XXXX and XXXX. I have never been in foreclosure, nor do I maintain high balances on my credit cards. My XXXX XXXX is XXXX, and I consistently keep my credit card debt below 10 %. 

After receiving Figures denial letter, I contacted XXXX directly to verify the accuracy of my credit report. XXXX confirmed that none of the cited issuesforeclosure, poor credit, or high balanceswere part of my credit history. They provided a phone number for Figure to verify this information, but when I shared this with Figure, they showed no interest in following up. 

When I requested a copy of the alleged credit report that Figure claimed to have used in denying my application, I was instead informed that the denial was due to a UCC filing. However, after further inquiries and review, Figure later confirmed that a UCC filing was not the basis for the denial either.

As a consumer, under the Consumer Protection Laws, I am entitled to access any credit reports that were used to make a creditworthiness decision. I have repeatedly requested a copy of the report from Figure to review the records that supposedly show foreclosure, bad credit, and high balances. It is troubling that Figure claims to possess a credit report with such inaccurate information, and I am seeking a copy of these documents to address and correct any potential misinformation. 

Despite ongoing email exchanges in which Figure promised to follow up, they continue to evade my requests for the credit report they deem accurate. For over a month, they have claimed to be " escalating '' my request, but for the past two weeks, I have only received stalling emails. Last week, instead of addressing my request, they suggested I reapply, which is alarming and dismissive of my concerns. 

At this point, I no longer trust Figure as a credible lender. It appears they are denying creditworthy applicants based on random, incorrect credit checks and failing to provide the required documentation to support their decisions. Under the Equal Credit Opportunity Act ( ECOA ), I am entitled to a copy of the report that Figure used to deny my application, especially given that XXXX has confirmed the inaccuracy of the denial reasons. I am filing this formal complaint to address Figure 's failure to comply with legal requirements for accuracy, fairness, and transparency in credit reporting.
Consumer complaint received 2024-08-21
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)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

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 2017-09-08
Product: Credit reporting, credit repair services, 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. (IL)

I have tried to gain immediate information from Equifax about the data breach. Their toll free number does not work and when I inserted my name and last 6 of my SS they a message says " you are liked impacted '' by this event! 
Where are the regulators for this, I am at work and ca n't hunt this down. 

Please help the consumer! 

Sincerely, US citizen
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

VALIDATION AND CEASE AND DESIST I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-02-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Windham Professionals, Inc. (NY)

Got set up with XXXX XXXX in XXXX NY at age XXXX. I am XXXX and am in crippling debt of {$28000.00} and its in default. I have no job currently and in the year of XXXX I worked at XXXX in XXXX NY and was constantly harassed by collections while at work. I had no idea about the law suit against XXXX till after the deadline of XXXX XXXX XXXX to file a claim. I was young at XXXX too young to understand how big of a life changing decisions i was getting into and XXXX made things seem like a dream for a young XXXX. I now live a poor and every day struggle. XXXX Debt, Jumping XXXX job to job, Poor credit out the gate of adulthood and nothing/no one to help me understand what is happening or what to do. I need to start over thanks to the Education Department. They XXXX my life before I knew what to do with my life.
Consumer complaint received 2017-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (TN)

I submitted a letter to XXXX to REMOVE collections from Central Financial Control from my credit reports because they are not licensed in the state of Tennessee. Although I did not personally reach out to Central Financial Control but to the credit bureau with the info from the Tennessee verify page it was not removed.
Consumer complaint received 2017-01-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I received an expired settlement check from Ally in XXXX 2016 and called Ally Settlement Administrator where they told me to send it back and I would get a new check. A month went by and still no check so I called Ally and they said they sent it and where they sent it to. I did n't receive the check because it went to an address I lived at five years ago and had never even given Ally. They said they would resend a new check to the address I had originally provided and if I did not hear back I was to call again and ask for XXXX XXXX the manager. I have now left numerous messages, made calls and sent an email and have had no response or answer.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

On X/X/2017 I attempted to access my Annual Credit Report through Experian. I was unable to access my report, and was given a message that says " A condition exists that prevents Experian from being able to accept your request at this time '' The following message congratulated me on accessing my Credit History and advised me to mark down in my Calendar for next year.
I am not sure what this " condition '' is that prevents the access to my credit report, but I find being told to wait again for one year for an error message unacceptable
Consumer complaint received 2024-08-21
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)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-10-03
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. (LA)

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. 

Account Name : 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  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 2017-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

My payments have been consistently misapplied by servicer. I have spoken to them every month to try and rectify, but have gotten nowhere. I make weekly payments to the servicer.
They claim to keep payments in a suspense account until a full payment is received. However, that is not what they do in fact. Some payments consistently get misapplied to principal rather than the next monthly payment, causing late fees and penalties, even though a full payment has been made and received. After calling, they usually resolve, but I do not always receive a complete refund for the improper late fees. I end up having to call over {$5.00}, it 's ridiculous. The documentation of my payments has gotten so confusing that I am not even sure anymore what has been applied or paid. I made weekly payments in the past with other servicers and did not have any issues.
They should apply payments first to outstanding interest, than to principal. Alternatively, they should follow their own procedures when collecting payments. If they are placing into suspense account, that should be consistently done. I should not have to guess how my payment will be applied and then have to call EVERY MONTH to resolve improper late fees. I have given them ample opportunity ( 10 or more phone calls ) to resolve before resorting to this complaint and they have failed to do so.
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XXXX 2016 I mailed a deposit to Captial One Bank in their postage paid envelope, with my deposit slip, and a check for XXXX made payable to me. On XXXX XXXX 2016 I received my XXXX statement and the deposit was not on the statement. Today is XXXX XXXX and I have called them numerous times over the past four weeks, sent faxes, and still nothing has been resolved. My last conversation, today was they want me to resend the fax. It was lost due to the flooding in XXXX. They will not accept an emailed document. I am turning this over to the CFPB as I am getting nowhere fast trying to resolve this on my own. I need help getting my money back. They cant seem to tell me where my money went or how they plan to correct it. All they can do so far is give me a huge run a round and it 's been almost 30 days since I notifed them of their error.
Consumer complaint received 2016-05-03
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NJ)

I turned in my XXXX 2013 and took about another lease with XXXX XXXX XXXX. They were supposed to make pay off the car and did so too late. After having Ford Credit calling me to make payments I repeatedly called XXXX XXXX XXXX to pay the car off before the due date. They assured me they would and they did n't. They paid the car off 30 days after its due date and Ford Credit reported it under my namemail to the credit bureau. I have a letter from Ford Credit and XXXX XXXX XXXX stating that they would resolve this and it is still showing in my credit.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year> the credit company 's claimed that the information for a bankruptcy was verified. In your response you said the account was verified by XXXX XXXX, I disputed the accuracy of this information and they could not verify the account! You have violated my consumer rights. 
You stated that the account was verified, how did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose. 

15 USC 1681b ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose.

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report.

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.
Consumer complaint received 2017-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC (GA)

On XX/XX/XXXX I paid off my loan with XXXX. In turn my Gap Insurance was cancelled on the same day. The company policy for XXXX XXXX XXXX is 10 business days for refund of Gap Insurance payments. I initially contacted them on XX/XX/XXXX to make them aware of the cancellation and expectations of the refund of {$800.00}. I was told the check would be mailed on XX/XX/XXXX. 10 business days from the date of cancellation. I called again on XX/XX/XXXX and was told they had n't mailed the check they would mail it out on XX/XX/XXXX. On XX/XX/XXXX I called again and was told their was no payment due to me? After a few minutes of back and forth I was told the check would be mailed that day. I called again on XX/XX/XXXX and was told the check had n't been mailed yet and they would send an email to payment processing to check on the hold up. A few hour later I receive a call from XXXX in the rebatables department. Reassuring me a check would be mailed out that day. XX/XX/XXXX I call again and I am told there is a not that a payment should be sent out but no payment has been sent out as of yet. My issue is I missed a very important trip to me. XX/XX/XXXX XXXX vs. XXXX in XXXX my son plays for the XXXX and these funds were to be used to Fund this trip. The refusal by this company to refund my monies is shameful. Please look into their practices. Thanks
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (MI)

I tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help. I would like to keep the account open and return to good status with the company.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax allowed for my entire information : SSN, DOB, DL #, address, credit card information, etc. to be accessed by parties not entitled to the information. My entire equifax history is now part of the hacker world with complete access to anything they want.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (FL)

This was a very simple credit card bonus offered to the world. Simply spend {$1000.00} and receive a {$200.00} bonus. I fulfilled my obligations to earn this bonus. It has now been over 4 months and I have still not received my bonus money that was promised in the advertised offer. I took screenshots as proof and it would have been impossible for me to have signed up for this credit card without the bonus being attached to my application, as verified with the internet XXXX XXXX this offer was advertised directly on Wells Fargo official website on the date of my application. This is verifiable and undeniable.
Consumer complaint received 2024-08-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

I am writing to formally state that the account in question is not mine and was created or accessed without my knowledge or consent. I believe that my personal information has been unlawfully used by an unknown individual ( XXXX ) to establish this account, which constitutes identity theft. 

I have never applied for, authorized, or managed this account in any capacity. Any activities, transactions, or communications associated with this account were not conducted by me and should not be attributed to me in any way. 
XXXX : {$4500.00} XXXX  {$860.00} I am actively taking steps to protect my identity and have reported this incident to the relevant authorities. I request that this matter be thoroughly investigated and that all fraudulent activities linked to this account be immediately halted.These accounts have been deleted from my transunion credit report. I recieved a letter from the comapnay stating they would delete the accounts from my credit reports. I have attached proof of the information and letter.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

When you want to place a " credit freeze '' with Trans Union, they require you to submit your driver 's license or other form of government ID. Neither XXXX or XXXX require this. Trans Union 's requirement of more personal information from a consumer to place a credit freeze seems unnecessary and burdensome. As evidenced by the XXXX breach, these companies can not be trusted to protect our information. One should be able to place a credit freeze without providing additional information. 

" To set up a security freeze with TransUnion, please visit our online form. You should be prepared with the following types of information : A copy of a government-issued identification card, such as a drivers license or state ID card, etc. 
A copy of a utility bill, bank or insurance statement, etc. '' https : //www.transunion.comXXXX