davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (NJ)

XXXX XXXX, XXXX aka XXXX XXXX XXXX is located in South Carolina and is a collection company that is attempting to collect for Continental Finance on 2 debts in the amounts of {$2700.00} and {$2100.00}. I have previously notified the FTC that the accounts were compromised as a result of identity theft, yet rather than remove the accounts disputed through the proper channels, they have repeatedly reported false information to the 3 credit bureaus, XXXX XXXX, XXXX and XXXX. this has happened since XXXX of 2024. I have disputed the debt with them on 3 separate occasions and also with the 3 credit bureaus but they refuse to follow the laws governing the FDCPA.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

i had my account in capitalone bank with a balance of XXXX $ .suddenly i was emailed that my account has been restricted and you need personally present in the bank which i already updated that i was not in country and requested for my balance cheque which they promised that they will send.it has been more than 90 days nothing is recieved. 
Now i want a commitment by them to trasfer my XXXX $ in my account details are as follows : XXXX XXXX account number:XXXX  Routing number:XXXX kindly send the deposit in my account. 
it would be a great honour of CFPB team if you can resolve the issue.you can check the previous complain regarding the transaction.and write a letter to company.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Creditors Bureau Associates (LA)

Request for Removal of Incorrect Employment and Address Information Dear [ Credit Bureau ], I am writing to dispute incorrect information on my credit report regarding my employment and addresses. 

XXXX. Employment : XXXX XXXX is not my place of employment. Please remove this from my report. 
XXXX. Addresses : The following addresses are incorrect and not associated with me : XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX Please correct these inaccuracies as soon as possible. Ive attached my identification for verification purposes. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX box XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Creditors Bureau Associates (LA)

Im writing to formally dispute the following hard inquiries listed on my credit report that I did not authorize : XXXX XXXX, dated XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, dated XXXX XXXX, XXXX Please remove these inquiries as they were not initiated by me. Ive included a copy of my credit report highlighting these items for your reference. Recently my information was stolen and is now being used. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Louisiana XXXX XXXX XX/XX/XXXX XXXX. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am REWRITING to TRANSUNION to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/1976. The FTC report numbers related to this complaint are XXXX, XXXX, and XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DE)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (MD)

Heres a detailed description that emphasizes the severity of the situation : I recently experienced a deeply troubling case of fraud involving a car dealership that has caused significant financial and emotional stress. I entered into a contract with what I believed to be a reputable dealership and provided a {$16000.00} deposit as part of the agreement for the purchase of a vehicle. This deposit was explicitly stated in the contract and was supposed to be applied to the loan amount. However, I later discovered that the dealership never applied the deposit to the loan, effectively pocketing the money. 

To make matters worse, the dealership I initially thought I was dealing with turned out to be using the name of another dealership, adding a layer of deception to the transaction. When I attempted to take legal action to recover my funds, the dealership abruptly filed for bankruptcy, seemingly to shield themselves from any accountability. Their actions demonstrate clear intent to defraud me and other potential customers. 

I have been left saddled with a loan that is far higher than it should be, while the dealership has escaped liability by using deceptive practices and hiding behind a bankruptcy filing. Their fraudulent actions have not only put me in a difficult financial position but have also shaken my trust in businesses that are supposed to operate ethically.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed of my consumer report and noticed that I have two late payments on my account that I was never late for my Consumer Reporting agency have assumed a vital role and have responsibility to report consumer information to the best of they ability with maximum accuracy in have never been late on payment to the account XXXX XXXX XXXX XXXX  please investigate and provide proof with statements showing that this payments were late if proof can not be provided i demanded this payments be updated to on time as they should be as i was never late thanks
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am seeking your help regarding the misleading account on my credit report. The harm to my reputation is significant, and I urgently need your intervention. Your handling of this has caused immense damage, and this incorrect data must be removed from my report immediately.
Consumer complaint received 2024-10-07
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. (CO)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-09-14
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: Experian Information Solutions Inc. (FL)

On XX/XX/2024, I submitted a formal dispute letter to Experian, contesting several collection accounts that appeared on my credit report. These accounts were inaccurate and not recognized by me. In my letter, I requested that Experian validate these accounts and provide the necessary documentation to support their presence on my report, as required by the Fair Credit Reporting Act ( FCRA ). Despite providing all required information and documentation, I did not receive any response from Experian within the mandated 30-day period. 

The accounts in question are as follows : 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 Since I received no response, on XX/XX/2024, I sent a follow-up dispute letter to Experian, reiterating my request for XXXXalidation of these accounts and demanding their removal from my credit report if they could not be verified. I reminded Experian of its obligation under Section 611 of the FCRA to conduct a reasonable investigation and respond within 30 days. 

To date, Experian has failed to provide any response, and the disputed accounts remain on my credit report. This lack of action on Experian 's part not only violates the FCRA but has also caused significant harm to my creditworthiness and financial reputation. I am now submitting this complaint to the CFPB, as Experian 's continued non-compliance with the FCRA and refusal to rectify this issue have left me with no other recourse. 

I seek immediate intervention to ensure that Experian investigates this matter thoroughly and removes the unverified accounts from my credit report.
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I first left school  fall of XXXX  I began paying on all my loans after the " rash '' in XXXX  I was placed on a " forbearance only repayment '' on the interest my principal doubled/ tripled and never went down I payed my payment with usually extra $ XXXX {$100.00} any where between $ XXXX {$400.00} every month for years and my principal never got touched they company customer service employees used to question my priorities asking how I kept my cellphone on but wasn't making my payments after awhile I lost my job and had to make a decision to have a cell for emergencies or pay a student loan bill that never lowered I never graduated and because I couldn't receive a loan in 2008 I had to drop out of school I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/24 Last XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Dear JPMCB Auto Finance, I am writing to dispute inaccurate information regarding an auto loan that is currently listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX ] - **Creditor** : JPMCB Auto Finance - XXXX*Type of DiscrepancyXXXX : Inaccurate Auto Loan Information Upon reviewing my credit report, I found that the above-referenced auto loan account contains incorrect information. Specifically, [ explain the discrepancy, such as incorrect payment history, inaccurate balance, incorrect account status, etc. ] In compliance with the FCRA, I request that you investigate this matter and remove or correct the inaccurate information regarding this auto loan on my credit report. Please complete this investigation within the required 30-day period and provide me with the results of your investigation. 

Additionally, I ask that you notify the creditor of my dispute and ensure that they cease reporting the inaccurate information. Under the FCRA, it is required that all information reported to credit bureaus is accurate and verifiable. 

For your reference, my personal information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24 Last XXXX XXXX XXXX Thank you for your prompt attention to this matter. Please confirm once the correction has been made. If you require any additional information, please contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCSPLUS INCORPORATED (NY)

During COVID I lost of forms of income and ERAP covered the past due rent. The landlord accepted the amount and still forwarded it to a debt collector. I disputed it with the credit agencies and they claim the debt stands. I have the written proof it was paid immediately
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (CA)

Asking for help with that XXXX XXXX XXXX but I got turned down by the student loan servicer, my loan should be forgiven since it was a XXXX  XXXX XXXX.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (CO)

I initiatiated two transfers from XXXX XXXX to Ally Bank. 

Transaction ID XXXX for {$16000.00} to Ally Bank Account XXXX XXXX Transaction id XXXX for {$5000.00} to Ally Bank Account Number XXXX Ally rejected the ACH transfers. 

The XXXX ACH was rejected by XXXX XXXX  for insufficient funds and the money was returned to XXXX XXXX  and thus to me. 

The XXXX was rejected by Ally but the funds were not returned to my XXXX XXXX account we don't know why. 

I disputed the ACH with XXXX XXXX  who rejected it because they couldnt return it without permission from Ally because it was it was authorized, but it did not go thru. 

XXXX XXXX  called XXXX who told XXXX XXXX  to open a case and they confirmed that the money was credited to a settlement account at Ally on XX/XX/30. 

On XX/XX/XXXX, I had a call with XXXX XXXX  and Ally and a case was opened with the Ally ACH department and I was promised communication within 48 hours, never heard from them. 

On XX/XX/XXXX, XXXX XXXX  and I called Ally again, and they promised to fax a letter giving permission to return the ACH to Ally. 

At this point, I'm appalled with Ally and their lack of concern for resolving the situation. They have a responsibility to do the right thing and do it in a prompt manner.
Consumer complaint received 2024-09-13
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Called the company Fair Collections and outsourcing in XX/XX/year> for the amount of {$33000.00} and ask for a validation of debt the correct amount and documentation be sent to me the debt collector said she would get back to me with correct information and send a validation letter i never received this info since then ive disputed multiple time with no resolve
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (FL)

My Affirm debit card was compromised and I canceled my debit Affirm card after discovering this. 

Upon reviewing all my statements and Affirm account, I noticed that my card was used at various vendors, including XXXX, XXXX, and XXXX XXXX ( a total of {$640.00} ) Only the issue with XXXX was addressed and money was refunded to my account. The rest is still in the air waiting for resolutions and when I call and talk to the supervisor all I get is : " We are escalating your case, and you will have a confirmation within 4 to 6 business days ''. However, I've been waiting for more than 120 days to get the money that belongs to me. 

its clear that Affirm is not cooperating, and the special department handling my case is not resolving any issues. Even after escalating it with more than four supervisors ( XXXX, XXXX, etc. ), there has been no progress. 

Please find details of the breakdown for the pending money to be sent back to my personal checking account : XXXX XXXX XXXX XX/XX/XXXX : {$100.00} XXXX XXXX XX/XX/XXXX : {$76.00} XXXX XXXX XXXX : {$49.00} XXXX XXXX : {$110.00} ( case won XX/XX/XXXX, Affirm claims that they sent the money back to my checking account on XX/XX/XXXX ). 

After confirming that no money was refunded to my account, I contacted Affirm and provided all the bank statements to prove that the refund was never processed. 

I have attached the only communications received from Affirm but it's clear that this company is not cooperating and this is very unprofessional. 

Affirm took my money 10 days before my due date to pay the rent, and I was late with my payment because I didn't have the funds available. 
The worst part is that, thanks to affirm, I now have late fee to pay for {$500.00} towards my rent,
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is reporting incorrect information and there is no one who can assist in the matter. 

I disputed the information a number of times online yet it keeps coming back incorrectly. 

Have called experian a number of times but they dont have any customer service agents available. 

Had a lease with XXXXXXXX XXXX  Returned the car to the dealership when the lease was up in perfect condition. 

Someone at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA, damaged the vehicle, XXXXXXXX XXXX sent a letter to me for damages. Reached out to the dealership to address multiple times, they would not do anything, nor did they send me a video of who caused the damage. 

I paid XXXX in full the amount owed- the damage caused after the vehicle was turned in Account keeps showing as not paid in full
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Navient : We Repeatedly asked Navient for lower interest rates, a forbearance and/or hardship relief. No options were " available '' under 7. % interest. We have paid Years of high interest rate which means we've already paid XXXX the loan amount back in interest alone. XXXX XXXX  loan originally, we now have paid XXXX XXXX  in interest alone! There remains a XXXX XXXXXXXX balance in principle after all these payments for years. Now they've sold the loan to another lender since being banned to be a provider of student loans. 
Years and years of interest paid already. 
I had a serious accident and my son suffered unemployment, serious medical XXXX and while receiving treatments this company wouldn't lower interest or allow forbearance or temporary relief. They claimed they had no hardship relief programs.