davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I have been dealing with the same issue with Amex since XXXX / XXXX when I enrolled in their financial program. I've made a payment being told it would be for XXXX and then the payment went thru XXXX. Thru multiple calls, that takes hours, I was given conflicting information and was always left with them saying they would " investigate '', took months to come to the conclusion that it was on me to fix the issue cause their system had no ways to make adjustment. So in XXXX they I've made THREE payments. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for {$65.00} each. That was to cover the XXXX payment ( they refunded the one I made in XXXX that was to go to XXXX and didnt ), the XXXX payment and the XXXX payment. That was supposed to put my account on track according to their directions. Yet, month after month they continue to report me as having a missed payment. Every time my credit refreshes, the missed payment moves to the last month... it's been 3 months that my account shows missed payment 30-59 days. No matter how many times I call and ask them, what do they want me to do to fix this?! They offer no solution other than say they will open an investigation, I never head back. and month after month, this continues to impact my credit negatively while I am making my payments as agreed. I have exhausted all the possibilities with them, I have spent countless hours on the phone. This has to come to an end. They must offer a resolution for this once and for all. This negative remark has to be fixed and the missing payment reports has to stop.
Consumer complaint received 2024-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (CT)

I had Well Fargo for Lender since XXXX  till XXXX, they charge me for many things in my mortgage statement every month., recently the contact me they Well Fargo., the I was enrolled in product the I never authorized. I QUESTION THAT BEFORE BACK XXXX, Because I know some tings was wrong was stress, frustration single mom trying every month to make this payment., CUSTOMER SERVICE WAS NOT NICE TO ANWSWER ANY QUESTIONS.
Consumer complaint received 2024-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CT)

Dear CFBP, I am XXXX XXXX XXXX , a full time XXXX at XXXX  XXXX  XXXX , XXXX XXXX ( XXXX XXXX ) and on XX/XX/XXXX I signed Direct PLUS Loans, its corresponding MPNs, and finished the entrance counseling with the Department of Education , Student Aid. 

I have been receiving several emails collecting on a previous private education loan from Discover Student Loans. After calling several times, and being on the phone for a total 96 minutes on their XXXX number, they confirmed to me that both Student Aid and XXXX  XXXX  XXXX need to update the " NSLDS '' in order for me to be placed in student deferral. 

This has been a very trying and tiresome process, filled with opaque rules, and it seems nobody I talk want 's to take ownership of the issue here. I have been very polite at all times but this seems to be designed as to push me, and other students in similar situations, to hire a lawyer at our expense even though I am a law-abiding tax payer. 

I have also shared with them official documents confirming all the above. 

I am sending this complaint so CFBP can contact them over what my XXXX  status can and should be. 

Thank you for any help your team can provide. 

Respectfully,
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (AR)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts
Consumer complaint received 2024-10-01
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. (TN)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX is misreporting my loan from XXXX  as being late. This was discharged in bankruptcy and it seems the group that managed my loan no longer exists. The reported phone number on my credit profile does not function. The old payment portal XXXX XXXX XXXX does not function. Calls to them show its no longer a working number. It should have aged out by now, but it does not. All other accounts have disappeared from that era including other vehicles. 

The late reporting was a violation of the automatic stay from the bankruptcy case and I have spent this entire time trying to get it removed only for the credit bureaus to pretend to investigate it falsely.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XXXX XXXXXXXX XXXX has been calling my work phone multiple times of day, usually at least 5 times in one day. They called the same office phone 10 times in one weekend. This is on top of the 5+ times a day they call my cell phone. They sent my bill to a collection company a few months ago so I feel I no longer need to work with them on my bill because I am already working with the collection company making payments. I did advise them of this but they call incessantly all hours of the day and night.
Consumer complaint received 2024-09-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (MD)

I am opening up a new complaint as Vance & Huffmans response to my first complaint was inaccurate and misleading. Vance & Huffman to this day ( XX/XX/year> ) has yet to send me written notification as to who they are. They claim to have sent me notification on XX/XX/year> and I told them they did not ; I asked them to simply re-send what they claim to have already sentthey have not. I have checked my spam email and my inbox, there is nothing from Vance & Huffman. They also have my physical address to mail items. If they truly sent something, it should be easy to simply re-send yet they have not. I do not know who this company is, I have no documentation as to name, mailing address, when alleged debt was obtained by Vance & Huffman, account numbers, nothing. I had never heard of this company until I received a credit report alert on XX/XX/year>. It is my right to receive validation information within 5 days of first contact ; I have never been contacted by this company. I had never heard of them prior to receiving a credit report alert which prompted me to contact them. I have no emails, I have no voicemails, I have no physical mail. I do not know who this company is yet they placed a collection on my credit report. The online reviews of Vance & Huffman suggest that this is a practice they repeatedly engage in ; to place collection accounts on credit reports without having sent information on debt collection rights and validation.
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (TN)

I am a customer with One Main Financial> The loan I have with them is due every XXXX day of the month. 
if the payment is not made on this date, the calls begin .This company ( maybe just this office ) has aggressive methods almost to the point of harassing customers. it has always happened however these last 2 months I believe they are crossing boundaries. 
last month I did not have my payment amount on the XXXX, I informed the agent I would make my payment on my payday XX/XX/XXXX. The agent goes so far as asking what time I would make the payment, I informed her XXXX. I received a text message on XX/XX/XXXX stating I really need to contact the office to discuss my account, Today XX/XX/XXXX a representative called I advised I would be making my payment on Friday XX/XX/XXXX. The representative states until the payment is made we will call, also stated will note payment will be made on Friday. 
I understand I signed for a loan, I agree to make my payments, I am not ignoring phone calls therefore IF the consumer states when the company can expect the payment continuous calling IS a form of harassing. It is also pointless for me to inform this company of being late, providing an expected payment date if I am steadily being unnecessarily harassed. I am sure they will say the calls ( which are at least 3 or 4 times a day ) are computer generated but this is also excessive. I understand their job/position but their practice are overly aggressive
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kentucky Higher Education Assistance Authority (AZ)

I have a letter from the FSA dated XX/XX/year> that says the following :.

We have carefully reviewed your application for borrower defense and determined that any loans that may have been eligible for discharge related to your enrollment at XXXX XXXX were previously cancelled or discharged.

Yet this continues to remain on my credit report regardless of how I try to get it off. The only XXXX loans I've ever had were from XXXX XXXX XXXX which, due to scamming myself and others ( verifiable by just doing a simple XXXX search ), changed their name to XXXX XXXX XXXX This should be removed from my credit report. Not only did XXXX XXXX withhold my XXXX because they said I needed to pay my XXXX loans in full, but they lied to get me in the door. They specifically said they had a work placement department that would get me interviews with companies in my related field, which was XXXX XXXX XXXX XXXX Well, the only thing they had for me was XXXX XXXX XXXX XXXX XXXX, to which I said the only reason I went with your school was because you said I would get interviews for jobs in my field as I got close to XXXX 

This is where the loan originated, and whether it was bought, sold, or refinanced doesn't matter. It's with XXXX now, but the FSA said it's discharged, and I want it removed ASAP. I have documentation if needed.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (FL)

After looking over my consumer report I've noticed that the creditor listed in my dispute letter is reporting multiple late payments to my consumer report without properly sending me any statement document from every month that this account reported. I am aware of 15 US CODE 1666b - Timing of payments, and that they must not report my account late for any reason without following that procedure. I never received any statement document prior to my bill neither by mail or email in which this is a violation their behalf. In accordance of 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) ( 2 ), states " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' in which this information shouldn't be on my consumer report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Aldous & Associates, PLLC (DE)

Dear Sir/Madam, I am writing to formally dispute the account referenced below and request detailed proof of compliance with XXXX XXXX XXXX. 

Account Information : Account XXXX Creditor : Aldous XXXX Company I believe that this account is not properly validated and is inaccurate for the following reasons : Lack of Proper Validation : The debt has not been validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I have not received any documentation that substantiates the validity of this debt. 
Improper Handling of Personal Information : I have reason to believe that my personal information has been mishandled, leading to inaccuracies in my credit report. 
Failure to Correct and Delete : Despite my previous requests, it has been over XXXX  days, and the issue has not been corrected or deleted from my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. I feel that I am being taken advantage of due to the lack of proper validation and the mishandling of my personal information. 

Request for Detailed Proof of Compliance : I request that you provide detailed proof of compliance with XXXX XXXX XXXX, including but not limited to : Documentation validating the debt. 
Evidence of proper handling of my personal information. 
Proof of timely correction or deletion of the disputed information. 
Please consider this letter as a formal dispute and a request for investigation. I expect a response within XXXX  days, as required by law. If the requested information can not be provided, I demand that this account be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC (SC)

XXXX Hope you good Im reachin out to tell you I dispute the debt under the Fair Debt Collection Practices Act No need for more proof or documents Im just lettin you know I aint with it If you need to reach me do it by email only Monday to Friday from XXXX to XXXX east coast time Anything else like live calls voicemails or sendin mail through USPS XXXX or XXXX is just too much of a hassle Thanks for XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (SC)

I dont know who Im supposed to talk to, but Im tryna buy a house, and yall got this account marked as disputed. Thats messin me up, and I need it gone today. Why yall keep messin with peoples accounts like this? This dont make no sense at all.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NEW CITY FUNDING CORP. (NY)

To Whom It XXXX Concern : Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on [ XXXX ]. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$200.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (CA)

BEEN FAXING MODIFICATION IN CALIFORNIA SINCE XX/XX/XXXX, TAKE OUT OF REVIEW AND IN IS BEFORE 30 DAY SALE NOW SALE XXXX AND SAY NEED MORE PAPERWORK I NEVER GET A CALL OR MAILED MISSING PAPERWORK AM A TRUCK DRIVER SO ALWAYS ON THE ROAD REFAXED PAPERWORK AGAIN
Consumer complaint received 2024-09-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (OR)

I disputed account and asked for proof to show account was written off or 1099c So client can file on income taxes.They did not respond or show proof debt was written off. 

XX/XX/year> I called company on behalf of client to request proof debt was written off and copy of 1099c. I was told my XXXX XXXX " No ''. My client would not be able to get proof account was written off.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello My Name Is XXXX XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. its A credit card that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating and the account does not belong to me wrong name my name Has Sr on it Heres the account number Account Name - Capital One Open date - XXXX Account name Capital One Open date XXXX According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law.

Also every piece of information on this account is not reporting 100 % Accurate.

According to FRCA 15 USC 1681 Everything has to be 100 % accurate Please remove This Account Wrong opening date I will be forced to seek legal representation to protect my rights. Should I take legal action become necessary, the following costs will be incurred : 1. Attorney 's Fees : Approximately {$3000.00} to {$5000.00} for legal services. 
2. Court Costs : Estimated at {$500.00} to {$1000.00} 3. Potential Damages : Depending on the severity of the impact on my credit, damages may range from {$10000.00} to XXXX XXXX looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system