davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023.
Consumer complaint received 2024-10-09
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (CA)

I have multiple concerns about EdFinancial. 

I called them multiple times this month to get information on the SAVE plan. They have over a two day wait period for callbacks and several times I did not receive any callback. When I finally did, I was told wrong information about consolidation and PSLF. The service representative did not seem to know what consolidation was. She also could not tell me when my grace period ended or when my payments were due ( she told me the wrong date and when I said that the website said a different date, she was confused and told me she didn't know ). 

Secondly, EdFinancial sent me a letter XX/XX/2023 stating that I owed over {$2000.00} in interest on my loans. However, the XXXX website ( updated as of XX/XX/2023 ) showed I only owed {$1200.00} in total interest. I am not sure how EdFinancial is calculating their loan interest but it seems like they are scamming lenders.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.
Consumer complaint received 2023-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

This is follow-up to complaint XXXX. 

I still have not received my overpayment refund that I've been expecting since XX/XX/2023 ( XXXX months ). 

The letter that I received from complaint XXXX stated that a refund would be manually processed in the coming weeks. It's been another month, and I haven't received anything. 

Also, MOHELA did not reply to my request asking what the amount of the refund is.
Consumer complaint received 2023-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CA)

In XXXX of XXXX I was an XXXX of Wells Fargo but was let go, I was currently working with the XXXX modification program but since I was let go they denied that application. I tried to apply through the normal channels for a loan modification but with recently being unemployed I would not qualify. I went to another company called Keep your home California and was approved, they were going to pay my arrears and my loan payment for one year. There were documents that they needed from Wells Fargo and both myself and the company requested it several times. Had Wells Fargo handled the request in a timely manner that loan would have closed and I would still have my home today. Because of their procrastination Wells Fargo trustee sold my home in XX/XX/XXXX, they advised me to go to the court house to see if I could stop it, but ultimately I watched my house be auctioned off. Their lack of willingness to simply send over the documents that were required by the company that was going to help me caused my home to go into foreclosure.
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One has been negligent with my security and provided false information that indicated charges had been dropped due to fraud. Two months later all charges were reestablished which caused me over {$30000.00} in damage. 


In XX/XX/2020, Capital One granted a request made by my separated husband at that time, to be an authorized user from my credit. He received a credit card in his name on my account. I had no awareness of this transaction as I had not used my account in over a year. He was able to make this transaction online by changing the phone number to his. He and I were going through a divorce, and I was no longer living at the residence. 


I did not request nor give permission for anyone to be an authorized user of my credit nor receive a credit card in his name. 


I gave no verbal permission with Capital One, and signed nothing. 


I requested to hear any audio recording of my granting permission for my ex to become an authorized user. I was informed it had been established through a computer transaction and he had changed my phone number to his. 


I discovered this in XX/XX/2020 during a credit check, demonstrating that my credit rating had fallen from excellent to good. Within 4 months, he had charged {$25000.00} on this account, including a {$4000.00} guitar, and daily maximum cash outs. This in no way reflected my trend in credit card use. He made a request to Capital One to increase credit and was denied. 


Once aware, I attempted damage control and handled the credit rating by using a debt management program to stop the XXXX  % interest. As he and I were undergoing a divorce, this was another item of dispute for which I was charged with extensive hours with my lawyer and was charged with over {$6000.00} in lawyer fees. 


I contacted the Fraud department and made a complaint. I received Capital One statements that indicated charges were eliminated due to fraud. My XXXX  case continued with this no longer being a discussion point. Later, I was later informed that the Capital One Fraud department had investigated and determined that this was not a fraudulent case, rather a marital divorce case. At that time all charges were reestablished. I had divorced and had responsibility for my credit.

The Capital One Fraud department refused my request for an appeal of their decision. Capital One acted in their own interest rather than investigating the lack of my personal security which led to my cost of over {$25000.00} debt and {$6000.00} in lawyer fees, as well as over 10 hours of dispute with Capital one over my security and fraud.

I would like to appeal this decision and have funds returned to me, as well as my legal charges during this dispute. 


Regards, XXXX XXXX, Formerly, XXXX XXXX
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I reviewed a copy of my credit report and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX and XX/XX/XXXX. 

I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX and investigate such occurrences. 

I also have contacted the credit bureaus and this account still has not been deleted.
Consumer complaint received 2023-10-28
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 Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible when the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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. 


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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (NJ)

I am trying to qualify for a home. I checked my credit and notice this company NCB management reporting a collection account. I refuse to pay this alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that NCB provide verification and proof of this debt, including a copy of my original contract with NCB Management Services. Until such documentation is provided, I do not acknowledge or accept liability for this debt.

Additionally, I would like to bring to your attention that several violations of the FDCPA have occurred in your handling of this matter : Failure to Provide Notice : Under FDCPA Section 809 ( a ), you are required to provide written notice of the debt within five days of your initial communication. I have not received such notice, and this debt was reported to my credit without my knowledge or written communication from your office. 

Harassment via Inconvenient Contact : The FDCPA ( Section 805 ) prohibits debt collectors from contacting consumers at inconvenient times. Despite this, I have received calls from your office at times that are disruptive and inconvenient, in clear violation of this law.

Failure to Provide Validation : The FDCPA ( Section 809 ( b ) ) grants me the right to request validation of this debt. You have not yet provided any proof that this debt is valid, nor have you demonstrated that NCB Management has a legal right to collect it. Until such validation is provided, collection efforts must cease.

I demand that you provide the following : A copy of my original contract or agreement showing that I owe this debt to NCB Management.

Proof that NCB Management is legally authorized to collect this alleged debt which includes a copy of their agreement with XXXX selling them rights to collect this debt. 
A detailed accounting/ audi of the debt, including any fees and interest applied. Every document NOT just statements I demand to have these documents in my possession within 30 days or will proceed with filing arbitration against NCB
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the accuracy of certain collections and charge-offs reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. Specifically, I believe the following accounts are being reported inaccurately and require immediate investigation : 1. **Account Name/Number : ** XXXX XXXX XXXX XXXX : ** XXXX XXXX 2. **Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX*Creditor : ** XXXX XXXX 3. **Account Name/Number** XXXX XXXX XXXX XXXX **Creditor : ** XXXX 4. **Account Name/Number** XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 5. **Account Name/Number** XXXX XXXX XXXX XXXX Under Section 611 of the FCRA ( 15 USC 1681i ), I am entitled to have these disputed items investigated and corrected or deleted if found to be inaccurate or unverifiable. 

In addition, under the FCRA, I am requesting the **Record of Assignment** for each of these accounts. This includes any documentation or agreements showing the transfer or sale of the debt to the current creditor or collection agency. If no record of assignment exists, I request that these items be removed from my credit report as they can not be legally verified. 

Please find enclosed the following documents to support my dispute : - A copy of my identification [ e.g., driver 's license, passport ]. 

I request that you : 1. Investigate the disputed accounts and correct or delete any inaccurate information. 
2. Provide me with the record of assignment for each of the disputed accounts.

3. Update my credit report to reflect any corrections made.

4. Inform me of the outcome of your investigation within 30 days, as required by law.

Please note that failure to provide the requested information or correct these inaccuracies may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (CA)

Hello, the complaint filed on XX/XX/year> via CFPB with Experian took longer than 30 days to be resolved. I am requesting to have the bankruptcy deleted from my credit report as the company, Experian failed to provide the method of Verification. I contacted both the US Bankruptcy court and XXXX XXXX both claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA MUST REMOVE OR CORRECT INACCURATE OR UNVERIFIED INFORMATION FROM ITS FILES, USUALLY WITHIN 30 DAYS under 15 USC Sec 16811i ( a ) I have enclosed their letter for your inspection. Please DELETE this item from my credit report as it is NOT verified.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

My debit card info was stolen. When I first filed the claim with Cashapp the first time, I wasn't aware that my smart watch had been stolen and my digital wallet was compromised. I have had issues on other cards because of this as well and when I was filing the claim with that company they asked if my phone, tablet or smart watch had been stolen and I realized that maybe thats how I was compromised. I took my XXXX XXXX off to shower at the gym a few days before the charges started. I forgot to put it back on when I got out and didnt realize it until I got home. I called the gym to ask if it was turned in but they didnt get it and each time I went in afterwards I asked if it was found with no luck. On this account I have a total of 4 fraudulent charges. Cashapp initially denied my claims almost instantly so I re-filed the claims but they still instantly denied them with no explanation and still havent given me the paperwork used to deny me.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian posted incorrect information about an account on my report instead of deleted it when they saw the red fraud flags. The fraudulent account was reported delinquent when it was not. I asked them to delete it like the other 2 agencies did and they refused to even when they had a police identity theft report FTC report and FCC report on file, the same ones the other 2 agencies had. They listed it as a new account with collections so collections would not know what they actually did also and so Experian would not know. They did it under the pretenses of a new account and even changed the account number. This is why collections refused to close the account because the old information did not match the false /fake/fraudulent new account listed in collections. 

XXXX reported False information to Experian about an account that was purchased by XXXX XXXX XXXX XX/XX/XXXX ending in XXXX. XXXX and XXXX deleted it from my report because they noticed there was no XXXX inquiry or late payment reported until XX/XX/XXXX when the account was already paid and contract between myself and XXXX dissolved in XX/XX/XXXX. Experian refused to delete it knowing this because they said " They required XXXX to contact collections and admit they reported false information and XXXX refused to tell the truth ''. XXXX called me at work and told me that they reported to the FCC instead, that They were aware that I traded in my devices XX/XX/XXXX. This means they no longer belonged to me since XX/XX/XXXX. I asked them to delete what they falsely reported to collections in XXXX cause they claimed XXXX XXXX XXXX forgot to pay them when I traded/ported my devices bill and contract to them. XXXX reported false information to the Credit Bureau saying I owed them money From XXXX XXXX to XX/XX/XXXX In the Amount of {$1300.00} under a fake account, which was false information. They did it because they knew I was in XXXX XXXX and depended on XXXX XXXX and knowingly reported false information to collections. They told collections it was a new account when the account in question was an old account that was acquired by XXXX XXXX XXXX which they knew and admitted on the phone while I was at work. I asked them to deleted the false report under the FCDPA and they admitted that it was a false report and claimed instead they would verbalize the account as " traded in ''. I explained this to Experian and provided proof that they lied about the NEW account, and even provided an alibi and bank statements in addition to a identity theft reports from FTC and FCC and police. They instead lied and said they had to wait for XXXX to contact collections when I showed proof that XXXX and XXXX deleted it. I asked them to remove the outdated and false information and they kept lying and making excuses.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. 

I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ND)

Multiple times in the last month I have spoken with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. ( the agency that collected the debt ), they have both verbally and in writing confirmed the debt is paid in full in settlement. They had updated Experian with this information, but now they updated Experian again, showing the account has a balance and is past due. 

I'm tired of asking them to fix this error, so now I want the world to know what they're doing to my credit.
Consumer complaint received 2023-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (MI)

I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 

Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX