davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX They had remove the money off of my account the original dispute. 
When I went to my account somedays later, it reappeared on my account I inquired what's going on, they said they did an investigation determine I was responsible I wrote them a letter explain to them I never been to Kentucky nor the XXXX XXXX XXXX XXXX I dont gamble, They did not do a thorough job of looking into the matter, didnt check with the airlines to see if I had traveled there.You can see on the documents sent to me, the wrong phone number and e-mail address are not mine.
Consumer complaint received 2024-07-18
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: Marlette Funding, LLC (CA)

best egg XXXX XXXX XXXX XXXXXXXX XXXX did a hard inquiry opened and vlosed account i called them they were supposed to remove this illegal inquiry they have nbot done so yet
Consumer complaint received 2024-07-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NY)

firstnark student loans has ruined my credit- I had XXXX XXXX XXXX they repoirted me as late to the credit bueraus causing my credit to go down to XXXX i have asked a XXXX  times about loan forgiveness - was not aware these loans were private and not federal loans. They ruined my credit!!!!!!
Consumer complaint received 2024-06-18
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. (NJ)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

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 with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

None of these belong to me. 

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 2024-07-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank has called repeatedly, surpassing the number of calls allowed in a week after being told to not contact me by phone and to stop calling repeatedly. 
Here are the recent calls : XXXX - 7 times XXXX - 4 times XXXX - 4 times XXXX - 5 times XXXX - 7 times XXXX - XXXX - 9 times This occurs daily and despite being told they are harassing me they continue to call repeatedly
Consumer complaint received 2024-07-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (TX)

Contacted Westlake Financial services to request a deferment of the payment due for XX/XX/year> as I am in an affected area of declared disaster from hurricane XXXX in Texas. 

While attempting to ask for the deferment, the agent on the phone sent me a text message to sign a deferral agreement. She advised me to sign the document twice. 
The second signature was supposed to be that of my co-signer. 

I advised the agent that was my ex-spouse and as I am not that individual it was illegal and fraudulent for me to sign as another individual. She said, that it didn't matter they needed two signatures to proceed, if I wanted the deferral this was what had to be done. I explained I am no longer in contact with this person and they have no financial decisions regarding the account. 

Also was previously advised that I could have the co-signer removed from the account by requesting removal via notarized letter with both our signatures, then was later informed that they will not under any circumstance except death remove a co-signer from an executed contract/agreement
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (OR)

I am writing to formally lodge a complaint against Mr. Cooper, also known as Nationstar, regarding serious violations of bankruptcy laws during my recent bankruptcy proceedings. 

During the period of my open bankruptcy and under the legal protection of the automatic stay, Mr. Cooper/Nationstar egregiously breached bankruptcy laws in the following ways : 1. **Foreclosure Process During Bankruptcy Stay : ** Despite the automatic stay being in effect, Mr. Cooper/Nationstar continued to progress with the foreclosure process. This included hiring inspectors and taking steps towards foreclosure, which is a direct violation of the automatic stay provision under bankruptcy law. 

2. **Harassment via Debt Collection Letters : ** Throughout the bankruptcy stay, I received multiple harassing letters from Mr. Cooper/Nationstar asserting debt owed and threatening action inconsistent with the protections afforded by the bankruptcy process.

3. **Incorrect Reporting to Credit Bureaus : ** Furthermore, Mr. Cooper/Nationstar inaccurately reported information to credit bureaus during the bankruptcy stay, which has had a detrimental impact on my credit score and financial standing. 

These actions are not only unethical but also illegal under federal bankruptcy laws designed to protect individuals during financial hardship. I have made numerous attempts to resolve these issues directly with Mr. Cooper/Nationstar without success, prompting this formal complaint.
Consumer complaint received 2024-07-22
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: Resurgent Capital Services L.P. (PA)

I looked at my credit report, and I noticed some inaccuracies. I sent a letter to XXXX also XXXX asking them to investigate these accounts. I sent it mail- And according to 15 USC 1681 ( 5 ) | see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated I do not have a contract with XXXX XXXX. I have not authorized my signature and asked for validation of these accounts Inquiry details XXXX  XXXX VIA DEALER ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (CA)

Purchased a vehicle A XXXX XXXX XXXX ( XXXX ) from caravana on XX/XX/XXXX and after paying the {$1900.00} down payment with the shipping fee and arranging the date of delivery the vehicle was never delivered to the address listed and the company refuses to give any information only states that my application was denied, which makes no sense seeing as I had approved financing from outside lender and caravana proceeded to send me the purchase contracts which needed to be endorsed, which I did as well. Contracts were uploaded and accepted by Carvana as well as timestamped that same day but to this very day the vehicle has not been received and Carvana continues to force to submit this report regarding their poor quality of service as well as rapport between customers and agents. Also the down payment in their words was sent back to my account but upon review as well as a copy of consumer report per XXXX XXXX XXXX, they payment shows it was returned to an account that was held by XXXX XXXX and initially came from my account at XXXX XXXX XXXX.
Consumer complaint received 2024-06-07
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

XXXX has reported your account as over or at your credit limit. Experian and this company is not trying to work this situation I ask them to verify the information send me a contract on validate the debt owe in they hit me with im over the limited I also gave a police report on the debt it was also remove in put back on by ExperianFor example, in a copyright infringement lawsuit, section 504 of the Copyright Act provides that the copyright owner may elect, at any time before final judgment is rendered, to recover, instead of actual damages and profits, an award of statutory damages for all infringements involved in the actionin a sum of not less than {$750.00} or more than {$30000.00} as the court considers just. In a case where the copyright owner sustains the burden of proving, and the court finds, that infringement was committed willfully, the court in its discretion may increase the award of statutory damages to a sum of not more than {$150000.00}. In a case where the infringer sustains the burden of proving, and the court finds, that such infringer was not aware and had no reason to believe that his or her acts constituted an infringement of copyright, the court in its discretion may reduce the award of statutory damages to a sum of not less than {$200.00}.
Consumer complaint received 2024-07-15
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. (LA)

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 {$1100.00} opened XXXX, Account name : XXXX XXXX # XXXX {$750.00}, Account name : XXXX XXXX {$2000.00} opened XXXX # XXXX, Account name XXXX XXXX XXXX {$8300.00} OPENED XXXX # XXXX, Account name XXXX XXXX {$1200.00} # XXXX opened XXXX, Account name XXXX XXXX XXXX XXXXXXXX {$1200.00} OPENED XXXX, Account name XXXX XXXX # XXXX {$180.00} opened XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. Please delete these inaccurate and unverifiable accounts
Consumer complaint received 2024-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (AZ)

I gave them my social on the grounds that they said they could help me no matter what my credit score. I was sent several emails and mailed pre-approval invitations for installment loans, personal loans, and revolving lines of credit up to {$5000.00}. I keep getting denied even though I have the ability to repay. I got diagnosed with XXXX and need a bit of help and this company is full of deceitful tactics to borrow on my social security number but not allow me to access credit like I'm supposed to have fair access too. They send me emails that describe why a third party denied me but never the notes from a real live underwriter like I've requested several times. They don't help people with bad credit. They set them up for disappointment.
Consumer complaint received 2023-09-30
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXXXX/XX/XXXXXXXX creditor XXXX XXXX XXXX bXX/XX/XXXX This account is not mine. I have no knowledge of this account.
Consumer complaint received 2024-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (WA)

I have documents that shows and proves that all of my loans have been completely paid off. I have paperwork from XXXX saying that {$5800.00}. {$4000.00}, and a {$2600.00}. loans were paid in full. Those loans were subdivided from an original promissory note where i had applied for a {$5000.00}, and {$2600.00} loans but i didn't qualify for them and only received {$4000.00}. loan. I have been paying on loans which i had never received. 
I also have the official paid promissory notes for {$4000.00}, {$1000.00}, and document showing that the {$1700.00}. and the {$1600.00}. went into collection companies. So I owe Mohela nothing if anything they owe me for all of the years I've been paying on these paid loans. I have been contacting Mohela now for a year and I don't seem to be getting anything done about it. XX/XX/year> complaint number with Mohela is # XXXX
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (AR)

ALLY BANK, XXXX XXXXXXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX HAVE VIOLATED THE UNITEDS STATES CODE. 
THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY XXXX. XXXX XXXX REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX.ALLY FINANCIAL XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures U.S. Code Notes prev | next ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-06-03
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've noticed unfamiliar entries on my credit report, suggesting potential identity theft as I haven't authorized these accounts. I've previously raised this concern, and I'm now urgently requesting the removal of these entries. Their presence is causing significant stress as they do not reflect my true credit history or financial conduct. Dealing with this issue has been challenging. If necessary, I am prepared to pursue legal action to safeguard my rights and resolve the matter. These inaccuracies are impeding my progress toward important financial objectives, such as homeownership and supporting my family. I sincerely hope for a prompt resolution to this matter.