davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (PA)

I ask the company Santander account number-XXXX for a investigation on this account to correct anything that is not accurate and the information is still incorrect on one bureau it's reporting XXXX on experian and XXXX on transunion. These both are reporting incorrect. Please hold this company accountable for not reporting 100 % accurate as the law require.
Consumer complaint received 2024-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (MI)

My loan was recently transferred from PHH Mortgage to XXXX XXXX. In my notification e-mail from PHH, I was told that payments up to XXXX would continue to be applied to PHH. However, my automatic payment scheduled through PHH, effective XXXX, was not drafted. It took several days for my loan to activate at XXXX XXXX  and I unnecessarily accrued additional interest as I wasn't able to apply a payment during that period. I've asked XXXX XXXX  to backdate my payment to XXXX as a courtesy, but they've refused, asking that I contact PHH Mortgage for payment questions. 

I contacted PHH Mortgage, who then provided me with this explanation : " Thank you for messaging us. 

Our records show the scheduled draft date was on XX/XX/year>. However, if the draft date falls on a weekend or holiday or if a subsequent scheduled payment falls on a weekend or holiday, PHH will draft on the next available business day. The servicing of your loan was transferred to XXXX XXXX  XXXX on XX/XX/year>. Hence, the Autopay was not processed on XX/XX/year>. 

We are unable to assist you regarding the posting of your XX/XX/year> payment. We apologize for any inconvenience this matter may have caused. 

Message us if you have any questions or concerns. ''
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

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 : Collection/Charge Off : XXXX XXXX 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 2024-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

Sure! Heres a description you can use : I have reached out to the companies involved multiple times regarding fraudulent inquiries on my credit report, but they have not been removed. Despite providing evidence that these inquiries were unauthorized, my requests have not been addressed. This situation is impacting my credit score, and I am seeking assistance in resolving this matter as soon as possible.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Advantage LNS Inc. (TX)

I filed a complaint against XXXX XXXX XXXX on XX/XX/2024, complaint number XXXX regarding a collection account from National Credit Audit , that is currently reporting on my credit report. I provided XXXX with a copy of the XXXX Police Report, and FTC Statement. XXXX, came back on mutilple occasions and stated the account was verified. At this time I would like for XXXX XXXX XXXX to provide the documentation that they used to verify and vaildate the accuracy of the collection account according the FCRA, by conducting a reasonable invesitgation.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sending several times of multiple letters, unverified accounts listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report this negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX  XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

Subject : Formal Complaint for FCRA Violations Inaccurate Information on My LexisNexis Report, Including Incorrect Bankruptcy Complaint Description : I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to multiple violations of the Fair Credit Reporting Act ( FCRA ) by LexisNexis. Despite filing several disputes to correct inaccuracies in my report, LexisNexis has failed to properly investigate and correct the erroneous information. 

Under the FCRA, all information on a consumer report must be accurate and consistent with the consumer 's identification. In my case, the information on my LexisNexis report does not align with my identification, violating my rights under this law. 

I have requested the following : The removal of inaccurate name variations such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The removal of an incorrectly reported bankruptcy on my file under case number XXXX, listed as a XXXX XXXX XXXX, with a filing date of XX/XX/year>, and the incorrect name " XXXX XXXX XXXX XXXX. '' The violations committed by LexisNexis include : Failure to conduct a reasonable investigation : Despite my disputes, LexisNexis has issued automated responses, showing a clear lack of proper investigation, in violation of 15 U.S. Code 1681i of the FCRA. 

Maintaining incorrect information on my report : The inaccuracies regarding name variations and an incorrect bankruptcy remain on my report, which is inconsistent with my identification, thus violating FCRA requirements. 

Failure to correct the information within the required timeframe : According to the FCRA, credit reporting agencies must correct or delete inaccurate information within XXXX days. LexisNexis has ignored this timeframe, unnecessarily prolonging the negative effects on my credit. 

Impact on My Life : The inclusion of an incorrect bankruptcy, alongside the persistence of inaccurate name variations, is severely impacting my financial life, preventing me from accessing credit and other services. The failure to investigate and correct these errors demonstrates clear negligence in LexisNexis compliance with FCRA obligations.
Consumer complaint received 2024-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NH)

Concern Over Transfer of Discover Student Loans to XXXX XXXX Dear CFPB Team, I am reaching out to express my concern regarding the recent transfer of my student loans from Discover to XXXX XXXX. Given the ongoing legal issues involving both companies, I am seeking guidance on whether this transfer violates consumer protection laws, and if so, whether I may qualify for relief, including potential loan cancellation. 

Discover has been involved in a class-action lawsuit ( XXXX XXXX Discover Bank ) that settled earlier this year for violations of the Civil Rights Act and Californias Unruh Civil Rights Act, specifically discriminating against Deferred Action for Childhood Arrivals ( DACA ) recipients in their lending practices. While my situation does not pertain to DACA status, the negligent management of their lending practices is evident. 

I am particularly concerned about the subsequent transfer to XXXX XXXX, a company that is currently facing a class-action lawsuit for alleged violations of the Rosenthal Fair Debt Collection Practices Act and other federal consumer protection regulations. The fact that my personal and financial information has been transferred to a company with a questionable track record of fair debt collection practices raises serious concerns about data security and compliance. 

I am inquiring if the transfer of my loan under these circumstances can be deemed unlawful or unethical under federal consumer protection laws. Specifically, I would like to know : 1. Can I request the cancellation of my loans on the grounds that the transfer to XXXX, a company involved in ongoing legal proceedings for unfair debt collection practices, constitutes negligent management and mishandling by Discover? 

2. Does the CFPB have the authority to intervene in cases where loans have been transferred to a servicer currently under legal scrutiny?

3. What are my rights regarding this transfer, and what recourse do I have if I believe my loans are being managed by a servicer not in compliance with federal and state regulations?

I am looking for assistance in understanding my rights and determining whether I have a valid case for relief. Given the seriousness of these allegations and the potential impact on my financial stability, I would appreciate a thorough review of my situation and guidance on the next steps. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX -- - If you'd like to adjust the details or tone, feel free to let me know!
Consumer complaint received 2023-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the fair credit reporting act this creditor, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (FL)

On XX/XX/XXXX my entire purse was stolen, inside included my wallet with 7 credit cards, my phone and my XXXX XXXX XXXX 

I reached out to FNBO ( formally and who I signed up to have a credit card account with was XXXX XXXX XXXX. This card is now being ran by 'First National Bank of Omaha '. 
Had I KNOWN this bank would be implementing these policies, I would have gotten rid of the card when they changed over in XXXX. I never initially entered into any agreement with this Bank, XXXX got sold to this bank and they took over. I had my account for 3 year previous to this change WITHOUT ISSUE. Even when I had fraud activity previously, they immediately gave me credit until they completed their investigation. NOT THIS FNBO bank! on XXXX my info was stolen and attempted to be used for XXXX payment. I advised this bank of my card being stolen on the same date, XX/XX/XXXX. It was at this point that the rep advised I had activity on my card from that day, XXXX. I did not use my card and advised her that was not an authorized purchase. 

She completed her intake info and I was provided a 'credit '. I then reviewed my online credit info by logging into FNBO site. I saw on XXXX XXXX XXXX charge and on XX/XX/XXXX I seen the SAME XXXXXXXX XXXX On XX/XX/XXXX I attempted to call in but was told the fraud dept was closed. Albeit, he did tell me that XXXX DID NOT HAVE TO PAY ON THE XXXXXXXX XXXX  and it was a credit for me. I didnt have to pay it. '' I told him I needed that statement in WRITIING. He said he's not authorized to give that I needed to call back the next day since fraud dept was closed. I called today on XX/XX/XXXX and was told by a 'fraud analyst ' named XXXX that there was a credit and I would not have to worry about making that payment. She stated in her NOTES, it stated there was a credit given. O On my FNBO account, I did NOT see a credit. In fact, I seen TWO CHARGES of the fraudulent XXXX! I asked about this and she said I did not have to pay for this but I DO! I HAVE A BALANCE ALREADY ON THE ACCOUNT OF XXXXXXXX So I HAVE to make a payment and they're INCLUDING the FRAUD CHARGE OF XXXXXXXX 
I was then transferred to XXXX XXXX XXXX XXXX 
He advised FNBO DOES NOT GIVE OUT CREDITS!!!!! I was told by 3 different agents I would get a credit and after 2 billing cycles my investigation would be completed. 
XXXX advised they don't give out credits. I asked him, 'so what if the fraud charge was XXXX XXXX XXXX XXXX XXXX XXXX? I would have TO MAKE PAYMENTS ON THIS FOR 60 DAYS!? 

This is highly implausible to REQUIRE consumers to pay for FRAUD CHARGES until THEIR investigations are completed! I'm STILL PAYING ON THE FRAUD CHARGE THAT I DID NOT MAKE!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: First Bancorp North Carolina (NC)

I am writing to formally file a complaint regarding the discriminatory and unfair treatment I received during my recent loan application process with First Bank. I first reached out to XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX to discuss my plans for applying for a business loan. XXXX XXXX directed me to an online application, but I encountered difficulties completing it. On XX/XX/XXXX, I visited the main branch in downtown XXXXXXXX XXXX where I was referred to XXXX XXXX XXXX. Despite explicitly mentioning numerous times that I was seeking a business loan to grow my business, XXXX XXXX insisted that I apply for a personal loan instead. I was also told to remove my vehicle as collateral, as this would classify it as a title loan, and to exclude my part-time income because it wasnt related to my business, despite that income being part of my financial support. After following XXXX XXXX instructions, my loan application was denied. I was told by XXXX XXXX that she didnt know I couldnt apply for a personal loan for business purposes. Furthermore, XXXX XXXX stated that I was technically eligible for the loan, but the bank was too conservative to approve it. This comment, along with the guidance to apply for a personal loan despite my clear need for a business loan, suggests I was not given proper consideration or respect during the process. After my denial, I spoke again with XXXX XXXX, who reaffirmed XXXX XXXX remarks, stating that I was eligible, but that First Bank was too conservative to release the funds. XXXX XXXX also recommended that I pursue a title loan or another form of loan elsewhere instead of continuing with First Bank. What is particularly concerning is that First Bank has a XXXX XXXX XXXX ( XXXX ) chapter, yet I was not directed to anyone specializing in small business loans. This, along with the evasive guidance and insistence on pursuing a personal loan, strongly suggests I was not given a fair opportunity. I firmly believe that my race played a role in the treatment I received during this application process. I felt as though I was judged based on stereotypes, and my business was not afforded the same consideration as others. I was not only treated unfairly but discriminated against based on the color of my skin. The lack of respect, misleading advice, and discriminatory undertones throughout this process have been unacceptable. This type of behavior is both unethical and unlawful, and I expect appropriate action to be taken. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-09-20
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-21
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. (GA)

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 XXXXXXXX Balance : {$67.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$73000.00} XXXX XXXX XXXX Balance : {$59000.00}
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, I was the victim of a gift card scam. The scammer posed as my boss and made me purchase various XXXX Gift Cards. I unfortunately did so through my Wells Fargo account. As soon as I realized my mistake on the same day, I blocked all my cards and tried to get a refund from XXXX. XXXX XXXX was able to refund {$1000.00}, however gift cards worth {$1400.00} were already used. 

I filed a police complaint at the XXXX XXXX, NJ Police Station with Detective XXXX - my case number is XXXX. I also filed a report with the FTC- the number is XXXX. I submitted a claim to Wells Fargo which was originally denied on XX/XX/XXXX. I recently followed up on XX/XX/XXXX and received another denial on XX/XX/XXXX. 

This was a gift card scam, and I would expect Wells Fargo to return my money as the other banks through which I withdrew money for the scam gave me my money back within a week.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (RI)

Equifax refused to help with security issues regarding their login system which is hackable through password resetting leaving everyone vulnerable. 

The password resetting, Gives hackers all your login information and sends password reset links to Emails they specify without any security
Consumer complaint received 2024-09-30
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: SUNRISE CREDIT SERVICES, INC (CA)

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Dispute of Debt Reporting by Sunrise Credit Service Account Number : XXXX Amount : {$7000.00} To Whom It May Concern : I am filing this complaint to dispute the debt being reported by Sunrise Credit Service, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. The account number in question is XXXX, with a reported balance of {$7000.00}. 

I have made multiple attempts to resolve this matter by requesting debt validation from Sunrise Credit Service on the following dates : - XX/XX/year> - XX/XX/year> - XX/XX/year> Despite my requests, Sunrise Credit Service has failed to respond or provide any validation for the alleged debt, as required by law. I dispute the validity of this debt and claim that I am not liable for the amount of {$7000.00} being reported. 

Furthermore, I do not have a contract with Sunrise Credit Service. They have failed to provide me with an original signed contract or purchase agreement bearing my original wet ink signature to substantiate the claim. In the absence of this documentation, the reporting of this debt is inaccurate, and I respectfully request that it be removed from my credit report. 

I trust that the CFPB will assist in addressing this issue and ensuring that the credit reporting by Sunrise Credit Service is in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-09-30
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: Larry H. Miller Group of Companies (PA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent. I have a charged off account from Prestige Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, such as a valid application or an account review. I assert that there is no permissible purpose for the reporting of this charged-off account under my credit profile. Therefore, I demand that this account be deleted from my credit file immediately. Additionally, I request that you provide me with the following documentation to substantiate any claim of permissible purpose : XXXX. Evidence showing that I consented to or authorized this reporting under the FCRA. XXXX. Any agreements or contracts that prove a legal basis for the continued reporting of this charged-off account. If you can not provide adequate documentation, this account must be removed from my credit report without delay. Please consider this as a direct dispute and take action to correct this inaccurate reporting within the timeframe stipulated by federal law.