davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (OR)

On XX/XX/year>, Ive received an email from XXXX. of XXXX stating that The XXXX XXXX XXXX has determined that the loan ( XXXX ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( XXXX ) will be forgiven. You do not have to make any more payments on the loan ( XXXX ). 
Your loan ( XXXX ) will be XXXX as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs XXXX  years later, these loans are still reported by Nelnet, XXXX interest.
Consumer complaint received 2024-07-28
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 (IN)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under USC 1681. I have the right to privacy according to 15 USC 1681 section 604 ( a ) ( 2. ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. If not removed, I plan on seeking legal action against your company.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am frustrated and disappointed, my requests to correct inaccuracies on my credit report are consistently ignored, this is an insult to me as a law-abiding citizen and a blatant violation of my rights as a consumer.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I never lived at this address. Never signed a lease agreement. My dad lived here years ago. His name is XXXX XXXX. Same birthday. I would like this information removed. It's not my debt. I lived with my mom at that time.
Consumer complaint received 2024-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (NY)

On or around XX/XX/year> I noticed a letter in the mail from XXXX XXXX XXXX, XXXX claiming that I the consumer was being sued. I am unsure as to why I am being sued by this debt collector and why I was never previously notified about this alleged debt as required by law under the Fair Debt Collection Practices Act 15 U.S.C. 1692. This debt collector is alleging that I the consumer owe a debt of {$3600.00} from a charged off account. I have no knowledge of this account or ever entering an agreement with XXXX XXXX, furthermore this is the first initial communication I have ever received from this debt collector and it is in the form of a civil lawsuit being filed against me. This is abusive, deceptive and unfair, I the consumer am being taken advantage of and this misconduct has caused me severe stress, anxiety, and mental anguish. My privacy has been invaded and I have been injured. 

On XX/XX/year> I mailed a correspondence to this debt collector informing them that I was invoking my right to verify the validity of the alleged debt. The debt collector has not responded. Please see attachments as evidence.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TX)

In 2017, a credit account was opened with SYNCB/CARE CREDIT using my credit profile without my knowledge or authorization. I never provided my information or consent for anyone to open this account on my behalf. Despite contacting the company, they have been unable to locate the account in their database. I would like this unauthorized account removed from my profile.
Consumer complaint received 2024-08-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NH)

Sunrise saying I owe {$550.00} not showing first payment infact sunrise collection saying cable or phone no date started just XXXX? I requested original contract with my signature I don't have cable I have wifi n Hotspot with my XXXX phone contract for over 5 years. After I presented that knowledge to XXXX sunrise just ran with cable XXXX
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Complaint regarding Delivery of funds using domestic wire transfer by Merrill XXXX. 

I am writing to express my deep concern and frustration regarding the wire transfer of {$320000.00}, which was processed on XX/XX/2023. Regrettably, despite the transaction being initiated, the funds have yet to arrive at my designated receiving bank. Despite providing the Fed wire number, Merrill XXXX representatives have been unable to offer any helpful information or assistance in this matter. 

I have diligently reached out to multiple representatives at Merrill XXXX XXXX, but unfortunately, none of them have been able to provide a satisfactory resolution or offer any meaningful assistance. At this point, I have no choice but to request an immediate recall of the {$320000.00}. After I submitted a recall, the bank can not provide any evidence or result of the recall besides asking me to wait for days. Since XX/XX/XXXX my fund has left the Merrill XXXX account, and I have not seen the fund show up anywhere. It is just disappear in the Merrill XXXX  system. 

I can not help but suspect that there may have been some mishandling or misappropriation of my funds by Merrill Lynch bank. Please investigate and contact Merrill XXXX to return my fund of total {$320000.00}.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Hardship Began in XX/XX/XXXX when i was laid off. applied for work but no employment. started a business and asked Pennymac for loan modification and was denied. The home was flooded. The home has flooded several time and in a flood zone. Applied for deed in lieu for mortgage company to take property back since im not being approved for a modification and they keep denying. Stay unemployed through XXXX due to XXXX.
Consumer complaint received 2024-07-29
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. (TX)

The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.
Consumer complaint received 2024-07-29
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. (NC)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Equifax, XXXX, and XXXX for their failure to remove old and outdated information from my credit reports. Despite multiple attempts to rectify the situation by providing accurate and up-to-date personal information, the credit reporting agencies have not taken the necessary steps to correct the errors. 

The inaccurate reporting of various addresses, employers, and phone numbers on my credit reports is not only misleading but also damaging to my creditworthiness. This misinformation could have serious consequences when dealing with potential lenders or employers who review my credit history. The presence of multiple incorrect addresses and employers creates a false impression of instability and unreliable financial behavior, which does not accurately reflect my true financial situation. 

I have enclosed supporting documents such as my Driver 's License, XXXX XXXX XXXX and a recent Utility Bill to verify my identity and provide evidence of the inaccuracies in my credit reports. Despite my repeated attempts to address these issues directly with the credit reporting agencies, the outdated information remains on my reports, affecting my financial standing. 

I kindly request the CFPB to investigate this matter and ensure that Equifax, XXXX, and XXXX comply with the Fair Credit Reporting Act by promptly removing the incorrect and outdated information from my credit reports. Your intervention is crucial to safeguarding my rights as a consumer and ensuring the accuracy of the information used by creditors and employers to make important financial decisions
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (TN)

Received Deferment repayment Agreement from my mortgage servicer, My mortgage servicer .They refuse to provide mortgage assistance to me. Our interest rate is still 13 percent, I elderly and in my seventies ' I have filed bankruptcy several times to keep my home out of foreclosure. My servicer has been unwilling to assist me and I'm now on a fixed income. I have been sent this agreement that is not affordable and I feel that I have not been offered the mortgage assistance that is available though the current mortgage mortgage assistance programs that have been set up for individuals that have been affected by covid-19 and other financial hardships
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (TX)

XX/XX/year> I have been trying to dispute this account with ACIMA DIGITAL FKA SIMPLE since I do not recall applying for credit with their company. I have not received anything from them. 

Their contact information is down below Phone number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX
Consumer complaint received 2024-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I havent gave XXXX, XXXX or XXXX the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX XXXX and XXXX are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.
Consumer complaint received 2024-07-23
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. (FL)

XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
XXXX 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 + Miscellaneous ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX PREMIUM CREDIT BUREAU Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX PREMIUM CREDIT BUREAU Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX PREMIUM CREDIT BUREAU Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX BANK DELAWARE Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX FCU Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( 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 XXXX XXXX XXXX  Miscellaneous ( XXXX ) XXXX PREMIUM CREDIT BUREAU Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX PREMIUM CREDIT BUREAU Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX PREMIUM CREDIT BUREAU Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-07-24
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. (VA)

Hi, so this is what happened - upon checking my report, there are credit inquiries on it that I am unfamiliar with. I don't remember about any of these and I did not authorized/consented to these companies in pulling up my report. This is absurd it's making me anxious.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A credit card was opened fraudulently in my name with the credit union Capital One for a total of {$1000.00} I opened a dispute with XXXX on the XXXX XXXX on XX/XX/year>. 

I also contacted Capital One and informed them about the fraud with their bank. Where they started their investigation. 

On XX/XX/XXXX, I received a letter stating that Capital One finished the investigation and deemed me responsible for the accounts. I then made a second call to Capital One on XX/XX/XXXX, to open up another investigation for the fraud claim.
Consumer complaint received 2021-08-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

This complaont is about loancare, a servicer for XXXX XXXX. I have been on a forbearance with covid and loss of income over the last year. I finally was ready to modify my loan, which was the only option because I didn't have all past due available from forbearance. I was mailed a packet. My wife and I filled it out promptly and mailed and XXXX and faxed it back. They claim to have been missing information. But the time we sent said information that we were never told about, they closed our application. We started a new application. We did the same with updated bank statements, paystubs and everything required. They claimed to not have gotten out information when I called several weeks later. We have a copy of the signed certified mail saying they received the complete packet. We also faxed these documents to the number they provided. A month later they claim our information is outdated and missing documents when we know for a fact that we sent all of what they are asking for. They are rude and fighting me every step of the way and all I want tondo is get back on track. We are in constant fear of foreclosure and fees they are charging. I've taken tome off of work to deal with this company, I've lost time at work because of XXXX from dealing with this company I am at a loss on what to do with them. I even have another company that will refinance once the mortgage is current but I can't get it current until the loan modification is completed. I need help dealing with this company and they are not providing any useful contacts.
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (FL)

Ive agreed to pay the alleged debt so as a consumer should, I requested Carmax to fill out the paperwork I sent requesting the name, address, contact & signature of the creditor 3 times. Yet they refused to give me that information. Instead theyve decided to no longer protect my private personal information by selling it to third party venders influencing them to steal my vehicle, causing me to lose my job and my financial stability in the process which is a violation according to 15 USC 6802 ( b ). Theyve also made derogatory statements on my credit file which have denied me access to credit cards & employment to several different jobs all within the span of 3 months which is a violation under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. 15 USC 1662 states I wasnt supposed to put down any amount unless that amount was usually & customarily arranged so being swindled by the words how much are you willing to put down was not fair by any means. Aware of the fact that no form of cash what so ever should be put towards the finance charge I was totally unaware of the fact that my {$3000.00} wouldnt show up as a payment towards my vehicle if all other charges, fees & taxes are to be paid in the finance charge. As a Consumer I made sure my request where not inconspicuous or shady by any means while Carmax has violated my consumer rights by using tactics and information that I werent told or disclosed to me.
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I lost my employment and income in XX/XX/2020 and as a result I havent been able to make my mortgage payment. I have tried to get a modification done with Shellpoint now that I am self employed and they havent responded to my requests or have a relationship manager return my call. I have sent in the Request for assistance package or form XXXX and send in the needed documents. No response. Please help
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-07-28
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: SYNCHRONY FINANCIAL (CA)

There was an inquiry into my credit from Synchrony Bank on XX/XX/year> which I do not consent to or recognize. I asked Synchrony Bank to please remove it and they didn't do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.