davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation (OK)

Subject : Fraudulent application submitted on XX/XX/XXXX for the amount of {$1200.00}. 
Today XX/XX/XXXX, I received an email that I have a payment due. This alarmed me, I contacted Three Sticks Lending on XX/XX/XXXX and spoke with the Fraud Department Representative XXXX. XXXX called XXXX XXXX the bank where the money was deposited and we spoke to XXXX that verified the deposit. I verified that that is not my account. The Three Sticks Lending Company sent me via email a fraud form to fill out which I did on XX/XX/XXXX. They suggested that I could report this to the police and the FTC. I think XXXX XXXX should have known that my name was not on the account. 
After today 's email, thinking all the previous emails were junk and not to open the emails, I put them in my trash file. I read the email on XX/XX/XXXX that a loan was actually processed in my name, I looked back at all the emails from Three Sticks Lending and found the following : XX/XX/XXXX that a loan was approved and the funds were available. On XX/XX/XXXX an email was reminding me of an upcoming payment due. On XX/XX/XXXX an email came that I had insufficient funds for a payment. I did not make this loan application nor did I receive the funds. Now, I'm concerned about my credit. This past year I have been trying to improve my credit because I plan on retiring in XXXX. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NV)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVIENT XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

I purchased a water softener to be installed. When they installed the water softener they cut into the main entry water line of my home creating water damage and water pressure issues in the home.

I had to spend 3X the amount of the water softener to correct these issues with a third party company and repair the damage to my home.

The company who sold me the water softener refuses to reimburse me for the expenses and sent the erroneous debt to collections.

I have also notified the collection company with photos, documentation, and invoices via certified mail over five months ago and they claim they have not received anything despite it showing as delivered. 

I want the debt removed immediately or reimbursed for the damage.
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC. (FL)

THE CAR HAD AN ASSIDENT AND TRHE INSURANCE SAID THEY PAID IT WITH GAP INSURANCE .WHY DOES STILL SAY REPOSSESION SANTANDER CONSUMER USA Do you see information you believe to be inaccurate? 
Account info Account name SANTANDER CONSUMER USA Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$27.00}, XXXX written off. {$16.00}, 366 past due as of XX/XX/XXXX. 
Status updated XXXX XXXX  Balance {$16000.00} Balance updated XX/XX/XXXXXXXX  Recent payment - Monthly payment - Original balance {$24000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX Payment history XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current / Terms met XXXX Past due 30 days XXXX Past due 90 days CO Charge off ND No data for this period Payment history guide Charge Off as of XXXX XXXX  to XXXX XXXX  90 days past due as of XXXX XXXX  30 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

I was never contacted by this debt collection company ( Transworld Systems ). I was only made aware of the debt because I saw it on my credit report. I have since called Transworld Systems on 4 separate occasions requesting a debt validation letter and have received nothing. According to every representative I have spoken with on all 4 occasions, no letter has been sent. I have never been given any information validating the alleged debt I owe not have I been given notice that I could dispute said debt.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (GA)

SANTANDER/XXXX XXXX XXXX me an extension of credit after accessing my credit. According to 15 USC 1681a ( k ) ( 1 ) which defines adverse action, one can be denied insurance and one can be denial employment. No where within 15 U.S. Code 1601- Congressional findings and declaration of purpose, does it say one can be denied an extension of the own credit. Furthermore, 15 U.S. Code 1691 - Scope of prohibition states within ( a ) Activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. Applying for credit extension using my open ended credit plan ( social security number ) through, SANTANDERXXXX XXXX XXXX entered Consumer and Lender into a consumer credit transaction therefore a finance charge arose. Dealership states this bank is requiring a down payment for the financed purchase of vehicle, which is not in accordance with 12 CFR 1026.4 - Finance charge. I received no disclosures regarding any adverse action, the finance charge and its cost and terms, a requirement of a down payment nor the statement of reasons as to why I've been denied.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (AL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NJ)

Debt collector CAVALRY SVP I, LLC Is contacting me regarding a debt that I have no knowledge of it and never signed a contract. I have submitted Debt validation letter and the company failed to provide any information. They stated to have my ID and social security number.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Im really frustrated with how my credit scores are turning out because of mistakes in my credit report. These errors are dragging my scores down and making it super hard for me to get the credit I need. Its been a constant source of stress and is seriously messing with my finances. Ive tried to get this sorted out before, but nothings changed.
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

I started a transfer from XX/XX/year> USD - XXXX USD PAYPAL FEE TOTAL XXXX USD from paypal now 12 days later still dont receive any of this money in my bank which last XXXX digit XXXX. They gave me an ARN XXXX number last XXXX  But as they told me its a ACH auto cleaning house transfer that ARN number can not trace my money. They didnt give me any ACH trace ID my bank need. Really confused as they promised they can transfer it maxium not over 7 days. Now 12 days. NEED ach trace id.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

I did a loan consolidation in which I paid my loans off for Navient I asked XXXX if they would please update my loan balance on my credit report and they refused please see the statements attached can you please require them to update my credit report with the right balances asap since they refused.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diaz & Associates, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX DIAZ & ASSOCIATES , INC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX XX/XX/2024 Re : XXXX XXXX XXXX XXXX To Whom It May Concern, I want to inform you that you have violated the Fair Debt Collections Practices Act. In my view, you have violated at least three sections of this act by : Not verifying a debt as required by the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Contacting a debtor after receiving a cease and desist notice sent via certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Engaging in harassment of the alleged debtor, which is prohibited under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have detailed records of your violations, and I am ready to protect myself and my rights from dishonest collection agencies. 

On XX/XX/2024, I sent a request to your office via certified mail asking you to provide me with evidence and proof of the debt you claimed I owed. I sent this request within 30 days of receiving your initial notice. In the same letter, I also included instructions to cease and desist. 

After confirming the delivery of my letter you proceeded to send a simple bill, which does not qualify as a " validation of debt '' by any means. It would be beneficial for you to familiarize yourself with the requirements for validating a debt. 

Your office also contacted me by phone after receiving and accepting my certified letter. Contacting a person after they have issued a cease and desist notice can result in significant consequences for your agency, including damages of up to {$1000.00} per incident. 

I highly doubt that this {$6000.00} debt is worth risking your agency 's license and incurring fees and penalties for violating the FDCPA. 

There is no doubt that you deliberately violated my rights, and I could take legal action against you immediately. However, I am assuming that this was a serious mistake on your part, and I anticipate that you will take appropriate measures to educate yourself and your staff regarding such unlawful actions. 

I will also be monitoring my credit report to check if you have willfully reported an unverified and disputable debt to the credit bureaus. If you have, it would be a violation of the Fair Credit Reporting Act. I want to reiterate in this certified mail that you have failed to verify the accuracy of the debt, provided no evidence of this alleged debt, and I must once again request that you refrain from contacting me through any means regarding the collection of this debt. 

If I receive anything other than conclusive evidence from you, I will assume that you are harassing me and disregarding my cease and desist notice. In that case, I will take legal action against you for these ongoing violations and abusive behavior. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Lendmark Financial Services (CA)

I HAD A VEHICLE FINANCED IN XXXXXXXX XXXX XXXX I PUT DOWN XXXX AND BORROWED XXXX NOT XXXX THE XXXX IS GAP INSR AND LIFE INSURANCE THAT I DID NOT CONSENT TO AND I NEVER SAW A CREDIT REPORT AND MY APR WAS XXXX  A MONTH SO IN XX/XX/XXXX I RECIEVED A LOAN OF XXXX AND THEN THEY AT LENDMARK SWITCHED TO A XXXX A MONTH FOR 47 MOS WITH A APR OF XXXX THERE IS NOT NO CREDIT REPORTS FOR NEITHIER LOANS AND A REFINANCE WOULD HAVE MADE MY PAYMENTS LESS AND INTEREST RATE LOWER IT MADE IT HIGHER I FEEL THAT THEY APPLIED DECEPEPTIVE TATICS AND VIOLATED REGULATION Z AND THE CALIFORNIA LAW ON GAP INSURANCE ALSO THE I FEEL THAT ON THE CONTRACT IT IS OVER CHARGING ME XXXXXXXX XXXX SO THE LOAN AMT SAYS XXXX WHICH SHOULD BE XXXX AND THE APR IS COMPLETELY OUT OF THE ORDINARY SO I AM REQUESTING ASISTANCE IN THIS COMPLAINT PLEASE. I HAVE CONTACTED LEGAL AID BUT ITS TAKING LONGER THAN USUAL SO I DECIDED TO REACH OUT TO THIS AGENCY THANK YOU.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (TX)

I refinanced my car loan with Santander in early XX/XX/XXXX. The new loan with XXXX was established on XX/XX/XXXX, so I called Santander that day to ensure that my auto-pay was cancelled and that they would no longer withdraw from my checking account, and they ensured me it was. On my payment date of XX/XX/XXXX, they still withdrew {$510.00} despite telling me that wouldnt happen. When I called requesting a refund, they are incorrectly telling me it wasnt paid off until XX/XX/XXXX and that payment was still owed, despite cancelling auto-pay. They took the same amount for XXXX, and the check they sent me as a refund for XXXX, was not accepted by my bank when I tried to cash it. XXXX said they cant verify that it is coming from a legitimate source. Conveniently, my Santander information seems to have been cleared in their system as soon as I requested more details about my refund, so now I cant get past their automated system when I call. I have been completely bankrupt and had to pay most of my other bills late for these past XXXX months because of this.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. $ 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. $ 1681c ( a ) ( 4 ) ), Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history that shows monthly and late payment as well. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you kindly.
Consumer complaint received 2024-08-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (AZ)

On morning of XX/XX/year> my XXXX  checking account was withdrawn at exactly {$1000.00} by " XXXX XXXX XXXX  '' for " XXXX XXXX '' by Nelnet. 

There was no prior notification, nor an account created for this loan service provider. I emailed immediately after checking their contact information and called their customer service line. There was no contact available by phone but am waiting on email response. 

My bank account is overdrawn and I have to make mortgage payments, pay my utilities and medical bills. XXXX .... I am currently looking for a better paying position in this horrible market and I have an XXXX XXXX Why am I having to deal with NelNet right now? It is a bit scummy for an entity like NelNet to dip their hands into my bank without prior knowledge or consent from me to make such payments.
Consumer complaint received 2024-08-17
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: Experian Information Solutions Inc. (NY)

Re : Dispute of Inaccurate Information - Unauthorized Hard Inquiries To Whom It May Concern : I am writing to dispute the following hard inquiries that are appearing on my Experian credit report. I believe these inquiries are inaccurate because I did not authorize them. 

XXXX XXXX XXXX ( inquired on XX/XX/XXXX ) XXXX ( inquired on XX/XX/XXXX ) XXXX XXXX XXXX ( inquired on XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( inquired on XX/XX/XXXX ) XXXX XXXX ( inquired on XX/XX/XXXX ) XXXX ( inquired on XX/XX/XXXX ) I have no knowledge of these inquiries and did not apply for credit or any other services from these companies on the dates listed.
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : PAID OFF I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC (TN)

I paid XXXX XXXX {$1700.00} to settle the debt collection of {$2900.00} on the date of XX/XX/year>. XXXX XXXX XXXX is the parterning company listed in my credit reports for this SpeedyCash debt.
Consumer complaint received 2024-09-11
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. (TX)

XXXX, Experian, and XXXX have continued to report inaccurate information on my credit report, despite my previous disputes and efforts to correct these errors. I have attached a letter that provides proof supporting my claim and demonstrating the inaccuracies being reported. The failure to update this information in a timely manner, despite clear evidence, has caused ongoing negative effects on my credit score. I am requesting an immediate investigation and correction of these inaccuracies, with all erroneous information being removed from my credit report.