davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (LA)

On XX/XX/year> my Realtors began the Short Sale process by submitting the XXXX XXXX XXXX XXXX. They submitted the forms and application for the account to get reviewed for loss mitigation options. We had to wait a couple of days before the bank acknowledged that they received the XXXX party form. We also requested a payoff which had to be mailed to me. This took XXXX weeks before I received the payoff by mail. The property could not be listed until negotiating was started with XXXX XXXX. The property was listed on the market for sale XX/XX/XXXX and we received a great offer from a conventional loan buyer XX/XX/XXXX. My Realtors submitted the buyer 's offer, pre approval letter, and all listing paperwork. They did tell us that we have time to submit all paperwork for a short sale to be reviewed. My Realtors submitted the documents on time, by XX/XX/XXXX, along with the offer and preapproval. At this point, they are telling my Realtors that we do not have time for the account to be reviewed for the short sale or any loss mitigation options. We would like for the auction date, XX/XX/year> to be suspended, and the account to be reviewed for a short sale.
Consumer complaint received 2024-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital One does not share interest of the protection of their customers. I have been fighting an unwarranted charge from XXXX XXXX XXXX. They have attempted and succeeded to charge {$250.00} several times. The {$250.00} was never supposed to be charged. On or around XX/XX/XXXX, I logged onto the Capital One app to close my card out and ask for a new one to be issued. I waited nearly two weeks just to be told they never received that request. In the early morning hours of XX/XX/XXXX, I received an email about a red flag of a charge trying to go through on my account from XXXX of the amount of {$250.00}. It was denied on my end. I called them a few hours later and the rep told me no worries and they had decline that transaction and issued me a new card. They claimed my other request two weeks prior was not received. A few days later they send me a statement showing this charge!!! The one that I declined and they promised to have declined. Capital One lied to me and offered me no protection in this manner. I have yet to receive my new card.
Consumer complaint received 2024-07-01
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. (MD)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (IL)

Got a call from SoFi Fraud Dept claiming someone I. Texas was using my card at XXXX and a gas station. I verified it was not me. He did a hard reset on my card and gave me a temp password to get into my account. As we were speaking he said someone was currently in my account. He then asked if I changed my phone number. I replied no. He said he took care of it and card is good, express mailed a new card and reset the phone number back to mine. No additional charges were made. Got off phone went to log in and the authentication code was being sent to a phone number that was not mine- yet again. I called them back again. Someone else changed the phone number and again said it was fixed. I tried to log in and get again it was the other number. I got multiple emails showing it was changed to mine and within a minute another email saying it was changed back. I asked if my card was active that I was just going to withdrawal all the money. He said yes go take the money then call them back and they will shut down the account. Within 10 minutes I went to cash station and entered my PIN number 3 different times and it said that was not the PIN number. How could that be? Its my PIN number I have used for a long time. I get home and call them back again. Again the day oh thats not the phone number on file- of course not because it keeps getting changed back. Not this has gone on for three hours and during this time more money is being taken out. 3 charges I. Georgia at XXXX and a gas station totally over XXXX. Then a random deposit form XXXX XXXX  for XXXX. They claimed everything had been fixed. I log back in and the same issue linked to the other phone number. Call back again now going on 4 hours. The guy said he changed it again- shut down and restricted the account so now I cant get the money at all nothing coming in or out. He said I will order you a new card. I said the fraud dept earlier ordered me one to be expressed. He said there is no card order here. I said what? Thats cant be. He said no. I said well this is the number that called me and filed this originally. I read him the phone number and he stated it was not SoFi. I said that isnt possible as I recieved text messages from him while on the phone for the authentication code and temp password. He said well that wasnt us. I am afraid this is possibly an inside job as I was talking with them over 4 hours more purchase, phone number continued to change as they claimed to have change it. Couldnt access my money as my PIN was not recognized and then the original caller was not SoFi they claim. I am very upset. I leave for vacation tomorrow with no money and now need to wait for an investigation to get my money back.
Consumer complaint received 2023-12-24
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Absolute Resolutions Corp. (PA)

Plaintiff : XXXX XXXX XXXX Defendants : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Agency Nature of Suit : XXXX XXXX XXXX XXXX XXXX and XXXX COMPLAINT COMES NOW, XXXX XXXX, Plaintiff herein, and for his Complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Defendants herein, alleges as follows : Plaintiff, XXXX XXXX, is an individual residing at [ Address ], [ City ], [ State ], [ Zip Code ]. Defendant XXXX XXXX XXXX is a debt purchasing entity, and XXXX XXXX XXXX XXXX XXXX XXXX is a collection agency, both of which are engaged in debt collection activities in [ State ]. Plaintiff avers that Defendants XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX engaged in unlawful, deceptive, and harassing debt collection practices in violation of [ Relevant Code or Statute ], causing undue stress, mental anguish, and financial harm to the Plaintiff. Plaintiff further asserts that despite numerous attempts to resolve the matter and provide evidence refuting the debt or improper collection practices, Defendants persistently pursued unwarranted and illegal collection efforts, exacerbating Plaintiff 's XXXX distress and emotional suffering. As a direct consequence of Defendants ' wrongful conduct, Plaintiff seeks recovery of maximum XXXX penalties allowable under the law and holds Defendants liable for the damages suffered during the improper debt collection process. Additionally, Plaintiff contends that the actions of Defendants have not only violated legal provisions but have also led to significant harm and hindered Plaintiff 's ability to rectify the situation, impacting Plaintiff 's rights and causing undue hardship. WHEREFORE, Plaintiff, XXXX XXXX, respectfully requests that this XXXX XXXX : a ) Awards maximum XXXX penalties and damages permissible under the law against Defendants, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ; b ) Holds Defendants liable for their improper debt collection practices and the resultant damages inflicted upon Plaintiff ; c ) Grants any other relief deemed just and proper by this XXXX ; d ) Any other relief the XXXX deems just and proper. Respectfully submitted,
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ( account name : XXXX XXXX XXXX ; Account Number XXXX ) or ( account name : XXXX XXXX XXXX ; Account Number : XXXX ). 

Please investigate and provide proof with statements showing that these payments were late and were not on time. If proof can't be provided I demand these payments be updated to on time as they should be as is Never late. 

Thank you.
Consumer complaint received 2024-08-05
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)

On XX/XX/XXXX, I mailed certified copies of disputes to XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via USPS. They were delivered and processed, however, they did not comply with what I asked them to do. I asked them to properly investigate these inaccurate accounts that were reporting on my credit report. They failed to properly investigate these accounts AND send me proof of their investigations. 

On XX/XX/XXXX, I mailed a 2nd round of disputes. They still came back with the same results but not telling me HOW they are coming up with these results. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX  The results came back VERIFIED and UNCHANGED but still no explanation on their findings. According to 15 USC 1681 ( i ) 7, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. 

As of XX/XX/XXXX, I have mailed a 3rd round of disputes to these agencies hoping they will comply and DELETE these inaccuracies since they are failing to properly investigate and follow federal law. XXXX ( # XXXX ), Equifax ( # XXXX ), XXXX ( # XXXX ). 

These accounts listed below are in questioning and should be properly investigated and REMOVED IMMEDIATELY! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> WESTERN FUNDNG XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Formal Dispute - Unauthorized Furnishing and Access to My Credit Information Dear Sir/Madam , I am writing to formally dispute the reporting and/or obtaining of my personal credit information by your agency without my written consent, as outlined under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). 

I have identified the following account on my credit report, which I have not authorized : Creditor Name : WESTERN FUNDNG Account Number : XXXX According to the FCRA, credit reporting agencies are required to have explicit written authorization to furnish or obtain an individual 's credit information. I have never provided such authorization, and I believe that your agency has either furnished my credit report to third parties or accessed it in violation of these requirements. 

Please investigate this matter and provide me with documentation showing the written authorization that you claim allows you to furnish or obtain my credit information. If no such authorization exists, I respectfully demand that you : Immediately cease any unauthorized furnishing or access to my credit information. 
Delete any entries or information that were furnished or obtained without my consent. 
Send me a confirmation of your actions regarding the deletion or correction of my credit report. 
Additionally, I request that you send a copy of the updated credit report reflecting these changes. 
Under 15 U.S.C. 1681, you are required to investigate and resolve this matter within 30 days. If this matter is not corrected, I will consider pursuing legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-05
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: EQUIFAX, INC. (GA)

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 1681 ( b ) of this title. Equifax and XXXX are not maintaining reasonable procedures. 

Equifax is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reporting was fraud.

But yet, after getting my consumer report today I have notice 23 inquires when just in XXXX, XXXX I only had 1. 

see attachment! 

If Equifax does not have documentation to show these were in fact authorized it must be removed asap. 

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2024-08-05
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. (AL)

XXXX XXXX and equifax have failed to remove fraudulent obtained account and is reporting inaccurate info incorrect addresses names and phone numbers see below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX And inquiry from XXXX XXXX on XXXX and 4 inquiry on other reporting agencies
Consumer complaint received 2024-08-01
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-05
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: EQUIFAX, INC. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been disputing Kohls for years ; this account was used in fraud! There is a balance of {$2300.00} that is not mine. Furthermore, they sold my account to a collection agency who removed the account from my credit report due to fraud however, Kohls still is reporting a balance owed!
Consumer complaint received 2023-12-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Purchased a {$500.00} American Express gift card for someone but after XXXX purchase they were unable to make any additional purchases online due to transactions constantly being declined. Contacted Amex and they said it was a security measure and it was the vendor 's fault. The vendor says that it's a problem with Amex. I ended up giving the person cash and now I'm stuck with a {$500.00} card that I can't use online. Balance is there if you check their website but the card is constantly declined regardless of the vendor. 

American Express advertises these cards as usable anywhere that accepts American Express but that is clearly not true.
Consumer complaint received 2024-01-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX To Whom It May Concern, I am writing regarding my XXXX XXXX XXXX, which was cited for unfair lending practices in XXXX by Consumer Financial Protection Bureau. I have disputed my student loan balance for many years, and to date my loan is still {$18000.00} and taxed at 8.5 % interest. 

I started college in XX/XX/XXXX and at the time I received Pell Grants to fund my education. Additionally, I served in the military for 16 years ( Army Veteran ) and the Department of Defense paid {$20000.00} via my GI XXXX XXXX towards my student loans. 
I started college at XXXX XXXX XXXX in XX/XX/XXXX and at that time I believe I was awarded a XXXX XXXX to fund my education cost. 
After leaving XXXX XXXX, I attended XXXX XXXX XXXX, a local junior college for XXXX years and transferred to XXXX XXXX XXXX. After one year, I transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in XXXX, earned my Bachelor of Science Degree and graduated in XXXX. 

Between XXXX, a personal banker at XXXX convinced XXXX to consolidate all my student loans into XXXX loan. At the time I was young and naive, and I did not understand the ramifications of this financial arrangement and certainly did not know that this debt would morph into a massive balance due to high interest. 

The interest rate has never fallen below 8 % and I have been struggling to pay this loan off for many years. I am now XXXX XXXX XXXX and 90 % service-connected XXXX per VA and I would like to have my loan reviewed for accuracy and request loan forgiveness due to all the mismanagement, massive fees, high interest rates and late fees. 

Most of the loans that I consolidated were federal direct subsidized or unsubsidized loans that are now consolidated into a variable rate private loan. 
Additionally, XXXX is one of the schools accused by the Federal Trade Commission of misrepresenting its job and salary outcomes through ads. The university also settled with the Education Department and borrowers. 

I have never been able to write off payments on my tax refund, I have been charged late fees and massive interest and many other issues with XXXX loan which is now served by Navient student loan. To date, I still owe {$17000.00} on my loan despite many payments, consolidations, and the Department of Defense payment due to the high interest rate and constantly transferring my loan from one servicer to another. Its as if the Department of Defense payment were never made. 

Thank you, XXXX XXXX XXXX, XXXX  XXXX Attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX