davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MRS BPO, LLC (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 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. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXXXXXX XXXX XXXXXXXX LVNVFUNDG XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo continuously uses unregulated Artificial Intelligence to submit runaround with false Information and avoided to answer my clear questions- after my home was sold to bona fide buyer in XX/XX/year>- who was entitled to receive and who actually received {$130000.00} from the buyer XXXX He? Who owned account receivable where these money were deposited? Wells Fargo illegally and criminally refuses to return me my original promissory Note, my original Mortgage and all original Assignments after my property was sold and refuses to provide me at ink signed release of liens after this sale.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AZ)

Hi, Ive already filed a complaint and it was closed without giving the proper response or resolving the issue. So XXXX filing the complaint again with more information about the case. 

I'm a customer with Citi bank from last 6 years. I've opened a High yield savings account in XX/XX/XXXX with citi and transferred amounts in XXXX transactions. First Transaction - {$10000.00} on XX/XX/XXXX, Second Transaction - {$5000.00} on XX/XX/XXXX, Third transaction - {$5000.00} on XX/XX/XXXX, Fourth Transaction - {$10000.00} on XX/XX/XXXX. Transferred a XXXX of {$30000.00} from the XXXX joint savings account owned by me and my wife. All these money are from our pay, bonus and some amount is from my brother which is also from his salary. In first week of XXXX I've tried to do ACH transfer of {$10000.00} our chase account and everything was good. 3 days after the cancellation of XXXX when I've tried to login with my mobile app and It was showing Connection error. I've tried it from my computer, It's the same thing and I've tried calling customer representative and they redirected me to couple of other numbers. I've spoke with about more than XXXX customer representatives in last 2 months and everyone is just saying your account is terminated and you wont get any amount from the bank and when I've asked about the reason they are disconnecting the call. We don't have a branch in Arizona to go in person to the bank. So I had XXXX XXXX to XXXX XXXX branch for help from XXXX AZ. Scheduled the appointments in XXXX branches and both the branches were unable to help as the fraud department said the account is still under investigation. 

On XX/XX/XXXX Ive received a response letter from citi bank stating that the originating bank should request for the funds. Ive spoke with citi bank customer service agent and he mentioned my accounts are closed and they are encrypted so he cant access them and the funds from citi bank account has been moved to Citi banks account. The only way is that my originating bank should request them. Ive spoke with the originating bank and they mentioned that as the transactions have been authorized by me they cant recall or dispute the charges. I would like to know why citi bank is not looking into my transactions or perform a XXXX on my account. All the transactions have been done from the joint savings account of me and my wife. Those are all our savings. I would like to know the details from the citi bank executive team and also please return back my funds.
Consumer complaint received 2024-08-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (TN)

I was unfairly delt to a collection firm for from a insurance company progressive that I cancelled and payed my remaining balance and I have below my documents from paying them for the remainder of my insurance below.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercury Financial Intermediate LLC (NY)

The credit reporting agency was wrongfully updated with information that does not reflect my trustworthiness. The information provided has deemed my character as one who is unreliable and one having no true credit managing abilities. However, on the federal act, it is incumbent upon each company and entities to report accurate information, with the utmost true. I have been diligently paying my credit obligations, with honesty and great upwardness.
Consumer complaint received 2024-07-05
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. (GA)

XXXX XXXX  is reporting on my credit report my identity was compromised. They sold the debt to a third party company without ny consent, when I called the company they kept transferring me to another party that does not have any knowledge of this they are just reporting for XXXX XXXX.
Consumer complaint received 2024-08-07
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: CAINE & WEINER COMPANY, INC. (VA)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening straightaway. I mercifully demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the important advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

On XX/XX/2024 I paid of my balance in full. Nelnet has yet to report to the credit bureau of this. Their internal system shows that it has been reported as a XXXX balance. However, it has not- they have a major glitch in their system.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID type : State ID ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers. 

Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warning Consumer Report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (WA)

I, have submitted multiple requests to opt out of information sharing with COLONY/THRGH COUNTRY DOOR, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to COLONY/THRGH COUNTRY DOOR : Submitted on XX/XX/year>, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/year>, following COLONY/THRGH COUNTRY DOOR 's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to XXXX XXXX XXXX section XXXX ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent. 
Privacy Obligations ( XXXX XXXX XXXX ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. COLONY/THRGH COUNTRY XXXX has failed to meet this obligation. 
XXXX XXXX ( XXXX XXXX XXXX section XXXX ( a ) ( XXXX ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. COLONY/THRGH COUNTRY DOOR does not have my written consent to share my information. 
Nondisclosure Option ( XXXX XXXX XXXX ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. COLONY/THRGH COUNTRY DOOR did not inform me of this right. 
Right to XXXX XXXX ( XXXX CFR XXXX ) : Consumers can exercise the right to opt out at any time. I have formally opted out of COLONY/THRGH COUNTRY DOOR 's reporting services and sharing of my information. 
Conclusion : COLONY/THRGH COUNTRY DOOR 's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy XXXX necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation. 
I am once again requesting COLONY/THRGH COUNTRY DOOR to honor my rights and process my opt-out request as mandated by law.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (NY)

I had been with Robinhood since XXXX in good standing, then during the pandemic I trusted my money from the stimulus to be deposited from the Internal Revenue Service into that account, less then a year later XXXX the problems started, first they restricted my account, they stated I needed to submit my identification which I did, not even 10 mins after it was restored it was restricted again, I then decided to give it some time because I did not really need access to the money an it was still getting interest on it being saved with them. Fast forward to XXXX I once again attempted to access my account at which point I learned that they Closed my account, however I can still login an access it, BUT can not withdraw, so I resubmitted my identification hoping that would help but nothing. So then I contacted support all three the later half of XXXX all the way until now XX/XX/XXXX an EVERY email gets ignored and because the account is considered closed I can not request a call back, I have Even resorted to reaching out to Robinhood support page on XXXX AKA XXXX, an still have yet to here back, today I filed a claim with the XXXX  and was suggested to you guys by a family friend, this account in question has a balance of XXXX. Someone please help
Consumer complaint received 2015-07-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

XXXX XXXX sold my loan to Nationstar Mortgage XX/XX/XXXX. Everything seemed to be going well. Fast forward to XX/XX/XXXX. I paid off my loan on XX/XX/XXXX. In XX/XX/XXXX, Nationstar XXXX created and escrow account on my paid off loan for homeowners insurance that I already had for years with another agency. I sent proof of my insurance and my insurance agent faxed my insurance information to Nationstar Mortgage. XXXX XXXX in the Payoff Department then sent my payoff amount ( after cashing my check and the check clearing the bank on XX/XX/XXXX ) I contacted Nationstar Mortgage via phone. I spent two hours on hold, speaking to eight different individuals at Nationstar Mortgage. I again contacted my insurance agent, who again faxed insurance information to Nationstar Mortgage. I again spent an hour on the phone speaking to two individuals ( XXXX assuring me this issue would be resolved, XXXX in insurance department stated they received verification that I did indeed have insurance ). I sent, still again the payoff amount as quoted to me XXXX. I was assured issues would be resolved. On XX/XX/XXXX, I received payoff amount returned via express mail. I again returned the payoff amount to Nationstar Mortgage. I have never ran into this type of issue, where a loan company sets up an escrow account for insurance that I already have, on a loan that I paid off. Please help.
Consumer complaint received 2024-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC (FL)

I did not authorize the sell of my debt or info to no third party which Id violation of 15 us code 1692 and fair debt collection practices act. Its also reporting XXXX  on my consumer report is violation of hippa law and I aske under 15 us code 1692 c to create communication. I called talked to manager he was very rude and told me he dont have to verify account before purchasing them.
Consumer complaint received 2024-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (NE)

I called all XXXX credit bureaus to get the inquiries off of my credit report they told me I had to call the companies i called all of the companies they said they were going to take the hard inquiries that I did not authorize offf i only have XXXX hard inquiries that I used not XXXX - XXXX hard inquiries and i have called multiple times and sent letters multiple times and they are still on all XXXX of the credit bureaus
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (OH)

The amount of interest collected on the loan is oppressive, and I am unable to make progress paying off the principal. Due to information recently learned, I believe the loan interest and fees are illegal in Ohio, as the rate should be capped at 25 percent. This is not a mortgage lender.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX 2024 ChexSystems , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Request to Opt-Out of Information Sharing Dear ChexSystems, I am writing to formally request that my personal information not be sold or shared with third parties. As a consumer, I understand my rights regarding the privacy and protection of my personal data, and I would like to exercise my right to opt-out of any information sharing practices. 

Please consider this letter as my official request to opt-out of the sale or sharing of my information. I would appreciate written confirmation of the completion of this request. 

If you require any additional information to process my request, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I paid off the lease for my Hyundai vehicle on XX/XX/year>. After 1 month of waiting, I never received the title. I called Hyundai motor finance XXXX repeatedly between XXXXXX/XX/XXXX regarding this issue. Their customer service told me they did not have the odometer form and I needed to submit that before they would release the title to me. Of note, I sent in my odometer form in the same envelope as my certified check paying off the lease, and Hyundai received the check with no issues, but apparently lost or never cared to look at the form I submitted with the check. I resubmitted the odometer form electronically on XX/XX/XXXX. They told me the title would arrive in the mail at my house in 5-10 business days. I called back at the end of XXXX over 10 business days after I was supposedly to receive the title because I still had not received it. They told me they sent it and perhaps it was not received by me because weather is bad. They also said if it got lost in the mail, that it was not their responsibility and they can not issue another title because they only have that one copy of it. They said they would send me a lien release form via mail that I could apply for a new title. This was supposed to take 5-10 business days to arrive. Neither the title nor the lien release has arrived at my house as of XX/XX/XXXX. No one at Hyundai seems to care about my issue and I repeatedly get told to keep waiting, it will come. I have only encountered incompetence, carelessness, and willful neglect in dealing with Hyundai motor finance XXXX. After searching online, I see that this is a repeat issue with Hyundai and I am only one in a string of countless consumers who never receive their titles from Hyundai, and those who do receive it only do after much time wasted on the phone or after reporting Hyundai to better business bureau and CFPB, which I am finally resorting to after getting no answers or resolutions from Hyundai.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I had traded/ sold my car on XX/XX/year> with XXXX XXXX XXXX I was under the assumption that they fully paid and handled everything like they told me. I recently found out that It was never fully paid and still had a remaining balance the last 2 years and it's been affecting my credit score without my knowledge till I checked it last month. The pink slip shows that they paid {$7400.00} which was the whole balance of the car. I did get a hold of XXXX XXXX and they told me Hyundai only asked {$7100.00} which was impossible said Hyundai Finance. XXXX XXXX Sent me a check back in XXXX  saying they overpaid my car and never cleared it out that I still had a balance. I was unaware of this issue and having a balance / late payment. If I found out sooner I could have figure things out and credit score/ report wont be this low. I can't get a place that would approved me I'm just trying to fix it and figure this whole thing out