davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (DE)

They reported that this account was Paid, Closed {$520.00} written off. I asked that they send a 1099-c so I can report to the IRS. They said they cant because it was paid from reserves. So I again asked for a 1099 if its reporting as a charge off or to remove the reporting on the credit bureaus and they again said they can not!
Consumer complaint received 2024-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I was notified several months ago my loan would no longer be serviced by Navient, by Navient via mail. They have since charged my bank acct for payments. I have reached out multiple times that I revoke their ability to authorize on my account for these payments. They again transacted against my checking acct and I sent another request stating no authorization and Im reporting the charge as not authorized.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: MARINER FINANCE, LLC (TX)

I received a notice from Mariner Finance in XX/XX/year> that I was delinquent on a loan payment. A live check was cashed or deposited on XX/XX/year> with my name and address that initiated a loan in the amount of {$4000.00} and the amount had since ballooned to {$5100.00}. 
There were 5 live checks that were fraudulently cashed or deposited in 2023 using my name, address and a forged signature. I filed a police report with the XXXX Police Department in XXXX, Texas. Mariner Finance refused to give me a copy of the check that initiated the loan and simply closed the account and placed a derogatory remark on my credit report, listing the loan as bad debt.

If given a copy of the check that initiated the loan, I can prove that the signature is not mine and someone merely ran my credit report to fill out most of the information on the check using home and work phone numbers that I have not used in more than 10 years.
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Synchrony Bank presented me with an offer to pay a debt, I conditionally accepted the offer on the condition that clarification and full disclosure of the claimed debt was given before I proceed. Synchrony Bank ignored my request to resolve this matter and instead reported detrimental information to credit reporting agencies against my instruction. I did not consent, benefit, nor authorize this account on my consumer report and Synchrony Bank has violated my right to privacy per federal consumer financial law.
Consumer complaint received 2024-10-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (WA)

3x disputed a fraudulent charge made on XX/XX/year> for {$610.00}. They denied the last time stating I made a fraudulent or false dispute and closed my account. The money was fraudulently taken from my account. I don't know who the person is and I didn't authorize the transaction.
Consumer complaint received 2024-10-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: GLA Collection Company, Inc. (IN)

XX/XX/year> - After getting spam called/harassed weekly by this company over a debt that doesn't even exist, regarding a XXXX that was never performed. I have never even had a XXXX my entire adult life and they keep calling me from NEW numbers after I blocked the number that was spam calling me repeatedly... again ... about a XXXX that never existed???
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My dad cosigned with me to get my truck on XX/XX/year> ..... 
My dad 's XXXX XXXX is XXXX, as to why he was cosigning for me ( the last place I had a vehicle from refused to report to the credit agencies so I had nothing to show I was making payments on time monthly, well, we applied for the loan, told I was approved, for all the required paperwork in, pay subs, bank statements, id 's, ss numbers etc. 
Everything went thru, we both signed all the paperwork for the loan on my truck, everything was a dream come true. 
Loan companies denied us, and capital one came along, around XX/XX/year> and wanted proof that I made {$4000.00} a month to my dads {$3600.00} per month. As they said was required I sent that proof, waiting on hearing back on anything. 
At this point I have had my truck for almost XXXX weeks, it's all I have for any kind of transportation ... .. we get a letter in the mail today saying they denied us, due to MY credit history, not even looking at my dad 's credit or history as he is my cosigner, they only looked and made their mind up on my credit history. 
I am terrified I am going to lose my truck, it's been almost XXXX weeks I have had it, I have no clue who to make my payment to or anything Currently I am a complete wreck of nerves not knowing what's going on, I can't lose my truck, it's all I have
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit acceptance continues to report incorrect information on my credit report which is damaging my credit now. I have called several times and have beent told that it was sent to a third party. Which I have asked them how are they reporting this information and I was told it isn't in their system anymore and I asked the name of the company. I then contacted the other company which was an attorney and I was then told that they had served me at my moms address which I don't stay and Haven't stayed ever. I was told that they gave it to a young lady which was my sister and said that she was XXXX. MY sister literally is XXXX and had to be XXXX or XXXX at that time.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion recently ( around mid XXXX XXXX XXXX ) reduced my credit score. When I inquired as to why they advised that two accounts ( XXXX XXXX and XXXX ) had excessively high balances. I informed them that both accounts were installment loan accounts and that the status on both were at or below their scheduled balances and there were no late payments on either. Transunion indicated that they would investigate and report back to me. 

On XX/XX/year> I contacted TransUnion to get an update and was informed that the two accounts had been updated and were accurate. They also informed me that the issue was that I had three accounts that were in excess of {$10000.00} which were deemed excessive by TransUnion. The three are my mortgage account, a car loan, and an installment loan for a solar system. All three have payment history 's of over two years with no late payments. 

Why is my credit score being lowered when I am up to date on all of my accounts and have no adverse credit issues? 

I acn be reached at XXXX if you need more information. 


XXXX XXXX XXXX
Consumer complaint received 2024-09-14
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Subject : Complaint Against Equifax and XXXX XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally lodge a complaint against Equifax and XXXX XXXX XXXX XXXX regarding the inaccuracies and repeated violations associated with my credit report. 

Despite the fact that the account in question XXXX XXXX XXXX XXXX was closed on XX/XX/XXXX over XXXXXXXX XXXX I have noticed that both companies continue to manipulate the remark codes on my credit report. They have changed the status from " paid '' to " paid and closed, '' which has adversely affected my credit score. This inconsistency seems to be a deliberate attempt to misrepresent my credit history, and I find it both alarming and frustrating. 

Additionally, I believe these actions constitute a violation of the Fair Credit Reporting Act ( FCRA ), particularly regarding the improper use of my credit report without my written consent. This ongoing issue has caused me significant distress, and I am concerned about the impact it may have on my financial well-being. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that these companies comply with the FCRA and rectify my credit report. Both of these companies used my credit report in a intentional and recklessly way and I will be pursuing legal action against both companies. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

There is an hard inquiry from Capitol one which I XXXX XXXX XXXX XXXX DID NOT APPLY FOR ANY CREDIT! I am in the prices of credit repair and can not risk applying for be cards at the moment. This inquiry need to be deleted asap.
Consumer complaint received 2024-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

Subject : Dispute of Inaccurate Information on XXXX, Innovis, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, Innovis, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : XXXX. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
XXXX. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation. 
XXXX. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
XXXX. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation. 
XXXX. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX, Innovis, and XXXX may violate my rights under the following laws : XXXX. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
XXXX. 15 U.S.C. 1681i : Procedure in case of disputed accuracy. 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 
XXXX. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes. 
XXXX. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than XXXX years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, Innovis, and XXXX report. Specifically, I ask that : XXXX. XXXX, Innovis, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, Innovis, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, Innovis, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am facing an issue with my bank account at Capital One ( account type : checking/savings ). Recently, I conducted XXXX private currency exchange transactions with a friend involving {$300.00} and {$1400.00} for personal and legitimate purposes. Despite this, Capital One has suddenly frozen my account without providing prior notice, which has significantly disrupted my financial activities. 

I attempted to contact Capital One regarding this issue. After multiple attempts due to long waiting times, I was finally able to speak to someone. During these interactions, I was asked for information to verify the transactions, including my friends phone number. I provided this information as requested, but the bank has stated that they can not locate an account associated with my friends number. This does not make sense, as my friend does not hold an account with Capital Onethis was simply a private exchange using XXXX for convenience. 

The banks explanation is unreasonable : if they can not verify the phone number because my friend does not bank with them, this is clearly not something within my control, nor is it my responsibility to address potential issues with XXXX verification process. I am being unfairly penalized for something completely beyond my influence, and I find this entirely unacceptable. 

Furthermore, I requested an apology from Capital One for freezing my account without notice, but they refused to provide XXXX. I believe that as a customer, I deserve transparency and proper communication regarding the actions taken against my account, especially actions as disruptive as freezing access. 

I am seeking assistance from CFPB to resolve this matter. The freezing of my account was unjustified, and the lack of effective customer service and transparency has caused me financial stress. I hope that CFPB can intervene to help restore my account and ensure that Capital One addresses these issues.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am experiencing an issue with my bank account with Capital One. Recently, I conducted some private currency exchange transactions involving {$300.00} and {$1400.00}, both of which were personal exchanges for legitimate purposes. However, without prior notice, the bank suddenly froze my account, causing significant inconvenience to my daily financial activities. 

These currency exchanges were simple, personal transactions between myself and a friend for travel or other personal needs, and the amounts were small. There was no commercial or illicit activity involved. Despite this, the bank locked my account without providing any clear explanation or reasonable notice. 

I received an email from the bank notifying me of the account freeze. However, when I attempted to contact the bank via their customer service hotline, I faced serious communication difficulties. The waiting times were extremely long, and sometimes my calls were not answered at all. This made it impossible for me to effectively communicate with the bank and resolve the issue. 
When I requested an apology for freezing my account without proper notice, the bank refused to issue one. I believe the account freeze was unjustified, and the communication provided by the bank was severely lacking, leading to financial stress and inconvenience for me. I am seeking CFPBs assistance to request that the bank restore my account to normal use, provide a reasonable explanation for the freeze, and issue an apology for the inconvenience caused. Additionally, I hope the bank will improve its customer service and provide more effective channels of communication to prevent similar issues for other customers.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have already sent in All the information to Experian regarding the payment of this account.They stated that the information is accurate.The account has been paid and should be removed off my credit report. 

XXXX XXXX XXXX paid : {$610.00} XX/XX/2021 ... .documents will be uploaded as well! I've sent the same documents to Experian as well
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (MI)

Attached is Michigan drivers license obtained 4 months after moving to new residence from Prior parents home. As you can see its dated for XXXX which conflicts with the XX/XX/year> AARGON AGENCY INC is reporting as the ending date by multiple months. As previously reported AARGON AGENCY INC has fraudulently reported data and attached it to my account without any proper means of verification.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

Myself and another company were victims of bank fraud. Over {$22000.00} was taken from my account by hackers. Our cases were investigated together. The investigation lasted several months and my account was frozen during the process. I was ultimately cleared of any wrongdoing and given an investigation report that detailed how the money was stolen from my account. Despite all of this I never received a XXXX of my money back even though I was told I would get it at the conclusion the investigation. Bankers walked me through the claims process. My claim was almost instantly denied ( I received a denial letter the next morning ). Truist Banks reason was the funds were wired to a trusted account ; meaning they thought it belonged to me. I was able to prove the account was not mine. Then I was told to file another claim. This claim too was denied on the grounds that Truist says my time to file such a claim had expired even though several bankers have told me this is an error. I have made several attempts to resolve the mishap and recover my funds but to no avail. I cant even get a returned phone call.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MO)

Dear Sir or Madam, I am writing to formally file a complaint against American Express regarding the handling of my account, which ends in XXXX. Despite having paid off the account, American Express has erroneously reported that I was delinquent on this account. This reporting is inaccurate, and it has negatively impacted my credit score and financial standing. 

Additionally, American Express sent me a letter acknowledging that they made mistakes on my credit report due to a technical error. In the same letter, they stated that they would correct the issues on my credit report. However, no such corrections have been made to date, and the inaccurate information remains on my credit report. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that American Express corrects the errors on my credit report and takes responsibility for the harm caused by their negligence. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely,