davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against JEFFERSON CAPITAL SYST, a debt collection agency, for reporting a fraudulent account on my credit report. I am a victim of identity theft, and despite notifying the relevant parties, JEFFERSON CAPITAL SYST has erroneously included an account that I did not open or authorize. 

The details of the fraudulent account are as follows : Account Number : XXXX Reported by : JEFFERSON CAPITAL SYST I have previously informed JEFFERSON CAPITAL SYST of the fraudulent nature of this account and provided evidence of my identity theft. Despite these notifications, they have failed to rectify the situation, and the fraudulent account remains on my credit report.

It is illegal for debt collectors to report accounts that are fraudulent or not verified. The continued reporting of this account not only affects my credit score but also causes undue stress and potential financial harm. I request that the CFPB intervene to ensure the following actions are taken : Immediate removal of the fraudulent account from my credit report.

Compensation for any damages or inconveniences caused by the wrongful reporting.

Confirmation of the steps taken to address this issue.

Enclosed with this letter are relevant documentation supporting my claim of identity theft.

I trust that the CFPB will take appropriate action to resolve this matter swiftly. Please confirm receipt of this letter and inform me of any additional steps required from my end. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (HI)

The following account is hurting my credit rating, credit standing, and credit capacity Wells Fargo [ Account # XXXX ]. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable. This account was removed from a consumer reporting agency because it did not comply with the FCRA therefore as a supporting documentation, your agency now has a reasonable cause to believe that the furnished information is inaccurate and must be permanently removed from my consumer reports.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

Care Credit. I made the purchase of XXXX. I paid the payment of XXXX which was more than what was due. I had some medical problems and I missed some payments. I called Care Credit ask my balance explaining the reason for my delinquency. I was told XXXX. XXXX. This was XX/XX/2024. I didn't hear anything from them. No bills. No texts. No emails. No calls. Then on XX/XX/XXXX I get a collection call telling me I owe over XXXX.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (AZ)

My credit card was assessed interest on XX/XX/year> for {$5.00} when I believed the account had a {$0.00} balance. Then, in the proceeding months interest was continued to be charged and continued past due. My credit account was then reported delinquent 30 days for XXXX, 60 days for XXXX, and 90 days for XXXX. I contacted the lender via telephone on XX/XX/year> and an interest charge fee waiver was granted for the interest charge of {$5.00} assessed on XX/XX/year>. However, the lender refuses to apply the fee waiver credit date to the date of the interest charge assessment which would cause the other interest charges on the account to be removed, and the credit reporting to be correctly reported as current.
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I was sold a car and it broke down a week later I went back and fourth with the dealer for months. He had given me rental cars until my car was repaired. But it was never repair it was one problem after another. Then he charged me more than he said. The employee no longer works there and the company shut down. I want to challenge this.
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: Experian Information Solutions Inc. (NC)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXX XXXX.
Consumer complaint received 2024-08-07
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. (TN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-07
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. (NJ)

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (GA)

Subject : Dispute of Inaccurate Information on CoreLogic, XXXX, 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 CoreLogic, XXXX, and XXXX consumer 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 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 seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my CoreLogic, XXXX, and XXXX report. Specifically, I ask that : XXXX. CoreLogic, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. CoreLogic, XXXX, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my CoreLogic, XXXX, 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 2024-07-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (MD)

In XX/XX/2023, my online information was compromised ( financial, phone, and email accounts ). I had to go to my bank to close out a previous debit card due to unauthorized transactions on my account. I also noticed that an installment loan was taken out and added to my credit profile ( probably the same hackers who got into my email accounts ). I have been trying to cancel this fraudulent loan out since XX/XX/2023, but it seems Affirm nor the company that the funds were sent to are not interested in correcting the fraudulent unauthorized transaction- WHICH IS ILLEGAL. 

Having your identity stolen is one thing, but to have financial institutions drag out payments from your account for 7 months when you've reached out to them for SEVEN months to correct the issue is even worse. Are they that pressed for money that they allow fraud and identity theft predators to victimize hard working citizens. 

I WANT THIS LOAN CLOSED DUE TO IDENTITY THEFT AND ALL OF THE FRAUDULENT PAYMENTS DRAFTED FROM MY BANK ACOUNT RETURNED.
Consumer complaint received 2024-07-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC (VA)

I am writing to formally register a complaint regarding the solicitation practices of Newrez LLC, my current mortgage servicer. As a customer, I have been receiving persistent and unwelcome calls soliciting me for a VA streamline refinance opportunity, despite my clear indication of disinterest. 

The issue began when I received an initial call from Newrez On XX/XX/XXXX offering a VA streamline refinance. Curious about the details, I requested further information and allowed them to proceed with calculations using my information. However, when I requested a written copy via email for review, I was instead pressured to receive these details over the phone. During this conversation, the Newrez representative informed me that I could skip up to two mortgage payments through the refinance, which I later discovered contravenes VA regulations. 

Despite informing Newrez that I was not interested in pursuing the refinance at that time and requested to not be contacted further on this matter, the solicitations continued unabated. Over the past two months, I received seven calls from different Newrez employees, all attempting to sell me the same product.

In response to these persistent solicitations, I proactively contacted Newrez customer service on three separate occasions, requesting to be placed on any " do not solicit '' lists they maintain. Additionally, I utilized the government 's OPT OUT website to prevent further unsolicited communications. Regrettably, these actions have not ceased the calls, as I am still receiving solicitations as of today, XXXX XXXX.

This persistent solicitation not only violates my explicit request for privacy but also feels exploitative of my veteran status and existing customer relationship with Newrez. As a loyal customer, I find it unacceptable to be repeatedly solicited for a product that I have clearly declined.

I trust that Newrez takes customer privacy and compliance seriously. I request immediate action to rectify this situation, including a cessation of all solicitations regarding the VA streamline refinance and confirmation that I have been successfully placed on any relevant opt-out lists. I also seek an explanation for why these calls have continued despite my proactive efforts to stop them.

Please acknowledge receipt of this complaint and inform me of the steps being taken to address this matter. I appreciate your prompt attention to this issue and look forward to your timely response.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (CO)

I called and ws told XXXX XXXX accounts had positive balances that they couldn't close my accounts and send me a check. I spoke with XXXX on XX/XX/year> around XXXX XXXX. They offered a credit, and for me to call the next day to issue a credit but refused to actually close the accounts as I requested.
Consumer complaint received 2024-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

I applied for Direct Consolidation with a request to be put on the XXXX program as part of the application and chose to switch my loan from XXXX to MOHELA on XX/XX/XXXX. 

The consolidation went through on XX/XX/XXXX and the income based repayment plan somehow was not submitted as part of that application. I was put on a standard repayment plan which is not what I applied for and can not afford. I have since been accruing interest on my loan and should not be. 

I spoke with someone from MOHELA and was directed to submit another income based repayment plan application. I did so on XX/XX/XXXX. I was told that my account would be placed in administrative forbearance the following day XX/XX/XXXX. My account still says 'Awaiting Form Administrative Forbearance-Ends XX/XX/XXXX '. I was told that MOHELA recieved my new application by the represenative and I want to know why the form is not in my account yet and why it has not been processed. This timeline is unacceptable. There has been XXXX communication from MOHELA regarding my application. I have had to call them to get any information about my loan repayment application. Why am I having to call and get this information? That is the companies job.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PennyMac Loan Services and the credit bureaus regarding the inaccurate reporting of my credit information. Despite my persistent efforts to resolve this matter, I have encountered significant challenges that remain unaddressed.

Details of the Complaint : - Account Name : PennyMac Loan Services - Account Status : Reported as open ( should be reported as closed ) - Transfer Date : Sold back to XXXX XXXX XXXX XXXX - Nature of the Issue : PennyMac Loan Services continues to report this account as open on my credit report, despite it being sold back. This misrepresentation is adversely affecting my credit score and financial standing. 

Legal Basis : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute inaccurate information and request that the credit bureaus conduct a reasonable investigation. However, despite multiple disputes filed with the credit bureaus, my concerns have not been adequately addressed.

2. Accuracy Requirement : The FCRA mandates that consumer reporting agencies must ensure the accuracy of the information they report. PennyMac Loan Services is also obligated under the FCRA to provide accurate information to the credit bureaus. Their failure to correct this erroneous reporting is a violation of the law. 

3. Failure to Investigate : In accordance with Section 611 of the FCRA, upon receiving a dispute, the credit bureaus are required to investigate the matter. My repeated attempts to have this issue investigated have been met with inadequate responses, and the incorrect information remains on my credit report.

The negligence displayed by both PennyMac Loan Services and the credit bureaus has caused me significant distress and has negatively impacted my creditworthiness. I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against both parties for their failure to comply with federal regulations regarding credit reporting. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (AZ)

Creditor is sending wrong information to the credit bureaus. Creditor is VW Credit. This account was charged off due to my vehicle being stolen in XX/XX/XXXX. Also, they keep updating that my payment is late every month to the credit bureau even though the account is charged off. I called VW credit today on XX/XX/XXXX and they informed me that they do not send late payments. However, that is not true. On my credit reports is says that I made a payment on XX/XX/XXXX which is not true.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

XXXX XXXX SOLD XXXX DEBT TO COLLECTORS TO WHOM VIOATED THE DOOD FRANK ACT .SOL EXPIRED AND STILL FALSELY REPORTING AS S UCH
Consumer complaint received 2024-07-31
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AmeriHome Mortgage Company, LLC (MS)

This will be the second time this year I have had to start a claim with this company. The first time was due to them losing paperwork causing us to go from XXXX in debt to XXXX and almost losing my home. Amerihome sent us a package in XXXX to sign and have notarized to do our loan modification. We went through the proper steps and sent the paperwork back. I called 3 days later to confirm they received the papers and was told they did and the papers were currently with the underwriters. About XXXX weeks after we received another packet of the same paperwork stating the notary did not date, so we went back up and did them again making sure to have everything signed and dated properly and taking picture proof of each page. We sent them back via XXXX  and called 3 days later to check on the status. The company confirmed that the papers were received. It now has been a week and I have received another copy of the same exact papers with the same exact excuse saying the notary did not date. I called the company after receiving the papers, and the lady with the company said it doesn't show anything in my account about any agreements made, papers sent out, or papers received. This agreement of a loan modification is time-sensitive and only stands for a short period of time. They continue to delay the process which could cause us to lose the agreement and ultimately lose our house. At this point, we are trying to figure out why our account does not show anything about the agreement or paperwork. Our house has way more equity than what is owed, so they are trying to make it to where we lose our house to them so they can profit.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (WA)

I noticed my American Express credit card statement due XX/XX/year>, had an interest charge. We pay our bill on time and in full, so there should be no interest charges. I called American Express and enquired what was happening. They informed me that the payment due date is the XXXX of each month but the billing cycle closes the XXXX so the interest is for those 6 days. The customer service person told me this is perfectly legal. They told me they could waive the amount this month, but theyve been doing this at least the past 3 months ( {$81.00}, {$86.00}, and {$54.00} ), effectively stealing {$220.00} from my family. I would like this looked into to confirm it is a legal practice. Obviously, we will be closing the account which we have held for 17 years. I look forward to hearing about your findings.