davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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. (TX)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : 1. Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. However, I have reason to believe that the aforementioned entities have mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed.

2. Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the aforementioned entities have reported information about my accounts without obtaining such instructions from me, thereby violating this section of the FCRA.

I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against the aforementioned entities to ensure compliance with the FCRA.

Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with the listed entities, and any other pertinent information.

I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Additionally, I request that the CFPB publish this complaint or the details of this case, ensuring that my sensitive information is redacted. 

Thank you for your assistance in protecting consumer rights under the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CO)

Hello, My complaint is as follows. I have a mortgage through XXXX XXXX, now XXXX, XXXX. I lost my job in XXXX of last year and applied for a state XXXX ( XXXX,XX/XX/XXXX) so I did not lose my home in XXXX of last year which was approved at the beginning of XXXX this year. The payments from the state ofXX/XX/XXXXXXXX XXXX XXXX ) were scheduled to be sent to my mortgage servicer for XXXX, XXXX, and XXXX. My new servicer is bitterly claiming that they never received payment for XXXX. This is NOT correct. I have email confirmation from the XXXX XXXX XXXX XXXXXX/XX/XXXX that the XXXX payments were sent. I was to take over responsibility for the loan in XXXX, and I have just made my payment today for XXXX. However, at this time, XXXX is refusing to help me in any way and they are claiming that my mortgage is now over 30 days delinquent and it has been reported that way on my credit report. I believe that their system is wrong and no one is looking into why. I have also tried to log into their system several times ( XXXX to be exact with no success, and I also have called in multiple times ). Please help me resolve this because I am getting nowhere with XXXX and I have spent the last 9 months trying to repair my credit and I DO NOT want it damaged again. 
Thank you.
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Open account with Bank of America for deposit and ATM withdrawals only with my State of California in home supportive services payroll checks. I deposited 4 checks totaling {$3400.00} on XXXX of XXXX. All four checks cleared the payee bank on the XXXX, verified thru employer. No hold was placed on opening of account. Withdrew from account on the XXXX of XXXX with bank teller. Still had sufficient funds available on the XXXX of XXXX. On XXXX unable to withdraw cause a rehold was placed on 3 of 4 checks i initially deposited. Was told the funds were to be released the XXXX by XXXX XXXX. Now XXXX of XXXX I am told that they are closing account cause they have information indicating the checks may be returned. So has of the XXXX of XXXX I still am not able to get any funds from account and was told that I need to wait an additional 7 to 10 working days for a check to be mailed to me.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NJ)

I am writing to file a complaint against Affirm regarding a one-time late payment reported on my XXXX credit report for 2024. 

I have done extensive online research and found numerous negative reviews about Affirm, which suggest that this company has a history of reporting negative information. My experience aligns with these findings. 

In my case, I attempted to make a payment through Affirm 's online system, but encountered technical issues that prevented the payment from being processed. I immediately tried to contact Affirm 's customer service for assistance, but no one was able to help me resolve the issue. Despite my efforts to address the problem, Affirm reported a late payment on my credit report. 

This late payment was not due to my negligence, but rather a failure on Affirm 's part to provide adequate technical support and customer service. Their inability to resolve the issue has unfairly impacted my credit score. 

I am requesting that the CFPB investigate this matter and hold Affirm accountable for their poor service and unfair reporting practices. Additionally, I request that the late payment be removed from my XXXX credit report as it was not my fault. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-12
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. (TX)

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 XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-08-12
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. (TX)

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 information requested from the list of acceptable items 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 ).
Consumer complaint received 2024-08-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IL)

Hello- My school ( XXXX XXXX XXXX XXXX ) was part of the settlement between Illinois and XXXX XXXX XXXX. For several years now, I have tried many times for loan forgiveness under this settlement however Navient continues to deny my multiple attempts for loan forgiveness. 

I have filed a complaint against Navient with the assistance of XXXX XXXX at the State of Illinois Attorney Generals office however Navient denied by claim stating that in the settlement agreement, I didn't meet the criteria due to my loans not being in default ( they actually were ). 

I was just recently contacted again by the States Attorney 's office who notified me that I should request the School Misconduct Discharge Application as another attempt to have my loans dismissed. I have called Navient 4 times to get the application and just today, they denied me stating the back-office didn't see a reason for my loan dismissal. 

I need a copy of this document sent to me to at least make another attempt. 

Thank You, XXXX XXXX
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AR)

On XX/XX/year>2021 my car was broken into and a work phone was taken later that evening I got a notification of XXXX $ being removed from my cash app and sent to an unauthorized and unknown person.This person then tried to drain my bank account with XXXX  XXXX XXXX XXXX. I filed a police report expecting them to find the person who was responsible however they never did. I messaged the person thinking it was a neighbor who may have stolen it, and at the time I was in a very unsafe neighborhood and was surrounded by drug dealers, so on a memo that I sent to the person who took my money I put that they were selling XXXX and I would report them as a way to maybe scare them into sending it back this then became an issue because law enforcement thought this was a XXXX  related crime but it wasnt I was a student who was barely making it taking care of my XXXX grandmother this money was a combination of my student refund and my stimulus check that had been deposited so far 3 years later no one will help from cash app and no one will help in general I lost my apartment because of this and I have been through so many horrible traumatic things over this money disappearing I wish they would help me by giving my money back because this was truly an unauthorized transaction that was the result of a crime and fraudulent payment. The company then cancelled my cash app card because I tried to redispute the charge after talking back and forth for months about this charge they refuse help and cancelled me I dont understand because I always used the service and legitimately did not authorize nor no the person involved..
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

On XX/XX/year>, I formally requested that Equifax provide proof of my authorization for the inquiry listed on my credit report via the CFPB portal. In response, Equifax requested that I submit proper identification to proceed with the investigation, which I promptly provided. Despite this, on XX/XX/year>, I received a letter from Equifax claiming that the inquiry was valid because my information was allegedly used to obtain a mortgage. 

Let me be clear : I am not disputing the validity of the inquiry. I am disputing that this inquiry was fraudulent and unauthorized. I never granted permission or authorized anyone to make an inquiry regarding a mortgage on my behalf. To substantiate my claim, I subsequently provided Equifax with an FTC affidavit of fraud confirming that this inquiry was unauthorized. 

Equifax has blatantly violated my rights under the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines by failing to provide proofsuch as my signature or any documentationauthorizing this inquiry. They are now legally obligated to remove this unauthorized inquiry from my credit report immediately. 

This is a formal demand for the immediate removal of the fraudulent inquiry. Failure to comply will leave me with no option but to escalate this matter further, including pursuing legal action to enforce my rights under the law. I expect prompt confirmation of the removal of this inquiry from my credit report.
Consumer complaint received 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (DE)

Lenddumo loans has used my extra payment to affix a higher than agreed interest rate I paid extra {$500.00} on XX/XX/24 with the understanding from Lenddumo representatives than the money would go to my principal the {$500.00} was applied to interest with little to no principle reduction.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

I was routinely checking my credit report and noticed that I had a balance from a collection account in the amount of ( {$530.00} ) from creditor TRANSWORLD SYSTEMS being collected by XXXX XXXX. I contacted both in order to try to get the collection removed. TRANSWORLD said they have no account anymore and are not collecting the balance but it still shows on my report and is negatively affecting it. I am furthermore concerned about my information being in the hands of criminals. XXXX XXXX advised me to report identity theft/fraud through the FTC and file a police report so legal action could be taken and the collection could be removed from my reports. XXXX XXXX informed me that the account was created at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX under the account number XXXX. These criminals also have my father 's information which is very concerning.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I really want XXXX XXXX XXXX to reconsider letting me have a banking relationship with XXXX XXXX XXXX. I want a XXXXXXXX XXXX XXXX Secured credit card. I am ready to build and have a great banking relationship with XXXXXXXX XXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/year>, I sent a foreign currency wire to my account in XXXX where I am living at the moment to support my brother who has XXXX. It was sent to the wrong bank, XXXX XXXX Bank, where I have no account. On XX/XX/XXXX I received an email from Bank of America saying they have sent the wire in XXXX currency ( {$5000.00} ) with a confirmation number XXXX. 
On XX/XX/XXXX I received an email from Bank of America saying XXXX wire failed to send " Recipients bank account details incorrect '. 
I called the Bank of America on the following days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( twice ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Each time, a Bank of America representative told me that the money was held up in XXXX. I called the Bank of America in XXXX and XXXX and was told they were unable to help. I called the XXXX XXXX XXXX  in XXXX twice and was told they are unable to trace the money because they didn't send it and I have no account with them. 
I need the money to pay bills and have been put in a very stressful situation because of my missing funds. Bank of America have told me they have an open case on it and not to worry, but nothing has been done about it. 
The case number is : BMF XXXX XXXX XXXX.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

The original credit card company XXXX XXXX confirmed with me that information they had regarding my balance and payment history was incorrect. They agreed to remove it from my credit report but instead sold it to a this party LVNV Funding LLC. This company had the wrong information. They added this debit to collections which is causing my credit score to decrease which is affecting my chances of buying a home and even a car. The constantly call me and refuse to listen when ai ask them to send me information regarding my XXXX XXXX credit balances.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I was denied a grant assistance to save my house from foreclosure and recently found out it is due to incorrect information reported by the Mortgage Electronic Registration Systems, INC ( MERS ) This company is reporting that XXXX XXXX is the homeowner and this is NOT correct nor has this individual had any financial connections to my home. This individual was never on the mortgage contract, not on the Deed and has never been listed as an owner of this property. In addition, this individual is committing fraud and should be prosecuted for this illegal transaction. I have called the Title Company and have a clear copied where this person was not and still not on the deed. This is a violent individual and my personal information, financial situation and information is being sent to them due to this incorrect data being sent my MERS. If the individual says we are married that also is a lie as we been divorced over 13 years due to XXXX XXXX with no children and no assets together. 
Please correct this information reported by MERS and have no more of my personal information address nor sent to this person.