davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (GA)

On XX/XX/year> a debt collection was alerted for a student loan in the amount of {$1100.00} and another student loan for the amount of {$2.00}. I have tried disputing on XXXX XXXX
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The denial of my credit application on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for Capital One : Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquirie Based on your credit report from one or more of the agencies on the back of this letter, revolving account balance ( s ) are too high in relation to credit score Based on your credit report from one or more of the agencies on the back of this letter, balance owed on delinquent past or present credit obligation ( s ) is too high Based on your credit report from one or more of the agencies on the back of this letter, there are too many missed minimum payments on credit cards in recent history The information is not only inaccurate, but has no legally-valid basis for consideration in a making a credit approval decision. 

Under 15 U.S. Code 1681, Capital One has engaged in adverse action by unlawfully denying me access to a line of credit. 

A letter detailing these violations has been mailed to Capital One and XXXX XXXX XXXX on XX/XX/2023 to correct these errors.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Improper use of my credit report. 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 604A 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 foranypurpose.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Amigos Préstamos (AZ)

THE XXXX FROM AMIGOS PRESTAMOS LOCATED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX HAS REPEATEDLY CALLED AND SENT ME TEXT MESSGAES ASKING INFORMATION ABOUT XXXX XXXX WHOM I HAVE NO IDEA WHO THAT IT IS. I CALLED AND ASKED THEM TO REMOVE MY NUMBER SEVERAL TIMES AND THEY REFUSE TO REMOVE IT. THE MANAGER STATED THAT UNLESS I GIVE THEM A GOOD PHONE NUMBER TO REACH XXXX XXXX OR CO SIGNER XXXX XXXX THEY WILL KEEP HARRASING ME. HE STATED THEY WEN INTO THE OFFICE AND BORROWERED MONEY ( PERSONAL LOAN ) PROVIDED ME WITH THAT INFORMATION TO A THIRD PARTY WHO NEVER AUTHORIZED TO HAVE MY PERSONAL CELL NUMBER AS A CONTACT IS AGAINST FDCPA AND HARRASING A THIRD PARTY WHOM DID NOT SIGN A CONTACT IS ALSO VIOLATING FDCPA.
Consumer complaint received 2024-10-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I been trying to receive our check from our insurance to rebuild our house since XXXX in the amount of {$77000.00} thats we sent to our mortgage company Lakeview loan care back in XXXX we were going to buy a new home but couldnt because Lakeview was unwilling to to work with the company we were buying from they wanted all this paper work that company did not have because they are a vendor not a builder and since Im guess Lakeview dont deal with mobile homes ( dont know why they bought out our mortgage if they didnt ) we were unable to so we decided to fix up our home we turned in all paper work that this company as asked for and every time they tell us its 5 days then 10 days then 15 days then they dont have a time line on whats going on I made a complaint before and a lady name XXXX XXXX was handling on which she called one time and wrote a complaint XXXX  letter on whats going on with our check as she lied and said we didnt turn in paper work that was not signed I called and the other reps said it was signed and she said I needed to show the over amount which no one else has that in their notes that says I need to turn in any other paper work yet she DONT return phone calls or return emails so we dont know whats going on she will call one time to make it seem like they are attempting to help us just to close out our complaint we have done everything this company has asked for and still no money to rebuild our house and no one knows what is going on with the return of our check which at this point I feel like they just dont wan na give it to us which I dont know why we paid for our insurance its OUR MONEY
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (CT)

Hi I have settled my indigo XXXX account, my XXXX XXXXXXXX account and my XXXX accounts. They are all telling me they cant remove them from my credit even though Ive settled and paid as agreed. Please help me remove them as negative remarks on my credit.
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am writing to file a formal complaint against XXXX, Equifax and XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate and unverified information on my credit report. I have disputed the following items on my credit report with XXXX, Equifax and XXXX because I believe they are inaccurate and can not be verified. Despite my formal request for verification under Section 611 of the FCRA ( 15 U.S.C. 1681i ), XXXX, Equifax and XXXX has failed to provide adequate verification or delete the contested items. The disputed information includes : Creditor/Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 addition to contacting the credit bureaus directly, I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number XXXX. This report outlines the same issues I am presenting here and supports my claims of unverified and inaccurate information on my credit report. On XX/XX/year>, I sent a formal dispute letter to XXXX, requesting verification of the items listed above. I provided copies of my credit report and supporting documentation, but I have not received a satisfactory resolution. The disputed items remain on my credit report despite the lack of proper verification. Given the continued presence of unverified and potentially inaccurate information on my credit report, I request that the CFPB take the following actions : Investigate the failure of XXXX, Equifax and XXXX to comply with the FCRA. Ensure that XXXX, Equifax and XXXX either verify the accuracy of the disputed items or promptly delete them from my credit report. Address any potential violations of my rights under the FCRA by XXXX, Equifax and XXXX. Please find attached the following documents to support my complaint : A copy of the FTC report XXXX correspondence between myself and XXXX, Equifax and XXXX regarding this dispute I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights under the FCRA. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

on XX/XX/year>XXXX   in made an online payment for my credit card boll for {$230.00}. USAA put a payment hold on my account without disclosing it to me. i have never been late on a payment or bern over my limit. Further, I have had this credit card fir about five years.On XX/XX/year> i logged into the mobile app and discovered the hold. USAA didnt displsy in the app when the funds would be released either. the information ai foumd online states that USAA will online hold a payment for up to seven days. When I contacted the bank the first rep confirmed it was seven days but stated she could not release the funds. the second agent said that tge hold were fir 10days. I told her the website and the first rep ssis seven. she stated tge frinds wiuld nit be relwaeec until XX/XX/year> which is 13 days. This is the second time in a month that tgey jsvr dobe this without disclosur. This could cause me major financial injury if the XXXXXXXX XXXX the payment and not withdrawing the funds for two weeks. Or withdrawal the funds and forgetting to and the snout to my credit balance. Either way this practice constitutes two UDAAPS ( Unfair snd Abusive ).
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

In XXXX, I lost my job because of COVID-19 crisis and i faced significant financial hardship. 

Then it became very difficult for me to pay the credit cards on time because I had to buy food and housing to survive, so I contacted the creditor Wells Fargo to request some time to be able to pay the cards due to the crisis we were experiencing, the creditor told me that there was no problem but, they still reported in my history that I did not pay on time, violating the CARES Act by covid-19, I contacted them again and they told me that they could not do anything that it was going to stay that way, forgetting all the aid that the government in power had provided, affecting my credit history. 

despite this request and the compliance with the CARES Act, Wells Fargo Bank reported those payments as late on my credit report. 

All those requests were made by telephone calls. 

I kindly request that the CFPB investigate this matter, as I believe Wells Fargo Bank has failed to comply with the CARES Act provisions and is unfairly damaging my credit history. 

It should be noted that as soon as I was able to recover, I fulfilled my obligation to pay the entire debt.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

As a federally protected consumer, I am requesting proof of the alleged debt. Under the doctrine of estoppel by silence, Engelhardt v. Gravens, I may assume that no proof exists. In good faith, I demand evidence of the debt, specifically the alleged contract bearing my wet signature, and proof of your authority in this matter.

I have no account with you, nor have I entered into any contract, so I require the following information : Your authorization under 15 USC 1692 ( e ), ( f ), and ( g ). 
Your legal authority to collect this information. 
Your legal authority to collect the alleged debt. 
Your authorization to operate in my state. 
Proof of the alleged debt, including any contract with my signature. 
You have 7 days to respond in writing. Failure to do so will waive any claims and lead me to presume your previous communication was sent in error, closing this matter. Your continued silence is unacceptable. Please provide proof or correct the erroneous reporting of this debt with the credit agencies. 

I am currently unable to secure housing or employment due to violations on my credit file, and if you do not respond, I will initiate a small claims action for {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

This notice serves as a formal dispute regarding the validity of the alleged debt, and any information received will be used as evidence for further action. The FTC and CFPB will also be notified of this matter.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NV)

I

am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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. (NY)

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. 
XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 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 record of conventions 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Im writing to express my frustration with my current credit scores and the severe impact theyre having on my life. The inaccuracies in my credit report are causing my scores to be significantly lower than they should be, which has made it incredibly difficult for me to secure loans and credit. This has not only affected my financial stability but also added immense stress and anxiety to my daily life. Despite my repeated attempts to address these issues, I havent seen any resolution. I urgently need these problems fixed to alleviate the ongoing strain and restore my financial health.
Consumer complaint received 2024-09-11
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. (TX)

Someone applied for a credit card using my info on XX/XX/year>. Now equifax is reporting the hard inquiry which i would like to have removed. The credit card is from XXXX XXXX XXXX. XXXX and XXXX XXXXXXXX is aware of the situation
Consumer complaint received 2024-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (PA)

Hi, I paid off my early loan and the company is refusing to grant me the early pay off loan option and instead charging me an additional XXXX. I want this loan to be marked as paid and closed as well as removed from my credit report.
Consumer complaint received 2024-09-26
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. (NJ)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :