davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CO)

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 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 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year> I noticed a payment in the amount of {$400.00} was deducted from my checking account for an auto loan payment. However I did not schedule this payment, authorize capital one to take this payment from my account or set up auto pay for this auto account. When I called capital one regarding this unauthorized charge and to request that the money be returned back to my checking account the agent said that I must of scheduled the payment, which is false. When I asked when I supposedly scheduled this payment the agent responded Im not sure maybe some time last week. Again I never scheduled this payment. The agent also stated there was nothing she could do. She stated that I would have to call the bank and put a stop payment on the charge. The account was past due and capital one decided to take the payment from my checking account without my authorization since my banking account information was saved in their system.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (IL)

In line with the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the required documents, which include a photo ID, a utility bill, and a letter from an advocacy group supporting me with XXXX XXXX related to XXXX XXXX as outlined in XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that this information be removed from my credit report within four business days, in compliance with section 605C of the Fair Credit Reporting Act. I have provided my identification and the necessary documents from the list of acceptable items, with only two required by law. Additionally, I have included all required documentation and a victim determination letter as specified in section 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

I recently applied for an apartment and it stated I had an eviction which Is inaccurate, I would like to obtain a copy of my consumer report to see what is reporting fraudulently and inaccurate.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Affirm Holdings, Inc (DC)

The company is Affirm. I purchased items for {$150.00} & I made three or four payments of {$55.00} which would have been what it cost. I called to pay off the balance and was told it was {$500.00}. I stopped the automated payments because I was told there was no way for me to pay what I owed at that time. The finance or interest was for a 12 month period. I had used affirm in the past and was not overcharged or charged an interest charge.
Consumer complaint received 2024-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I have experienced resistance to receive information on the school misconduct loan discharge as well as the application from Navient. After much persistence on my behalf, Navient forwarded me application, but informed me that my application would be automatically denied. In XX/XX/XXXX, I submitted the application & received an email from Navient on XX/XX/XXXX, stating that my student loan did not qualify for discharge because the funds were sent directly to me & not the XXXX & also because XXXX XXXX XXXX was a non-profit school. I responded to Navient to provide with me with their eligibility criteria in which they are basing their school misconduct discharge decisions on, & also for the loan origination documents. I received my loan origination documents, however did not receive any information in regards to how Navient was basing their decisions. Upon reviewing the loan origination documents, the documents confirm that the funds were sent directly to XXXX XXXX XXXX  XXXX not directly to me as Navient is claiming. On XXXX XXXX, I received an official denial letter from Navient, once again stating that my loan did not qualify for discharge due to my loan being a private loan, & also the school being non-profit, referencing the Holder Rule federal regulation & siting XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as the basis of their decision. I contacted the FTC for further information regarding their Holder Rule & upon researching the FTCs & The Project on Predatory Student Lending Holder Rule articles, the Holder Rule qualifies private student loans as part of the school misconduct loan discharge. Additionally, the federal case XXXX XXXX XXXX XXXX  XXXX XXXX that Navient is citing, the Memorandum Opinion applies to Truth-in-Lending Disclosure, Bankruptcy, & Unreasonable Credit & Appraisal fees as it pertains to Mortages, & is not an applicable motion pertaining to student loan misconduct discharge consumer protective rights.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Urgent Alert : Immediate Action Required! 

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), it is explicitly stated that " There is a need to ensure that consumer reporting agencies uphold their profound responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX, as consumer reporting agencies, are bound by this mandate, and as a consumer, I am entitled to enforce my right to protect my private information. 

Moreover, 15 USC 6801 underscores that Congress has established a policy where each financial institution must uphold a continuous and affirmative obligation to safeguard the privacy and confidentiality of customers nonpublic personal information. This obligation extends to any entity providing information to credit agencies, which are classified as financial institutions under this regulation.

15 USC 1681, Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies are only permitted to furnish consumer reports under specific conditions, primarily adhering to the written instructions of the consumer. Neither XXXX nor XXXX has my consentneither verbal, written, nor impliedto disclose my information. All forms of consent to these agencies are hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires that financial institutions disclose nonpublic personal information to nonaffiliated third parties only after providing the consumer with a clear explanation of how to exercise their nondisclosure option. Neither XXXX nor XXXX has provided such information, thereby failing to comply with this regulation. 

Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years. The continued reporting of this outdated information without my authorization constitutes a direct violation of this law.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that no person should furnish inaccurate information to any consumer reporting agency if they are aware or reasonably should know of its inaccuracy. XXXX and XXXX are in clear violation of this requirement. 

15 U.S. Code 1681e demands that consumer reporting agencies implement reasonable procedures to prevent violations of Section 1681c and limit the furnishing of reports to legitimate purposes. It is evident that XXXX and XXXX are failing to uphold these standards. 

Finally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. I am exercising this right immediately.

This is a serious breach of legal obligations and my personal privacy. Immediate rectification and cessation of these practices are required.
Consumer complaint received 2024-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Real Time Group, Inc. (CA)

I filed for bankruptcy in XXXX. I had a second mortgage with XXXX. This mortgage with XXXX was included in the bankruptcy. I spoke to a representative at XXXX about the bankruptcy, mortgage and payments. The representative informed me that I didn't need to make payments on the loan due to the bankruptcy. The payments on the loan would be collected whenever the house was sold. 

For XXXX years I did not receive any information from XXXX regarding a payment or foreclosure. Once Realtime resolutions took over the loan I'm now being told that I need to pay a large sum of money to keep my home that I have lived in for XXXX years. 

After XXXX years Realtime Resolutions purchased the loan and informed me that I needed to pay a large sum of {$24000.00} and $ XXXX. I told them that XXXX had not sent me any statements, requested payments and didn't request any payments on the loan. 
Realtime resolution threatened to foreclose on my home if I didn't make the payments. 
I am currently trying to save my home by making monthly payment of {$4200.00} to Realtime resolution. 

I dont understand why the terms of the loan changed after 9 years of SLS not requesting any payments nor sending me any statements. 

I'm also wondering how Realtime resolutions could change the agreement made by XXXX and threaten foreclosure on my home. My home is currently in pre-foreclosure and I'm constantly receiving calls from people wanting to purchase my home. 

After 9 years going by without any information from XXXX, I would think that Realtime resolution would show me some type of grace and consideration regarding the loan payments. I would think that Realtime resolutions would uphold the terms given to me by XXXX.
Consumer complaint received 2024-07-26
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

I am a little late on paying my bill and they won't stop calling me. They have called me 5 times since XXXX. It's now XXXX XXXX XXXX. 

Phone calls date and time XX/XX/24 - XXXX XX/XX/24 - XXXX XX/XX/24 - XXXX XX/XX/24 - XXXX XX/XX/24 - XXXX this is harassment and it needs to stop. I have every intention of paying my bill. I am only 9 days late.
Consumer complaint received 2024-07-26
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: ENOVA INTERNATIONAL, INC. (NY)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my multiple attempts to raise this issue and request a thorough investigation, I have yet to receive any resolution or corrective action. These inaccuracies are severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Indie Technology DBA Found (NY)

On XX/XX/XXXX, i was in XXXX ny and i was robbed for my belongings. My wallet, my ids, my cards were all stolen. I had to then put a block on my credit cards when i was able to reach a phone. My phone was also taken. I reported this to the bank that they need to dispute all charges since the XXXX off my card. They have yet to do so, they then emailed me and told me they arent responsible for me being robbed and pretty much thats my loss. Absolutely not, that was my rent money and money for my daughter on my card. XXXX  of dollars and i will absolutely take legal action if i dont get my money back. I sent them my police report and they still denied me.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (MS)

I am the author of this complaint. I applied for an apartment and was denied due to an account being on my credit report. The leasing manager reached out to me and told me that IQ DATA INTERNATIONAL INC ( Original Creditor : XXXX XXXX XXXX ) was the account responsible for my denial. I have to relocate within the next 30 days and this company has caused me great harm and inconvenience. I paid an application fee to XXXX XXXX XXXX but ultimately decided not to move forward with moving in. XXXX XXXX XXXX reimbursed me the application fee via check in the mail but now they are making collection attempts and reporting on my credit report. This company is reporting on my credit report falsely, inaccurately, and fraudulently. I exercise my right to opt out of all reporting from this company to my credit report and I exercise my rights under the Fair Credit Reporting Act to have this account removed immediately This company has violated 15 US Code 1681s-2b in their responsibility as a furnisher, they also did not provide me with my opt out rights in the terms and conditions as required by law to provide 12 CFR 1016.7section a. This company should be held under civil liability for non compliance pursuant to 15 US Code 1681n
Consumer complaint received 2024-07-26
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: BlueChip Financial (MI)

Paid XXXX on XXXX XXXX. They claim i owe them XXXX for the month. Told me through email go on line will not connect me keep getting different error messages XXXX & XXXX claiming that page isnt there. 
Have sent screenshots of everything no answer
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (NY)

On XXXX XXXX I used my Affirm Credit Account Loan XXXX to make a purchase from XXXX. It's been over a well over a month and the XXXX never delivered the merchandise to me and I requested a full cancelation of this loan. 
As of XX/XX/year> Affirm.com along with XXXX refuses to cancel the {$1200.00} loan for unknown reasons. At this point I decline, refuse & repudiate any offers of merchandise from XXXX and request Affirm.com to cancel loan XXXX XXXX indefinitely.
Consumer complaint received 2024-06-27
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-26
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 : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

10. 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 : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 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. XXXX, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (MA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on any purpose As you may be aware, this section mandates strict permissible purposes for accessing and reporting consumer credit information. The presence of these late payments on my credit report constitutes a violation of this statute. Consequently, I am requesting the immediate deletion of these late payment entries from my credit report to rectify this error and ensure compliance with federal regulations. 

Please confirm in writing the deletion of the late payment entries within 30 days of receipt of this letter. I appreciate your prompt attention to this matter and look forward to your swift resolution.
Consumer complaint received 2023-10-01
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. (FL)

Last year XX/XX/2022 occurred the scariest event in my entire life. I never checked my credit report and to be honest I didn't even know about Credit reporting agencies were before then. I was a Victim of Identity theft, I have heard of people talking about it before, but never did I think that I would be a Victim. It wasn't until I received a very disturbing phone call that left me XXXX XXXX XXXX XXXX that I realized that something was wrong. After crying and talking about it, I stumbled on a XXXX video and said I can call the Experian and tell them that you have been a victim of fraud so that they can lock your account, and no one can access it to create any new account under your name. So, I called the credit reporting agency Experian and informed them of the issue they placed a Fraud Alert on my credit report on XXXX. I have never been able to use my credit ever since. It has taken over a year before I finally got advice what to do. I am negatively financially affected.