davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (MI)

In the matter at hand, the Consumer ( XXXX  ) alleges continued inaccuracies and material misrepresentations in credit reporting by Experian for the XXXX XXXX ( XXXX ) account/tradeline with the corresponding account number ending XXXX. Despite multiple disputes and clear evidence of inaccuracies, Experian has failed to correct the information, resulting in significant harm to the Consumers creditworthiness, financial stability, housing stability, employment, and health. Experian is the only XXXX that continues to persist inaccurate, incomplete, and facially false information for the account/tradeline in the files it maintains and disseminates regarding Complainant. XXXX and XXXX removed the account/tradeline altogether. Although XXXX and Experian fixed the majority of the errors in XXXXXXXX XXXX subsequent disputes of the remaining errors yielded reinsertion of the same erroneous data as before which included facially inaccurate information. A detailed demand letter and supporting documentation are included.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (TX)

The Company is denying me access to my account. Will not provide me any information on how to regain access or verify my identity in person. I have asked If I can physically go and verify my identity at their location with all legal documents and they can not confirm if this will be acceptable. there is no other way to recover my account with out receiving physical mail ... from an address that i do not have legal access to. I forgot my account number and lost my credit card. I believe that this is just a way to profit from the consumer by forcing them to pay interest on account that will eventually be recovered. FRAUD BY CITI BANK TO " PROTECT YOU FROM FRAUD ''.
Consumer complaint received 2024-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (TX)

I applied but they are not transparent with their lending process. I did not sign the loan... they sent an email requesting me to login to accept the loan. I clicked the link hopung to decline but the landing page promptly welcomed me with a message congratulating for the loan. I was never given an option to decline the loan after applying. They only let you see the loan terms after approving you, but they don't give an option to decline. I sent an email as indicated on the loan document they have on the site in order to cancel but they did not respond. I called them, they refused me the right to rescind, instead claimed to have already deposited the money, so I should only cancel after the deposit has come through. There is nothing in my bank account so I'm unable to cancel the loan. All this is happening less than XXXX hours of applying for the loan. I have attached the loan document they attached to the account.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention fraudulent personal information linked to my identity. Certain accounts and transactions have been wrongfully attributed to me without my knowledge or consent, causing significant distress. As a victim of identity theft, I have reported the incident and taken immediate action. It is essential to address this matter promptly, as it has adversely affected my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent issue is greatly appreciated.
Consumer complaint received 2024-08-23
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (OH)

I requested a loan with Xact Loans back in XXXX and was approved for {$1100.00}, I was contacted by a representative to make the agreement after filling out information on a loan application website that has various lenders contact you to make an offer. I had never done this before so I had no reason to think anything unethical would happen and was in severe financial distress. A representative reached out to me over the phone and then sent over contract information for me to browse and agree on so that I could have the money deposited and it did come quickly. I am now realizing that the loan has exorbitant interest fees and am being harrassed every other day to make payments. I am XXXX payments away from paying off my initial balance but my payment history is not showing up on my profile so I am very certain that this company is not adhering to ethical practices.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old.

Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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: PENNYMAC LOAN SERVICES, LLC. (MD)

I reached out to PennyMac by phone on XX/XX/XXXX regarding a delinquency reported on my credit report. The agent, XXXX could not explain the delinquency and told me the XXXX department would reach out in XXXX  days. XXXX  days passed and the response was that they still had not update. On XXXX, they responded that their legal department would respond. On XX/XX/year>, I was still awaiting a response. XXXX, I received a response that their legal department declined my request to correct my credit report but still with no explanation of why the inaccurate information was reported.

Additionally, PennyMac has closed a renovation loan that had {$34000.00} of funds unused. Those funds, according to my closing documents were to by applied to my principal balance in the form of a principal reduction within 30 days of closing the loan. It has been over 2 months and those funds have not been applied to my principal balance. I reached out to the renovation XXXX regarding this error and he said he would reach out to another department. Again no action has been taken to fix the error. 

This company consistently engages in shady practices and needs to be closed due to their mismanagement of client accounts. Especially since the consumer has no way of stopping Pennymac from purchasing loans, forcing the client to do business with them or pay large fees to refinance.

The documents I have attached show payments to PennyMac from my bank account. The additional document shows my loan activity with no principal balance reduction for the unused renovation funds.
Consumer complaint received 2024-10-22
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P. (OK)

I am writing to request validation of the debt referenced above, as I have not received sufficient information to confirm its validity. Under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request the following : RESURGENT/LVNV FUNDING XXXX Verification that this debt belongs to me. 
A full breakdown of the amount owed, including any fees or interest. 
Proof of your authority to collect on this debt. 
Please send this information to the address above. Until the debt is validated, I request that all collection activities and credit reporting on this matter cease. 

Thank you for your attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (MN)

My cashapp account was randomly closed onXX/XX/2024 due to a vague reasoning listed as violations of terms. Cashapp has a history of doing this to others after Ive done some research online. Ive been a customer for years and used my account for small daily transactions at the gas station and whatnot, nothing out of the ordinary. I recently disputed an XXXX charge for a mere {$19.00}, which Im assuming is one reason why cashapp closed my account, because they dont want to do the legwork of protecting their customers money. Either way, my complaint isnt about the closure of my account, rather its about cashapp refusing to return my money to me and consistently lying stating they didnt receive it. I have several receipts from XXXX confirming they processed the refund of {$19.00} to my cashapp account, yet cashapp refuses to release the money to me and continually lies stating they dont have it. Cashapp will face lawsuits inevitably and their scummy employees who willingly practice business this way should be held liable as well because this is beyond illegal.
Consumer complaint received 2024-09-02
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Dear CFPB, I am writing to file a formal complaint against Genesis Credit Management LLC, c/o Columbia Debt Recovery LLC , regarding their violations of my rights under the Fair Credit Reporting Act ( FCRA ) in connection with an alleged debt ( Account # XXXX ). 

On XX/XX/year>, Genesis Credit Management LLC received a certified letter from me, requesting proper validation of the alleged debt. Despite this, they sent a letter on XX/XX/year>, failing to provide the necessary validation, which violates my rights under the FCRA. Furthermore, when I contacted their office by phone on XX/XX/year>, they were unable to properly validate my identity and terminated the call without addressing the issues I raised. 

The companys failure to provide me with the requested validation of the debt, combined with their mishandling of my personal information during our conversation, raises serious concerns regarding their compliance with federal regulations. 

I am requesting that the CFPB investigate this matter and ensure that Genesis Credit Management LLC complies with the requirements under the FCRA, including the provision of : 1. The original purchase agreement and terms of the alleged debt.

2. Proof of the chain of ownership of the debt from the original creditor.

3. The date of first delinquency with the original debtor.

4. A copy of their bond to operate as a debt collector in my state I appreciate your assistance in resolving this issue and holding Genesis Credit Management LLC accountable for their violations of my rights. 

Thank you for your attention to this matter
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-02
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX, XXXX and Equifax Inaccurately reporting several accounts on my credit report. They are reporting without my permission. The dates are incorrect, and the status of accounts are incorrect. I have tried mailing them first class as well as certified letters however they continue to mail me " stall '' letters. XXXX has continued to continue to report inaccurate information. This is becoming extremely stressful, expensive and causing me problems both financially and emotionally. I am requesting they remove these accounts immediately.
Consumer complaint received 2024-10-12
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (VA)

We completed a refinance in XX/XX/XXXX where the mortgage company encouraged us to change to paperless statements. Since we pay online via our bank we did not rely on getting these. There was an escrow change " sent '', we did not get in XX/XX/XXXX that increased our payment by {$140.00} to escrow starting in XX/XX/XXXX. Since we did not receive this we did not know so come XXXX we paid the standard amount via our bank and the mortgage company accepted it. 

As I prepared to pay XXXX I recalled getting a tax letter from XXXX XXXX about an increase and wondered about our escrow. I went through all the steps to get on the mortgage company 's website, not easy and was confused to see that my XXXX payment was marked suspended and they said we owed a full XXXX payment. After speaking with a helpful representative, we understood the payment from XXXX was being held in suspense as it was {$140.00} short ( the new increase for escrow )? I explained to the agent I did not get the escrow email and still did not understand why the company accepted my payment but did not reach out to us for the additional {$140.00}. I worked with the agent to pay the additional {$140.00} on XX/XX/XXXX, " 3 days late ''. The agent agreed this was odd and removed the late fee, I thought the issue was settled. 

Since we were part of the XXXX breach we received credit change notices and saw that the mortgage company put a late payment on our credit report. I spoke to the escalation agent at the company but was told there was nothing that could be done, their policy was to only accept full payments and would not provide a goodwill change as they were not at fault. 

This is interesting, they were not at fault? Their policy is to only accept full payments, but they accepted our payment. It was not returned to us or denied? How is that not their fault? If they had not, I would have seen the issue in our bank account prior to 30 days and would have resolved it. This company sent me XXXX emails in XXXX, to refinance or take another offer from them BUT they could not email me about the account issue. They could not call. They have seriously hurt my credit for {$140.00}. 

I have submitted a credit reporting " goodwill '' change request to them but have not heard back in the time stated. This all is very frustrating as we were in progress doing a streamline VA refinance and with this late payment we can not get approved. Their action of accepting a partial payment has blocked the refinance for a United States XXXX XXXX veteran, which would have saved his family {$130000.00} over 30 years.
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (MS)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

I have XXXX accounts reporting on my credit from LVNV FUNDING LLC XXXX in the amount of {$2400.00} and the other {$580.00} due to identity theft form XXXXI have called this company multiple times explaining the situation to them and they said they would send out affidavit forms for me to fill out and mail back but I not received these forms and its been over XXXX weeks now as ofXX/XX/XXXX