davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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: Denali Capital Holdings, LLC (GA)

Recently I looked at a copy of my credit report & noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : ACCOUNT NAME : XXXX XXXX. 
ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (MS)

I had a debt i owed to World Finance Corporation, they sold the debt to XXXX XXXX XXXX, I paid off the debt and as agreed Spring Oaks took it off my credit, and if not mistaken I had an agreement as well with World Finance Corporation. Each time i try to call and explain the situation they put me on hold for several minutes and i always hang up. I paid my debt, they need to get it off my credit so i can buy a house. Instead, they are being petty.
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (GA)

Not seeing the cards all ready authorized and token to be used not seeing NON OF THEM. AGENTS ARE RUDE OF NON ASSISTANCE ASKED TO SPEAK TO A SUPERVISOR THEY THEY ONLY ANSWER BY EMAIL
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (CA)

VALIDATION AND CEASE AND DESIST Collection agency name : VELOCITY INVESTMENTS LLC Your NAME : XXXX XXXX XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2024-10-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MI)

XXXX credit cards were processed during the last year without my knowledge : CBNA/THD - The Home Depot XXXX  Run on XXXX XX/XX/year> XXXX - XXXX - XXXX XX/XX/year> BEST BUY - XXXX of 2023 I tried to apply for a credit card in XXXX of XXXX for Best Buy and was declined on the premise of there already being an application being processed.
Consumer complaint received 2023-07-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I just received a letter from the Comsumer Financial Protection Bureau. They state that all of my information has not changed. This is because Wells Fargo Auto Finance has refused to cooperate by aski8ng for six months of Bank Statements showing that ; 1 ) I had worked for XXXX XXXX XXXX for 3 years, 2 ) My job title is incorrect for XXXX XXXX XXXX ( and I have the proof of my job title from that company. 
3 ) Wells Fargo Auto Finance failed to ask for 6 months of Bank Statements showing that my deposits, which went Direct Deposit, were accurate, I did not make {$2600.00} a month, and I have no assets of {$1400.00}. 

If they had asked for proof of this, they would never have given out a loan of this size. This could also end up going to court for Elder Abuse via Financial Exploitation. 

I had banked with Wells Fargo since XX/XX/2015, my banking records would have more than shown how much income I earned. I also did not receive the sale paperwork for one month after the sale of this vehicle. A friend went down with me to get the sales paperwork, and we were told it wasn`t ready ( after one full month after the sale ). However, the major mistake was made by Wells Fargo Auto for not asking for visual proof of income. 

Every, and any Loan Company asks for 6 months of bank statements in order to give out a loan of this size. Wells Fargo Auto is fully at fault for not asking for my bank statements for the past 6 months. WElls Fargo Auto is fully at fault.
Consumer complaint received 2023-10-05
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account 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 XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. Upgrade : Acct # XXXX XXXX. XXXX XXXX : Acct # XXXX XXXX. XXXX XXXX  : Acct # XXXX
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

I thought the chase plans were allowing no interest plans all of a sudden but I see that the first one was free but the second one was not free. I was unable to cancel over the phone or by app thus I was told to pay the statement in full to clear this. This should be incorrect and I should have been allowed to cancel any pending plans but ultimately the paying in full resulted in a fee that I did not agree to. 

I am disputing the fee of {$2.00} which I could not cancel or dispute on the credit card. 

I should be able to shutoff the chase plan option on the mobile app due to these deceptive marketing of zero interest plans.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

on XX/XX/year>, I mailed this letter after reviewing my credit report ( XXXX XXXX  ) I noticed some inaccuracies so I sent the dispute. On XX/XX/year> LVNV Funding acknowledged receipt of my letter stating I need to send a second dispute to Resurgent Capital  ( XXXX XXXX ) This violated my rights under FDCPA. I also requested LVNV Funding to cease reporting to collection agency until this matter is resolved, currently they are still reporting. I have never done business with either of these companies and am just asking for the verification requested. ( XXXX XXXX )
Consumer complaint received 2024-10-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MI)

Three credit cards were processed during the last year without my knowledge : CBNA/THD - The Home Depot - Run on XXXX XX/XX/year> XXXX - XXXX - XXXX XX/XX/year> BEST BUY - XXXXXXXX XXXX XXXX I tried to apply for a credit card in XXXX XXXX XXXX for Best Buy and was declined on the premise of there already being an application being processed.
Consumer complaint received 2024-10-23
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. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MN)

This is an ongoing XXXX from previous complaints. The latest is LvNV responded to previous complaint the letter states that a summoned was served on XX/XX/year>. Please provide proof that summoned was received by said party how was it sent what address was the summoned sent to was a signature required and proof of signature signed for summoned. As of today I have not received any summons as the company allegedly reporting. I believe this to be false information on the companys part. Also the letter states that the the amount has been charged off, of amount has been charged off how is there a balanced owed? Where is the 1099c? I also requested proof of validation of debt a copy of original contract and LVNV contract with said signature. As of todays date I have not received validation of the alleged debt or contracts with my said signature. If LVNV can not provide proof of validation and contract with my signed signature this debt needs to be removed immediately. Last complaint ID XXXX
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Recovery Service Incorporated (CA)

I reached out to ARS regarding an account that I found that doesn't belong to me. ARS is debiting my account and I've instructed them to stop all payments as the account they are trying to debit has been compromised. Furthermore I found out that this account is fraudulent and I didn't open it. The used deciptive collection practices to act like I owed this debt which I don't cause I was a victim of ID theft.
Consumer complaint received 2024-10-23
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. (NC)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information accounts Consist of at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, XXXXXXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

This company said I have a XXXX XXXX account debt from XXXX  they have a different ID # they have it as a DL i only have a XXXX  ID. They called me a week ago very aggressive and cursing at me. Now they sent this letter. I spoke with XXXX XXXX and they assured me this is not correct it's a scam. I have a XXXX XXXX account and a cc with them and it's not through XXXX bank in XXXX ... .XXXX XXXX uses visa through XXXX XXXX They are scamming me and they have my social security number which is against the law.
Consumer complaint received 2023-10-28
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. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MD)

My attached letter contains all information, dates, and documentary evidence. 

In short, my lender, Mr. Cooper, continues to use in accurate numbers in its escrow analysis in violation of 12 CFR 1024.17 ( c ) ( 7 ) ( as described in my attached letter ).
Consumer complaint received 2024-10-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (OK)

I have Used Venmo since XXXX. When I created the account I was married with the legal name of XXXX XXXX. After getting a divorce in XXXX I legally changed my name to XXXX XXXX on XX/XX/XXXX. I updated my account to reflect this change of name but they never actually changed my name of the debit card they issued me. 

On XX/XX/XXXX they sent me an email stating my account was frozen & I needed to upload my Driver license. 

After doing so, they responded on XX/XX/XXXX stating my account had been deactivated & the amount balance of XXXX $ would be held for 180days. Once the 180 had expired they would contact me on how to retrieve my funds. 

They simply stated I had violated their user agreements, but wouldnt tell me how I had done so. Or allow me access to my funds after repeated requests.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (PA)

I am writing this today, XX/XX/year> at XXXX ET. As of this writing I have received 4 emails that refer to FORTIVA CREDIT CARD. I have not applied for a FORTIVA CREDIT CARD. I have not given permission for anyone to apply for a FORTIVA CREDIT CARD in my name. 

When I called the number given in the first email, the electronic voice system asked me for my social security number. I was not willing to give my social security number. There was no other option to bypass this request. I would like to attach the emails so that someone there at Consumer Finance protection bureau can see them. 

There are 4 emails sent from XXXX 1. Subj : Consent to Receive Electronic Disclosures Date : XX/XX/year>, XXXX ( ET ) 2. Subj : Fortiva Verification Code Date : XX/XX/year>, XXXX ( ET ) 3. Subj : Fortiva Verification Code Date : XX/XX/year>, XXXX ( ET ) 4. Subj : Fortiva Verification Code Date : XX/XX/year>, XXXX ( ET ) The 1st email had an attachment. I did not click or download the attachment. 
The 2nd, 3rd, and 4th email had different verification codes in them. 
The email included the following message : " Below is the verification code required to confirm your Email Address Contact. '' I did not use any of these verification codes. I did not respond to any of these emails.
Consumer complaint received 2024-10-23
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. (AL)

Ive disputed with Experian, the deceptive collection account from XXXX XXXX XXXX alleging i owe debts in the amounts of {$670.00} and {$430.00} being reported on my Experian credit report. Ive requested Experian and the collection company to verify I owe such alleged debt, it has been well over 30 days for XXXX XXXX to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Experian responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Experian, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DIGITAL FEDERAL CREDIT UNION (CA)

Recently I saw late payments on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2023-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (TX)

I opened a credit builder account with Self. I was making payments on an installment loan for 9 months and I decided to pay the loan off earlier than the payoff date. I was willing to pay the balance in order to receive the sum. I paid the final balance off and was waiting on the payoff to be processed when I received an email stating that they needed to verify some information before they could continue processing my payoff. They asked for a bank statement, my social security number, my drivers license, and a picture of my holding up my drivers license. I sent in the documents and they said that they couldn't take my documents because my license was expired. I called multiple times to speak to a supervisor to explain why my current situation didn't allow me to renew my license and all they could tell me was that until I sent in the " correct documents ', I wouldn't be able to get my money. I also have a secured credit card with them and I asked the supervisor if I wouldnt have to make a payment on my credit card either because they were waiting to verify my information and he told me that I would still be responsible for making the payments on the credit card account but I wouldnt be able to use the card or have access to my money from the installment loan until I turned in the documents. I didn't have to present any documentation when I opened the accounts and I was never asked for any other paperwork while I had the accounts.