davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (NC)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (CA)

Contacted Loan Depot Loss Draft Department on XX/XX/XXXX. Was told by Loss Draft Department that a check would be issued for XXXX. Total funds sent to Loss draft by myself, we're approximately XXXX. Total loss amount for claim is exceeding XXXX, and Insurance has only issued partial payment. All required documents have been sent to Loan Depot. 

On XX/XX/XXXX, request callback from manager. Was told 48 hours. Also was told that a restricted escrow account does not accrue interest on CA account. I, customer, sent in prepaid 2nd day air label to insurance portal to expedite mailing of funds check to get construction started. My date of loss was XX/XX/XXXX. 

Spoke with XXXX from XXXX, MI on XX/XX/XXXX. XXXX advised me a check was issued for XXXX. Asked why his colleague advised me something different. Had no response. I asked XXXX why I hadn't received a callback from a manager within the promised timeframe. XXXX said " we don't provide timeframes for a supervisor call back ''. He had no response as to why his colleague made that promise. Also asked about whether check would be sent using my shipping label, as it had been approved in the portal 48 hours prior to my call with him. He said " I don't know ''. 

My loan is transferring servicers effective XXXX. I am trying to get these initial funds released prior to the transfer, so the money that is rightfully owed to me can not be stuck in limbo for 45 days. I have been punctual, cooperative, and understanding of the policies required for this process. However, I feel Loan Depot is not upholding their end of the bargain. I would like all the funds released to me from the restricted escrow. It is apparent form the loss estimate provided by my insurance and my contractor, that this project will significantly exceed the XXXX in the account currently. Loan Depot is too incompetent to recognize that and release the funds prior to the transfer of servicing.
Consumer complaint received 2024-09-12
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. (OH)

I explained in my letter I have no record of doing business with any accounts mentioned below under Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (WA)

On Wed, XX/XX/XXXX, I applied online for Upgrade 's XXXX and Rewards Checking account. My application ( which DID NOT ask for my social security number for some reason ) was denied. One of the reasons was " delinquent payment of an installment. '' I DO NOT HAVE any installment plans, loans, etc. 

I called Upgrade to get the phone number of XXXX who supposedly provided my credit report. XXXX confirmed that there are NO DELINQUENCIES of any kind on my credit file. They also confirmed that there was no inquiry from Upgrade on the date in question nor did I receive an email from XXXX confirming the inquiry as is the norm. Additionally, I've had longstanding fraud alerts with all 3 credit reporting agencies and no one called me to verify if I had applied for Upgrade 's credit line XXXX. Furthermore, my XXXX  score is over 800 and I make $ XXXX. There is no reason my application should have been rejected. 

The only conclusion to be drawn from this is that Upgrade received a credit report from another individual, not mine. 

I spoke with Upgrade 's reps who were sympathetic and understanding and also admitted that they have heard of similar problems from other applicants. But there was nothing they could do except tell me to apply again. That is a waste of time. 

I want an empowered Upgrade employee to call me who will obtain a proper credit report and figure out a way to open the XXXX and Rewards Checking with {$200.00} cash bonus.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I had an account with Bank of America before. Someone I didnt know sent me a fake check, and we deposited it into the bank. A few days later, my account was closed and deleted without telling me. Once it was discovered that the check was fake, the bank not only closed my account immediately but also deleted it from their system without informing me. There was no actual fraud involved, only the check turned out to be fake. 
And around {$270.00} of my money is gone! 

Additionally, as far as I understand, the bank directly deleted my account from the system so that I wouldn't file an official complaint, which is why the past transactions in my account are no longer available at the bank. I was not informed about this situation in any way. 

As soon as the check was identified as fake, I reported it to the police the same day, and I have an official police report. I am the victim in this situation, but since the bank closed my account without notifying me and reported it to the credit agencies, I am now unable to open an account with any bank. Could we work together to resolve this issue? 

Thank you in advance. Best regards.
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: Experian Information Solutions Inc. (GA)

I want to address my concern about a company improperly using your credit report by buying a debt and sharing your information with a different agency, i want to focus on two main laws : the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

15 USC 16 81 section 6028 states I have the right to privacy 15 USC 16 81 section 6048 section 2 it also states of consumer reporting agency can not furnishing account without my written instruction.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of conviction of crime, which antedate the report by more than seven years.

15 USC 16 81 section 281 a person shall not furnish any information relating to a consumer to any Consumer reporting agency, if the person knows or has XXXX to believe the information is inaccurate.

1. Fair Credit Reporting Act ( FCRA ) : - Argue that the company may have violated the FCRA if they accessed your credit report without a permissible purpose.

- Emphasize that debt buying alone doesn't automatically grant permission to access credit reports.

2. Fair Debt Collection Practices Act ( FDCPA ) : - Point out that sharing your personal information with another agency might violate the FDCPA 's restrictions on third-party communications about your debt.

3. Consent and notification : - Highlight that I weren't properly notified about the transfer of your debt or the sharing of your information.

4. Data privacy laws : - Depending on your state, there may be additional data privacy laws that protect your personal information.
Consumer complaint received 2023-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK (NY)

The bank is not providing the minimum number of days grace period from date statement is received and from when it is due. 21 days is understood to be minimum. Average minimum Im given is 10 days. 

For XX/XX/2023 the bill is due XX/XX/XXXX. XXXX was received today XX/XX/XXXX. 

This is not legal and discover has been contacted and has done nothing to resolve this.
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: Experian Information Solutions Inc. (SC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I furnished all the above information to Equifax, XXXX and XXXX and mailed and delivered it to them on XX/XX/2023. According to the law they should have all deleted every report I made in the identity theft report which I will attach. Only experian have done so. XXXX and Equifax have yet to delete it and its way past the 4 days.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/year> I applied for and received a credit card balance transfer from XXXX XXXX XXXX XXXX ( XXXX  ) to my Wells Fargo Visa Credit Card ( WFVCC ). 
The Balance Transfer transaction was approved and I was told to allow 5 to 10 business days for the transaction to be sent to Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX, IA XXXX. I received a letter from XXXX stating the payments were sent as of XX/XX/year>. 

Payment was not reflected on my WFCC on line balance sheet. When Wells Fargo was contacted, they stated that the payment had to go to Wells Fargo Credit Card, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Wells Fargo Bank also expressed that XXXX should be notified to stop payment on the checks to WFCC in XXXX XXXX, IA. XXXX was notified and they issued a stop payment ; then re-issued two checks to the WFCC Office. 

On XX/XX/XXXX, the Wells Fargo on line statement reflected a deposit placed into my checking account, with only a small portion open to pay on my XXXX account on the XXXX of XXXX. The balance would be available on XX/XX/XXXX. On XX/XX/XXXX at XXXX, I payed on my WFCC Visa Account. account. On XX/XX/XXXX at XXXX, WF Bank had declined the XXXX Payment, and placed my WF Bank account in overdraft, thus depleting it's balance. 

On contacting XXXX, they showed no problems with the transactions. In contacting Wells Fargo, they had not expressed any reason for rescinding the payments that placed my checking account into an overdraft.
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (MD)

I originally signed a contract for a revolving personal line of credit with XXXX on XX/XX/XXXX. I used this to pay down my credit card balances and had an APR of 14.90 %. XXXX never reported this credit line or any of the information regarding it to the credit bureaus so it never had a positive or negative impact on my credit score. Up until the account was transferred to Systems and Services Technologies ( SST ), the account was completely up to date on payments. 

After XXXX closed, I received new details about the balance I owed from SST which were completely different from the original financial product I signed up for. On XX/XX/XXXX I called into Systems and Services and requested my original contract from XXXX which confirmed that I signed up for a personal line of credit, not a fixed personal loan. SST sent me details for a fixed rate personal loan at 15.00 % with a fixed term of five years and a monthly payment of {$93.00}. I never signed a contract agreeing to those terms and I never requested for my line of credit to become a personal loan with a five-year term. I'm pretty sure this violates the Truth in Lending Act considering that this is a bait-and-switch. My interest rate is now higher than it was before, even though the federal funds rate has dropped by 0.50 % and my monthly payment is now higher than what I was paying before. I was given no options ahead of this change to choose repayment terms for my remaining balance with XXXX. 

I called in to SST today ( XX/XX/XXXX ) to discuss my concerns and ask if it was possible to file an investigation into the account to correct the issues. When speaking with supervisor XXXX XXXX she refused to file an investigation or complaint after I pointed out the multiple discrepancies. She insisted that the information was correct and could not be changed despite having the information from both contracts available. I spent over 42 minutes pointing out the sections of my original contract versus the information that SST has listed. This is an extremely deceptive lending practice and should not be allowed based on the federal consumer lending laws that are in place. And refusing to file an investigation into incorrect information that could impact my credit and finances is obstructive. 

In addition to the incorrect information they have regarding the account, they have also contacted me twice daily every week day for a total of 10 calls in one week which is in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My check began to be garnished in XXXX and the amount was paid off in full in XXXX. I contacted my lawyer about not receiving the letter I needed to provide to my HR to stop garnishing my check. The lawyer spoke with them and said they sent it to the wrong address. I called and spoke with someone at PORTFOLIO RECOVERY ASSOCIATES , LLC, and they informed me that they already had my current address before my lawyer called them to correct my address and was sure why they sent it to the wrong address. I still haven't received the letter for the PORTFOLIO RECOVERY ASSOCIATES , LLC,.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

XXXX Account # XXXX, I just viewed my credit report and notice that an item was turned into a charge-off. I never received a 1099 and was wondering could you please send me a 1099 for the alleged item that is reporting as a charge-off on my credit report.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC (DC)

I initially took out a loan of XXXX dollars XX/XX/year>, after my father had a XXXX and I lost my Job. 
Eventually, I found out that the loan I have has over a XXXX percent interest rate, which seems to fluctuate depending on the documents I read. 
I have made payments of {$130.00} dollars twice a month based on my pay schedule for over a year on time, and I am not even halfway through the repayment process. 
After speaking with an agent today, I found that I have paid over XXXX dollars, and owe XXXX more.
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: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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
Consumer complaint received 2024-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I have federal student loans serviced by MOHELA. Several years ago before my servicer was changed to MOHELA, I submitted paperwork to waive any and all deferments or forbearance and ensure that every month would count towards PSLF. MOHELA apparently lost this paperwork in the transfer, and I had to spend several months and complains with the CFPB to get it fixed. I was finally assured that my paperwork was once again in place so that any forbearance or deferments would be removed and that every month would count towards PSLF both retroactively and in perpetuity unless I explicitly requested otherwise. 

However, in XXXX of this year I once again received notification that I was taken out of the income based repayment plan I've been on and placed into forbearance. I did not request this and it is contrary to the paperwork I previously submitted. MOHELA has not even responded to my numerous attempts to contact them to fix this egregious error that has gone of for 3 months now. 

MOHELA needs to immediately put me back on the income based repayment plan, retroactively remove any forbearance and/or deferments on my accounts, retroactively apply credit towards PSLF for any months I was incorrectly in forbearance or deferment, and fix whatever problem is preventing them from keeping my waiver in place as they should be. 

I have expressly given MOHELA permission to share my information with the CFPB and communicate about this issue. Any response that claims they can not do so means that they have not actually read the information in this complaint and are once again failing to do the most basic tasks of their job as a loan servicer.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: RMA Credit Association (TX)

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, 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)

In accordance with the fair report 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 I # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 furni instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of cr 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 person knows or has reasonable cause to believe that the information is inaccurate.