davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

Subject : Request to Enforce Financing Transaction  under HJR 192 and Relevant Legal Provisions To Whom It May Concern at Ally Bank, I recently received notification regarding the denial of my credit application for the financing of a XXXX XXXX XXXX. This letter serves to formally request the enforcement of the financing transaction based on the following legal grounds : XXXX. HJR 192 ( 1933 ) : Under this resolution, all debts and obligations are payable in legal tender of the United States. This provides individuals the right to discharge debt obligations with lawful money, thereby prohibiting the compulsion to pay in any specific form of currency. 
XXXX. Uniform Commercial Code ( UCC ) : Specifically, UCC 1-207 and UCC 1-308 allow individuals to reserve their rights when performing under a contract without prejudice to those rights. By using my Social Security Number ( SSN ) in the credit application, the transaction involves a non-negotiable instrument, which compels Ally Bank to recognize and process the transaction under these terms. 
XXXX. Code of Federal Regulations ( CFR ) 12 CFR 226.13 ( Regulation Z ) : This regulation outlines procedures for resolving disputes related to credit transactions, providing consumers with protections against erroneous credit decisions. 
XXXX. Non-Discrimination : Basing the financing decision solely on my credit report constitutes discrimination. Under federal law, specifically the Equal Credit Opportunity Act ( ECOA ), I have the right to be evaluated on factors beyond just the credit report, especially when negative items are present. 

As such, I assert my right to have this financing transaction processed and approved. I reserve all rights and remedies available to me under the UCC and CFR. Furthermore, I demand the transaction be reconsidered in light of my rights under HJR 192 and the recognition of my SSN as part of a non-negotiable instrument. 

Attached Documentation : XXXX. Images of the denial letters indicating the credit scores and reasons for the decision. 

Please inform me of the necessary steps to proceed with the approval of this financing transaction. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WV)

Mohela transferred my account information to their new servicer website and now all of my previous payments are erased from their previous website and their new one. I plan on using XXXX after 120 qualifying payments and I worry that I just lost credit on approximately 3 years worth of previous ones.
Consumer complaint received 2023-07-02
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: Credit Corp Solutions Inc. (MD)

On XX/XX/XXXX I attempted to retrieve information from a reporting company i have no knowledge of that reporting a charge off on my credit profile. The company updated my credit report which manipulates the statute of limitations as well as never produced the proof of this alleged debt. Thus violating 15 USC 1692 ( e ) false and misleading representation and 15 USC 1692 ( f ) Unfair practices. Credit Corp is the company that is violating my rights to privacy under the Privacy Act of 1974 due to not providing the evidence of myself and the company doing any business together and possibly acquiring my personal information illegally. Also, violating federal law 15 USC 1681 not reporting information that is 100 % accurate. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, i can only presume that no proof of the alleged debt or any debt means no debt exists. Please remove this charge off from my credit report immediately because it is damaging myself and my families well being. Credit Corp charge off.
Consumer complaint received 2024-06-04
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. (NJ)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (OR)

I received a hard credit inquiry on my credit report from Wells Fargo checking my credit for a credit card application on XX/XX/year>. I am not looking to open a new credit card at this time. I did not consent to this credit card/hard credit check. I do not know the amount of the requested credit card and I do not know who requested the credit card. 

I called Wells Fargo on XX/XX/year>, they told me I needed to contact my main bank, XXXXXXXX XXXX, and ask them about what is going on. Wells Fargo said they had no account with me. 

I called XXXXXXXX XXXX on XX/XX/year> and notified them of my situation. They created a dispute and connected me to their fraud department. I then placed a fraud alert on my credit, and placed a freeze through the XXXX credit reporters.
Consumer complaint received 2024-07-19
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: EQUIFAX, INC. (FL)

I am writing to dispute the inaccurate reporting of late payment on my credit report, specifically concerning the account referenced with Name : XXXX XXXXXXXX XXXX  # XXXX Date Opened XX/XX/XXXX, Date of Last Activity XX/XX/XXXX, Credit Card upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned asepuns are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this acepunt on time, in ascordance with the agreed-upon terms. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late based on the timely payments made. it is imperative that my credit report accurately represents my financial responsibility and commitment to mesting payment obligations. I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. if, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as Paid AS Agreed Never Late. ' Per the FCRA, 1 request that you conduct a timely investigation and provide a written response within 30 days frow the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation.
Consumer complaint received 2024-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I have federal student loans being serviced by Mohela. Early last year, I took a lower paying job, providing care to veterans in a high-needs area. One of the incentives was that my employer ( the VA ) would refund most of the student loan payments I made. The time has come to submit my student loan payment history to the VA ( on a piece of paper from my loan servicer, with my name, account number, and last 12 months of payments ) so I can get reimbursed ( I pay almost {$1000.00} monthly, so this is a significant amount of money on the table ). Mohela 's website no longer has my payment history from before the website relaunch- they only have XXXX payments : from XXXX and XXXX. I contacted them through email in XXXX, and they redirected me to the part of the website I already claimed did not have my history, and they also told me to check XXXX website. However, the XXXX website has not been updated since XXXX, so it is missing XXXX through now, and they know this. 

I've called Mohela multiple times. Back on XX/XX/XXXX, a customer service agent told me she had my history there but couldn't tell me which payments it included, but she would mail it out that day. Two weeks later, I never received the mail, so I called back. The new agent told me that the information I received was false, and that the request was under a 10-day review period. Both agents confirmed that this would be all my payment history. By XX/XX/XXXX, I used a special " military and VA employee line '' for Mohela that got me to an agent that stated the request ( still being reviewed ) would have only included my payment history up until the website shut down in XXXX, so it would NOT have my payments after XXXX, and that she still didn't know how to get me that information. 

My partner now lives in another state ( as of XXXX ), so I must leave my XXXX XXXX  soon, as it is over an hour from my home. However, if I leave before this is settled, I will lose about {$10000.00} that was part of the compensation package for taking such a high-need, lower-paying job. I still can not get this basic information : A letter from my servicer with my name and account number, showing my last 12 months of payments ( from XX/XX/XXXX to XX/XX/XXXX ). I can get this information for my cell phone bill, my music streaming account, my mortgage, but it's no longer possible with Mohela, so I stand to lose thousands of dollars over a simple tech error.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Commencing on or about XXXX XXXX 2023, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Through the physical verification of the original signed consumer any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX ACCOUNT XXXX In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. 
Under feral law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days or the completion of your re-investigation. 
Thank you, XXXX XXXX
Consumer complaint received 2024-07-24
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: Conn's, Inc. (FL)

Throughout the first half of XXXX, I attempted to reach out to Conn Appliances Fraud Department regarding a potentially fraudulent or incorrect account on my credit report. Conn Appliances Customer Support refused to provide any information surrounding the account and referred me to the fraud department. The fraud department has not answered/returned my repeated calls or messages over the course of several weeks. I filed a dispute, but it was denied after 3 months of investigation. A second dispute was denied after less than a week. There are five total accounts opened on XX/XX/XXXX - XXXX of 2023. The accounts total roughly {$7000.00}.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

Hello, I was charged multiple return payments that i don't authorize and did not made or scheduled so my account is overdrawn because of the fees that was charged and multiple unauthorized transactions from merchants that i did not made its very frustrating and stressful please help me resolve this issue with discover credit card thank you for your help i appreciate everything. 

Thanks, XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I need your help with this incorrect account showing up on my credit report. I have brought this to your attention because it has been damaging to my reputation, and I urgently require your assistance. Due to your mishandling of my credit report, the incorrect information has ruined my reputation. It's imperative that these mistakes are corrected so I can live a normal life with my family.
Consumer complaint received 2024-08-16
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. (MS)

This is the 9th time and it's still inaccurate and incomplete information this account is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the XXXX report. Equifax don't even have payment history XXXX showing no payment history. XXXX has this account as an collection equifax and XXXX as this account as a charge off. Remove this account immediately!! 
So XXXX has failed to complete the inaccurate and incomplete information. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am writing to formally request the removal of the bankruptcy information listed on my credit report. I have reviewed my credit report and have identified that the bankruptcy entry is either incorrect. According to the Fair Credit Reporting Act ( FCRA ), it is my right to dispute information that is inaccurate, incomplete, or unverifiable. The specific reasons for my dispute are as follows : The bankruptcy information is incorrect and does not pertain to me.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute these accounts. It was opened without my knowledge, authority or consent. 

XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX Dear Sir/Madam, I am writing to dispute the inaccurate and incomplete reporting on my credit report, which I obtained from your agency. After reviewing my credit report, I noticed several discrepancies in the reporting of late payments on my XXXX account. These inaccuracies are in violation of my consumer rights as outlined in 15 USC 1681. 
Account Information : Account # : XXXX Account Type : Mortgage Bureau Code : Individual Account Status : Open Monthly Payment : {$1800.00} Date Opened : XX/XX/XXXX Balance : {$270000.00} No. of Months ( terms ) : XXXX High Credit : {$280000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Discrepancies : 1. Late Payment Reporting : The credit report indicates late payments on my XXXX account, which are inaccurate. I have never been late on my payments. The reporting of these late payments is misleading and does not reflect my creditworthiness accurately. 
2. Incomplete Reporting : The reporting of late payments lacks detailed information such as the dates of the alleged late payments and the amounts overdue. This incomplete reporting makes it difficult for me to address and rectify the issue effectively. 
3. Missing Information : The credit report fails to provide any specific comments or explanations regarding the late payments, further complicating the matter and impeding my ability to dispute these inaccuracies. 
4. If you noticed your reporting is inconsistent with Equifax and XXXX. Its being reported correctly in the other two credit bureaus as on time/Pays as agreed I request that you conduct a thorough investigation into these discrepancies and promptly remove any inaccurate or incomplete information from my credit report. Additionally, I expect to receive a written response detailing the results of your investigation and any actions taken to rectify the errors within the time frame required by law. 
Please be advised that I am prepared to take further legal action if necessary to ensure that my consumer rights are protected and that my credit report accurately reflects my credit history. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely XXXX XXXX
Consumer complaint received 2024-06-13
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. (VA)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (OH)

This is my fifth complaint against these people yet nothing is ever done about it. Im writing again due to three charges on my credit card account that i need credit for two were fully returned to the merchant and the other one was a cancelled order..first Home Depot in the amount of {$180.00} i had placed severall orders with Home Depot one of which was cancelled due to supply issues. The order was cancelled i never recived the merchandise but was told that a refund would be issued which it never was. I have sent documantation over severall times only for Apple card to say i didnt submitt enough documantation. What more do they need i sent the svreenshot showing the order was cancelled. The second order in the amount of {$170.00} from XXXX I uploaded documents showing that the merchandise was returned to XXXX and that they refunded me but on my apple statement it shows refund denied. The third charge {$240.00} the merchant issued a partial refund of {$210.00} but not the whole thing i returned the whole order back to them. I nedd the remaning balance refunded back to me.
Consumer complaint received 2024-09-16
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: HYUNDAI CAPITAL AMERICA (FL)

I HAVE BEEN TRYING FOR YEARS TO CLEAR THIS ACCOUNT UP AT NO TIME DID I EVER SIGN OR ENTER INTO ANY AGREEMENT WITH THIS COMPANY. THIS ACCOUNT IS FRAUD AND I NEED THIS CORRECTED
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (PA)

XXXX stated that they sent me a communication sometime in XXXX about this alleged debt. They said they sent it via email. I do not believe them. I have since asked them to prove they sent the communication to me i.e provide a copy of the message they sent me but they have just decided to ignore me.