davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I previously had a mortgage in good standing for years. Then I applied for a loan payment forbearance then a loan modification which was eventually approved. I was advised by the mortgage lender during this four months process that everything was okay with my credit it I was lied to. Despite being in constant communication with my mortgage lender during this period and being approved for a loan modification, they were reporting four months of late payments which has never been corrected. During the last few weeks of this four months process I received an inheritance and paid my loan off in full yet flagstar bank has never corrected my credit report. These incorrect late payments on my credit report has affected my XXXX credit score tremendously negatively. I even reached out to them in writing again about this past week and was denied. 

Please correct my credit report by removing all late payments from flagstar bank as soon as possible please.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (IN)

It is showing in my credit report that Im delinquent on a home which I signed over to my ex years ago. It is no longer in my name and hasnt been for years.Since 2006. I would like this deleted off my account. It is over XXXX. I sent a letter to the company.
Consumer complaint received 2024-01-02
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CO)

Dispute Debt Collection Letter XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Dear Collector I was notified by your company on XX/XX/2023 regarding an alleged debt and harassed for XXXX  by phone call that I am going to be subpoena to court for an alleged debt. The statutes of limitations for a debt with a bank in XXXX is XXXX  years. Do to Covin-19 I have been living in a XXXX  and have financial hardships. 

I request all the following information be provided to me by mail. Then amount of the alleged debt. The full name and mailing address of the original creditor for the alleged debt. Documentation showing you have verified that I am responsible for the debt. Documentation showing you are licensed to collect debts in Colorado. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-01-02
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. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

A credit card was opened in my name without my knowledge or consent.

Account number:XXXX  Open Date opened XX/XX/year> I have filed a FTC report along with disputing the account with the credit bureau XXXX 
My address is XXXX XXXX XXXX XXXX Al XXXX My name is XXXX XXXX. 
I have attached a copy of my FTC report and a copy of my driver 's license showing my address.
Consumer complaint received 2024-01-02
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. (TX)

I have written multiple letters disputing 2 collection accounts on my credit report and have asked them to send me validation, not just verification and they refuse to send me any proof of these accounts and these accounts that are in collections are also not sent me any validation proof, but they keep reporting to my credit report.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (MD)

For the past few months Ive been receiving what I thought was phishing / spam texts about money owed. It turns out money has been taken out of my account on several occasions. When I addressed this issue I was told they do not have a contract nor do they send physical bills and that someone would call me within 48 hours. That never happened and Today I received another harassment text message stating that that account was past due. I do not owe nor own the debt in question and I wish for them to credit all of my securities back to me and cease and desist communications with me.
Consumer complaint received 2022-11-23
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (OH)

XXXX XXXX has requested on several occasions indirectly and directly to XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX that this XXXX kia XXXX already had a dispute in process around XXXX XXXX spoke to this agency that was a debt collection/bank or finance institution in XXXX GA that was a representative XXXX XXXX XXXX XXXX kia of XXXX XXXX Ohio and kia finance in XXXX ga ... XXXX ' XXXX was engine failure, hard to start sometimes, less acceleration, all still under warranty, slow take off, running rough,. windows malfunctioning.so of course it was returned to kia diagnosed that the mechanics found metal shavings within the oil pan. Vehicle returned 18 days later, without my consent or informing me of the options. consumer completely dissatisfied.MR hall held on to the payments because i wasn't receiving the proper feedback as to satisfying the customer first..85 days behind, repossed and illegally and sold with all consumers property still within the vehicle... this was a consumer credit transaction and under the magnunson-moss warranty act, XXXX act 'and backed by the cfpb ccpa, i consumer hall, XXXX am demanding my down payment of XXXX $ and all violations that has truly been a horrible experience.Consumer is also demanding the return of my insurance.premium that is due to consumer..
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX  we received a letter of denial for car loan! They said they pulled my credit and the number came back as XXXX from XXXX XXXX. So, i called XXXX XXXX and they said we didn't send over a XXXX score! We called Navy Federal credit u back and asked them again where u getting that number when XXXX XXXX says something totally different? Navy federal credit union says they can't help me take it up with XXXX XXXX! So I sent a copy of my score and haven't heard back from them yet!
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I submitted a dispute with experian and I constantly get stall letters and they are not fair I submitted all correct documents and I submitted them myself and the send stall letters stating that they don't believe I sent them and I did send them myself
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I submitted several disputes to XXXX and experian and I keep receiving these stall letters stating that it don't look like I submitted them and that it looks like a third party had submitted my information I tried calling XXXX and all I got was more stall tactics and the representative continually tried to get me to dispute with them and refused and they just hung up I haven't hired any one to fix my credit I submitted all my information myself and I just want them to do their job and stop playing with my credit and livelihood.
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

Hello I'm a victim of Identity theft my information has been compromised when XXXX had the data breach my information was exposed I've tried repairing my credit about 3 times since the data breach took place and to no avail someone manages to get a hold of my information opening up credit cards in my name, I was told to freeze my account however once I unfreeze it my information is exposed again. I have a debt collection agency by the name of XXXX XXXX XXXX XXXX trying to sue me for {$4400.00} opened XX/XX/XXXX I've never done business with these people ; XXXX XXXX is also saying I owe {$2000.00} for a credit card I've never had or used, XXXX XXXX XXXX {$410.00} opened XX/XX/XXXX I don't know this creditor, XXXX  XXXX  {$1000.00} Opened XX/XX/XXXX I don't know this creditor, XXXX XXXX {$3400.00} XX/XX/XXXX I don't know this creditor. These collections that have been identified on my account are hurting my credit score severely. I haven't spoken to any of these agencies as of yet except for XXXX XXXX  because they are trying to sue me for something that I didn't partake in. I do plan on disputing these collections on my credit report. 
This is very draining and time consuming and it's giving me XXXX  constantly dealing with this day in and day out trying to repair my life from identity theft
Consumer complaint received 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (CA)

Between the dates of XX/XX/XXXX and XX/XX/XXXX, I made payments of {$3900.00} toward my student loans ( {$800.00} of this amount was made during the COVID forbearance that ended XX/XX/XXXX ). Based upon my payment scheduled, I was only required to pay $ XXXX/month or a total of {$630.00} based upon my payment schedule. When it was announced that borrowers who have made over 20 years of payments qualified for loan forgiveness, I called AidVantage on XX/XX/XXXX and again on XX/XX/XXXX to ask that any difference in what was paid for that time frame versus what was owed be refunded prior to loan forgiveness ( Roughly {$3200.00} ). Yet, AidVantage failed to even start, much less process my request. Each time I have called, I am placed on hold for hours, over XXXX hours on multiple occasions, by customer service agents who work from home where you often hear children crying or screaming in the background while they " supposedly '' are talking with a supervisor for information. AidVantage is failing consumers/borrowers! They make you rely upon what their rep is documenting in notes, refuse to send verification via email of the conversation, and then take the stance that the conversation never took place on the call when you follow up at a later date. The Federal Government needs to fine them for their lack of professionalism that is costing borrowers/consumers thousands of dollars. Are their reps even doing their jobs ... or are they putting consumers on hold while they tend to children, eat lunch, operate a second job, shower??? This practice needs to stop immediately. In my case, because of their willful neglect in documenting my request, I am now told that they were notified that my loan was forgiven on XX/XX/XXXX and they have no proof of my conversation back in XXXX so it is too late to process a refund. Assistance holding AidVantage accountable is needed. The one and only refund I received was for {$210.00} for a payment I made on XX/XX/XXXX. According to AidVantage, they only have to oblige to XXXX refund request and the {$210.00} was it. This sounds good for them ; however, I couldn't have made a refund request on XX/XX/XXXX or XX/XX/XXXX for a payment I didn't make for XXXX days after that date. Clearly deceptive practices.
Consumer complaint received 2024-05-04
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. (TX)

I am writing to bring to your attention an issue regarding the reporting of an account associated with XXXX XXXX XXXX XXXX XXXX XXXX, Account Number # # XXXX. Upon reviewing my credit report, I discovered that this account has been reported in violation of the Fair Credit Reporting Act ( FCRA ) XXXX, specifically re-aging violation. 

It has come to my attention that this account has been incorrectly reported, and its status has been misrepresented. According to FCRA XXXX, re-aging of accounts is prohibited, and it is imperative that accurate and fair reporting is maintained. 

Furthermore, it has come to my attention that reporting a closed collection is illegal. As this account has been closed, it should not be reported as an active collection. Therefore, I kindly request the immediate removal of this account from my credit report. 

I appreciate your prompt attention to this matter and request that you investigate and rectify the inaccuracies in my credit report. Please inform me once the necessary actions have been taken to delete this account from my record. 

Thank you for your cooperation and understanding.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

Today XX/XX/year> around XXXX EST I was notified that my account is restricted. I immediately called & during the call I was asked a few questions about a check I deposited on XX/XX/XXXX. I had explained how O had already called earlier that day because I was notified that the check cleared but when I logged in I saw the funds were reduced from my balance not added. I proceeded to respond to all the questions promptly & asked when can I expect an update or for the restriction to be lifted. I was told there is no time frame at all, that I successfully responded the questions & it would be submitted for review but no time frame. I proceeded to ask if it was logic to provide no time frame, i have no access to my funds. I asked if it is normal to just wait & if it could take weeks, months or days, the agent responded again that they cant provide any time frame the answers would be submitted & that if could take months or weeks. I promptly provided all the information requested & just want to clear the issue & have access to my account & money.
Consumer complaint received 2024-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged FXXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

I accidentally made XXXX payments for the XXXXXXXX XXXX XXXX so I XXXX contact XXXX XXXX it gave me XXXX numbers i called XXXX beginning with XXXX i followed the steps the guy was asking me to do he requested me to download this app called rvnc server and i did he did a live broadcasting so that he could see my screen and the transaction instead of helping me get my money back he was taking my information and taking money from my account through something called XXXX
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (KS)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I have collections and inquiries on my credit report that I have no ties to and need them removed as soon as possible. I have Collections XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 16815-2 ( AX1 ) 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.