davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (TX)

I am unsure if this is the right " reasoning '' but i feel as if GM is being a bit unfair with me. I have had two individual GM Financial accounts for {$70000.00} a piece in the last couple of years. Even though I fell into hard times and had to pay late, I never complained. It was my fault. In XXXX of XXXX, I contracted the XXXX XXXX, and it was as bad as they say. I was XXXX XXXX for a week and XXXX  for 2 more. I was not able to work and therefore was not able to bring home a paycheck and I was late on my payment in XXXX of XXXX. I was last late before that in XXXX of XXXX. That was my fault and I expect nothing for that. In XXXX though, I was very ill, and I paid late because of that, and I paid off my loan that month as well to make sure you got all of yours. 
They said " they are required to report accurate information to the credit bureau '' in the auto response they sent me after i sent TWO letters begging them for help. I know this is true, but not entirely. GM has forgiven late payments in the past. I was able to speak to people, look it up online, and find confirmation of this. I am not sure if they call it forgiving a late payment or if they just recall their " reporting " for that month, but either way, i know they can help me here as they have helped others. All I got was an auto resposne. Seeing as how i have done so much business with them in the past, and could possibly do some in the future, i do not think this is out of line at all. I would like ONE MONTH, either not reported or modified, that is all, and i know they can do it. The month i would like looked at is XXXX of XXXX. I will attach the two letters i sent and what they sent back to me.
Consumer complaint received 2024-05-16
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. (LA)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX XXXX - XX/XX/year>
Consumer complaint received 2024-08-14
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 recently reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and it is my understanding you will investigates these items for me to ensure accuracy. 

Here is the account I am asking you to verify : XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Consumer complaint received 2015-06-16
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am the trustee of my parents estate, my parents had a reverse mortgage with Champion Mortgage. They had a credit line mortgage with no monthly payouts and still maintain XXXX dollars in equity in the home. I contacted Champion Mortgage, in XXXX of 2015, informing them of my mothers death and was told I needed to send a letter of intent and a copy of the death certificate. I sent XXXX by fax, my letter of intent stated I wished to refinance the loan. I hired an attorney who started the legal process of having me put on title. I also faxed a copy of the trust which I had to do several times as Champion stated that not all pages were received. I know this to be false as I had XXXX person there count the pages to me. My attorney had a court date in XXXX of 2015 of which I informed Champion and my attorney sent legal papers to to them. The court date was put off till XXXX XXXX 2015 of which we also informed Champion. I and my attorney received letters of default as of XXXX XXXX 2015. I contacted Champion and was told that the reason I had gone into default was that my trust was incomplete and was misssing page XXXX. I contacted my attorney and she also contacted Champion, and also was informed that page XXXX was missing.My attorney faxed a copy of the trust to their document department, and was told to have me check back in a couple of days. I checked back and they stated that they had not received the trust and the reason for default was that I had not secured funding for the refinance. I told Champion that I had contacted several mortgage companies, and was told that since I was not on title they could not help and to call back. I contacted a mortgage broker and explained my situation and my wife and I met with her. My mortgage broker explained to us that with a foreclosure listed on the property we will be unable to secure financing. I believe that Champion is trying to take advantage of this situation, I have kept them informed of the process and have been working the goal of refinancing the home. Champion new of my court date in XXXX and still filed the foreclosure knowing I would be unable to refinance. I have stated that Champion is still charging a monthly mortgage on the home and also list many fees which I do not understand what they are for. They have fees for inspections and mortgage insurance that I do not believe should be added on. My mortgage broker had me request a payoff, original copy of the note, and list of all disbursements. I contacted Champion and was told to submit in writing via fax, we have not yet received the information.. I have received tons of mail from their attorneys in Texas with the huge postal charge which I assume with added on to the mortgage. 
I have kept Champion Mortgage informed of the process and have followed their instructions all along the way. I can only assume the roadblocks they put up are so they can foreclose on the house.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

These accounts were open fraudulent without my knowledge or consent XXXX XXXX XXXX  XX/XX/XXXXXXXX  {$10000.00} XXXX  XXXX XX/XX/XXXX {$430.00}
Consumer complaint received 2024-08-14
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. (TX)

In XXXX a trip was purchased using XXXX which was subsequently cancelled due to COVID and mandatory quarantine. The original travel agency then credited back the amount of the trip but after reviewing my credit reports I noticed XXXX  then reported collections on XX/XX/XXXX through XX/XX/XXXX ( after I contacted them several times to explain what happened and how the trip was credited back ). Also they reported CO for XXXX XXXX and there after reported collections for XXXX XXXX XXXX 

After having no relief from the crediting company XXXX I filed several disputes with the credit bureau 's and it was not handled effectively, and it resulted in no change on my credit report. 

I am demanding this is deleted from my credit reports after inefficient investigations. They also refused a reinvestigation.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (NJ)

My checking account was first suspended on XX/XX/year>. An account suspension restricts any access to the account funds and blocks any deposits/withdraws/transactions. I believe it was an error as I share my XXXX with my significant other and he might have thought he was logged into his own checking account when attempting to link it to his external account. This is a guess as I did not receive any correspondence to the actual reason. 

This same day I contacted the banks customer service line by phone and was told by the representative I would receive an email explanation of the account suspension within a couple days. I also emailed their customer support directly. The email I later then received was to again contact the customer support line. I contacted them once more and they continued to not provide an explanation to the suspension and to continue to wait. 

I waited for XXXX weeks with no correspondence from the bank. I again contacted the bank by phone and sent an email to their customer service address on XX/XX/year> for a further explanation. They continue to say to wait for an email. 

I requested to have a supervisor contact me regarding the matter. The bank refused. 

I requested a ticket number be created for reference and traceability. The bank refused. 

The bank is being uncooperative, not transparent, and is withholding access to my financial funds for an indefinite period of time. I have no access to my account funds of {$1300.00} to withdraw and have no reason why or for how long. I need access to these funds for my personal financial support and this is a time sensitive matter.
Consumer complaint received 2024-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (HI)

I requested and received an application to discharge my private student loans for attendance at XXXX XXXX  from AES. However, AES says it wants to handle my request outside of the purview of CFPB. Due to AESs known history of making false statements to borrowers of handling issues ( when in reality that was not the case ), I am submitting my application for private loan discharge through CFPB, to properly track and keep AES accountable and to track their response
Consumer complaint received 2024-07-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

Dear CREDIT COLLECTION SERVICE, Thank you for your prompt response to my complaint. I appreciate that you have updated my file to reflect my request to cease all communication regarding this account. However, I would like to address a few concerns based on your response : Validation of Debt : While I acknowledge that you have updated my file to cease communication, my original request for validation of the debt has not been addressed. According to the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F, I am entitled to receive detailed information regarding the alleged debt, including the original creditor, the original account number, and any supporting documentation. Please provide this validation as requested. 

Reporting Prior to Regulation F : Your response mentions that the account was reported before the effective date of Regulation F. However, the requirements for debt validation and accurate reporting are not solely dependent on Regulation F 's effective date. The FDCPA and other applicable regulations still govern the accuracy and validity of information reported to consumer credit agencies. 

Documentation Request : I also requested specific documents, including the purchase agreement between CREDIT COLLECTION SERVICE and XX/XX/XXXX, proof of licensing and bonding in Illinois, and a certified mail receipt if applicable. Please provide these documents as well to fully address my concerns. 

Cease Communication Request : While I appreciate the update regarding the cessation of communication, the resolution of my complaint is contingent upon receiving the requested documentation and validation of the debt. 

Please provide the requested information at your earliest convenience. If you are unable to furnish the necessary documents or validation, I kindly request that you remove the collection entry from my credit report. 

Thank you for your attention to these matters. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-14
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. (IL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX and I have not yet received a response.
Consumer complaint received 2024-08-14
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. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-04
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. (SC)

*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-30
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. (FL)

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.

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 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (LA)

XXXX and Jefferson Capital is in violation of 15 usc 6801-Protection of Nonpublic Personal Information financial institutions have a duty to insure the security and confidentiality of customer records, protect against threats of security, and to protect against use of such records or information which could result in substantial harm or any inconvenience to the customer. Each Financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' Nonpublic Personal Information. According to 15 USC 6802-Obligations with respect to disclosure of personal information ; a financial institution may not directly or through any affiliate, disclose to a non-affiliated third party any Nonpublic Personal Information unless such financial institution provides to the consumer a notice that complies with 15 USC 6803 . In general a financial instition may not disclose Nonpublic Personal information to a non-affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing, in electronic form, or other form permitted by 15 USC 6804, the consumer is given the opportunity, before the time thay such information is initially disclosed, to direct that such information not be disclosed to such third party, and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. According to 16 CFR 313.4 financial institutions must provide a clear and conspicuous notice that accurately reflects privacy polices and practices to a consumer before you disclose any non public personal information about the consumer to non-affiliated third party. 16 CFR 313.7 states financial institions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose Nonpublic Personal information about the consumer to a non-affiliated third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right. A complaint will be filed wi the consumer financial protection bureau which is the authority who enforces 15 USC 6801-6805. The Privacy Act of 1974 prohibits the disclosure of a record about and individual from a system.of records absent the written consent of the individual. XXXX and Jefferson Capital are hereby orders to compensate me in the amount of {$25000.00} each for violations of my privacy rights and use and transfer of my Nonpublic Personal Information without my written and express consent.
Consumer complaint received 2024-01-30
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. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MUTUAL OF OMAHA MORTGAGE, LLC (WA)

Dear CFPB authority I have been making extra payments to Omaha Mutual Mortgage Company from XXXX until XX/XX/XXXX. When they were selling mortgage to XXXXXXXX XXXX, they raised mortgage payment saying there is escrow shortage. I always paid XXXX to {$70.00} more each and every month. There can never be eacrow shortage. They said they paid principal. But I couldn't see payments anywhere in their analysis. 
I tried to solve the issue with them. But they just deny and insist the wrong calculations. 
I am providing screen shot of monthly payment of {$1400.00} a month. Payment was about {$1300.00}.