davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MN)

I was sent a collections letter for a debt that isn't mine. I contacted Paypal directly, but they didn't have any accounts associated with me. I sent XXXX a letter ( XXXX response letter ) informing them this is not by debt. They returned a letter with purchases I did not make and an email account that is not mine. I contacted Paypal collections again with the information and informed them this is not my account and I have reported the identity theft. XXXX has again sent another collections letter trying to collect an increased amount.
Consumer complaint received 2018-05-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: GL Financial, Inc. (GA)

On XX/XX/XXXX I hit a deer on my way to work which cause severe damage to my vehicle which is a XX/XX/XXXX XXXX XXXX. My fianc and I Insurance company XXXX said the damage was severe and the vehicle was a total loss. The vehicle was fianace with GL Fianacial in XXXX Georgia for 26 months I purchased the vehicle on XX/XX/XXXX. I had only 7 months left on the contract. Due to the vehicle been total my balance would decrease due to been paid out 7 months earlier due to the vehicle been a total loss. XXXX issued a check to GL Financal for {$5200.00} on XX/XX/XXXX. Once the payment was sent I contacted GL Financial and spoke with Several managers two names I remember was a XXXX XXXX and XXXX and I spoke to XXXX XXXX supervisor about my account. I ask for documents on my account. I ask for to show if I owe any money after the payment the insurance company payment. XXXX and XXXX refused to give and documents and wanted me to just take there word. I explained to them it doesnt work like that. I needed proof. Unfortunately they still didnt provide me with any information. Back In XX/XX/XXXX of this year I pulled my credit file and I noticed GL was reporting I owe them XXXX. I contacted GL Fianacal Via telephone and spoke with XXXX XXXX XXXX about the incorrect information I was informed that it shouldnt be that amount and could I provide them a company of my credit report. I was instru to fax it or email it to them and they would take a look at it. I did as I was and I fax the credit report to them. I never heard back. I disputed the incorrect information with XXXX. Once I dispute the incorrect information with the credit bureaus I received a alert stated some information was updated on my credit report. The update was from GL Financial they had change the balance and the status of the account. I called GL Financial and never received a call back about error that was now been reported. I check my credit once again in XX/XX/XXXX of this year and noticed they amount was changed to a {$140.00} on one Credit report and {$340.00} on another credit and the account went from pay as agreed to charge off which is incorrect. How can the account be charged off if it was paid off by the insurance company and if there was a balance I was never notified. I never received one noticed from this company everything was word of mouth. By law the company is responsible for reporting accuracy information .GL Fianical is violating [ 15U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. G.L Financial is reporting inaccurate information which is damaging my credit and reputation. Please Help me.
Consumer complaint received 2023-12-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MO)

For the past few weeks, I have tried multiple times to move money from a Marcus by Goldman Sachs account into an external account. Each attempt has failed even though I have followed different advice/ instructions from Marcus representatives and supervisors each time. No one has been able to provide an accurate answer as to why I can't move the money as requested. I need the following : ( i ) My wire request to go through successfully and ( ii ) someone to instruct me in how to avoid this issue moving forward.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

I had issues with Chase Bank closing my account after getting hired in XXXX XXXX XXXX XXXX. 

I noticed an issue on XXXX and XXXX but primarily XXXX with a security hack from an online acquaintance from apparently XXXX who was able to hack or try to send fake payments to several accounts leading to the closure of several accounts subsequent to meeting XXXX XXXX the owner and sole proprietor or XXXX XXXX XXXX 

I ended up contacting the company and had been notified that due to the hack where I was asked to surrender my login to the bank account I ended up having issues with the company. So far it lead to the closure of several banks and may involve the IRS which I hadnt been able to pay because most of my moneys were taken by XXXX XXXX and XXXX  dancing and working in XXXX  after release from Adult supervision and having a case didmusss which isnt sealed or closed on paper yet. 

They told me due to the breach I couldnt open a new account. This continued to happen with several accounts. I had planed on saving XXXX in 2013 and leaving the country and met a XXXX trafficked who placed me in back page and havent been able to get out of debt since, I face constant security hacks data breaches assaults job losses and issues mainly in XXXX and XXXX and a lack of support from XXXX XXXX  departments after marrying by common raw several wife beaters in XXXX XXXX  who didnt release their info until I saw them later in the job. I know XXXX or XXXX was in XXXX XXXX but I believe possibly XXXX were and I face constant issues documenting assaults gaining access to regular gainful employment, recovering monies owed, receiving benefits, issues being stalked by their mistresses on the highways and losing access to accounts as well as abuse by local laws protecting those ppl who didnt want to expose their second life. 

This closure came after 11-12 years in clubs no savings all my money taken from me no home no children no cars recovered and throughout the stay with family regular stalking regular hacks regular data breaches and even so far as assaults knocks at door by undercover and attempts murder in my life and mothers life. I do feel banks do play a role in the matter given their private investigations and they are often involved in Human trafficking as well. Nothing is done in the USA to recover funds for women who are victims of XXXX human XXXX and XXXX trafficking and they see it as money laundering and often kill their family and release data to Feds and do not protect their clients privacy.
Consumer complaint received 2024-01-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (AK)

on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXX XXXX  states they have no record of it yet they are appearing on my XXXX account. XXXX XXXX  has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

To CFPB Case Manager, I have applied to refinance my mortgage with NationStar Mortgage, In early XXXX. I have supplied NationStar Mortgage with all of the necessary documentation to qualify for a refinance. NationStar mortgage has proceeded to put my house in a Foreclosure status, even after I propagated all of the necessary documents, which view that I meet their standards to refinance the property, i.e., XXXX XXXX XXXX, XXXX, MD XXXX. NationStar are breaking all of the government regulations, which protect consumers from large entities such as they, who take advantage of the elder and consumers. I would like to keep my house, which my XXXX adolescence children currently reside.
NationStar has proceeded to Foreclosure on the property, which I purchased on XX/XX/XXXX. As a consumer I know that NationStar are discriminating against I. I would be more than gracious if the CFPB would assist me and keeping my house, which I and my XXXX  adolescence children currently reside. I believe that I 'm experiencing, i.e., Red-Lining from NationStar Mortgage.
Mortgage # XXXX Property : XXXX XXXX XXXX, XXXX, MD XXXX  Thank You, XXXX XXXX XXXX ( Mobile ) XXXX
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX, account ending in XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Dont respond with validated because I'm not asking for anything to be validated or verified.
Consumer complaint received 2023-12-27
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. (MD)

TO WHOM IT MAY CONCERN I recently received a copy of my XXXX Credit Report, Equifax and XXXX Credit Report and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Date of Late Payment - XX/XX/2023 Date of Late Payment- XX/XX/2023 Your company is in clear violation of the law. Under XXXX XXXX XXXX XXXX purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states : ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 . 

Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX Enclosed- copy of ID and bank statement showing proof of address.
Consumer complaint received 2023-12-27
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: EQUIFAX, INC. (FL)

on XX/XX/2023 i sent a dispute to Equifax to verify a collection account that i have any knowledge in regards to. They have yet to process my request and I have given them different calls. It is past the 30 days that i understand they are allowed to process.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOWNE MORTGAGE COMPANY (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish on account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan for any purpose.

Subsection I state that transactions are not included in the Consumer Report
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-26
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: Nelnet, Inc. (TX)

Let this letter serve as formal notice that you have failed to respond to my dispute letter. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FT. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So, I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To help you out I have included a copy of my original request, the dated receipt of when you got it, and a copy of the proof verifying the mistakes you have mistakenly placed on my records. To recap it all for you the following needs to be corrected : DEPT OF EDUCATIONXXXX XXXX XXXX is the only bureau reporting this inaccurate information. How is this possible when all data furnished should be the same?
Consumer complaint received 2023-11-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Exeter Finance, LLC. (KY)

they give me until the XXXX and I found out I don't get the loan until the XXXX and I started a new job and don't get paid for 2 weeks .. they want me to pay XXXX dollars then 2 weeks an9ther XXXX then another 2 weeks a XXXX etc.. the same but I need at least until the XXXX when I get the loan... I was suppose to get the loan on the XXXX but I have orientation on Monday the XXXX I need my car for work can u please help me and get an extension until the XXXX r until my first paycheck then I don't care to pay every 2 weeks at a XXXX until I catch up.. they never even told me they were repossession the car.. no letters and no calls... I'm stuck and need help.. thank u sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I the consumer applied for credit through American Express XX/XX/2020 and was unlawfully denied after I filled out a application ( negotiable instrument ) with signature. I have taken all the necessary steps to ensure that my credit profile remains in good standing. Therefore, I believe that the adverse action taken against my application is in violation of the relevant regulations and I will ensure that my credit standing remains in good standing.
Consumer complaint received 2023-11-26
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: Supreme Lending (TX)

I have contacted the creditor and all three reporting agencies on XX/XX/2023, XX/XX/2023, and XX/XX/2023 times this year. They never provide any documentation substantiating with evidence or information to report the late payment on the Supreme Lending account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6.2, which states I have the right to privacy ( 15 USC 1681 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. Also creditor may not treat a payment on an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed, or delivered to the consumer not later than 21 days before the payment due date.

Statements are not delivered to me no later than 21 days before the payment due date. The statements are created on the 21st of the month prior and mailed to me, thus not delivered until at most 3 days prior to the payment due date, and often, they are delivered after the due date.