davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I paid and additional amount on my loan trying to pay just the principal, over half of my payment is going to interest. I also had my account auto debited for the month of XXXX on the XXXX, when no payment was due for the month, without any notice that a debt would still be take, if you are on auto pay, even if no payment is due for the month.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc. (CA)

Central Portfolio Control of XXXX MN sent me a letter supposedly dated on XX/XX/XXXX, but which I only received today ( USPS standard for first class mail delivery is 5 days ), in which the included the following sentence : " As required by law you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. '' This threat is false and or illegal. As of XX/XX/2022, medical debt less than {$500.00} is NOT REPORTABLE by the credit bureaus. Accordingly threatening to damage my credit using a method that is no longer possible is a false, misleading or potentially fraudulent collection tactic. 

The debt in questions, which I do not recognize as legitimate and have been disputing for years, is medical debt ( hosptial charges ) in the amount of approximately {$210.00}. Central has provided no original documentation to backup their claim, which I vigorously dispute.
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I have been contacted multiple times by a collection agency that goes by XXXX separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in north XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a XXXX. Attached are my letters my Ftc partner told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I was denied my right to credit as a consumer. 

AMEX securitize the receivables which are the applications. 

AMEX SEC Filings and prospectus demonstrates the securitizing of the indebtedness. 

I provided AMEX a financial asset and didnt receive any consideration for the security collateral. This is securities fraud. 

Please retract my application or credit my account.
Consumer complaint received 2023-12-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AMA Advisors, LLC. (FL)

We closed in XX/XX/2022 and since then it's been one thing or another with the title. And now it is still not retired as indicated at closing by Homebridge our lender at the time of closing. It closed and funded. The loan was bought by XXXX XXXX and the title is still under Homebridge as well. And they won't change that either. It became an issue when we tried to refinance and the title was not retired as was indicated by Homebridge to the title company. It's been an ongoing struggle with all companies. And neither have come up with a solution.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NY)

I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. To support my dispute, I have attached relevant documentation, including payment receipts, bank statements, and any other necessary records that clearly demonstrate the payments were made within the specified timeframe. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the correction and a copy of the updated credit report.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 

SYNCB/RMSTGO XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. To support my dispute, I have attached relevant documentation, including payment receipts, bank statements, and any other necessary records that clearly demonstrate the payments were made within the specified timeframe. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the correction and a copy of the updated credit report.
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TN)

Hello there cfpb, I need to report self Financial group as it appears on my credit report, my information was shared without my consent. I have never had any affiliation with self Financial group ever in my life my rights we're violated completely and self Financial group appears on my credit report as a very hard inquiry and the information is absolutely incorrect and false. Self Financial is using predatory business practices to gain access to consume his personal information
Consumer complaint received 2023-08-29
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. (NY)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (SC)

My wallet was stolen in XXXX and between XXXX and XXXX, someone opened several accounts and personal loans with my identity. I paid off one of the debts although I had XXXX knowledge of it. I paid XXXX XXXX XXXX on behalf of Discover It Card, although I stated to them then that I didnt agree with it and request it be removed from my credit file.
Consumer complaint received 2023-12-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lien Enforcement Inc (CA)

On XX/XX/XXXX around XXXX XXXX  PST i receive a call from a representative of lien enforcement inc advising me about a debt owed to them I advised them that he debt was wrong as the car that was towed never belonged to me due to the previous owner title jumping and the vehicle was never officially registered under my name Representative cut me off advised me if I was going to deal with it told him no since this wasnt my dent and wasnt my vehicle Customer rep than with an attitude then threatened to the company will sue me verbatim and then after exchanging words due to his rude attitude and condescending tone he hung up Attempted to call back and be forwarded to a manager but someone picked up and then hung up I sent an email with my complaint and pursuing damages against the company and the rep
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (CT)

This company without conduct any validation process reported a debt that docent belong to me, in my XXXX credit report ; this unverified information causing me to get denied a car loan. Section 1006.30 ( a ) ( 1 ) provides, in relevant part, that a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before taking one of the actions described in 1006.30 ( a ) ( 1 ) ( i ) or ( ii ). Each of the actions includes conveying information about the debt to the consumer. The validation information required by 1006.34 ( c ), including such information if provided in a validation notice, is information about the debt.15 U.S.C 1681 section 602 A. States I have the right to privacy. S15 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 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data eld reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and nancial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to nes or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certied before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.Further investigation is required to verify the following claims. These claims remain unveried until further inquiry can conrm them. More research is needed to support these unsubstantiated assertions. Please report any veried claims immediately. Please certify that all claims that have been veried as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

I applied for and received the Fidelity Rewards Visa Signature Card based on a promotion that I received in the mail : " Receive XXXX Bonus Points - which equals {$100.00} Cash Back when deposited into an eligible Fidelity account - after you spend {$500.00} in eligible net purchases within 90 days of account opening. '' I completed the application online well before the XX/XX/XXXX deadline and made my first purchase on XX/XX/XXXX. 

The fine print claims : " 6 to 12 weeks after qualifying purchase are made, the one-time Bonus Points will be added to the account holder 's points balance. '' It's been well over 12 weeks since my first statement, which had over {$1000.00} in purchases. When I look at the history of my points balance, I only see points from the usual 2 % cash back. 

On XX/XX/XXXX, I contacted Fidelity about this issue and I received this response : " After reviewing your account we do not show that the account was applied for under a promotion to give you XXXX bonus points. This is why the points have not posted to the account. We are unable to change your enrollment offer or award additional enrollment as your account has been opened longer than 120 days. '' I called XXXX and received a similar answer from their customer support. 

Nowhere in the terms of the attached promotion does XXXX state that I must follow special instructions to apply under the promotion. I simply applied online at FidelityRewards.comXXXX as instructed.
Consumer complaint received 2022-12-19
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: TRUIST FINANCIAL CORPORATION (PA)

I do not recognize nor do I have a contract legally binding I, XXXX XXXX and TRUIST with any agreements. This Is FRUAD! I have Reached out to TRUIST multiple times due to this fraudulent account and no response from TRUIST XXXX XXXX as stated Here I would receive something in writing addressing I, the consumers concerns and I, the Consumer have been ignored each time as well as sending certified mail proving TRUIST has received my concerns as well as TRUIST ignoring them. TRUIST continues to cause damages by making I, the consumer keep an account I Never Asked Nor Agreed to. This has Caused XXXX, Mental and Physical Damages I, have been reaching Out to TRUIST Since XXXX of XXXX  to current all Documented and Notated. This is a Conspiracy against my Rights and Color of Law, For TRUIST to Bully I, XXXX XXXX. 
I Come in Good Faith and Clean Hands by Law Who Has Notice Each Persons Knowingly, may Face Fines, Jail Time and or Both according to Law.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

I have damage to my roof and my insurer has paid a claim by check. The check was made payable to Ditech and me, individually. Ditech required me to endorse the check to them and send it to them. They then took 4 weeks to return a check to me. The check they sent to me was payable to my roofer and me. My bank will not let me deposit the check unless the president of the company, who endorsed the check for the roofer, is present. 

I've asked for a new check to be sent payable to me individually since I've already paid the roofer. Ditech will not do that.
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC (FL)

have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until XXXX to XXXX business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXX XXXX  from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all. I have filed a complaint this morning XX/XX/2023 and attached screenshots to a complaint I submitted on XX/XX/2023 I have also checked the portal on Makwa finance and it said to claim 500 points and the application is pending and it says date funded XX/XX/2023 I will attach the screenshots I saw on the Makwa finance portal this evening