davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to Privacy and Confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602A : States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : 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 ) : States 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 2021-03-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: THE MONEY HOUSE, INC. (PR)

The mortgage company charged me a {$6800.00} Va funding fee.As XXXX veteran Im exempt from paying the fee.Talk to XXXX XXXX the loan officer at the time of loan process because he stated he was going to save me over {$6000.00} dollars.I asked him to show me both in an email and a phone call.He never did.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COINFLIP LLC (IL)

hello cfpb, the name of company that i want make complainis coinflip bitcoin atm, i called them to reverse the transaction, i told them, i was scammed and used their atm to deposit money. 
it has been 2 weeks and never heard from them, they said, they will investigate and never heard from them.pls assist- i have nowhere to go to phone number : XXXX XXXX coinflip receipt : XXXX for XX/XX/XXXX {$500.00} coinflip receipt : XXXX for XX/XX/XXXX{$700.00} coinflip receipt : XXXX for XX/XX/XXXX {$800.00} i tried to reach them via email at XXXX but it will direct you to call the XXXX shown above thanks
Consumer complaint received 2023-05-17
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: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/2022 I contacted Midland Credit Management in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/2022 I contacted XXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, Midland Credit Management nor XXXX XXXX XXXX. XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, XXXX, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXXXXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX XXXX, Midland Credit Management, or any factoring company. In addition, I also sent a copies of these letters to XXXX, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal, Texas Laws, and Louisiana FCRA Identity Theft Fraud Laws Dear CAPITAL ONE, I am writing to bring to your attention a concerning matter involving the unauthorized reporting of information to my credit report, which contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I wish to highlight relevant provisions in the Texas Finance Code under Sections 392.301 and 392.305, as well as identity theft fraud laws, particularly Louisiana FCRA Identity Theft Fraud Laws. 

It has come to my unequivocal attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA, a federal law, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In conjunction with federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code provides clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Louisiana FCRA Identity Theft Fraud Laws, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially causing damage to my creditworthiness and demonstrating a disregard for federal and state laws. 

I demand, with the utmost certainty, that CAPITAL ONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws, including those outlined in Louisiana FCRA Identity Theft Fraud Laws. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft fraud laws in Louisiana. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal, Texas, and Louisiana laws. 

Done in good faith.
Consumer complaint received 2018-06-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Mr. Cooper will not remove the PMI from the account even though it expired XX/XX/XXXX. They keep changing the date saying payments were missed, but that is incorrect. 

All payments have been received, but no from the Service Agent up to the Supervisor XXXX XXXX are willing to fix this issue.
Consumer complaint received 2021-02-04
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: PNC Bank N.A. (PR)

My credit report shows hard inquiries i have not authorized. Also Auto loans i have not made are shown. I have repeatedly reported inhave been a victim of identity theft. All fraudulent records are dated XX/XX/2020. I have sent letters, made phone calls to all the institutions shown on my credit report that are related to the identity theft issue reported. I submitted a written dispute to XXXX, XXXX XXXX, PNC Bank, XXXX XXXX XXXX, and to the Federal Trade Commission. 

XXXX XXXX XXXX
Consumer complaint received 2023-12-18
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$4700.00}.
Consumer complaint received 2024-04-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (LA)

I received a letter fro XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX stating they were going to file a civil lawsuit against me for not repaying the XXXX XXXX XXXX loan for {$1800.00}. I immediately called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX and she searched their systems to see if she could find me with a loan from XXXX XXXX XXXX which she couldn't. She only saw I had a loan for Cash Central which is a totally different company. She said it sounds like they are trying to scam you into paying a fictions debt. I tried to call XXXX XXXX XXXX and also emailed them on their website and they did not call me back or respond to my email.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

By provisions of 15 US section 1681i of the Fair Credit Reporting Act. These items need to be investigated. This account is being reported as a collection/charged off account on my credit report but these account have been sold off to third party collection agency
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX Account number ( please contact for ), has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A SEction 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report late for any purpose.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (CA)

Furnishing and Reporting Inaccurate Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Delinquency First Reported : XXXX XXXX  Not accurate, based on payment history provided by XXXX, I made a payment as of XX/XX/XXXX. ( Paid on Time ) XXXX ) Date of Last Payment REPORTED as of XX/XX/XXXX - Furnishing and Reporting Inaccurate Information. XXXX is showing that XXXX reported a " XXXX XXXX '' in XX/XX/XXXX. Again, not accurate! 

RESOLUTION : Delete Account and Negative Remarks from my credit report immediately. 


XXXX XXXX XXXX : NATIONAL CREDIT ADJUSTERS ( XXXX XXXX XXXX XXXX XXXX XXXX Furnishing and Reporting Inaccurate Information XXXX ) Reporting to XXXX that the account first opened XX/XX/XXXX and that the date of first delinquency was XX/XX/XXXX. These dates do not make sense or add up. 


RESOLUTION : Remove account and negative remarks from my account immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) FAILED to provide documentation of verification and of the following requested information : Deferred Payment Start Date Date Closed Date of Last Payment Scheduled Payment Amount Actual Payment Amount Charge Off XXXX XXXX : Remove account and negative remarks from my account immediately.
Consumer complaint received 2022-10-18
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <CAPITAL ONE > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX  XXXX Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX ) ( XXXX, CLOSED ACCOUNTS <CAPITAL ONE > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. following the Fair Credit Reporting Act convergent XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-26
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

From XX/XX/XXXX to today, the following accounts were closed by the creditors because of information they received from XXXX. 
XXXX XXXX - never late XXXX- not late was late in the past, and this came off my records Wayfair - never late XXXX XXXX - never late XXXX XXXX - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but in the meantime, more accounts are closed. 
My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened. 
.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <DEPT OF ED / XXXX Closed on XX/XX/XXXX, Highest balance {$2000.00} <DEPT OF ED / XXXX Closed on XX/XX/XXXX, Highest balance XXXX ) ( XXXX, CLOSED ACCOUNTS <DEPT OF ED / XXXX Closed on XX/XX/XXXX, Highest balance {$2000.00} <DEPT OF ED / XXXX Closed on XX/XX/XXXX, Highest balance XXXX XXXXOPEN ACCOUNTS- <US DEPARTMENT OF EDU> last reported XX/XX/XXXX, Highest balance {$9000.00} <US DEPARTMENT OF EDU> last reported XX/XX/XXXX, Highest balance {$2400.00} ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. by the Fair Credit Reporting Act cXXXX XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (OK)

After I made a payment every month, regardless of how much was paid, my account would show I owed {$0.00} cents. I would make an additional payment, and my account would still reflect this error. My account started to show as Late and Past due. I had to call customer service and spend hours on the phone, speaking to supervisors and different representatives for them to fix the issue. Once the issue was fixed, the following month I would make a payment and have the EXACT same issue, having to call over and over to have it fixed as the first agent would promise it would be fixed and my account would continue to show late for 60+ days. This happened THREE times before the {$0.00} cent error hasnt happened again, crossing fingers. Upgrades representatives and supervisors assured me the late payments would be removed and updated on my credit report, and one has been, but two remain. My XXXX report shows one late on XX/XX/XXXX and one on XX/XX/XXXX. Despite the supervisors and resolutions teams promising they would be removed. 
This has been super stressful, having to call numerous times and wasting so much of my own personal time between work and school. 

Background : XXXX ( XXXX call center supervisor ) advised late payments would be removed by XX/XX/XXXX will receive a phone call by tomorrow XXXX never received. I then sent emails to contact @ upgrade.com. 
Yet to receive a call, I called them again on XX/XX/XXXX spoke with miles in XXXX. I was advised that the supervisor wasnt available but XXXX in resolutions would be reaching out tomorrow XX/XX/XXXX. On XX/XX/XXXX XXXX called and advised that the credit collection forms were submitted to remove all late payments, and my credit report would be updated within XXXX days ( XXXX time I was advised of this ).
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Pursuant to XXXX XXXX CODE 15 US 1681, Which states that Credit Reporting Agencies needs to have my written permission to report this account on my behalf. THEY DO NOT OR DID NOT REACH OUT TO ME FOR PERMISSION. Please Delete. " Verified '' means that they conducted an investigation and spoke to family and friends which they DID NOT. Please Delete. 

Account - XXXX XXXX reporting in Transunion Credit Bureau and XXXX Credit Bureau. Please Delete.
Consumer complaint received 2024-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (MO)

After XXXX, I applied for a loan modification. I was approved. I made the first payment, then was told by PHH Mortgage there was no loan modification in place. Since the initial loan modification, I have repeatedly completed the paperwork. Every time, there is something more PHH needed, which I have provided. Now they are simply saying this is not an option and foreclosure is my only option.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLIANT CREDIT UNION (OK)

My credit card information was stolen online and was used to make fraudulent transactions without my permission. All of my information was used on these purchases as if they were me, but they werent.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-03
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. (MN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.