davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

Every American is allowed to rehabilitate their student loans one time. I do not understand why this is still being reported to my credit and counted late so many time I won't be able to obtain credit for years. I can not even apply for a store credit card, it is instantly declined. I paid them the money I owe them this should be removed.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (GA)

I am writing to dispute unauthorized charges totaling {$4300.00} on my XXXX XXXX XXXXXXXX account between XXXX XXXX XXXX. These transactions occurred while I was XXXX XXXX between XXXX and XXXX, during which time I was a victim of identity theft and SIM swap fraud. I demand an immediate investigation into these fraudulent activities and request a prompt resolution to rectify this matter. Any associated fees or charges related to these fraudulent transactions must be waived without delay. I expect regular updates on the progress of the investigation and swift action to restore the integrity of my account. Failure to address this dispute satisfactorily will result in further legal action. I am the victim of identity theft. I am writing to dispute a fraudulent charge/debit on my account in the amount of {$4300.00} I am a victim of identity theft, and I did not make this charge/debit. I am requesting that the charge be removed/the debit reinstated, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed.
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (VA)

Ive done tried disputed with this company before and their illegal business tactics three times theyve changed the type of loan closed it then opened it back up had the wrong dates and could not verify my identity with my wet signature. Now I have another third party company saying this is there debt now. Ive called them and they were very rude over talked me. Tried to inform they havent sent me the information Ive requested. Information and Dates are not up to date with all credit bureaus.Theres a company named XXXX XXXX which is contacting me about a debt now after Ive asked XXXX multiple times to stop contacting me.
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (IL)

On XX/XX/XXXX my wife and I signed closing docs for a refinance with Better Mortgage. The funding date was set to be XX/XX/XXXX. Cash transfers were to be handled by XXXX XXXX XXXX XXXX XXXX. 

When XX/XX/XXXX came and passed my previous mortgage account was not paid off when I checked my online portal. I asked the Mortgage Advisor at Better who was handling my loan and was told to wait a couple of days. As at XXXX there is still no sign of any funds. They have also failed to pass on funds to XXXX XXXX for property taxes and XXXX for insurance. 

Despite several follow ups Better did not escalate my issue until 10 days past the date on XX/XX/XXXX and I am constantly having to chase still.
Consumer complaint received 2024-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

On XX/XX/23 I sent a test payment of XXXX to last XXXX  address in bank account since XXXX. It went through so I sent the remainder {$300.00}. It went through. Unfortunately in NEVER showed up with Mohela. I corrected the address, tried calling the number for XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX. I have spoken with Mohela multiple times. I contacted my bank who said they could not refund since it was processed. Mohela was supposed to be tracked down the money & have it redirected to them. They haven't. Last call they said it was my responsibility. All records show this used to be XXXX XXXX. I have no idea where the money is. {$310.00} paid in XXXX & never returned or refunded, or forwarded to correct company. I have always paid my bills on time. I need help!
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE BANK account on my credit report was tagged to be LATES/CHARGE OFF with no specific date of showing the late status. The payment history is incomplete and with so many errors in the date of last activity, date opened, etc. The entire remarks for this account are a big error. Thus, I am doubting that the Bureaus have conducted a proper investigation. Moreover, I have been sending them written complaints and requests and they failed to give me feedback.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I called to get my account unfrozen by Equifax but I was not able to do so. The representative wanted me to send documents to have my account temporary unfrozen. I am in the middle of applying for a loan and need it done immediately but they refused to temporarily open the account. The woman stated that I didn't answer something on my credit correctly. But I answered it correctly. I have never given permission to Equifax to gather my personal and confidential financial information. This is information they have stolen and now they make money off of my information and have not kept it secure so their breach put my information out in the public which is why the freeze in on my account in the first place. I demand my account to be temporarily unfrozen when I need it done and that Equifax stop trying to extort more information through my confidential documents to access my account.
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: Experian Information Solutions Inc. (SC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that 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. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services. These agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR1016.7 goes on and states that " A consumer may exercise the right to opt out at anytime. FERPA- Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under XXXX. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school, the school never notified parents nor student of their rights annually. I am opting out of your reporting services.
Consumer complaint received 2018-06-15
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: Experian Information Solutions Inc. (FL)

Experian reported 3 collections on my credit report all from the same company XXXX XXXX. I disputed the report twice as these were corporate expenses not personal expenses & the corporation XXXX XXXX Under is defunct and dissolved and should not be reported on my personal credit report. 

In my dispute I have requested documentation from XXXX showing that this is a personal expense and they have not produced any. I have also called XXXX several times and left messages, have not heard back. 
I have also reached out directly with all 3 creditors and can not get a response. 

I am appalled and shocked that with no documentation or proof one can report to a credit agency and have it remain. This clearly is a business expenses through the corporation & therefore should not be reported on my personal credit report. 

Attached below is my dispute with Experian and the results These 3 collections appear only on Experian.
Consumer complaint received 2022-10-04
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. (IA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2020 I had a VA loan associated with XXXX XXXX that was closing on a house in Texas. I was told everything was okay I would be looking for my payments to start on XXXX of that year. So without my knowledge or email or phone call or letters from XXXX XXXX. My account was sold to Wells Fargo with a new account number and login. They say they sent a letter XX/XX/XXXX to my mothers home, but that was a lie it was sent when I requested it and it was no back date on it. My mother always checked the mail and it was forwarded to her. I was stuck in XXXX because of covid and had all my mail sent to my moms house. I made sure to do that once I closed on the house. So with all this going on Wells Fargo took it upon themselves to start reporting me being late to the Credit Bureaus of none payment when I didn't even know at the time my loan was sold to someone else. Then on top that my loan was a XXXX XXXX XXXX and was supposed to not be reported to the credit bureaus. Now I tried and tried to do everything I known I could dispute with the credit bureaus all that. I don't like Wells Fargo they are corrupt and they don't care. So I was hit {$45.00} late fee here and there even when I started paying on the loan for my house. They said they would waive them but never did. Also all government backed loan during then pandemic where not subjected to late fees as well. So I don't know what they are doing over there but I want to get help. My score when from a XXXX to a XXXX because of them. I am a single XXXX XXXX XXXXXXXX XXXX not able to work. Also I have email correspondence with XXXX XXXX and XXXX XXXX of XXXX XXXX and I never received a email of my new account number and where was my account being sent. I found out on my own. And no correspondence from Wells Fargo telling me my new account number.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Certegy Holdings, LLC (CA)

On XX/XX/2020 I went to try to cash a check for XXXX and my transaction wasn't authorized I received a letter saying that I have an outstanding Item which may have been reported to XXXX XXXX , XXXX but there's no information on what was reported.
Consumer complaint received 2018-06-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC. (CA)

I was recently contacted by a company named XXXX XXXX XXXX XXXX via mail and phone. This company claimed that I had to pay {$3400.00} in debt for a car accident that I was involved in a few months ago. However, the car accident was dealt with by the insurance company immediately after it happened, no one was charged, and the claim was closed by the insurance company. Immediately after being contacted by Afni, I called the insurance company and they did not know anything about this Afni company. 
Afni threatened to report me to the Department of Transportation as well as mess up my credit report if I do not pay them the money.
Consumer complaint received 2022-09-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

The original collection company I had this debt with moved my debt to a different collection agency once I disputed the debt with them. They also have the wrong dates on my account and every time I dispute the information, they change dates around on my credit to make it appear as a new debt.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CT)

As explained in prior CFPB complaint ID : XXXX, which rep replying on behalf of BMWF did not fully address, there is a block preventing ACH payments on the account. The block was removed prior by a phone rep when I attempted to make an online ACH payment, the rep agreed to remove block to allow me to make payment which was later rejected because the bank, XXXX, claimed wrong info entered.. I have attempted to make ACH payments since and was unable to do so, it appears BMWF replaced the block after failed payment through XXXX. The account is due for XXXX payment and I plan on using my {$1400.00} stimulus payment to cover it, however, that payment is going into an account which does not allow bill payments. Further, I am unable to transfer funds from it as I can not link it to an external account, it is a pre-paid account and does not allow it to be linked for funds transfers. I request BMWF remove block to allow ACH payment so I can at least pay XXXX payment before it snowballs into XXXX, possibly XXXX.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

Apparently, my USAA account was closed due to fraud or account abuse on XX/XX/XXXX as reported by XXXX XXXX XXXX XXXX. I have attempted to reach out to USAA by certified letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of there letters have been return to me as undeliverable. I also called on XX/XX/XXXX and XX/XX/XXXX and was informed by the representative that they see my chapter XXXX discharged bankruptcy on file and that they were not aware of what XXXX XXXX XXXX XXXX was. USAA has made it extremely difficult to get answers. I have done nothing wrong.
Consumer complaint received 2020-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC ()

XXXX XXXX from Portfolio recovery associates in XXXX, Virginia, United States contacted me from phone number XXXX on XX/XX/XXXX at XXXX <See Attached> After asking XXXX what my address was on file, she confirmed " XXXX XXXX '' ( XXXX ). I have already provided my updated address and asked the company to stop calling me at inconvenient hours on XX/XX/2020 <See Attached>. They agreed that it was a bad time to call me. I asked to speak to a manager and spoke to Mr. XXXX. Mr. XXXX agreed that my address reflected my time zone and that XXXX phone calls are unnecessary. I advised Mr. XXXX would like to move forward to submitting a formal complaint, but he did not offer me any assistance other than they would not call during this time in the future.
Consumer complaint received 2022-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I submitted a refund request with EDfinancial. I received no confirmation via email ( no refund information is posted on my account ) and have had to call to get updates. I am now told this refund process can take up to six months, and I could potentially miss the window to have some of the loans that will be put back on my account forgiven. 

For a student these are large sums of cash and I was hoping I could call and expedite the refund process. EDfinancial says refunds are at the discretion of the Dept of Education. After doing research it seems the only hope I have is to daily hound EDfinancial to make sure they stay on top of the refund.
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MO)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2022-09-10
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. (NY)

I took out a student loan back in XXXX that was written off in XXXX and closed by the US Department of Education. The balance was erased and everything was reported accurately to the credit reporting agencies until XXXX I recently checked My XXXX credit report and the loan is appearing as three separate loans which is incorrect and violated double jeopardy laws in place to protect consumers from inaccurate credit reporting as per the Fair Credit Reporting Act. I have attempted to contact the lender but since its a loan I was informed that XXXX should be contacted.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ref : CFPB XXXX and FTC XXXX XXXX I am report fraud resolution that ba nk has make with XXXX Bureau on XX/XX/XXXX on the XXXX wed site claiming bank has close out my checking account ( Adv Tiered interest chkg for XX/XX/XXXX to XXXX XXXX. Account number : XXXX XXXX XXXX. The letter was sent it to me at home. and the amount was XXXX dollars. This letter was fraud to sent out by bank. Plus ruin my credit line with the 3 Burenu. XXXX has a file number which i filed with the Burenu ( CASE : XXXX ) .This is 2-3 times that the bank has do it to me. Please help me solve this problem as soon as possible. Thank you.