davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (IL)

I sent a certified letter to Equifax on XX/XX/XXXX and it was signed for on XX/XX/XXXX. This can be verified in usps certified letter tracking # XXXX XXXX XXXX XXXX XXXX. In this letter, i requested Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. XX/XX/XXXXi, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
As of today, XX/XX/XXXX, I have recieved no response, nor has the items disputed been removed from the account. Equifax has now broken the law by not following Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg, Section 611 ( a ) ( 5 ) ( A ) ( i ). and FCRA 15 U.S.C. XX/XX/XXXXi
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

Hello and thank you for allowing me this opportunity to express my frustration and complaints with the credit reporting agency known as Experian. I placed a fraud alert on my credit file as I kept receiving alerts via I.d . Theft services, stating my social security number has been leaked on black/Market- dark web sites. After doing this my phone was stolen. XXXX would not give me a replacement phone unless I started a new line. So the phone number that I had used to place the original fraud alert with for my credit alert has changed. Because of this, my recent credit line application is on hold and my job who does a credit report pull can not move forward with my application until experian removes the credit fraud alert. I have called experian several times last week and today. Their automated system will not allow me to speak to a representative. I have had to print out and postal mail forms to Experian requesting my fraud alert be removed and phone number updated. Until then I would like the consumer protection bureau to help me urge experian to change and update other ways they can confirm someones identity besides a phone number. As we see with me to no fault of my own my phone number had to change. And now because of that my credit line application with discover bank and job application are at risk of being denied because experian does not have live reps to help me remove my fraud alert and change my phone number.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

I was denied for both XXXX and XXXX credit cards, and according to my research you are not allowed to use anything but my criminal record and I dont have one. This was in XXXX of 2024 not only that AMEX has a Prospectus an a Indentured Trustee act as well as a XXXX SEC filing that states all applicants are eligible at time of application it also says in a round about way ALL applications are traded on the secondary market, Im starting my life over and cant get any help and I am evicted with kids because a company decided to tell me no but benefits due to my social security number and signature. I dont appreciate how AMEX has benefited while I suffered.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

On XXXX2016 i have submitted a dispute to Equifax Information XXXX about a Judgement that has been reporting on my Equifax Consumer Report in the name of XXXX XXXX Special Civil Part Plaintiff ( XXXX XXXX XXXX ). In support of my dispute i have provided Equifax a copy of my Police Report and Identity theft Affidavit signed and Notarized. 
Equifax continues to report the fraudulent account that does not belong to me and should not be reporting on my consumer report.
Consumer complaint received 2015-08-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Como Law Firm P.A. (MN)

Attended 1 year of college at XXXX University in XXXX XXXX, MN. Was unable to pay for the loans after leaving. I am now in a position to pay the loan but the law firm handling my debt wo n't return my calls to work something out. I have been garnished and leveed without receiving a summons to court.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (AZ)

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. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.
Consumer complaint received 2022-08-09
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX XXXXXXXX
Consumer complaint received 2017-04-29
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: Experian Information Solutions Inc. (MI)

On  XXXX   XXXX  and  XXXX   XXXX   2017   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  texas  XXXX   XXXX  placed an inquiry on my credit report without my consent or knowledge.
Consumer complaint received 2015-10-21
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SECURITY FINANCIAL (MI)

We have a loan through United Security Financial being serviced by XXXX XXXX. We are under a VA loan and are currently trying to sell our home, in Virginia. Our appraisal was for {$160000.00} and they are refusing our current offer for {$160000.00} and refusing to utilize the VA short sale procedures. Our house has been on the market for over a year and this is the only offer we have had. They are refusing to accept the offer and want to net more money, even though they will be able to get at least {$48000.00} from the VA
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: American Financial Resources, Inc. (CA)

I applied for a mortgage refinance. I was approved. I went through all the disclosures, paid for an appraisal and submitted all my personal financial documentation. As the loan was getting near the end of the lock-in period the lender representative called me and told me that within the previous month the company put in place an internal policy whereby they no longer do loans of the type I was requesting.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX
XX/XX/XXXX

LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

DEAR COMENITYBANK/VICTORIA,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XX/XX/XXXXWITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX XXXX XXXX XXXX )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX XXXX XXXX ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX XXXX XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT;

1.COMENITYBANK/VICTORIA XXXX  
IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY,
XXXX XXXX
Consumer complaint received 2022-02-13
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: ACIMA CREDIT, LLC (FL)

There is an account with number of XXXX by ACIMA DIGITAL FKA SIMP that as of XX/XX/XXXX reflects inaccurate information to the credit reporting agency as a charge off in the amount of {$2900.00} as of XX/XX/XXXX. 

I have requested multiple occasions the validation of this account from the furnisher but have failed to receive any information or documentation pertaining to his account. 

This account was fraudulently opened by a business who was no longer in business at the time this account went into collections. I have researched this account and the business that it was purchased under is no longer operating under the state of Florida. The lease agreement under ACIMA DIGITAL FKA SIMP was for a vehicle sale which the business at the time agreed upon under my name. An actual vehicle sale, not an accessory but an actual vehicle. I do not believe ACIMA has the authority in the state of Florida to proceed in the purchase of automobiles. 

This account needs to be removed from my report immediately due to the activity that occurred in XXXX and resulted in a charge off to my credit file.
Consumer complaint received 2017-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran four unauthorized credit inquires on my name as listed below : XXXX XXXX  Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX Inquiry XXXX XXXX 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX  Inquiry XXXX XXXX 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening XXXX/2017. They still went ahead and ran the credit on XXXX/2017. Once is forgivable. But I went into the dealership Saturday on XXXX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only one inquiry was made on XXXX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. Thank you,
Consumer complaint received 2024-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I believe someone else used my information to open an account in my name plus it was only a XXXX $ limit how did they manage to get to a balance of XXXX I have no knowledge of this account and capital one just tells me its mine but never sent me any proof or information explaining how they figure that.
Consumer complaint received 2016-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am trying to get approved for a loan modification and I have sent the requested documents to wells Fargo Bank 4 times now and I keep getting letters stating I need to send the same documents I 've already sent. I have tried calling the specialist assigned to my account for help but she does n't answer her phone and never calls me back when I have left voice messages.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Home Loans recently reviewed my mortgage loan for a possible loan modification. I got the results back a few days later on XXXX/XXXX/16. I realized that not all the household income, was included in their review. My authorized third party XXXX XXXX XXXX called my CRM XXXX XXXX XXXX at Wellsfargo, who gave some information in reference to situation. Upon listening to the explanation given, the CRM suggested that, '' I should immediately appeal. '' As of today, XXXX/XXXX/16 my XXXX XXXX is still in an active Appeal Review process, however my CRM never followed up with me, ever since the process started. We called in frequently as there were concerns of a scheduled foreclosure Sale date of XXXX/XXXX/16. Wellsfargo reps often informed me that a request for postponement was filed in Court on XXXX/XXXX/16, which turned to be true. However, Wellsfargo failed to supervise the work of the Attorneys that they contracted. On XXXX/XXXX/16 ( auction day ) the court clerk notified me that the Judge did not even see the motion to cancel sale/postpone sale. He added that, " no one seemed to follow thru this. I called Wellsfargo home retention dept, who gave me a phone number to contact their attorney. By XXXX the property was foreclosed on, and reverted to Wellsfargo home loans. Wellsfago third party attorneys then followed thru after the fact, and on XXXX/XXXX/16 filed another motion to cancel/postpone sale after the fact. My primary residence is in the hands of wellsfargo illegally. On XXXX/XXXX/16 wellsfargo appointed a new CRM XXXX XXXX XXXX XXXX to my loan file. I still do n't know what they are doing about my situation. In the past, I had notified Wellsfargo that My home is not worth $ XXXX as the market for older homes in my area is a lot less. I received several property valuations from Wellsfargo in that price range, yet in reality my home is a little underwater. I have been declined for a loan modification in the past for having too much equity, which is not true at all. What a shame!!! I tried selling my home for many months, did not even get an offer. I was informed of the starting auction bid of $ XXXX, yet no one still bought my property at the auction. I realized that it is more cost effective for me to keep my residence of many years even though I defaulted due to unforeseen circumstance. Today, I can afford to pay back towards what I owe.
Consumer complaint received 2016-02-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

XXXX RELATED TO CASE NUMBER:XXXX.SECOND REQUEST TO QUESTIONS XXXX REQUEST DOCUMENTS FOR VERIFICATION OF SALE TO XXXX XXXX XXXX WITH PURCHASE AMOUNT INCLUDES REGRISTRY OF DEED ON PROPERTY LISTED ABOVE
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (TX)

XXXX account was closed and last bill was paid. But for unknown reason XXXX kept billing me and placed the account to Diversified Consultants , Inc collection agency. They imminently start calling me. I asked them to send me a letter of verification but was never received.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

I checked my XXXX, XXXX, and XXXX consumer reports and noticed an ongoing issue with Self Financial , Inc. conflicting furnishing of {$450.00} as derogatory but also considered a " charge-off/written off as bad debt '', while I've also being sent emails of monthly balances owed treating the account as open. Self Financial , Inc. is in direct violation of section 607 ( b ) of FCRA, " consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the information Self Financial , Inc. is also STILL currently charging interest onto the {$450.00} and have been receiving emails of " balance due '' payments as if the account is still open. This is also a direct violation of law 15 USC 1692f 808 ( 1 ) " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' and 15 USC 1692f 812 ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NV)

This creditor listed below has violated my right per fcra Creditor : XXXX XXXX XXXX  Secured loan Account open XXXX Account does not belong to me know knowledge address is incorrect. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists
Consumer complaint received 2024-03-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have had three private student loans with Navient since XXXX. They have horrible variable interest rates, currently at 10 %, 12.5 % and 18.5 %. These private student loans were taken out to pay for my education at XXXX XXXX  that defrauded me. I had over {$90000.00} in federal student loans already discharged due to this school because my Borrower Defense to Repayment application was approved. Now I currently have roughly {$75000.00} in private student loan debt that I feel should be discharged because they were taken out for the same education that my federal student loans were. When I signed for these private student loans I had no idea what anything meant and did not know the interest rate I was agreeing to or even that it was variable. All I was told by the financial advisor at XXXX was that I needed to take out the loan to continue my education. XXXX also completely lied about their job placement rates saying 90 % of their graduates were hired in their field within six months of graduation, which never happened for me. They also had a flyer they showed me that said how much a graduate is expected to make with their degree which was also a lie. 

Navient has been incredibly unhelpful in providing me any assistance with these private student loans, as they basically always say there are no options for me. I've paid them XXXX  of dollars and the loans have done nothing, but increase in amount. According to their website I have an expected pay off date of XXXX. That is a total of XXXX  years!! I can expect to never pay off these loans. Navient is now expecting me to pay a total of roughly {$1000.00} per month on these loans and I can't financially afford it. 

Navient is currently offering a new school misconduct program for private student loans to people who have been defrauded by their schools. I would like to apply for this program to hopefully, finally be done with this nightmare that is dealing with private student loans