davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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: STATE EMPLOYEES CREDIT UNION (NC)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : STATECU XXXX, STATECU XXXX and STATECU XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

It has come to my attention that your reporting of my account information to the credit bureaus may be inaccurate or incomplete, particularly concerning utilization data and account history.

As a consumer, I am fully aware of my rights under federal law, including those outlined in the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act of 1974. Your disregard for these laws and regulations is unacceptable and will not be tolerated. 

Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq.

Consumer Credit Protection Act ( CCPA ) - 15 USC 1601 et seq.

Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 et seq.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.

16 CFR Part 660 : Duties of Furnishers of Information to Consumer Reporting Agencies. 
I demand that XXXX immediately review and rectify any inaccuracies in the reporting of my account information to the credit bureaus. This includes updating utilization information and ensuring the accuracy of all data reported.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (VA)

Unable to make payment on Wells Fargos website. Validation error when trying to select an account to pay from. 

It almost seems like theyre now saying I must have a WF bank account to make payments. Thats never been a requirement in the past so I dont understand why it would be now.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ). According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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. '' I have the right to make sure my private information isn't 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 and XXXX are consumer reporting agencies and I am the Consumer. Auto Now Financial Services is a financial institution by definition under that title. 15 USC 1681 section 604 a 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. '' Auto Now Financial Services the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Any and all consent to XXXX, XXXX XXXX Auto Now Financial Services whether it be verbal, non-verbal, written, implied or otherwise is revoked. Auto Now Financial Services Never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 anteaters the report by more than seven years. '' 15 U.S. Code 1681e 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. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services. Due to XXXX and XXXX not maintaining reasonable procedures.
Consumer complaint received 2021-11-27
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: AMERICAN EXPRESS COMPANY (KS)

American Express is advertising offers for members to be reimbursed for a variety of services. However, to actually get the reimbursement, you have to contact them multiple times, they will try to deny it, or will deny it based on " term and conditions '' that are not anywhere on the website. I've spent over {$150.00} that the card won't reimburse.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MA)

Good Morning, I have a Mortgage with Shellpoint Mortgage and I owe under {$4000.00}. I make Bi weekly payments that get automatically taken out .In the month of XXXX the way the payments fell I was going to have three payments taken out that month. I called Shellpoint and asked them to not take out the third payment in XXXX because I would have overpaid, and to continue in XXXX. What happened next was that unknown to me, Shellpoint had mistakenly removed me from the autopay all together and when I receive a letter stating that I was late with my payment. I called them and told them I was not late that I have automated bi weekly payments taken out. They advised me that for XXXX my payments were not deducted. I made a payment of XXXX on XX/XX/XXXX and a second payment on XX/XX/XXXX for the same amount and was told I was not reported to the credit bureau because my husband is very sick and they had documented that. I payments have been on time and i have been working very hard to have a Good Credit score. I am back on the bi-weekly and am not at fault of this misunderstanding. Even my husbands credit was affected and his credit was in the 800 's and now has dropped to the 700 's .This is very unfair, and after multiple call 's and getting different agents and stories I decided to get help here. They also lied that they tried calling me 4 times a day. Who does that? Please Help us we pay our bills and our Credit scores mean everything. Thank you so much for your time. XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

I reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included the screenshot for inside this complaint in/on dates of XXXX  Please investigate and provide proof with statements showing that this payment was late. If proof can not be provided, I demand the payment be updated to paid as agreed on time, as it should be because it, in fact, was never late. Please see the attached screenshot. Thanks in advance for your assistance.
Consumer complaint received 2021-11-27
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. (AL)

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (WA)

My lease began in XX/XX/XXXX. It ended in XX/XX/XXXX. The original lease " turn in fee '' was disclosed as {$250.00}. But when I turned in the car, they demanded {$350.00}. 

I immediately wrote Volkswagen XXXX a letter to dispute the claim, but I haven't heard back. I asked them to send me a copy of the original lease, but I haven't heard back.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (NY)

On XX/XX/XXXX I called the bank and asked them to please provide me with the total amount of the loan, including interest financed for the entirety of the loan amount. The customer service representative pretended she could not hear me and disconnected the call. 

When I called back, the next customer service representative was XXXX, employee ID number XXXX. XXXX could not answer when I asked him how much my loan was for, the total amount of the loan which was financed through Santander bank. 

I sent several messages to the bank before the call asking for the same type of information to be sent. They did not send anything. 

I was told that my loan is assessed at the rate of 2.76 % interest on {$15000.00} per day, and they could not explain what type of interest this is, or if it is simple or compound interest for the loan. 

There is no answer when asking how much is the total loan and the length of the loan agreement signed for Santander Bank. 

The first month of this loan was XXXX of XXXX. The price of the car was {$15000.00}. I have attached payment schedule which is comparable to my monthly payment. 

I do not believe I owe any money on this loan.
Consumer complaint received 2024-03-05
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: Caliber Home Loans, Inc. (GA)

Hello, My husband and I were trying to get an equity loan four months ago. We were trying to refinance the mortgage. It was stated that the new possible loaner XXXX XXXX  needed 2015 mortgage statements from the previous servicer which is XXXX XXXX. Come to find no one can produce these pertinent documents thats suppose to be with our file. Caliber Home Loans could not be located ( it seems they disappeared, it seems they are fraudulent. XXXX XXXX were to obtain the entire file from Calibur and checked their entire bulk that was transferred before accepting our files. XXXX XXXX XXXX could not produce records from 2015 nor mortgage statements. It seems they are fraudulent as well. It was escalated to Ombudsman and then escalated again to Data Conversion Dept. and no one still could produce our 2015 information needed. Someone has to be accountable because we did not cause this problem. We need 2015 and this needs further investigation from Caliber. Thanks
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (TX)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible
Consumer complaint received 2020-06-30
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)

I did not give any kind of Consent to anyone to open these fraudulent Accounts I'm a victim of Identity Theft and now these Accounts are being sold to Creditor which is totally Wrong. This is not right!!!
Consumer complaint received 2024-03-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint against I.C. System, Inc.

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against I.C. System, Inc. for multiple violations of consumer protection laws. The company has failed to comply with the following regulations : 1. I.C. System, Inc. has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) but has placed a collection on my consumer report.

2. I have not been allowed to dispute the account per 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

3. The collection agency has engaged in misleading, false representation, and deceptive practices, violating my consumer rights.

4. They lack the authority to furnish any account to a consumer reporting agency without fulfilling all necessary disclosures as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. I dispute owing all debts and hereby revoke any authorization for communication via email, text, or calls. I request debt validation.

6. Additionally, I request the purchase agreement between the debt collector and the original creditor.

7. Furthermore, I demand proof of licensing and bonding from I.C. System, Inc.

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against I.C. System, Inc. for their unlawful practices. I am seeking resolution, validation of debt, and protection of my consumer rights in this matter. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (CA)

XX/XX/XXXX I was approved at XXXX % for refinancing my loan after the Covid relief period had ended. I was on diplomatic mission with the XXXX XXXX XXXX in XXXX XXXX. I was unable, after four attempts, to notarize the loan docs and return them to Freedom Mortgage within the 14 day period due to the fact that it took 14+ for the mail to arrive. During XXXX I requested more than 20 times by phone that the docs not to be mailed as it took 14 days to receive mail in XXXX XXXX XXXX More than 20 times i was assured they would contact me and send by email so i could sign and notarize and return. This never happened. After one year of trying my loan was cancelled and was told the program for Covid no longer existed. During XXXX a new loan could not be approved on time as it was always delay due to documents expired before the loan could be reviewed. Today, XXXX, after not having a loan for 3 years, a loan was approved at XXXX percent with a monthly mortgage payment {$1200.00} above the original loan that Freedom Mortgage purposely refused to receive from a disabled veteran, serving his country in harms way in the XXXX XXXX, in order to increase the loan percentage rate.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (GA)

I have unauthorized inquiries from these companies below XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX S XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-30
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. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2024-03-12
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I am currently seeking assistance from the CFPB to address this issue and hold XXXX XXXX of XXXX XXXX XXXX accountable for their actions. I have identified numerous discrepancies in the charges reported by XXXX XXXX of XXXX XXXX XXXX on both my and my husband 's credit reports. After careful examination, several inconsistencies have come to light : - Initially, our credit reports showed a balance of {$4000.00}, while the invoice indicated {$2900.00}. However, the balance was recently adjusted to {$3800.00}, including an additional {$880.00} payment made to XXXX XXXX XXXX XXXX XXXX XXXX ( hired by The Crossings ). This charge was not part of the original documentation provided to my husband and I. Furthermore, as tenants, it is not our obligation to pay any third party for their services, as stated in the signed agreement with The Crossings. This practice is highly unlawful. 
- The invoice incorrectly lists charges for three replaced doors, despite evidence indicating only two were replaced.

- Charges for labor and paint were applied to both the exterior and entire interior of the apartment.

- Unlawful charges were levied for Eviction Filings ( 5X ). 

Moreover, during a conversation with a XXXX XXXX XXXX XXXX XXXX XXXX representative, they acknowledged their responsibility in providing information to credit bureaus on behalf of The Crossings. However, it is essential to emphasize that their duty is to furnish accurate information only. The actions of XXXX XXXX of XXXX XXXX XXXX constitute a breach of 15 U.S. Code 1681s-2, which specifically regulates furnishers of information to consumer reporting agencies. This section mandates that entities providing consumer information to credit reporting agencies must refrain from reporting inaccurate information, whether known or reasonably suspected. Despite being aware of the unlawful and inaccurate charges, evidenced by the balance discrepancies I highlighted, and by the balance initially {$4000.00} to now {$390000.00}. XXXX XXXX of XXXX XXXX XXXX persists in violating the law and infringing upon my consumer rights. 


It is imperative that XXXX XXXX of XXXX XXXX XXXX promptly addresses these discrepancies and adheres to legal standards in their debt collection practices. 

In addition, The Crossings should be morally ashamed for charging tenants ( once paying customers ) these unlawful, illegal and unreasonable fees. The Crossings Courts need to be held accountable for their actions as well!
Consumer complaint received 2024-03-12
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I have filed a complaint against Collection Bureau of Fort Walton Beach with XXXX.

Collection Bureau of Fort Walton Beach acknowledges the inaccuracies in this balance, including unlawful charges, despite my repeated disputes of this erroneous account.

I am writing to highlight discrepancies in the charges reported by Collection Bureau of Fort Walton Beach on both my wife 's and my credit reports. Upon thorough review, we have identified several inconsistencies : - The reported amount on our credit reports was initially {$4000.00}, whereas the invoice indicates {$2900.00}.

- Collection Bureau of Fort Walton Beach informed XXXX  that the balance is now {$380000.00}.

- The {$3800.00} charge includes a charge of {$880.00} from The Original company ( The Crossings ) to pay for the work of the Debt Collector ( Collection Bureau of FWB ) - The invoice lists charges for three replaced doors, whereas evidence suggests only two were replaced.

- Charges were applied for labor and paint for both the exterior and entire interior of the apartment. 
- Unlawful charges were imposed for Eviction Filings ( XXXX ). 

XX/XX/XXXX, XXXX Additionally, during a conversation with my wife, XXXX XXXX a representative from Collection Bureau of Fort Walton Beach acknowledged their responsibility in providing information to credit bureaus on behalf of the engaging company. However, it is imperative to note that their duty extends solely to furnishing accurate information. Collection Bureau of Fort Walton Beach 's actions constitute a breach of 15 U.S. Code 1681s-2, which specifically governs furnishers of information to consumer reporting agencies.

It is crucial that Collection Bureau of Fort Walton Beach promptly rectifies these discrepancies and complies with legal standards in their debt collection practices.
Consumer complaint received 2024-03-12
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: LJ Ross Associates (MI)

I was accessing my credit report and notice a bill that did not belong to me in collections. According to the 15U.S.C 1681 law there should not be any damages on my report and is a defamation to my character.