davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper did not send the correct amt payment on first property tax installment. They were contacted by county tax collector and given XXXX days to submit the {$10.00} difference or payment would be sent back They did not respond. When second installment came due, Mr. Cooper sent the correct amt, but the tax collector did not process payment because the first installment was considered not paid. That check was also returned. After no response from Mr.Cooper, I was sent the notice of unpaid taxes from tax collector. I started calling Mr. Cooper immediately. I started since XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX. Every call was with a different tech and I had to start with my story from the beginning. Each one telling me that it would take XXXX days to resolve. I was instructed to check on line in my account for escrow updates. Nothing, I have also done the chat on line, requested management to deal with to no avail. I was told that there was an error due to escrow funds being redeposited after my refinance in XXXX of XXXX. I have been issued XXXX different refund check ( XXXX were voided ) for an escrow overage acct. I was finally told to send a copy of my red notice from tax collector because according to their records it shows they were paid. That was sent. Nobody acknowledged receipt or returns my calls or answers my e-mail.
Consumer complaint received 2022-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

I spoke with XXXXXXXX XXXX XXXXXX/XX/2022 and they was unable to provide me with a document with my signature on it. Stated it was for my step daughter. I am no longer married and not sure why this be on my credit. XXXX XXXX reported a XXXX balance on the XXXX of XXXX. Equifax has yet to remove it from my credit report. XXXX collections is sending me a document stating a XXXX balance. But my complaint is with the fact that it is not being reported properly by Equifax.
Consumer complaint received 2022-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I reached out to Capital One Auto in regards to obtaining my title to refinance. The company stated there was no title on file. I purchased my car in XXXX of XXXX. I inquired why they would issue a loan if they did not have a physical title. No one knew the answer. I informed them I needed a copy of my title as I am entitled to it, in order to refinance my loan at a lower rate. I contacted them on XX/XX/XXXX and a rep stated they reached out to the car dealership and was looking into it. I called XX/XX/XXXX and a rep stated they have a copy of the title, but it would take some time switching the title from XXXX to XXXXXXXX XXXX. I also did not receive a copy of my loan terms in writing from the dealer of Capital One on XX/XX/XXXX when I financed the car. As of today, there has been no action taken by Capital One. However, I received an acknowledgement letter stating they are aware of my issue. They are dragging their feet with resolving my issue in a timely manner.
Consumer complaint received 2022-07-12
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: CURO Intermediate Holdings (TX)

On XX/XX/22, XXXX XXXX/CURO from XXXX XXXX XXXX XXXX XXXX XXXX XXXX made an unauthorized hard inquiry on my credit. I never authorized this company to check my credit. I never heard of this company before. 

On XX/XX/22, I recevied a credit alert from XXXX XXXX and my bank. That is how I found out about this fraudulent hard inquiry. 

On XX/XX/22, I reported this fraudulent activity to XXXX 's account fraud dept. XXXX told me to file this fraud report with CFPB/FTC, and contact XXXX XXXX to report the issue and request an explanation. I also called XXXX XXXX, and spoke with a customer service employee. She transferred my call to their account management dept. An answering machine picked up my call, and I left a voice message.
Consumer complaint received 2022-10-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MN)

this is a follow up from a complaint that I filed 5 months ago. but from an issue 12 months ago. 

My previous complaint was : I was impacted by Covid pandemic and I began a forbearance plan XX/XX/XXXX to XX/XX/XXXX. Before it ended, I applied for a loan modification in XX/XX/XXXX. I was approved for a loan modification for 3.1 % which would bring my mortgage down from {$2200.00} to {$1700.00}. XXXX also applied for the home assistance fund. They payed {$30000.00} in XX/XX/XXXX brought current and wouldn't allowed me to get a loan modification and that my issue was resolved. They would not allow me to file another pandemic modification so I had to do a normal modification. I sent in 80 plus documents and the pandemic documents needed none. I was denied because of a {$140.00} food stamp. I should have been approved. I have called over 30 times and received 2 call backs. I called HUD and FHA recourse center. I believe XXXX XXXX is obligated in assisting with my loan modification but are unwilling to do so. I can not reach anyone and when I do, they tell me a supervisor will call me back but they never do. It is frustrating to have to deal with this each time you try to call them. 

... .within days of me filing this initial complaint, I got a response from lakeview and after a slew of deceitful attempts to INCREASE my interest rate, I was finally to the point I was at XX/XX/XXXX with my approved interest rate and payment. I was once again approved for a modification with 3.125 % and a {$1700.00} payment that was approved XXXX but supposed to start XX/XX/XXXX XXXX middle of XXXX I reached out to lakeview because I did not recieve my mortgage statement and online it was showing a different payment amount. XXXX from XXXX reached out and said that the loans are only bought out a certain day of the month and I will recieve a bill when it is due. I also reached out XXXX to pay my mortgage and was told I could not. it was a waiting game until I got a letter a couple weeks ago saying I was past due on my mortgage. I contacted lakeview and XXXX from XXXX called me mid XXXX and said that I need to pay {$6000.00} ish ( from XXXX, XXXX and XXXX ) before they will even buy out my modification even though I had an executed copy of the agreement from lakeview furthermore, they increased my payment from XXXX to XXXX. I stated that I don't have {$6000.00} since I never received a bill and asked to pay my mortgage numerous times and was told I had to apply for a new modification with the current interest rates of like 7 %. I have been dealing with this for over a year now. they are so so so deceitful and I have caught so many lies that I am uncomfortable committing to work with a deceitful company for an additional 30 years
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (FL)

In according with the federal credit act 15 U.S. Code 1681i my right has been violated.

- Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller. 

The following complaint number are going almost within the 30 days period. 
Complaint numberXXXX XXXX
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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

See the documents attached.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill. and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to file a complaint against XXXX, XXXX, and Experian regarding the inaccurate information on my credit reports that they have failed to remove despite my numerous attempts. 

Over the past year, I have written to XXXX, XXXX, and Experian eight times requesting that they update my credit report to reflect only my current and accurate personal information. However, despite providing ample documentation, including my driver 's license, Social Security card, and recent pay stub, the credit bureaus have failed to remove the old, outdated, and incorrect information from my file. 

Specifically, my credit reports continue to list multiple, inconsistent addresses and outdated employment and contact information that do not accurately represent my stable financial situation. This incorrect data could severely impact my creditworthiness and hurt my chances with potential lenders or employers. 

I have made every effort to resolve this issue directly with the credit bureaus, but they have been unresponsive to my concerns. The persistence of these errors is causing me significant stress and concern about the potential negative consequences to my financial standing. 

I kindly request that the CFPB intervene and compel XXXX, XXXX, and Experian to immediately update my credit report to reflect only my current, verified personal information. This includes listing my correct address, employer, and phone number, and removing all outdated and inaccurate data. 

The credit reporting agencies have a legal obligation to maintain accurate information in consumer credit files. Their failure to do so in my case is unacceptable and I hope the CFPB will take appropriate action to rectify this issue. 

Thank you for your assistance in this matter. I look forward to your response.
Consumer complaint received 2022-11-22
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX has violated my rights!!! 

16 U.SC 1681 section 602 A. States I have the right to privacy, 15 U, S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 ) 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. 

Also there are discrepancies with BOTH accounts on my credit report being : The date last reported, date opened, creditor names, and and neither of these accounts showing on my equifax. Within my right I can be compensated for these mishaps but prefer these accounts to be removed ASAP.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

I was offered {$450.00} bonus if I maintained {$50000.00} for 90 days. I did so and it was claimed that the 90 day period started 15 days after opening not after I funded it. This was not clearly laid out in the terms. 



Full Terms you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. 
Heres the full scoop on how to earn your bonus : Open a XXXX XXXX XXXX account between XXXXXXXX XXXX ET on XX/XX/XXXX, and XXXXXXXX XXXX ET on XX/XX/XXXX. When you open your account, ensure you enter in promotional code XXXX in the XXXX XXXX box. 
Deposit a total of {$20000.00} or more ( Deposit Amount ) of externally sourced funds ( transfers between Capital One accounts will not qualify ) within the first 15 days of account opening ( Initial Funding Period ). You will earn a bonus once youve maintained the Deposit Amount of {$20000.00} or more for 90 days following the Initial Funding Period. The amount of your bonus will be determined as follows : {$150.00} bonus The money deposited from an external bank during the Initial Funding Period was between $ XXXX {$49000.00}, and you maintained that Deposit Amount for 90 days. 
{$450.00} bonus The money deposited from an external bank during the Initial Funding Period was {$50000.00} or more, and you maintained that Deposit Amount for 90 days. 
Capital One will deposit the bonus into your account within 60 days after you have completed all the requirements above. 
If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. If at any time during the 90 days following the Initial Funding Period your Deposit Amount drops into a lower tier, you will be rewarded that tiers cash bonus. If your Deposit Amount decreases to an amount less than {$20000.00}, you will not qualify for a cash bonus. This account is subject to approval. This offer can not be combined with any other 360 Performance Savings account opening offers. Only one promotional code is accepted. Bonus is only valid for one new 360 Performance Savings account. The amount of your bonus will be reported on IRS form 1099-INT to the IRS ( and your state revenue authority , if required ).
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (CA)

In XXXX I opened a Google Pay account. From my credit card I put {$30.00} into my Google pay account in that same year. In XXXX of XXXX I received an email stating there was a problem in my XXXX account. Today, XX/XX/XXXX, I had the time and followed a link in the email. In the link I was to provide more information, namely a photo image of my Government issued ID. I do not feel comfortable sending anyone, including XXXX, an image of my ID. I contacted customer service through their chat and informed them of this. They stated in so many words that I have to give them my ID otherwise the account will remain suspended. I informed them that I did not have to give ID to open the account. If I had to, then I would not have opened the account and that I want the return of my money in the account. They said it is their policy to not give " refunds '' and the money would remain in the account until I give them my ID and they reactivate the account. I told them I no longer want the account. They tell me I still need to give them ID so they can reactivate it. I asked numerous times for proof as to where it was written in their XXXX at the time of my opening the account that I would have to provide ID in the future. I got no answer to that or any other of my direct questions regarding what may, or most likely not, is written in their XXXX. I was told they could not give answers due to security. How is their providing me with anything supposedly written in their XXXX, a security risk? 
I did look in their XXXX  what they have written as of today and under " google pay '' it is written, " In certain cases, we may require such identifying information and that you activate a Google Pay Balance for you to continue using Google Pay. If you decline to provide such identifying information or we are unable to verify such information, we may decline your attempted transaction, suspend your access to Google Pay XXXX Service, or suspend your Google Pay or XXXX account. If we suspend your Google Pay or XXXX account, we will provide any held funds to you to the extent permitted by law. '' They did NOT give me any reason as to why at this time this is a " certain case '' all of a sudden. I have {$30.00} Google pay balance since XXXX. There is NO transaction involved. And in XXXX own words, " If we suspend your Google Pay or XXXX account, we will provide any held funds to you to the extent permitted by law ''. 
XXXX has suspended the account, BUT REFUSE to provide the return of any held funds.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GLA Collection Company, Inc. (KY)

I broke my lease 1 month early and moved out of the apartment I was renting. The apartment complex then sent my remaining balance owed to GLA collections. My lease was up in XX/XX/2021. I moved out in XX/XX/2021. GLA collections then started reporting my balance owed to the credit bureaus on XX/XX/2021. In XXXX of 2021, they started reporting the same balance to the credit bureaus. Only this time with a different account number. I have tried to dispute this duplicate account, but every time it comes back as verified and accurate when in fact it is not accurate.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Car Credit Solutions, Inc. (MO)

We have a car with Car Credit of XXXX it is a XXXX XXXX the total price was just over {$21000.00} or something like that base off our credit report. we are at the end of our loan and 2 months ago we had {$1100.00} left to pay. our payments come out every two weeks in the amount of {$290.00}. after two months we still have over {$800.00} left. thats 4 payments totaling {$1100.00}. We asked for a break down of payments vs total amount and they will NOT give us that information. My husband was the first to ask and he is authorised on the account and everything but nothing. I put him on the account for a reason and they wont even honor that let along asking for a detailed break down. We feel like they are stealing from us and if we stop payments they will shut our ONLY way to work. Please help.
Consumer complaint received 2022-07-13
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$490.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} "
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TX)

I lived with my grandfather for a short period of time and he would have drug users come in and out of the home we shared. This is not my credit card and I never had a credit card with them. I used a mailbox for 2 years during the time they said this was opened.