davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (WV)

XX/XX/XXXX : Filed dispute through Equifax due to a credit card balance and credit limit being reported incorrectly. Equifax specifically states that a dispute will not lower your credit score. 
XX/XX/XXXX : Equifax notifies me that investigation of dispute is complete and report is available. Result of report is in my favor, lowering the credit card balance and increasing the credit limit. Both being positive credit actions. 
XX/XX/XXXX : Equifax decreases my credit score XXXX points from XXXX to XXXX with the reasons of " credit card limit increased by {$400.00} '', " credit card balance decreased by {$700.00} '', " payments made on time '', " account information changed ''. 
XX/XX/XXXX : Equifax decreases my credit score XXXX points from XXXX with no additional reasoning. This takes my credit rating from the " XXXX  '' down to the " XXXX  '' tier. 
XX/XX/XXXX : I call Equifax and inquire about my score being decreased a total of XXXX points immediately after a dispute being completed and the reasoning being the direct results of the completed dispute. The Equifax agent stated " Disputes will not lower or have a negative impact on your credit score. There must be another reason. '' I quoted the reasoning shown and agreed that it should not have had a negative impact. I also stated that it should have increased my score. I advised the agent that I am preparing to make a large purchase in XXXX of XXXX and that this unjust score decrease will cost me thousands of dollars in extra interest over the length of the loan. I advised the agent that this unjust score decrease will cause me financial loss and damages. I also informed the agent that this appears to be a direct and retaliatory action by Equifax in result of my dispute. Furthermore, I advised the agent that my scores with the other 2 credit bureaus have either remained the same or increased, supporting my suspicion that Equifax is taking retaliatory actions against me over my dispute. The Equifax agent filed a complaint including all of this information. I advised the agent I would be filing a complaint with the CFPB, and if Equifax did not restore my credit score and credit tier before I make my major purchase in XX/XX/XXXX that I will take legal action after incurring financial loss and damages that they were warned of and given ample opportunity to correct.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I overdrew my checking account. I had sufficient funds in my money market account to cover the overdraft but the bank chose instead to take the funds from my overdraft protection line of credit and charge me interest. Their excuse to me was that my money market account was n't linked to my checking account. I had been told previously by local bank people that it would automatically come out of my money market account. I believe that this is a fraudulent practice by the bank to make more money at the customer 's expense.
Consumer complaint received 2016-12-05
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CURO Intermediate Holdings (TX)

These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.
Consumer complaint received 2022-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ID)

Deed was mis-recorded with just my name and not both my then husband and I. Home was declared and discharged in XXXX in 2009. I was told to move out and home was in foreclosure. My then husband joined the military shortly there after and was in XXXX. I moved out thinking it was being foreclosed on. Great, I could afford to live there and we did not want the house back. Years later I found out that I and I alone was sued by the hoa and bank had not foreclosed. I should have had SCRA protections but since my name was the only one on the deed I got sued. I have been defrauded over the last decaded, sued numerous times due to the deed being misrecorded. My now ex husband has been spared from any legal actions and this situation has caused no harm financially or emotionally to him. I have had to spend thousands in legal fees over the years. I had to file XXXX  last in XXXX because I am now XXXX because of an injury.. I am essentially homeless, but I do get a whopping XXXX a month on ssi. My bankruptcy is still ongoing because Ocwen is still lingering and I had to claim it as an asset. Ocwen is doing nothing with the property dispite letters from me from my attorney over the last decade trying to get this off the books and do a deed in lieu of etc. I either get no response or re-fi paperwork and a copy of the original mortgage paperwork where my ex husband and I closed on the property. This situation is simply ridiculous and I believe that it has violated my rights in numerous ways as well as causing me irreparable financial damage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-31
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. (SC)

In accordance to the Fair Reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

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

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681C ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anti dates 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.
Consumer complaint received 2020-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One 360 frequently removes my phone number for 2-Factor Authentication disallowing online access. Their policy is to only use phone numbers with name-associated billing accounts as a security measure. 

Customer service representatives are unable to update the number, thus leaving me locked out of my account. Since this is an online only account, this disallows actions while still retaining the account balance.
Consumer complaint received 2022-12-31
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)

Clarity Services is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (OH)

To Whom It May Concern I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
I do not have accounts or debt with the following creditor therefore I am requesting the original purchase agreement with my signature. Also provide documentation that show you are the legal owner of this alleged debt as well as all terms and conditions. If such can not be provided I request IMMEDIATE deletion off my credit report. 
XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX -XXXX ( XXXX XXXX XXXX ) # XXXX Also, Upon research the following Debt Collectors are not licensed to even collection in my State which is XXXX  ( see attached ) furthermore is a complete violation of my rights and THE LAW. Prompting IMMEDIATELY REMOVAL from my credit profile. 
Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for your time and attention to this matter
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (SC)

Had XXXX old accounts from credit card companies. By statute under FDCPA they are to come off after seven years from date of last payment. Both XXXX and XXXX removed the inaccurate data no problem. Equifax has investigated it for 30 days and reported the same information. I told them last payment on accounts was XXXX 2009 and asked them for proof from the collection companies who bought the debts. Both of them replied the date of last payment was different month. I again stated to Equifax to provide a payment history from date of default showing last payment. Both collections companies have not done this and frankly can not supply this information as requested,. 
If these collection com [ anise can substantiate their position fine, but nether one has the resources of information to back up their claims.
Consumer complaint received 2016-10-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (OH)

This is a collection agency that I have never entered into any type of contract with. The original account was opened by someone else and the original creditor has been contacted. I have zero business relationship with this company. I have also contacted them on XXXX accounts asking for a validation of signature to prove my contractual relationship with them. They have reported this inaccurate information to all XXXX credit bureaus and it has impacted me financially. I want to save court as the last resort, however, I will take that route because this error on my credit file is costing me a lot more money due to increased interest rates and such.
Consumer complaint received 2016-12-05
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Ad Astra Recovery Services Inc (TX)

These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.
Consumer complaint received 2022-12-31
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. (TN)

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

XXXX XXXX  Account # XXXX XXXX  XXXX Account # beginning with XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX  XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX  Account # ending in XXXX XXXX Card Account # beginning with XXXX XXXX XXXX XXXX XXXX Account XXXX beginning with XXXX XXXX  XXXX XXXX  Account # beginning with XXXX XXXX XXXX Account # beginning with XXXX XXXX5 U.S.C 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. I did not give them 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.
Consumer complaint received 2022-12-31
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. (PA)

TransUnion is the only credit reporting agency that didnt honor my report with the FTC and police report. These Identity theft accounts that remain still open on my TransUnion report. TransUnion was the only reporting agency that didnt remove the fraudulent, Identity thief accounts on my report. Can you please help me in this matter these accounts obtained are Unfortunately harming my livelihood.
Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Marcadis Singer PA (FL)

Marcadis Singer PA is in violation of my federally protected consumer rights according to 15 usc 1692e ( 3 ) a debt collector, in collecting a debt, ( Which Marcadis Singer PA is trying to collect an alleged debt ) may not use any false, deceptive or misleading represent or imply that he or she is an attorney or that communication is from an attorney. 

Further, as per judgement made in the case of XXXX XXXX XXXX XXXX XXXX XXXX, the provisions of the Fair Debt Collection Practices Act applies to attorneys who " regularly '' engage in consumer- debt collection activity, even when that activity consists of litigation. Thereof, as per judgement mentioned herein, your firm is liable as a debt collector.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I called XX/XX/XXXX to refund the payments I made with my student loan with my loan servicer MOHELA and the refund amount that was requested was {$21000.00}. The MOHELA representative said it would take XXXX days for it to reflect on my bank account. 

I called again XX/XX/XXXX with MOHELA to follow up as I have not received the amount of refund I requested for after waiting. The representative then says they are backed up and it can take another XXXX more days as the previous representative did not process my request. 

I called again XX/XX/XXXX with MOHELA to follow up and they said I should be receiving it soon and even waited XXXX additional hours to speak to manager for her to leave a note on my request as I told her I had other payments that needed to be paid before the new year and she said it should be coming in sometime this week. 

I called again XX/XX/XXXX with MOHELA to follow up and they said that the Department of Treasury is still processing my request. I have become upset and told them that my personal payments are overdue and now interests have accrued that I should have not owed as MOHELA did not handle my request properly and continues to tell me the same thing over and over and wait after I have been waiting for longer than the time period I was told that the money was going to come.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hello CFPB Team my credit score report is showing a lot of incorrect information such as incorrect payments credit card balance when the acount is been payoff in full, debt collections, incorrect payment history, late payment, credit balance and no credit score improvements for the last 4 months. 

Thank you very much and i look forward for a possible solutions about this issues.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I was billed three times for a service, XXXX, and submitted to TD Bank a request to have two of the charges removed from my account. In violation of XXXX XXXX rules and the XXXX XXXX XXXX, the bank decided to credit all three charges to the merchant, and not refund my money. In the process some {$580.00} in bank fees were accumulated and my account was closed as overdrawn at {$380.00}. All of this is entirely due to the revocation of credits I am legally due regarding XXXX 's overcharging my account. A month after my account was closed, XXXX cancelled my account and has now retained, in violation of XXXX XXXX rules and the XXXX XXXX XXXX, all three charges for services never performed. XXXX XXXX XXXX is a collection agency hired by TD Bank to get money out of me that is not owed legally.
Consumer complaint received 2022-12-31
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NY)

I sent out an Identity Theft Report letter to the Credit Reporting Agencies on XX/XX/2022 under the suspicion that my identity has been stolen and used without my express consent. I sent out this letter and since then many items on my consumer report have been removed/deleted like requested. Currently my consumer report does not look the same at all across the board ( XXXX, XXXX, XXXX ) and almost all of the accounts requested have been removed. 

On or around XX/XX/2022 XXXX ignored the fact that there was an ongoing investigation of the validity of the accounts they insist on reporting and collecting an alleged debt from, insisting on not only the accounts but also report late payments. This is against the law. 15 USC 1666 ( b ) states that they can not report late payments to my consumer report. XXXX has also been calling non-stop in an attempt to collect a debt unlawfully on since on or around XX/XX/XXXX even after sending them multiple verbal and written communications to cease and desist. I did not give them my express consent to call me. They have been calling from suspicious, unknown telephone numbers and it seems that they will not stop. This is causing me stress/anguish. Please expedite this response as this is an urgent matter I'd like to get taken care of immediately.