davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights, XXXX XXXX XXXX  # XXXXXXXX XXXXXXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX 

15 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
Consumer complaint received 2021-11-11
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. (TX)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AZ)

My Chase Preferred Visa credit card bill for XX/XX/XXXX was {$210.00}. I paid {$210.00} on time. I was assessed an interest charge of {$9.00} on my XX/XX/XXXX bill. On my bill of {$1000.00}, I paid {$1000.00} on time. My XX/XX/XXXX bill of {$120.00} included an interest charge of {$9.00}. 
I have been charged {$18.00} for two months of interest on {$0.00}.

Chase waived the charges but could not tell me how they came up with these charges.
Consumer complaint received 2020-08-12
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$76.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX XXXX {$6200.00} XXXX XXXX XXXX XXXX {$530.00}
Consumer complaint received 2020-08-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX and XX/XX/2020, I filed a dispute with the Three major credit bureaus Experian, XXXX  and XXXX  about the unverified account : XXXX XXXX acct # s XXXX and XXXX In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of XX/XX/2020. Thank you
Consumer complaint received 2020-08-12
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. (CO)

I have 6 XXXX  XXXX XXXX accounts that are inaccurately reported with Experian. I have tried multiple times to correct, requested method of verification, etc with no results. The issue has been fixed with the other credit bureaus. Experian continues to report late payments when there were none-the account was in an approved forebearance due to medical Issues. An example of the error is that it will report ok payment history for 3 consecutive months, then report a 90 day late. How can it be 90 days late if it was ok the month prior. There are also several months of ND or no data reported, which is inaccurate.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (SC)

I have sent several letters to the credit bureau and XXXX, the company who keeps sending collection letters and this account is also on my credit file but I never had a Credit card from XXXX. I shouldnt be liable for a debt that I didnt make.The balance is {$1900.00}
Consumer complaint received 2021-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (LA)

XX/XX/2021 Caine & Weiner was sent a debt validation letter along with a cease and desist letter through certified mail. Ive requested proper validation pursuant 15 usc 1692g of the FDCPA. Ive also requested to see a contract between Caine & Weiner and I showing that Ive agreed to pay an alleged debt. I did not consent to, authorize nor benefit from Caine & Weiner account on my consumer report.
Consumer complaint received 2022-02-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CO)

I began the process of lowering the interest rate ( Interest Rate Reduction Loan/IRRL ) on this account in the XXXX XXXX timeframe. The IRRL is a rate reduction and term program that is simple with no appraisal and no income required. They had me fill out the required income, pull a hard copy of my credit score, and had me fill out incorrect paperwork. I did the " closing '' signed all the documents ; however, because of the pandemic forbearance, Mr. Cooper nullified the agreement after the closing, after the fact. In XXXX I continuously asked for the interest to be lowered, they denied it several times. Finally, in XXXX of XXXX, Mr. Cooper advised that I had to fill out a " loan modification '' to get the interest rate lowered. I paid Mr. Cooper {$58000.00} in XX/XX/XXXX. I asked again and applied for a lowering of the interest rate. I filled out paperwork, again, and was denied again because they said the VA would not allow me to do this. 

I paid over {$35000.00}. in interest for XXXX. I went to another mortgage company that successfully lowered my interest rate and bought out the loan from Mr. Cooper. Mr. Cooper 's failure to grant me the lower interest rate meant that I paid too much money that I did not need to. They falsely claimed I was not qualified when I was. They took so much money from me when my husband was sick ( and consequently died ) when a pandemic was devastating us health-wise and financially. 

Mr. Cooper denied my requests for 2 years stating that I was NOT qualified when I was. 

The fact that another mortgage company easily processed my IRRL and did not have an issue with it or the VA demonstrated that Mr. Cooper was making a lot of money off of me and knew it could be done, but they chose to falsely claim that the VA denied it or that my credit was not sufficient, which they did a hard pull on my credit that they did NOT need to. They were deceptive in their practices by false claims.
Consumer complaint received 2022-06-23
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. (CA)

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

15 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 an account without my written instructions.
Consumer complaint received 2022-09-20
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, Dept of Ed/ XXXX XXXX XXXX XXXX has violated my rights. 15 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
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (MS)

Per federal my syates laws, you must affirm and confirm any and all allegations of claims yet still unproven which all three credit bureaus havent been able to do.I requested for them to provide me with all of the4 information they used for their investigation, as required by FCRA 611 ( a ) ( 7 ) and requested that they delete the negative item as original requested.
Consumer complaint received 2020-08-12
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 — Investigation took more than 30 days
Company: John C. Heath, Attorney at Law, PLLC (NV)

This is the third time I've tried to get ahold of Lexington law to comply with their letters and documents that they sent me on my issue. D actual nation and getting from the attorneys at Lexington XXXX  getting verbally that there not requesting me to be a client again. I'm a consumer with consumer rights and I have an issue with Lexington law as far as the making me a client with their product. I have documents showing that they have requested that I had Liberty to go ahead and reissue a new client relationship and to have declined me verbally.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX XXXX-Balance {$0.00} XXXX  XXXX-Balance {$1400.00} XXXX XXXX XXXX-Balance {$2100.00} XXXX-Balance {$780.00} XXXX-Balance {$1700.00} XXXX-Balance {$1100.00} XXXXBalance {$1200.00} XXXX-Balance {$1700.00} XXXXBalance {$1700.00} XXXXBalance {$810.00} XXXX XXXXXXXX-Balance {$340.00} XXXX  XXXXBalance {$1800.00}
Consumer complaint received 2022-02-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (OK)

I co-signed on a car loan in that was opened XX/XX/XXXX. In XXXX of XXXX payments fell behind and the car was voluntarily surrendered to the recovery service until payments could be made. Ally Financial promised the vehicle would remain in the recovery yard located in XXXX OK. However, the vehicle was relocated to XXXX XXXX and in transit was damaged. 

I was informed by the XXXX XXXXXXXX Auction facility the vehicle was scheduled for auction and a hold was not placed on the vehicle. I was forced to obtain the receipt of payment, acquire a satisfaction letter from Ally Financial, and provide the proof in person to the auction service in order the remove the vehicle from the auction sale bill. 

I was forced to lose an entire day of work in order the rescue my property from illegal auction. I have contacted Ally hundreds of times to satisfy the claim or remove their claim from the credit reporting agencies to no longer slander my credit score. This is a malicious act on behalf of a massive lender who has failed to comply with a previous debt validation letter. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Thank you for looking into this matter. I wish you actually enforced something.
Consumer complaint received 2022-02-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (OH)

My mortgage company allowed me to go into the covid forbearance program. In XXXX of XXXX I reached out to advise I wanted to come of the forbearance and start making my reg payments! When I entered into this program I asked detailed questions about the process and was advised that it was very simple, no paperwork or anything would be needed! Well when I called in XXXX of XXXX, I was advised I'd get a call back with others! 
Come XXXX of XXXX, I still had not heard anything so I called and they advised I had a pay my due and paper work was fed ex to me! I advised I never got it and if they had a tracking number. I was then advised I'd get a call back! 
I got a call back and she had advised me the paper work never went out, and that she would work with them to reprocess everything! 
In XXXX of XXXX, I got a letter from my homeowners ( nationwide insurance ) that my home owners insurance had not been paid! I also, got a letter from my mortgage company advising me that I they were going to force new insurance because my policy had not been paid! I call them and the escrow XXXX comes back and says they will take care of it! 

Meanwhile the modification XXXX reaches out and says, that the original plan won't work because I had prev modification ( when my mother was XXXX XXXX and they needed a lot of paperwork, and wanted to process a full review, and that they had known this 4 months and just didn't call me or tell me! I finally get all request for paperwork for in XXXX! Meanwhile my home owners insurance pay my went out from my mortgage company but after the lapse date! I get a letter from them saying my insurance policy lapsed and now my mortgage company is saying they will do forced insurance! I'm so stressed with this process, they are not telling me stuff in a timely matter and if my home was to catch fire I'd have no coverage and if they make me get forced insurance then it could be less coverage and very expensive! I can't get anyone on the phone and they just seemed not want to help or take my calls! I feel like they are trying to make things hard on me! 
My mortgage company is Movement mortgage I took out the loan in XX/XX/XXXX My loan numbers is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX And this is my primary residence for myself and my XXXX children! I'm afraid they are trying to take my home or something
Consumer complaint received 2021-11-11
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: CITIBANK, N.A. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

3. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 48 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank closed my account and is not returning my funds and not giving me any recourse to dispute this with them. Over XXXX $ they have of my money. They had not communicated to me in writhing why they are doing this.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

On or around XX/XX/XXXX I received my debit card for a newly opened Chime account. I transferred approximately {$450.00} into that account that was to be used for my upcoming tuition payment. On XX/XX/XXXX I used my new debit card for a fuel purchase at XXXX to ensure my new debit card was functioning properly as I planned to use it for the upcoming payment. Immediately after getting fuel, I drove to XXXX, TN for a work event that lasted several days. I returned and went to pay my tuition but received a notice that my account had insufficient funds. Upon logging in, I saw that {$390.00} was spent by someone who stole my debit card and was not authorized by me. I immediately reached out and started a dispute. I called and emailed for updates and to provide additional information if needed multiple times during the following weeks and was always told the same, scripted answer. Nothing needed from me, just wait. On XX/XX/XXXX, I received an email stating they concluded their investigation and would not give me the funds that were stolen back. The reason they listed in writing was that the charges were made in proximity to my fuel purchase and I had recently deposited funds into my account prior to the fraud. I asked to reopen the investigation and sent documentation that I was working in XXXX when the majority of the charges were made and even provided my supervisors number. After submitting the additional information, the entire dispute disappeared from my online banking account. Over 5 emails were sent and never answered. I received an email today, XX/XX/XXXX, stating they made a decision and stood by their initial stance that it was not fraud. I reached out to my supervisor and was told that he was not only never contacted, but when he called to verify I was working in a different state when the charges were made, they told him they didnt need his verification. Its clear they did not actual investigation and are not standing by their terms and conditions. I am planning to file against them in court to recoup my costs, but not being able to pay for my final class resulted in losing a dream job that was contingent upon my graduation. After doing some research, this banking institution has a clear pattern of failing to investigate fraud and frequently causes their customers to be out their hard earned money.
Consumer complaint received 2022-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (TN)

Process server pounded on my door after dark on XX/XX/XXXX. Left notice to contact them to deliver a civil summons docket number XXXX for XXXX XXXX credit card debt that I was unable to pay due to losing my job during Covid. Money judgement says {$4100.00} plus court and post judgment interest. The court date on the summons was altered and a federal holiday. I have tried to reach a settlement with LVNV & XXXX XXXX XXXX, but can not get any written documentation or return phone calls. Threatening language and intimidation tactics were used. I researched XXXX XXXX XXXX and LVNV and found they have countless complaints. XXXX XXXX XXXX was sued by the United States in XXXX and ordered to stop deceiving consumers and ordered to pay {$790000.00} in restitution for consumers. I simply want to reach a settlement in a professional manner, receive supporting written and legal documentation and have them delete this from credit bureau reporting. When I asked XXXX XXXX with XXXX XXXX XXXX for documentation, she said " That's not how it's done. ''
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are old an I no longer stay at these address an want them deleted them off my report
Consumer complaint received 2021-11-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank opened a savings account in my name. I found out when they sent a letter to my home saying they were going to close the account a month after opening the account. 
XXXX XXXX XXXX XXXX Texas had an application for a business loan in my name. They were in the process of denying it and take it off my credit report as a result of my conversation. 
XXXX XXXX was about to open a credit card in my name in New Jersey. I called and was able to get the account denied as fraudulent.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NV)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

ENHANCED RECOVERY CO is inaccurately and erroneously reporting iun. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.