davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One acct in XXXX XXXX balance was {$5000.00} payment of {$50.00} was made a week before due date. XXXX bill arrived and balance was {$5000.00} now payment is {$130.00} due to added interest of {$86.00}. It was very misleading that new payment would be XXXX XXXX of balance + interest. This is taking advantage of senior citizens
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

I was in a Covid-19 mortgage forbearance plan for 12 months and began repaying the mortgage in XX/XX/2021. I made my first mortgage payment online using the one-time online payment option, URL is https : //www.mrcooper.com/servicing/payments/onetime/new. However, now that I am in the repayment plan, that link no longer is functional, and I am no longer able to make payments online. The payment links on their website simply do not work and I can not get any help from their customer service department as to why it is not working. My loan was transferred from the previous servicer after I applied for mortgage forbearance and this new company, Mr Cooper, has just been an absolute nightmare to deal with. I need to make my mortgage payment but it feels like they are purposefully setting me up to fail.
Consumer complaint received 2023-03-14
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: CURO Intermediate Holdings (SC)

In accordance with The Fair Credit Reporting at, this creditor has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 a ( 2 ) States consumer reporting agency can not furnish an account without my written instructions. 15 USC 166 b state a creditor may not treat a payment on a credit card account under an open-end consumer Credit plan as late for any purpose.
Consumer complaint received 2023-03-14
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: LEXISNEXIS (GA)

I am writing this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2020-05-12
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. (AR)

After numerous disputes and method of verification requests Experian still verifies information reported from XXXX XXXX as accurate. 

XXXX  and XXXX  both deleted information reported from XXXX XXXX from my credit reports after they could not provide information on what they based their reporting on. 

I sent them copies of certified mail receipts where they did not respond to my M.O.V. request within the required times and where they committed several Fair Credit Reporting Acts violations and they still continue their willful noncompliance. 

Enclosed are copies of some of my correspondence with them.
Consumer complaint received 2022-12-22
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. (NJ)

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. 

Account name : XXXX # XXXX, account name 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 XXXXXXXXXXXX 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX 

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 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX, I received a letter from Citibank in regards to my secured credit card account. The letter basically stated that my secured credit account still needs a XXXX XXXX Account attached, in order to remain open/to be renewed. I called CitiBank multiple times in regards to why this requirement was still needed for my credit card account, but no one has given an answer. 

When this account was opened in XXXX of XXXX, multiple representatives of Citibank told me that if I managed my card properly and made on-time payments, my card would graduate to a regular/standard credit card that did not need collateral. Being that I've never missed a payment on my account, I've always paid the balance off in full every month and the card is in good standing, I don't understand why the card did not graduate into being a regular card instead of still being required to have the collateral account for another 12 months. On XX/XX/XXXX, I asked multiple representatives why this happened and no one gave me an answer, 1 representative disconnected the call, while another representative told me that they didn't know why, but someone would possibly give me an answer within 7 to 10 business days. Citibank isn't honoring what they said they would do and they need to do that.
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

In XXXX of XXXX, I received a negative report on my credit report. I filed a dispute with the three consumer reporting agency 's and contacted Common Wealth Financial Systems to let them know, that they have the wrong person. My name is not ( XXXX XXXX XXXX ). The Employee at Common Wealth Financial Systems said it was a mistake and they would remove it. The Three credit companies removed the negative report on my credit report. 
On XX/XX/XXXX i received a statement from Common Wealth Financial Systems & XXXX XXXX XXXX, XXXX. whom sent an itemized list of the bill in question. The individual XXXX XXXX XXXX lives in XXXX Tx. 
XXXX XXXX XXXX : Born XX/XX/XXXX XXXX XXXX XXXX : Phone # XXXX XXXX XXXX XXXX XXXX XXXX : Hospitalized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX XXXX : Charges {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX I am contacting the Consumer Financial Protection Bureau to help in this matter. These two Incompetent XXXX Companies have the wrong Person, Name, Address, City, Age, Phone #. I would like for CBFP to investigate these erroneous illegal acts from these two Companies.
Consumer complaint received 2022-10-18
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. (OK)

XXXX sent letter to Equifax. An account XXXX XXXX listed on my credit report as a charge off but listing an balance. This is falsely manipulating the status of limitations, which is a FRCA violation. This item should have been deleted from my report for inaccurate reporting. 

Only received a notice that report was updated. I show no change in my report and account should have been deleted.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX, someone hacked into my XXXX account and made a purchase for {$220.00}. This purchase was paid for with a {$99.00} merchandise credit and {$120.00} billed to my card. Capital one immediately refunded me the {$120.00}. XXXX eventually credited me back {$110.00} in two separate amounts of {$57.00} which was the equivalent of the {$99.00} plus tax and shipping. Capital one rebilled these two credits to my account thinking they were owed to them as part of {$120.00} they had credited to me. I immediately contacted capital one to inform them that they were not correct and that this was a refund from the merchant for a previously returned merchandise. They asked for me to send documentation in XX/XX/XXXX which I did. I sent communication from the merchant to verify the validity of my refund. On XX/XX/XXXX, capital one did a transaction re-bill of the amounts {$57.00} x 2. They did not Notify me of this. I have contacted Capital One and have not been offered a refund of the error they are making.
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

1 ) I believe that my mortgage account with SLS is being mishandled and miscalculated. 
a XXXX My mortgage was with XXXX XXXX and my payments were {$490.00}. XXXX XXXX assigned my mortgage to SLS a few years ago ( maybe XXXX ago ). On the second year they raised the amount {$160.00}. They claim they miscalculated my property taxes. I understand that this could happen, but I believe their amounts are incorrect. 

b XXXX XXXX weeks ago I called them to let them know that I purchased cheaper home- owners insurance ( as a heads up ). And, two payments later my payment amount has NOT changed. 

c ) I have a XXXX {$30000.00} balloon. XXXX XXXX explained that the amount will not change or collect interest. But, after speaking to SLS rep that amount has changed. 
2 ) I am exhausted and unsatisfied with the whole process.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (CA)

Dear Cfpb, I am writing to inform you that ACIMA DIGITAL FKA SIMP debt collection practices are in violation of several laws, including the Fair Debt Collection Practices Act ( FDCPA ) and California state laws. 

Firstly, ACIMA DIGITAL FKA SIMP agency has engaged in false representation by misrepresenting the amount of debt I owe, threatening to take legal action that you can not legally take, and using deceptive tactics to intimidate and coerce me into paying. This is a clear violation of the FDCPA, which prohibits debt collectors from making false or misleading statements in an attempt to collect a debt. 

Secondly, ACIMA DIGITAL FKA SIMP agency has threatened to sue me in a non-home state, which is also a violation of the FDCPA. The law prohibits debt collectors from threatening legal action that they can not legally take, and from initiating legal proceedings in a jurisdiction that is inconvenient for the consumer. 

Finally, ACIMA DIGITAL FKA SIMP agency has violated California state law restrictions on debt buying and selling. The law requires debt buyers to be licensed by the state and places restrictions on the types of debts that can be bought and sold. It appears that your agency has purchased my debt in violation of these regulations. As well as threatening to illegally seize property. 

I demand that you immediately cease all collection efforts and remove any negative information from my credit report. Failure to comply with these demands will result in legal action being taken against your agency. 

Please be advised that I am aware of my rights under the FDCPA and California state law, and I will not hesitate to take legal action if necessary to protect those rights. 

Sincerely, XXXX
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion and XXXX  are inaccurately reporting the payment history of my student loan account. I have been enrolled in school and is erroneously reporting late payments. I sent Transunion and XXXX   documentation from the loan service provider verifying that my loans were under forbearance for the time period the loans are reported late. Transunion removed the late payments initially but placed them back on my report without notifying me. XXXX  never responded to my request. Transunion and XXXX are violating the law by reporting inaccurate information.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After over 20 years of having accounts with Bank of America ( BoA ), BoA decided to close all of my and my business accounts with only a 30 day notice. They also cancelled my credit card immediately without notice. I tried to obtain an explanation from BoA, they would not provide one. We opened our business accounts at XXXX XXXX XXXXXXXX XXXX now they have just informed me that they too will close all accounts on XX/XX/23 with explanation. I may have to close my business because of these actions. I need to know what is the issue.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Solar Mosaic LLC (AR)

Mosaic : Solar panel loan, has been auto-drafted from my account for over a year. I was not notified that there were any issues with the auto-draft. 3 months passed before I got a letter in the mail saying we owed over {$800.00} to mosaic. I immediately researched my bank account statements and noticed the payments have come out in 3 months. I immediately tried logging in to the mosaic loan portal. Access was denied. I sent an email to the company asking about the past due balance and my account not letting me access. Case no : XXXX. These emails occurred on XX/XX/2023 and XX/XX/2023. I have not received a response from either inquiry. I had no idea the auto draft wasnt happening or the loan was defaulted. I have made every attempt to contact Mosaic but they refuse to speak with me and want me to communicate only with the debt collector. I have received zero written communication from the debt collector. My address was not accurate in the mosaic system. They were saying my physical address with the state Arizona. I live in Arkansas. But we use a XXXX XXXX XXXX We havent been properly notified.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

In XX/XX/XXXX, I contacted PennyMac to request a forbearance plan. This was requested due to a reduction of income due to Covid-19. Additionally, while I was on the forbearance plan I was consistently told that there would be no credit reporting. In XXXX of XXXX my loan was submitted for a streamlined modification and this modification was approved. Again, I was told that this modification would not impact my credit and that there would be no credit reporting. 

However, on XX/XX/XXXX I realized that PennyMac had submitted a 120 day late notice to the credit bureaus. I have called several times since XX/XX/XXXX and was told that this should not have been reported to the credit bureaus and that it would be removed. I was promised a call back with 48 business hours but never received one. 

Today, on XX/XX/XXXX, I called PennyMac and was told that they would not remove the credit reporting because my modification was not setup as a Covid-19 modification. I believe this is an error as my loan should have been setup as Covid-19 forbearance/modification. Also, for the entire time I was in forbearance, I was told that no late payments would be reported to credit bureaus. 

I believe PennyMac needs to correct this because ( XXXX ) they did not setup my loan correctly as a Covid-19 forbearance plan and ( 2 ) they consistently told me that no credit reporting would happen during many of the calls I've had with them since XX/XX/XXXX. 

Sincerely and appreciatively, XXXX XXXX
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMO Bank, N.A. (IN)

I called BMO on XX/XX/XXXX to request a mortgage payoff amount. BMO told me on the phone the payoff letter would arrive in a couple of weeks and for me not to pay my monthly mortgage as it would change the final amount. I waited for the letter but it never came. On XX/XX/XXXX, I requested a refinance from my bank for an auto loan as I needed a score of 750 or higher to qualify for the low rate, however BMO reported that I missed my XXXX payment and my score dropped nearly 100 points and I was denied for the loan. I wired the payment in the BMO that very day. I called BMO on XX/XX/XXXX to submit a dispute on the matter. They verified my email address and mailing address at that time. I have called BMO three times over the past few months to request a status of the dispute. Each time they told me someone would call me back but I never received a call. I called BMO again on XX/XX/XXXX to request another mortgage payoff letter. I again waited and NEVER received the letter in the two weeks they told me it would take to arrive. Covid came and I decided not to pay off the mortgage and would continue making payments in case I needed the extra money for emergency use. I have paid BMO two additional monthly payments this month proving I have the funds to pay them. Today I talked with a BMO representative and stayed on the line until they sent the letter to my proper email address. After I finally received the denied dispute, BMO simply says in the letter " The XX/XX/XXXX bill was not satisfied until XX/XX/XXXX. The late mark is valid ''. My aim is to get the late payment mark removed to restore my good credit rating. I feel I have done nothing wrong and BMO has denied my dispute without proof.
Consumer complaint received 2023-03-14
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. (FL)

I reached out to Experian about several inaccurate late payments that were reporting on my consumer report on XX/XX/XXXX there where 4 on my report, according to 15 USC 1681A ( 2 ) ( a ) ( i ) It states *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, consumer law states transactions are not part of a consumer report and so they deleted them and updated my consumer report on the XX/XX/XXXX because I had gotten an alert my score went up XXXX points then today they put them back on I think its because I filed a complaint with you guys about them not updating the other disputes about the fraudulent inquiries that they refuse to correct all Im asking is for them to follow the laws in place consumer laws that is there taking this personal all my disputes are valid and within the law its nothing Im making up I just studied my consumer laws and I have the right to dispute inaccurate information that they are choosing to report XXXX XXXX Account XXXX XXXX | Date opened : XX/XX/XXXX, XXXX Late Payment Reported XX/XX/XXXX, XX/XX/XXXX XXXX XXXX| # XXXX Date Opened : XX/XX/XXXX | Late Payment Reported : XXXX XXXX XXXX XXXX  | Account # : XXXX Late Payment Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX | Account # XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (PA)

blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).