davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - BALANCE {$110.00} - Date opened XX/XX/XXXX XXXX  XXXX # XXXX - BALANCE {$690.00} - Date opened XX/XX/XXXX XXXX # XXXX - BALANCE {$18.00} - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$14000.00} - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$9300.00} - Date opened XX/XX/XXXX XXXX  # XXXX - BALANCE {$5200.00} - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$460.00} - Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$570.00} - Date opened XX/XX/XXXX XXXX XXXX  # XXXX - BALANCE {$990.00} - Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-25
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. (NC)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (AL)

I was employed at XXXX XXXX owned by XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. Upon my time working there, I also lived on-site and had to sign an employee lease addendum that discussed my rental discount as well as giving me the option to either terminate my lease within 7 days or being fired/quoting or continue using the lease without a discount. Once I quit, I moved off of the property within the seven days. My previous manager sent my account to collections and since XXXX has refused to provide proper documentation of the employee lease addendum. I have emailed multiple times and I have called the office. When calling she has a leasing team member tell me " unfortunately. We no longer have your information on file. '' That is incorrect. By law the company is required to keep tenant 's paperwork on file for seven years in the event of any issues, collections, or rental verification.
Consumer complaint received 2022-08-25
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. (FL)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (CO)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Navy Federal Credit Union regarding a recurring issue with the processing of my check deposits. I have encountered a similar problem previously, and despite assurances from the bank, I find myself facing the same inconvenience once again. 

Details of the current incident : - **Check Amount : ** {$1100.00} - **Amount Delayed : ** {$910.00} - **Account Ending in : ** XXXX - **Date of Deposit : ** XX/XX/XXXX  I received the notice about the delayed deposit, citing concerns about the check 's collectibility based on confidential information. I want to emphasize that I have never experienced such delays with check deposits before, and this recurrence is deeply concerning. 

I previously discussed a similar matter with the bank, where they assured me that such delays would not be a recurring issue. Unfortunately, the current situation contradicts that assurance. 

This delay is causing significant inconvenience, and I am troubled by the lack of clarity surrounding the reasons for this recurring problem. I expect transparency and resolution in this matter, as timely access to my funds is crucial. 

I kindly request the Consumer Financial Protection Bureau to investigate this issue and facilitate a prompt resolution. Your assistance in addressing this matter will be greatly appreciated.
Consumer complaint received 2022-08-25
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. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I recently opened an account with Citi Bank. When I opened the account I was never sent the original debit card and account opening paper work. I had to have a replacement card overnight shipped to me. When the card arrived I had to log in online but when I did I had to use a different username then the previous one I had when I opened the account. I created the new username however when I tried to log into the account on my XXXX, the XXXX used my Face ID which was connected to the old password under an old username name. When this happened I called the bank on XX/XX/22 I believe to be the best date and they said that now I had to receive a letter with a reference number and then when I got the reference number I could call give them the number then my account would be unlocked. I was told the letter would take up to 10 business days. After that the letter did not come so I called the bank again on XX/XX/22 and they said all they could do was send another letter through the us post office and so I would just have to wait another 10 business days. It is now coming up on another ten business days and I still have not gotten a letter. On Monday XX/XX/22 when I called the bank and gave them all my identifying information, however when the conversation got to a certain point I was put on hold and then the person just hung up. I then called bank gave all the same identifying information to be told my account is under consideration for closure and the person told me they were hanging up on me. I have had three of my checks from work direct deposit into this account totaling XXXX dollars.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (WV)

I was accepted for a {$5000.00} loan for the first time so I chose XXXX XXXX to be the bank that I'd positive the loan company had told me that we need to do a test deposit of a certain amount for a promissory trustworthy note and I was to return the money that they deposited before they would deposit the full amount of the loan come to find out after they deposited the test deposit I tried to transfer the money back to the lenders they Citibank blocked my account for no reason no explanation I tried to call all that day the next morning I get a hold of the deposit department and I am informed that it is closed due to suspicious activity fraudulent activity not on my behalf but on the lenders from fast payday loan I have documentation that I had to sign agreement with the lender I also have text messages from the lender about the loan when I explained to XXXX   that I had no involvement in this fraudulent activity they still said that they was closing my case for future references not only does this ruin my credibility but it also ruins my credit I am appalled that they would help me for something I had no knowledge of due to this being my first time accepting a loan I was informed that we were to share our information of our banking account so they can deposit the loan I don't feel like I should be punished for somebody else 's criminal activity and that I think it's an unfair decision that they made and I would like a an apology and I would like to be unslagged and just taking off my credit report I'm a victim just as well as company is that these people were trying to defraud I have rights just as well as anybody else in this country I feel that XXXX  should listen to their customers more than protect their money because they are insured we are not
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7200.00}
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been infected by XXXX  XXXX this year and I reached out to capital one to obtain assistance with my payments. 
They are reporting past due payments during the time I have requested XXXX XXXX assistance due to me being hospitalized due to XXXX XXXX I started making payments soon as I was able this is not fair I can not get any help now because capital one reported these late payments on my account this is truly unfair its not my fault XXXX XXXX XXXX.
Consumer complaint received 2022-08-25
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

So I have been so much with mr cooper over the years. I was in forbearance and I was told after forbearance the past due would be put at the end of the loan. So after months of trying and trying the DEO of Florida which oversees the government back homeowners assistance fund finally approved me for my back pay and 12 months of future payments. Sent them the letter and I believe XXXX I think they are payee for DEO sent them the payment which took weeks and it just sat in Mr. Coopers account along with everyone else on this program. After all this it still shows me two payments behind XXXX and XXXX with XXXX due coming, what is the matter with them? I never dealt with such a XXXX  corporation in my life. Nothing else comes close. If you look at the payment history recently it is so confusing when you look at it. They cant even read it right I am sick of them controlling my life and it makes me XXXX  all the time. They always say they want to help you. But I always feel they get angry when your getting help and they want you to fail. I have been on XXXX XXXX XXXX in XXXX before and you would think someone would of watched it but I guess they didnt.
Consumer complaint received 2022-08-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (CO)

Hello, After Supreme Lending in XXXX, CO failed to secure a loan for us with the terms they committed to, I terminated my relationship with them on XX/XX/XXXX. They suddenly asked for 30 % down instead of 20 % down after stating the terms were acceptable. On their website, they also state that they specialize in jumbo loans with less than 20 % down. Fraudulent. 

In an email on XX/XX/XXXX ( attached ), I asked them to delete our personal data. Supreme did not respond to my request, and our personal data is still stored on their website as of this morning, XX/XX/XXXX. I am concerned they are going to sell our personal and financial records. A different mortgage broker has also secured a loan for us proving we are not the problem. Also, our new mortgage broker is unable to use the assessment done at the behest of Supreme Lending, so we also lost {$620.00}. 

We have excellent credit, high income, only revolving credit, and a high level of assets. The objection was that we had paid off our previous mortgage in XXXX, ahead of schedule. We have no car loans or student loans either. Our credit scores are each over 800. 

Supreme Lending is located at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, CO XXXX and has a phone number of ( XXXX ) XXXX.
Consumer complaint received 2020-02-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a loan for XXXX and paid back {$2100.00} then the company tried to take another {$790.00} in fees on the last month of payment installs. I said no, I have already paid back the {$1000.00} plus another {$1100.00} in fees and I was not made aware of another {$790.00} in fees until the last month. I stopped payment on my checking account because of this. This is over 500 % in fees to pay. This loan was from 2014 and I have been getting harassing and threatening calls ever since from various collection agencies and such and now they are trying to get another {$3000.00} from me! Telling me they are taking me to court, reporting my social security and even hitting my credit score in a negative way. I need for this harassment to stop
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (SC)

My financial planner called a Financial services provider and asked him for help about me being abble to access funds from a cash out loan on some investment properties that I own To do that, he pulled a credit report to see if I could meet the programs debt to income ratio requirements. 

After he pulled the report, I was inundated with constant calls from mortgage companies seeking to see how they could help. The reason for this is because Equifax, XXXX, and XXXX ( the three credit bureaus ) - WHO MY FINANCIAL SERVICES PROVIDER PAID TO GET MYCREDIT REPORTS- have sold my information to a bunch of mortgage people, as leads for soliciting my business. This should be completely outlawed on multiple fronts : First of all, I paid for the credit bureau information and report, not he mortgage lenders. Secondly, these credit bureaus received information about financial activity that I wanted private, and have thus violated my privacy by selling my information to other companies. I did not give them permission to do that and neither did anyone representing me. I understand the bureaus used to practice this quite frequently 15 years ago, but recently restarted this information sharing again. It is insidious, and it would help all of us for you to put a stop to this. The bureaus have not done anything illegal, but it SHOULD be outlawed as an invasion of privacy and as an unethical practice.
Consumer complaint received 2022-08-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (FL)

i think this company is some sort of scam. because all of the cars we've bought, have been paid off in full in less than 3 yrs. the name she said was XXXX XXXX and the number seems to be from XXXX. she first tried identifying me by asking for my name then went on to ask for my phone or cell phone numbers. and then she went for the SS #. that's when i stopped her and asked was that some sort of scheme. i just called them back because they've called daily now for about 4 days sometimes twice in one day, but never left a message. so i blocked them and called them back to see if maybe they were trying to get in touch with someone else. once i told her about the SS # she started back peddling and telling me it was an automated dialer and she would take my number off. because i told her if they were some sort of schemer i would call the police. this is their phone XXXX.
Consumer complaint received 2022-08-25
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: CARRINGTON MORTGAGE SERVICES, LLC (HI)

From XXXX XXXX I engaged in refinancing my mortgage loan to XXXX XXXX XXXX company. My previous lender Carrington Mort. Services is reporting no data payments from XX/XX/XXXX to XX/XX/XXXX this time frame my mortgage was in a forbearance status due to the unforeseen Pandemic period and I was also on a military XXXX. Upon returning from my XXXX I paid almost XXXX to close my forbearance and be current with my mortgage. Carrington took 2 billing cycles to get me out of forbearance, this complicated my refinancing and when ask to provide a payoff quote Carrington drag their feet and cause my closing date to delay with XXXX. This causing a late payment on my Credit report for XX/XX/XXXX. I did pay the payment one day late but at their fault, for not providing payoff on a timely matter which had made the closing on the refinance on time. 
I tried a couple dispute with XXXX with no success at all.