davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
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. (NJ)

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was out of the country and provided proof to CAPITAL ONE with my XXXX PASSPORT and stamps in my passport showing my departure date from the XXXX and return date. During this time frame, my personal information was used to obtain credit and I was never aware of it, until I looked at my credit report. I then filed a FTC report, and CAPITAL one is still saying they found no fraud, HOW IS THAT POSSIBLE when I was out of the country? They can not substantiate any documents or proof?
Consumer complaint received 2017-03-19
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association (GA)

I was trying to log into my account with New York Community Bank via XXXX and when I entered my user ID was told my account was disabled. 
I called customer care and was told because I had not used my account recently ( note they did not give a specific time window for this policy on account closures even on the customer care call ), they had disabled my account. This was without any advance notification to my email address linked to my online account. They refused to unlock the account even when I provided my SSN, account number and my online banking details. 
They claimed this was pursuant to their policy in the agreement I signed opening the account. However this seems disproportionate and not clearly articulated. I know for a fact I downloaded my tax documents in XX/XX/2016 for the previous year from their website, yet by XX/XX/XXXX they had closed my account and sent all my money to the local government, where I must now file an Unclaimed Property Request and deal with all the challenges that entails to get the money that is mine returned to me. It was also only when I requested to speak to a supervisor that I even found out they had sent my money to the government, as the first customer care contact mentioned nothing of the sort to me, just that I should send a letter and copy of my driver 's license to request my account be reopened, even though in fact the account and the money is gone for good from NYCB and I must search it out with the local government. 
This seems unreasonable for not having logged in perhaps during six months to an account, and I would request the CFPB review the terms of service of this Bank to its customers, require they adjust their policies on closing accounts and unilaterally sending consumers ' assets to the government, as well as send email notifications warning of such actions before they are taken. I have many accounts with financial institutions and have never had close to this awful a customer experience and am now faced with the uncertainty of ever seeing a very large sum of money again. Are n't banks supposed to be safe places to store your money? It seems NYCB does not take this core responsibility seriously.
Consumer complaint received 2023-09-15
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. (NV)

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

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 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00}
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

The following accounts were charged-off by the creditors & filed on my personal taxes ( 1099 C ) as income. Income is not credit. Therefore, the information is inaccurate/no longer valid and needs to be removed. According to the IRS, any charge-off reported by a creditor and filed as a loss, becomes income that the consumer must file as income ( 1099 C ). Income is not credit. Therefore, it is no longer accurate information. Any inaccurate information must be removed according to the FCRA.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (PA)

In XXXXXXXX XXXX XXXX my mortgage was transferred from XXXX XXXX to Roundpoint Mortgage Servicing, my final payment was misapplied showing me as more than 31 days late. In XXXX of XXXX  this was rectified by XXXX XXXX and Roundpoint. During this time my credit was affected and Roundpoint has charged me late fees. My account still shows over 31 days late for each month.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-15
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$370.00}
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (OR)

I have been trying to Modify my mortgage for 5 years with Nationstar, I have submitted several completed applications packages over the years and each time they drug their feet for months reviewing the applications, never telling me what was happening unless I called to check up on things only to find out that they took so long doing this that some of the paperwork according to them had " expired '', they requested that I resubmit or redo or update certain parts of the file but after submitting again and agin and again they just drug their feet until they would finally request another full file, this process could take up to a year! in the meantime I sit in foreclosure wondering when I would lose my house. They tried to foreclose on the house a few times but we just kept re submitting paperwork and new files. I would call repeatedly only to talk to some horrible person who was very unwilling to help and when I got upset with them for dragging their feet once they thought they put me on hold and I heard the customer service girl say out loud while laughing " Can you believe this stupid white boy? '' I told her I was recording the call and she hung up immediately.. 
They never answered for this deliberate XXXX remark and it was obvious at that time to me that they were doing this to me on purpose.. 
It has been 5 years of battle and after a horrible divorce this is all my kids and I have left.. 
Nothing has changed with my employment the whole time but recently they approved a modification and put my payments at {$2300.00} a month and % 10 intrest from the original {$1200.00} a month and an extra {$200.00} tacked onto my mortgage because of all the back payments and fees! Why all the sudden would they approve the Mod when NOTHING has changed???? 
This is a strategy they use to XXXX people out of their homes. my house is unaffordable now and would never sell for how much they have scammed me out of.
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX. XXXX our escrow balance suddenly jumped from a balance of positive {$900.00} to a negative balance of $ XXXX on XXXX, XXXX, XXXX. Wells Fargo is unable to provide us with reason of changes for amounts. Escrow from XX/XX/XXXX to XX/XX/XXXX continued to grow into a negative balance of $ XXXX without any sort of explanation or notice of new balance now in negative, when never in all the years of owning home had it ever been more than $ XXXX. In XX/XX/XXXX we received a mortgage statement with a new monthly mortgage amount of {$860.00}, an increase from the normal amount of mortgage paid since XX/XX/XXXX when we bought the home, prior to XX/XX/XXXX monthly mortgage due was {$490.00}. After speaking with Wells Fargo regarding huge increase in mortgage they informed us it was due to a loan opened by a contractor of XXXX XXXX who opened a {$24000.00} loan in our name without our consent or knowledge, and simply stated we are to pay new monthly mortgage amount or risk losing our home due to lien put on by the contractor through the XXXX program, and opened the loan 2 years earlier in XX/XX/XXXX, we had no idea such contract or loan existed until XX/XX/XXXX. After reviewing said documents we noticed someone had forged our signatures and opened other accounts in order to submit contract through several entities such as banks and XXXX County Property Tax. We had no choice but to pay new amount until we can clear such matter, which after 8 months of dealing with XXXX XXXX and XXXX XXXX Attorneys we hired attorneys to represent us XXXX XXXX  suddenly removed the lien without our knowledge prior to removing the lien, they did it to avoid even further legal action but by then we had already overpaid Wells Fargo several thousands In XX/XX/XXXX our mortgage payment was reduced to original amount of {$490.00}. When I called to ask Wells Fargo about discrepencies and over charges they said we were entitled to a {$620.00} refund not the {$2100.00} plus we had already overpaid, they gave me several numbers to call within escrow department of Wells Fargo but they were unable to provide me answers on why there was a shortage in the Refund Amount, and simply told me they don't know where the money went but its been disbursed and con not be refunded the remainder of the mortgage I was forced to overpay to keep my home. How is it that they are able to make me over pay but when confronted with their mistake they are unable to pay me back my money because they paid out already. They never took the time to verify any document before they forced me to pay money I could not afford to pay because a contractor with XXXX XXXX used my name and forged my signature to open a loan. it is tortious interference with contract, fraudulent inducement, negligent, and it is unjust enrichment.
Consumer complaint received 2018-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Karma (AL)

XXXX XXXX they received there equipment years ago and I have been dealing with this false reporting. Its not fair for them to do people like this. And then after they make your credit bad because they lie. Then they pertain like ok the equipment to old. You got your stuff on time and paid the bill its not fair.
Consumer complaint received 2018-09-21
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. (IL)

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. The last time I sent this issue to them they only opened a new dispute and I received the same results. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over and over and over again, The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. The following accounts that are reporting are : XXXX 's acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX  acct XXXX, XXXX XXXX  acct XXXX. As well as the incorrect address of XXXX XXXX XXXX, XXXX, XXXX XXXX I have never lived at this address. I have have been a resident of Illinois for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted a dispute to you and i didn't get a response within XXXX  days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2023, I mailed out a dispute letter to Capital One about the company sharing my nonpublic personal information. According to 15 USC 6801 ( a ) requires financial institutions to notify consumers of their information-sharing practices and provide for a right to opt out of certain sharing. Capital One never gave me any opportunity to opt out they furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ). Under 15 USC 6809 ( 5 ) nonaffiliated third party means any entity that is not an affiliate of or related by common ownership or affiliated by corporate control with the financial institution but does not include a joint employee of such institution. 
XXXX, XXXX XXXX XXXX are nonaffiliated third parties, and Capital One has violated the provision of 15 USC 6802. In if Capital One admits that XXXX, XXXX XXXX XXXX is affiliated they have violated the Fair Credit Reporting Act. Therefore, Capital One has not only infringed my right to privacy but also violated multiple Federal Laws.
Consumer complaint received 2018-09-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (MO)

3 months ago i had to get my car repaired because im XXXX and need a running vehicle plus according to the the contract the vehicle has to stay in running condition. I only have a month income so only could get car repaired. I explained this to title max they said corporate was going to have to speak with me. I said that was ok. After car was repaired i took in the invoce. No. They took my next payment then refused the following payment. I called corporate to try to work something out they were rude. And my contact doesn't say they can refuse payment. Now i worry every day i will lose my car and the interest keeps piling up and and i do not have this kind of money now. I live on ssi. I only have my contact i have asked for other paperwork pertaining to my account and they refused to give it to me.
Consumer complaint received 2023-05-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX Equifax Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

I was contacted by mail from a debt collector, Penn Credit, claiming that I owe {$69.00} for a traffic citation. 
I called their XXXX but they claimed I still owned the debt. 
This traffic citation was paid directly to the XXXX XXXX XXXX on XX/XX/2018. 
I have proof of payment.