davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (MI)

Dear Consumer Financial Protection Bureau, I am writing to bring your attention to inaccuracies on my credit report that occurred as a result of financial hardship caused by the XXXXXXXX pandemic. According to federal guidance and the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, creditors and credit reporting agencies are expected to provide relief and leniency to individuals financially impacted by the pandemic. However, I have identified derogatory marks and late payments on my credit report during this period that do not align with these provisions. 

Explanation of Circumstances : I was financially affected by the XXXX pandemic, resulting in a loss of income and unemployment during [ XXXX ]. 

During this time, I communicated with my creditors regarding my financial situation, requesting relief and accommodations under the available programs. Despite this, late payments and other derogatory remarks were reported to the credit bureaus. 

Under the CARES Act, lenders were required to report accounts as " current '' if accommodations were made due to pandemic-related hardship. These negative entries appear to have been reported in error or without considering the appropriate guidelines
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Refer to attached for dates, applied for a loan was clear that I would be putting at least 20 % and informed of the earned benefit of no taxes and USAA was adamant they must include this amount. 
Even w/o 20 % including a non payment amount lowers the approval amount which is discriminatory. 
Still a homeless veteran trying to focus on her health, USAA and XXXX XXXX have the same issues as noted by XXXX. 

They have also violated ADA and so many other laws. I am tired of being harassed and discrimintated against in a country I fought for and sacrificed and lost so much.

protected class member 5 of 9.

I gave them a signed contract and since they opted out to abide by the law, I missed out on a house and it has caused additional stress mental and physical pain as all this worsen my service connected disabilities.

It was also told that the debt is from me trying to establish businesses to make money as I was terminated while I have beenn fighting for my life. 
It is such a shame that veterans are treated better in other countries. They have continued to send emails that are discrimintary and call when explicitly told not to. 

Their is nothing for me to say, this is a straight forward process if the law is followed, they also have had everything they needed and opted to gundeck. 
IL and IN even by XXXX XXXX own words have significant tax differences and yet both numbers were the same and neither assist in determining the house I can shop for.
Consumer complaint received 2024-11-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: INDEPENDENCE HOME LOANS LLC (NV)

1. Refusal to refund the appraisal fee they charged my credit card. I explained the appraisal was paid by another lender at closing and the appraiser was ok with that. 
2. Charging XXXX points on Closing Disclosure 3. Two appraisal fees on Closing Disclosure, and a final inspection fee. I only had one appraisal, and no additional inspection was required. 
4. Closing was scheduled without getting updated number or anyone discussing with me. 
5. I can provide documents unable to upload. 
.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I am writing to express my frustration and disappointment regarding the closure of my dispute related to an accidental XXXX payment in the amount of {$150.00}. My case was closed on XX/XX/year>, and I was informed that there was no further action Citibank could take and that I would need to resolve this directly with the recipient. 

Here is a summary of the situation : On XX/XX/year>, I accidentally sent {$150.00} via XXXX to the wrong recipient. 
I immediately contacted the recipient, who confirmed that they reached out to their bank and agreed to return the funds to me. 
Despite this confirmation, Citibank closed my dispute and informed me that there was no resolution possible from your end and that I am essentially " on my own '' to recover the funds. 
I am very disappointed by the lack of support I received from Citibank in this matter. As a customer, I expected more assistance, especially since this was a genuine mistake. It is concerning to me that Citibank has closed the case without further investigation or offering a solution, leaving me in a vulnerable position without the funds that were mistakenly transferred.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

THESE ACCOUNTS MUST BE REMOVED. EQUIFAX HAS A BREACH I WAS AFFECTED BY AS WELL AS XXXX AND XXXX. IT IS YOUR RIGHT TO REMOVE THESE ACCOUNTS IMMEDIATELY! 

I received a copy of my credit reports and am writing to dispute the following fraudulent accounts information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

I have been a victim of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXXXXXX XXXX {$26000.00} Date Opened XX/XX/year> 2021
Consumer complaint received 2024-11-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mr. Cooper Group Inc. (TX)

Nationstar violates the HMDnA in reporting the facts of my loan to the VA. They didn't know about the unauthorized transfer of the title and the current interest rate awarded to the investor after I complained about being scammed. It doesn't seem to be fair or make sense to be stolen from and have the thief be rewarded.
Consumer complaint received 2024-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (MD)

I pay XXXX XXXX and XXXX mortgage my mortgage company sent XXXX and XXXX back they kept XXXX only because I spoke up about my escrow about me still paying for something that I have already paid off XXXX and XXXX now theyre threatening me and forcing me to sign something for them and I dont sign theyre planning not planning but going to file foreclosure on me ASAP I sending in documents and escrow statements showing that I paid and sent it back I filed a claim XX/XX/XXXXXXXX  did not get to show this information before it closed they still have my XXXX payment look where I written on it
Consumer complaint received 2024-10-04
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. (MS)

I have filed several complaints/disputes before for the unauthorized and misuse of private information without resolution. Under 15 U.S.C. 1681 ( 4 ) ( Consumers Right to Privacy ) and 15 U.S.C. 1681 ( B ) ( Permissible Purpose of Consumer Reports ), I have the right to dispute and challenge the use of my personal information, particularly when no consent has been given for such use. The disclosure of personal, non-public information to nonaffiliated third-party agencies ( such as credit reporting agencies like Equifax, XXXX, and XXXX ) without giving me the opportunity to opt-out, as described under 15 U.S.C. 16802 ( B ), violates my rights. Using my personal information without my express written consent which can also be considered Identity Theft under 18 U.S.C. 1028 ( A ) ( Aggravated Identity Theft ).
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-04
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: EQUIFAX, INC. (GA)

XXXX XXXX, XXXX, XXXXContents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I deposited a check with capital one the check was reversed and the money had been withdrawn from my account I called to let them know a week ago now I cant access my account and make purchases or payments. They give me the run around and they want to verify it with XXXX XXXX even though they took the money out
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

I was unable to open a Bank Checking account because of some information supposedly supplied to the Bank by an organization called Early Warning Inc. ( Company Consumer Identification Number : XXXX ) When I contacted the organization to find out what adverse information was supplied to the Bank, they went on an unbridled 'information harvesting ' expedition. They wanted every private personal information from me to supposedly verify me before they can divulge the information. 

Problem is that there are no guardrails or restrictions or oversight on how they can use these information. I do not know this organization or under what statute they operate, and certainly do not want to give an unrestricted use of my information to any organization without controls I believe they are collecting my information for sale and for other nefarious activities including generating and selling negative information to other solicitors for profit.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Equifax is reporting inquiries on my credit report that I did not authorize nor provide consent for access to my credit report so I am requesting immediate removal. Inquiry details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These hard inquiries are a direct violation of my consumer rights under the following laws : U.S. Code 1681b ( Fair Credit Reporting Act - FCRA ) : This section stipulates that a credit report may only be accessed under certain permissible purposes, which include applications for credit, insurance, or employment, and only with the consumers consent. Since I did not authorize this inquiry or provide consent, it breaches the FCRAs regulations. 15 U.S. Code 1681c ( FCRA - Inaccurate or Unverifiable Information ) : Under this provision, credit reporting agencies are required to ensure that the information in the credit report is accurate and verifiable. An unauthorized inquiry fails to meet these requirements and thus should be removed. 15 U.S. Code 1681n ( FCRA - Civil Liability ) : This section provides for civil liability for willful noncompliance with the FCRA, including unauthorized access to a consumers credit report. The presence of an unauthorized inquiry on my credit report is a clear violation, and removal is warranted. 15 U.S. Code 1602 ( p ) ( Truth in Lending Act - TILA ) : This section outlines the requirement for obtaining express consent from the consumer before a credit report can be accessed. The lack of authorization for this inquiry contravenes these stipulations. Given the unauthorized nature of this inquiry, I request the immediate deletion of this hard inquiry from my credit report. Please provide written confirmation once this has been resolved. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (IL)

Tuesday XXXX XXXX I made a dispute over multiple fraudulent transaction that occurred over XX/XX/XXXX and XXXX that amounted to well over {$13000.00}. 

On XX/XX/XXXX BMO HARRIS sent out a letter denying my claim the reasoning being because I used this vendor before.

However BMO did not request any documentation or evidence to support my claim.

I have since tried reaching out to BMO concerning this issue. Their customer service team keeps telling me there is nothing they are able to do and that I will have to email their regE team at XXXX for an appeal to the claim. All I will have to do is present the evidence in the email.

I reached out on to the regE team on XX/XX/year>. With the last four digits of the card number and the evidence showing that my account from the merchant was hacked. Therefore the fraud was related to my account from the merchant being hacked. I have NOT received any response from BMO on this matter and I was told I would receive a response in 10 business days. Well its been over 10 business days and still no response. See attached.

I reached out on XX/XX/year> demand more answers and a follow up. As XXXX dollars in fraud is BIG MONEY. See attached I had an ATM issue where an ATM at a branch had taken money from me but never deposited said money in my account. I reached out to the regE team and they responded immediately on MULTIPLE occasions. See attached BMO is ignoring my concerns and failing to be transparent about why they are not properly handling my case concerning {$13000.00} in fraud.
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

I noticed I have a Collection account on my credit report from TransWorld System for XXXX. It was open on XXXX I never opened an account with Transworld System or XXXX whom is the Orginal creditor. 15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before.
Consumer complaint received 2024-10-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

I am filing this complaint due to an inaccurate debt reported on my credit file by NATIONAL CREDIT SYSTEMS, which claims I owe a balance from an apartment lease. This debt does not belong to me, and I have disputed it with the collection agency. Despite this, they continue to report it on my credit report without providing legally sufficient validation.

The collection agency initially provided an electronic signing transcript as validation, but it does not include a verifiable signature tying me to the debt. This transcript is merely metadata showing signing activity and lacks any authentic, legally binding evidence of my agreement to the lease. Since I did not sign this lease, I have a valid basis for an identity theft claim.

In response to my dispute, I requested : Immediate removal of the account from my credit report due to insufficient validation and lack of a verifiable signature.

Proof of authorization from the original creditor allowing the collection agency to collect and report this debt. 
Despite these requests, the collection agency has failed to comply, resulting in an unwarranted negative impact on my credit score. This is a violation of both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) requirements to provide legitimate validation and cease collection activity when an account can not be authenticated.

( SEE ATTACHED )
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX, I sent a dispute letter to Equifax requesting that a XXXX showing on my report from XXXX be deleted. I also sent Equifax a letter from XXXX where they confirmed that the Bankruptcy information is not appearing on my XXXX report. I also attached a letter from the Bankruptcy court stating that they are not the furnishers of information to the Credit Reporting Agencies. Those documents are attached to this complain. 

On XX/XX/XXXX, Equifax opened an investigation regarding the dispute of the Bankruptcy. 

On XX/XX/XXXX, Equifax concluded it's investigation of the dispute. As a result of their investigation ( or lack thereof ), Equifax stated to me that XXXX " verified '' the Bankruptcy as accurate.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor. 

XXXX XXXX : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX