davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FEDERAL CU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Earlier this year I suffered a terrible XXXX injury preventing me from keeping up with my finances as usual. Around XXXX, I noticed a tremendous amount of fraudelent charges on my checking account. Unable to sit on hold for hours, I was unable to make it in to a local bank of america branch until XXXX. During this 3 month period, amongst all of my accounts, I was charged in excess of {$3000.00} in miscelanous fees. This would be acceptable, however I did manage to make it into a branch and sit down with a personal banker for over 3 hours while he went over a spreadsheet of fraudelent charges with customer service. I enjoy Bank of America 's services and would like to return, however these fees are out of hand. Please note, the accounts in question were closed however I will include the current open account numbers.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT AND I HAVE ALWAYS TRIED MY BEST TO KEEP MY IDENTITY SAFE. I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

My loan was sold/transferred to Rushmore Loan Management from XXXX. 

Since the loan was transferred Rushmore has inflated the owned amount in the loan, have refused to provide payment history and illegal added bogus and unfound escrow amount without any proof or documentation, they simply send letters that all of the sudden I owed them {$5200.00} without any explanations and increased my monthly payments. 
In addition, Rushmore purchased Hazzard insurance on my behalf, even though the proof of insurance was provided by FAX, email, and imcovered.com/rushmore as instructed on their letter. It seems that the only goal of this shark company is to push bogus higher fees, inflate the payments with no real proof and force homeowners into foreclosure, this company is nothing but a bully fraudster harassing homeowners. 
Please note that my agreed payment is made on time every month, however, I'm refusing to pay the additional amounts Rushmore adds every few months out of thin air.

Rushmore is refusing me to take ownership of the escrow account because this is the only way they can add bogus fees. I keep asking to have ownership and paying my own taxes, but Rushmore has refused to do so.
Consumer complaint received 2024-09-09
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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. 

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 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

I made my payment tu my USAA credit card on XX/XX/2019 They received the payment on XX/XX/2019 ( i called to verify ) However they refuse to allow me to use my card for 7 days even though my balance is paid in full. This has happened numerous times in the past. I would like to know if what they are doing is legal and if not have them fined {>= $1,000,000} for each occurence. I need to have use of my credit card and not be restricted for 7 days for no apparent reason.
Consumer complaint received 2024-09-06
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. (MI)

Subject : Complaint Regarding XXXXXXXX XXXX XXXX Reporting Practices under FCRA Dear CFPB, I am writing to formally submit a complaint regarding XXXXXXXX XXXX XXXX handling of my account, despite my communication regarding the impact of COVID-19 on my financial situation. I notified XXXX XXXX that I was affected by COVID-19 and arranged for a payment plan during this difficult period. However, XXXX XXXX has failed to properly update my account status in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this law, XXXX XXXX is required to provide accurate and timely updates to my credit report, which they have not done. I kindly request your assistance in ensuring that XXXX XXXX  corrects my account information and complies with FCRA regulations. Thank you for your attention to this matter. 

I was also a XXXX XXXX XXXX XXXX XXXX XXXX. during that time i suffered a XXXX and has COVID throught this 2 year term
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Capitol One sent me a XXXX card with a XXXX limit but when I tried to setup a online account to use and monitor the card they would not help with the setup. 
I could not jump through all the hoops they required but I was sent the card. 
When one security question was answered they concocted another and another until we reached a point of me sending my driver 's license which is outrageous. I answered all their questions but the foreigners didn't seem to understand. 
Spent hours trying to get this resolved and finally had to throw the card away and apply someplace else. Customer service was horrible and people did not speak understandable English and wasted 3 hours of my time over a 2 day period. 
They should apologize to me for issuing a card and then not allowing me to use the card after I answered all their security questions and for them not resolving the online account setup issue. Overall, these people are arrogant disrespectful and need to learn English.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

I sent letters to a credit bureau. This. Credit bureau did not, send a reliable response. Personal data with. A formal letter was sent to. 

Credit bureau says not enough personal data. After sending, first last name creditor numbers in. The credit report and. A formal, letter about creditor disputes. Personal data was sent to credit bureau. Also. Theres toll free phone numbers. No one answers, until you input. In all of. Personal data in. Does not, go directly to a live person.
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Consumer complaint received 2019-10-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 1ST ALLIANCE LENDING, LLC (NY)

1st Alliance lending took my loan application in XXXX XX/XX/2019. After a month of working with them. I sent my Earnest money deposit for a home after getting a mortgage pre-approval. I secured the purchase contract, got the appraisal done, paid for the home inspection and paid of a bunch of my small debts. I obtained a lawyer and she was already working to close. I was told my Mortgage was with underwriting and I should have been closing on or about XX/XX/XXXX. I bought a XXXX   for storage and was preparing to move. Things had been moving along until XX/XX/XXXX when XXXX XXXX The President of 1st Alliance called me and told me via phone that because my title work was taking a few more days than expected they would not fund my loan. No loan denial letter was sent, no disclosures, nothing. I had to find a new lender and start all over. XXXX sent my Mortgage file to XXXX XXXX without my permission and when I told that lender I didnt need her help she harassed me via text message and phone calls which I have screenshots of. This cost me over {$6000.00} and I want those funds recovered immediately. Otherwise I have no choice but to sue. My attorney is prepared should they decide not to make arrangements.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX**** ; XXXX XXXX** ; XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX**** ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 11 XXXX   XXXX ) XXXX**** and XXXX XXXX****
Consumer complaint received 2018-07-17
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. (TX)

Dear CFPB, My name is XXXX, Im writing in to complain about Experian. 

They refuse to delete a charge off from a company XXXX XXXX XXXX : Ive disputed this account many times and they refuse to delete this account that is just parked there without reporting or sending me any original signed contract that Ive signed. 

XXXX XXXX XXXX XXXX Account Number XX/XX/2013 Date Opened Recent Payment Amount Its seriously hurting my credit score.
Consumer complaint received 2018-07-17
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. (DE)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I HAVE CONTACTED XXXX XXXX AND THEY TOLD ME THAT ANYONE CAN GET A POLICE REPORT AND FILE A CLAIM. SHE MADE IT SEEM THAT REGARDLESS IF I DID AN IDENTITY THEFT THEY WOULD STILL LEAVE IT ON MY REPORT BECAUSE THE CLAIM THEY HAVE ALL MY INFORMATION
Consumer complaint received 2023-07-09
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. (IL)

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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My home is set for foreclosure auction on XX/XX/XXXX by Specialized Loan Servicing. I have a good job and make sufficient income to afford a fair and reasonable mortgage payment. My issue is that SLS has denied me access to available options and has refused to consider allowing me to fix this problem. I have owned my home for 15 years and live here with my XXXX year old son and XXXX   nephews, ages XXXX and XXXX. We don't want to be put out on the street when this is a problem that could be solved. I had a major hardship a few years ago when I was unexpectedly laid off and defaulted on my loan. I have tried to work with SLS to fix this problem but have been denied access to federal, state and internal programs that I should be considered for.

I worked for years doing XXXX XXXX for the XXXX  and XXXX  and had stable income. A few years ago I had some financial issues and applied for a loan modification and was put into a step modification program. I paid on this for several years as the rate and payment continued to increase. Problems began inXX/XX/XXXX when the XXXX I worked for had their budget cut and the funding for my division was ended and I was laid off. As a result, I defaulted on the modification payment. I contacted SLS as soon as this happened to try and begin negotiating some type of new modification or forbearance or repayment plan. I also started my own XXXX  business but it took a few months to get it off the ground. As soon as I was in a better position I tried to make a mortgage payment to SLS but they would not accept it unless I paid all past due payments at once. I continued trying to negotiate for a modification but eventually their agents told me since I had a modification in the past with a low interest rate that I was not eligible for another. I do not believe that is accurate information so I hired an Attorney to help me who advised me to file Chapter XXXX bankruptcy. I did this for nearly two years until my grandmother ( who raised me ) fell XXXX ill in XXXX and I had to go there to help care for her until she passed away in XX/XX/XXXX. I have tried returning to negotiate some type of modification or agreement with SLS but have been given the runaround and transferred from department to department with no assigned contact that was willing to work with me or help me. I was told the only option was to sign over my home.

I have spent the last few years building my XXXX business and I have sufficient income to afford a fair and reasonable mortgage payment. I just need the SLS agents to work with me and look at my current and correct financial information and give me access to all programs including modification, forbearance, recapitalization of delinquent amounts or even repayment plans. I can afford a fair payment, this whole problem could be fixed and SLS could get their money back if only they would work with me.
Consumer complaint received 2018-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

I keep getting phone calls from XXXX XXXX XXXX from their multiple phone numbers. I do not owe any debt. My federal student loans don't have to be paid off until after I graduate in XX/XX/2021, and I pay off all of my credit cards every month. I do not have any debt. They call multiple times a day and try to scam, and it's getting really irritating.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (NH)

XXXX XXXX XXXX XXXX is the current creditor for a XXXX XXXX account. The total amount of the debt was {$1000.00}. On XX/XX/2018 I called XXXX XXXX and spoke with a supervisor named XXXX XXXX. He told me more than once we were on a recorded line. We agreed to a settlement in full amount of {$520.00}. I asked him to email me this information before I agree to it. He explained he couldn't for security reasons. He went on to say I would receive this agreement via the US mail system and another notice saying it was settled in full once the {$520.00} was paid. I haven't received either one. He also said my credit report would say settled in full. Again he said I had nothing to worry about as we were on a recorded line. I agreed to the {$520.00} which was paid on XX/XX/2018 as agreed settled in full. My XXXX credit report shows my payment but still shows I have a balance due of {$520.00}. This balance due needs to be removed and show settled in full and I need to receive the notice my debt is settled. I filed a dispute with XXXX with no resolution.
Consumer complaint received 2022-03-14
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: FirstPoint Collection Resources (NC)

Firstpoint Collection Resources Inc XXXX XXXX XXXX XXXX, NC XXXX The above company sent 7 unpaid bills to my credit report without sending the bills to me. I was under the impression that these bills were sent in as claims to my insurance company ( XXXX ) for payment. I contacted the original creditor and learned that these bills were submitted to a CLEARING HOUSE for potential payment and denied. 

The bills were not sent in as claims to my provider and this was verified with XXXX. 

1. XX/XX/2022 {$40.00} 2. XX/XX/2022 {$140.00} 3. XX/XX/2022 {$40.00} 4. XX/XX/2022 {$40.00} 5. XX/XX/2022 {$110.00} 6. XX/XX/2022 {$40.00} 7. XX/XX/2022 {$4400.00}