davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (MD)

On XX/XX/year>, I submitted an inquiry to the Consumer Financial Protection Bureau ( CFPB ) regarding discrepancies on my XXXXXXXX XXXX XXXX  account ending in XXXX. This inquiry was prompted by inaccuracies I observed on my credit report, which negatively impacted my credit standing. 

On XX/XX/year>, I received a response from XXXX stating that they had previously addressed a similar inquiry ( Case # XXXX ) and that any discrepancies with my credit report should be directed to the credit reporting agencies. XXXX also declined my request for compensation. 

I believe XXXX has not fulfilled its legal obligation to ensure accurate reporting and correct any errors in a timely manner. Given the potential violation of my rights as a consumer, I am seeking a thorough investigation into the discrepancies reported and a resolution to this matter.
Consumer complaint received 2022-01-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The injuries and inaccurities remain on my credit unverified. Transunion continue to provide and furnish all of these inquiries on my credit profile under my social security number. I have proof of XXXX priority postages that my disputes was indeed signed for. Transunion continue to ask for proof of identity when I sent them a utility bill, ID, and a copy of my social because they demanded I turn these forms over to verify the account. I now they are committing fraud on behalf of my social security number. The inquiries is still unmarked or disputed to this day. Please Remove Now.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Credit / Sams Club card : I continue to pay my bill, at least the minimum amount due each month if not more, but the total interest charges and my balance continue to rise, even when I have not made additional purchases for at least 2 months. Furthermore, I am concerned that I am being double billed interest, as my " Balance Subject to Interest '', includes interest that was previously billed on my account, and is not solely comprised of purchases. This is what I have been told by their chat rep ( which the log disappeared once I told him he did NOT answer my question - XXXX specifically said that although I paid more than my minimum payment in XXXX, it was not enough to cover all interest and principal due at that time, and was not enough to decrease the balance or the interest that would bill the following month ), and phone rep ( who unprofessionally hung up on me after I asked for an easy to understand explanation of interest charged billed on my account ). I understand how interest is calculated, but I would like to know : 1 ) The exact calculation used for my account. 2 ) Why new interest is being billed on old interest by including it in the balance subject to interest? 3 ) Why paying more than the minimum amount due, still results in a higher balance, where is the additional money going? This is unfair that I 'm paying more than I 'm being billed and no longer making purchases, just for the bill to go up month after month. It appears this is being done purposely to collect more money from me ( if not all their customers ) over a long period of time, since my bill clearly states it will I will have paid $ XXXX if I only pay the minimum payment ( which I could see that happening if I 'm paying interest on interest ).
Consumer complaint received 2016-06-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC (GA)

CFPB complaint number : # XXXX After four ( 4 ) telephone calls to CFPB has REFUSED to release Report ( complaint number : # XXXX ) to XXXX XXXX. 
CFPB Supports Quicken Loans FRAUDULENT, BAD BUSINESS, DISCRIMINATION against Elderly XXXX Veterans, First Amendment Violations. 
CFPB Corruption ... How much did CFPB profit from Quicken Loans???? cies. 
1. Discrimination against Veterans. 
2. Invoking Escrow Account based FRAUDULENT DATA per CFPB request. 
complaint number is : # XXXX 3. Quicken Loans to IMPOSE an Escrow account upon a P.I. ( Principal & Interest ) loan since XXXX XXXX ( Mortgage Opened with XXXX, assumed by Quicken Loans in XXXX ). 
4. Quicken Loan RAISING Mortgage without Explanation. 
5. Quicken Loans IMPOSE Discrimination against Elderly XXXX Veterans. 
6. Quicken Loans continues to VIOLATE Customer 's First Amendment Rights. 
7. Quicken Loans WILL IMPOSE FORE-CLOSURE upon my Residence. 
8. Quicken Loans plans REMOVE the Poor from the Their homes and Seize property based upon Fraudulent methods. 
9. Quicken Loans DENIED REFINANCING to Keep High Interest Rate on Home and seize Property, Openly admission of Fraud, Discrimination based upon False allegations imposed by Quicken Loans upon their Customers. 
10. Denied Access to my Quicken Loans account. 
It 's Time for a Federal Class-Action Lawsuit against Quicken Loans 1. Quicken Loans DISCRIMINATION against XXXX Elderly Veterans needs to stop. 
Quicken needs resolve the Problem Quicken created since taking over the Mortgage Loan from XXXX .... Quicken will continue to provide BAD SERVICE as long as possible by misinforming the Bureau of Consumer Finance and Mortgage Regulatory. 
2. Mortgage needs to be Refinance from 30 yr ARM to 15 yr Fixed Mortgage per President OBAMA, Despite it 's NOT in the best ( % ) interest of Quicken Loans. 
3. Allowed access to 'My Quicken ' account online website to review Tax statements, Paperless documents, and submit complaints to 'Quicken Bureaucrats ' who refuse to RESOLVED PROBLEMS 4. Quicken will submit email Messages ; concerning status of account, Statements, Tax information ; In other words, I want to the same service that other 'White Customers ' receive without DISCRIMINATION! 
5. Quicken Customer Service will extend service to me and STOP DENYING or REFUSING service. 
#. Quicken ADMISSION to DISCRIMINATION against XXXX ELDERLY VETERAN ... Quicken will continue items 1-5. Quicken Corporate has made it clear of their REFUSAL to resolve the issues, instead they mail a useless response document ( XXXX ) filled with legal jargon that fails to resolve the problems. 
XXXX Elderly Veteran with an XXXX ( XXXX )
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/year>, I paid my usual rent payment of {$2900.00} ( Check XXXX ) to the usual landlord. This has been my normal practice for the last 24 months so there is a clear history of a monthly check with " Rent '' in the memo line in the SAME amount to the SAME recipient. 

For some reason, on XX/XX/XXXX, when presented for payment, Capital One did not immediately settle the check. Instead, I received the attached email asking asking me to confirm it was not fraudulent. I immediately clicked the BIG GREEN BUTTON that " everything is OK ''. Being an excellent customer with a long history of writing checks with this same amount for the previous 24 months, I expected them to honor my check with MY MONEY. 

As I had confirmed payment IMMEDIATELY UPON RECEIPT, I thought nothing of it until I received ANOTHER email that Capital One Bank refused to pay the check as presented ( ATTACHED ). 

Because of their failure to abide by my instructions DESPITE MY CONFIRMATION THAT I DID INDEED ISSUE THE CHECK, AND DESPITE A MONTHLY PAYMENT OF THIS SAME AMOUNT TO THE SAME RECIPIENT FOR THE PREVIOUS 24 MONTHS I am being charged a late fee of {$50.00} from my landlord. 

This is HIGHLY UNFAIR and TOTALLY UNACCEPTABLE. I did NOTHING WRONG, I CONFIRMED I WROTE THE CHECK, and any two minute research into my account would have shown nothing amiss. I am all for security - but this can not be acceptable behavior when not only did I confirm the check was written by me, it was a well known payee in the same amount. 

I am NOT going to allow Capital One to bully me like this after I have put over a XXXX dollars, possibly XXXX XXXX, in that bank and am an exceedingly loyal customer. 

If I am not immediately reimbursed for this amount, with a full apology, I will file every possible legal and ethical recourse against this bank and -- of course - remove every XXXX from. This CAN NOT BE ALLOWED - The bank had NO reason to withhold payment and put me in this situation to where I am now being harassed unfairly.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 

Bankruptcy Account : US BKPT CT AL XXXXXXXX 15 U.S.C 1681 Section 602A States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( my full social security Number was shared as well as other info. ) 15 U.S.C 1681S2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (TX)

While on a XXXX cruise I was double charged on my debit account leaving me with a XXXX debt I have disputed several times leading to my bank account being closed and in debt
Consumer complaint received 2016-06-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (TX)

This is the second email message I have received : Rate Information for XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX via XXXX XXXX XXXX ( 3 days ago ) to me Hi XXXX, New rate information has been posted. 

Please use the link issued below to obtain our new rate and contact us with any other questions. 

Check our new rate in Texas. 

Sincerely, XXXX FHA Rate Guide FHA Rate Guide XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX NY, XXXX This message is not affiliated with XXXX XXXX. 
To stop receiving our emails please unsubscribe. 
I contacted XXXX XXXX XXXX my mortgage lender and they stated this is a fraudulent email that it does not use email messages. I completed the information requested when I received the first email. Upon completion LoanDepot name showed up. LoanDepot has made several attempts to get me to make a loan from it to consolidate bills and I refused. LoanDepot stated that due to my credit score I did not qualify for refinance on my mortgage loan. However, LoanDepot continues to call me via telephone and send bogus emails. I do not know what can be done in this regard. However, any assistance you can provide is greatly appreciated.
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MN)

I had a citi Master card ending in XXXX. 
There were some automated payments from XXXX being deducted which I was not aware. I had asked them to change it Looks like it took affect after XX/XX/XXXX. 
Till XX/XX/XXXX Total XXXX charges were around {$75.00} Now Citi is asking me to pay {$220.00} because I am late on my payment for 3 months. 
This is roughly 3 times the amount I owe. Which is very unfair. 
Also Citi never bothered to inform me Other than sending emails which went into spam. 
The only time they contacted me via mail was the final collection notice.
Consumer complaint received 2020-08-07
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. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

We are working on a modification to help save our home, however the representative is making it very difficult to work with. We have sent in requested information and on two occasions have been told that they did not receive the information, or more information is needed. At this point we are feeling overwhelmed and just want to give up.
Consumer complaint received 2015-08-20
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NJ)

On XXXX XXXX, 2015 I went to Citi Bank to cash a check that was draw on Citi Bank. The Teller ask for my identification, social Security Number and Job Title to cash a check. Just for clarification in order cash a check and you do not have a check is what because I do not have a checking account do that give them perimission inquiry into my personal life Social Security Number is PIV Confident Item.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-10
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. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a XXXX account XXXX my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX  Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about XXXX the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC (CA)

XXXXXXXX XXXX reassigned my mortgage to RoundPoint Mortgage sometime in XX/XX/year>. During this period of transition, XXXX offered me a deferral program which I accepted. I then missed two mortgage payments and RoundPoint sent me correspondence dated XX/XX/year> demanding that I cure a default amount of {$3000.00} by XX/XX/year>. So, on XX/XX/year> I sent a check in the amount of {$3000.00} along with correspondence. The correspondence of XX/XX/year> also requested loss mitigation information, provided notice and proof to RoundPoint of my XXXX and requested the reasonable accommodation of extensions of time regarding any due dates by RoundPoint. Since the check remained uncashed and I was concerned about the XX/XX/year> deadline, I accessed RoundPoint 's payment portal, but it BLOCKED me from making any payment. Since RoundPoint also accepted electronic payments borrowers ' banking institution, I used my bank 's bill pay system and sent RoundPoint the payment of {$3000.00}. After RoundPoint received the payment on XX/XX/year>, I then sent RoundPoint correspondence dated XX/XX/year> advising them of the payment and notifying them of their incorrect calculation of the total amount owing ( i.e. dispute ). RoundPoint never responded to my XX/XX/year> or XX/XX/year> correspondence and never sent me any loss mitigation documents. Instead, about 4 weeks later, in early XX/XX/year>, RoundPoint reversed the electronic payment of {$3000.00} back to my bank ( without notifying me ) and then proceeded to fast-track a foreclosure just 3 weeks later.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

XXXX XXXX sold to XXXX. I have put in a dispute several times to remove negative report of past due account. My accounts are on deferment status and it should show in good standing. This is impacting my credit score significantly. After several attempts this negative report is still on my credit report.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my numerous 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 Balance : {$1600.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$650.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2024-08-23
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. (CA)

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 2024-10-10
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.