davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 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 has violated my rights . Or list of inquiries 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 2024-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (ID)

I learned earlier this year a banking account for Citibank, A XXXX XXXX was set up in my name by an employer, I don't work for anymore. ( XXXX  ) It's been years since I worked there. Not once did citibank reach out to let me know this account existed till XXXX... XXXX years later. And then have proceeded to ask and ask for documents for XXXX full months now, over XXXX stamps. I have been trying as an XXXX  adult to manage but it's gone too far, last week Tuesday XXXX of XXXX. Citi bank confirmed the check was sent and I'd have it by Monday no later! It's Monday today and no check in XXXX  months and it's still not even here.. my power was shut off because this bank is incompetent... I'm quite XXXX at the moment and am demanding restitution for bait and switch, fraudulent accounting and reporting, plus... please help me I don't know what to do anymore. Thank you and I'm so very sorry this is so long and not 100 percent nice message, I tried.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX, 2022 I applied for a credit card offer promising a {$200.00} bonus after spending at least {$500.00} dollars within 90 days of approval. After I spent the necessary {$500.00} dollars I noticed I still hadnt received my bonus so I contacted the company on XX/XX/ 2022. I was then told that I had applied for the card offer which didnt include the bonus which isnt I sent the proof then I was told that I was declined for that offer but they didnt acknowledge the fact that they still sent me a card even though I was declined for that offer without letting me know that I was declined for the offer which I had applied for. If they had just declined sending me the card true. When I told them I had applied for an online email offer. I was told to send the proof which I did. After because they felt I didnt qualify for offer that would have been fine with me but they pulled a bait and switch on me by sending me a card with the promise that I would receive the {$200.00} bonus that was promised me in the beginning. Ive recently looked at the XXXX site and have noticed that Im not the only on whos been tricked by Capital One with this bait and switch offer.
Consumer complaint received 2024-07-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (GA)

Received letter from XXXX XXXX dated XXXX XXXX, XXXX with the subject : Your mortgage is being transferred to a new servicer, Mr. Cooper on XX/XX/XXXX. 

XX/XX/XXXX. - Paid off mortgage to XXXX XXXX via phone. Paid {$10000.00}. 

Received statement from Mr. Cooper dated XX/XX/XXXX with a payment due of {$1100.00}. 

Received a payoff quote from phone request dated XX/XX/XXXX. The payoff amount was {$11000.00}. The quote listed the {$10000.00} I paid to XXXX XXXX under Additional Funds as Unapplied Funds. 

Loan paid off per phone call to Mr. Cooper on XX/XX/XXXX. 

Received Notice of Servicing Transfer from Mr. Cooper on XX/XX/XXXX. 

Received statement dated XX/XX/XXXX with an amount due of {$1500.00}. It included a regular payment of {$1100.00} plus fees and charges of {$380.00} which I paid off with my loan payoff to XXXX XXXX. 

XX/XX/XXXX - phoned Mr. Cooper. Escrow balance {$0.00}. Automated response : heres a summary of your latest loan information ( I heard nothing! ). The automation said my payment is zero and no payment history is available at this time. 

XX/XX/XXXX - talked to Mr. Cooper representative at XXXX XXXX XXXX 

XX/XX/XXXX - Paid Mr. Cooper {$1000.00} ( XXXX ) for homeowners insurance they paid to pay off loan via XXXX ( XXXX ). She said she would code it so Account Services would be aware of the payoff so they could close it out. 

Received a statement dated XX/XX/XXXX with an amount due of {$2700.00}. This amount included the XXXX payment due. 

Received a payoff refund check of {$3.00} dated XX/XX/XXXX. 

XX/XX/XXXX - Emailed letter to XXXX with the subject : XXXX XXXX. Received automatic reply that said my email was received. Please allow up to XXXX business days for a review. 

XX/XX/XXXX - Emailed letter to XXXX with the subject : Appointment. Received same automatic reply : Your email has been received! Please allow up to XXXX ( XXXX ) business days for review. 

Note : I called Mr. Cooper and XXXX XXXX several times but the above sequence of events is what I have documentation of.
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

I have 8 parent plus loans serviced by EdFinancial. I have received conflicting monthly payment amount due figures. 
Given the terrible track record that EdFinancial and other loan servicing companies have, I want to make sure that EdFinancial is charging me the correct amount every month. I have requested from EdFinancial : 1. the formula ( s ) used to calculate my monthly payment 2. the inputs ( actual numbers used ) to calculate my monthly payment 3. the calculation ( inputs applied to formula ) to calculate my monthly payment In short, I have requested EdFinancial to provide the simple step-by step process to how it calculates my monthly payment. I want EdFinancial to show its work. 

I have requested this several times via email, but EdFinancial always answers with non-responsive information and a referral to it customer service telephone number. EdFinancial continuing refusal to provide information it can easily access is suspicious. EdFinancial has referred me to the Loan Simulator Tool, but that tool ( as explained on the website ) is only an estimate and should not be relied on for accuracy. Further, referral to the customer service telephone number is tantamount to complete avoidance as this telephone number always has wait times in excess of 200 minutes.
Consumer complaint received 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (FL)

On my online account and their automated answering machines using many phone numbers, some of the information states the fact that my loan is paid off. Conflicting data shows that a payment is due next month. I got a bill in the mail. All of the many phone numbers for Cooper have the same automated answering machine message with no way to communicate with a human about a problem.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX This account was charged off on the following date : XXXX : XX/XX/XXXX XXXX : No data Transunion : XX/XX/XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Consumer complaint received 2024-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (OH)

My Name is XXXX XXXX XXXX XXXX. The account is for XXXX XXXX XXXX. I turned XXXX in XXXX well after this account was opened. I am not responsible for this Debt. all they can prove is that my address is the same. I was never at that address
Consumer complaint received 2024-06-24
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. (FL)

To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not mine ; I am not responsible for these accounts ; I am a victim of ID theft. 
People have used my information to open them and make fraudulent activities. 
To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC (GA)

Through ( CFPB ) the accused debt was consolidated through my insurance policy I also filed a complaint through the CFPB concerning the matter of the insurance company for not honoring the insurance policy that complaint number is ( XXXX filed through CFPB ) This has caused inadequate information on my credit. I would also like to have full documents from the property adjuster that evaluated the damages before American credit acceptance removed the vehicle from the impound it is in the best interest to take this matter up with the insurance company to resolve the above statement
Consumer complaint received 2024-06-24
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)

An XXXX  loan was reported to my credit. I did not openi this account I have XXXX collections auctions XXXX XXXX for {$800.00} XXXX XXXX XXXX  for {$1200.00} XXXX XXXX XXXX  for {$620.00} These are not my accounts. Must be Theft
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear XXXX Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, which has resulted in my involvement in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that a fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance are not mine, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you could address this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX From : XXXX XXXX XXXX Sent : XXXX, XX/XX/2024 XXXX XXXX To : XXXX XXXX XXXX Subject :
Consumer complaint received 2024-06-22
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

US Department of Education The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX
Consumer complaint received 2024-06-24
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-07-28
Product: Mortgage — FHA 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: Mr. Cooper Group Inc. (CT)

I sent several emails and filed a previous complaint to Mr. Cooper regarding the agreement to repay modifications to my mortgage during covid. I want to know why this is a separate repayment and not added to my loan. Mr. Cooper resent the papers I signed and no explanation or a response to my inquiries.
Consumer complaint received 2024-06-21
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. (WY)

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in XXXX XXXX. XXXX ( XXXX ) with Credit for review or collection. 
I do not recall opening or transacting with the entity associated with this account. Also Possible XXXX Given the lack of recognition and the absence of verifiable information, I suspect this account XXXX be fraudulent.
Consumer complaint received 2024-06-21
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. (FL)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERIS BANCORP (GA)

I had a debit transaction for XXXX on XX/XX/year> that we did not authorize. I went to Ameris Bank in XXXX, Ga once we made the discovery and sat down with XXXX the bank representative to make a fraud report. As if XX/XX/year> we still have not been contacted by any fraud department and the bank asked us for an additional XXXX weeks before they will return any money that was fraudulent taken. We have no case number or anything. The bank does not want to insure the money we lost in my account.
Consumer complaint received 2024-06-24
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. (GA)

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. 

has violated my rights. Or a list of inquiries : 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 XXXX 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 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/year> to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports