davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened COXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by XXXX U.S.C. XXXX, please block this fraudulent information from my credit report immediately. This information must remain blocked for XXXX year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted Equifax multiple times regarding these fraudulent accounts and inquiries on my credit report, and no solution has been provided. I am deeply affected as this information is not mine and it is harming my creditworthiness. I request all documentation proving that these accounts and inquiries are legitimate. I have requested a response from this agency, and after more than 60 days, I have received no response. 

Please assist me in removing these accounts and inquiries immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hello, we have big problem, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we faxed in a copy of the Appeal request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon. 

Thank you.
Consumer complaint received 2018-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TN)

My payments increased from {$800.00} to approx {$1100.00} and I did my best to pay. I became delinquent around XX/XX/XXXX. I was confused, facing homelessness, and not sure what to do about this. I reached out to Nationstar/Mr Cooper, for assistance. They spread the payments over a few months. I was unable to maintain. I was not given any other options. 
In XX/XX/XXXX, a local ministry/consultant informed me of possible options to Prevent Foreclosure. I paid No Money to this Consultant and gave written authorization to Consultant to speak on the account. On XX/XX/XXXX, we informed Nationstar of our intention to short sale and prevent a foreclosure. We were informed that when an offer is received it must be initiated by a real estate agent via XXXX XXXX. 
We advised Nationstar/Cooper that there was no real estate agent involved and that we hoped to have a Cash Offer soon after the home inspection is completed. 
Nationstar/Cooper did NOT CLARIFY PROTOCOL to complete a Loan mod packet FIRST, then go to XXXX. On XX/XX/XXXX, XXXX rep Unique, XXXX, and XXXX informed Consultant of Mr Cooper site and XXXX. However, the packet was to be mailed to my address as we focused on details of raising the money to pay Cooper account off. I never received the packet that Cooper says was mailed out. All of my mail is being delivered properly EXCEPT Mr Cooper. During this time, the account was sent to foreclosure and a  foreclosure sale date was set for XX/XX/XXXX. 
TO DATE, I HAVE NEVER RECEIVED A NOTICE OF A FORECLOSURE SALE. 
The Consultant found out about the f/c sale date by word of mouth. In fact, when we call in they verify the account but did not mention the sale date until we asked. 

As of XX/XX/XXXX, it was made clear to me and the consultant. XXXXXXXX   never had intention to assist me with saving the home from foreclosure. Therefore, I am writing you for help. This Home does NOT have to go to foreclosure if given clear instruction for mortgage assistance.
Consumer complaint received 2024-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

They say I owe and have missed payments. I have paid off my student loan and I have submitted proof of payment on their website several times.. I have also called several times and every person I speak to does not know what is going on.. 

I am seeking a legal counsel if this is not resolved.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I called Mr. Cooper in late XX/XX/XXXX to request a 2 month deferred payment arrangement as I had missed XXXX and XXXX payment due dates. I was told I was approved for the deferment and made a payment on XX/XX/XXXX. The bank cancelled the deferment and is now telling me that the customer service representative asked if I was able to make a payment this month and since i XXXX have responded affirmatively that I was in default of the terms of deferment. This is not fair as we had been discussing a 2 month deferment which means I would not of had to make a payment until XXXX, which is when I did. The Mr. Cooper representative should not have asked if I could make a payment in XXXX when I was requesting a 2 month deferment.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-19
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Reporting of Inaccurate Information by TransUnion Dear CFPB, I am writing to formally report an issue regarding TransUnion, which continues to report inaccurate information related to my XXXX account. This account was paid off in full on XX/XX/year>. Despite this, TransUnion is still reflecting this account as {$190.00} which is inaccurate reporting of this accounts status. 

I am attaching documents that confirm the account has been paid off in full. Additionally, I wish to bring to your attention that TransUnion has been accessing my credit report without my written consent, which is a violation of the Fair Credit Reporting Act. 

This situation is unacceptable and clearly violates my rights under the Fair Credit Reporting Act. I would appreciate your assistance in addressing this matter and ensuring that TransUnion corrects their reporting. 

Thank you for your attention to this important issue. I look forward to your prompt response CFPB ACCOUNT IS PAID OFF Sincerely
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XX/XX/2023 Consumer Financial Protection Bureau Complaint Regarding Charged Off Repossession on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a charged-off repossession that has adversely impacted my credit report. The purpose of this complaint is to seek assistance in rectifying this matter and achieving a fair resolution. 

Account Information : Creditor Name : XXXX XXXX Account Number:XXXX Charged-off Amount:XXXX Account Information : Creditor Name : XXXX  Account XXXX Charged-off XXXX I am deeply concerned about the charged-off repossession appearing on my credit report, as it has significantly affected my creditworthiness and financial standing. However, I strongly believe that this repossession was unjustified and should not have occurred in the first place. 

I have taken the necessary steps to improve my financial situation since the repossession occurred. 

I am attaching copies of relevant documents, including credit reports, payment receipts, correspondence with the creditor, and any other evidence that supports my claim. These documents serve as proof that the charged-off repossession has been an unjust burden on my credit history. 

I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure the charged-off repossession is removed from my credit report. Additionally, I urge the creditor to rectify any inaccuracies or discrepancies on their part that led to the repossession and its subsequent charge-off. 

I seek a fair and just resolution to this issue, as it directly impacts my financial well-being and future opportunities. Removing the charged-off repossession from my credit report would greatly alleviate the difficulties I have faced in obtaining credit and financial services. 

I appreciate the assistance and attention of the Consumer Financial Protection Bureau in addressing this matter. Please find attached all the necessary documentation to support my complaint. I look forward to a prompt response and resolution to this concerning issue. 

Thank you for your time and consideration.
Consumer complaint received 2024-10-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

On XX/XX/2024 I purchased XXXX ( XXXX ) {$XXXX} XXXX XXXX from XXXX 's supermarket. These gift cards are distributed and serviced by XXXX XXXX XXXX. When I tried to use these gift cards I was given an error message and was unable to use the cards. I tried several times and have never been able to use them. 

I first started talking to XXXX about my issue with my gift cards on XX/XX/2024. At that time they gave me a case number - XXXX. They also asked me to email them copies of the cards, copies of my receipt, a copy of my drivers license and a utility bill. I emailed all of that information to them on XX/XX/XXXX. 

I have now called XXXX several times to try to resolve this, including on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Despite my calls, they are just giving me the run around. They claim they " escalated '' my issue but every time I call they tell me they don't have an answer and to call back in a few days. Please help me!
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I do not have any overdraft protection and yet wells Fargo continuously pays items despite there being insufficient funds. If my account does not have funds they should be returning the item NSF. Instead they pay items and then charge me XXXX dollars in overdraft fees. When I contacted them they stated that because of the extra day grace period they had a right to charge me even though that was not agreed upon.
Consumer complaint received 2024-09-18
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against TransUnion Regarding Credit Reporting Dear CFPB Team, I am writing to formally file a complaint against TransUnion regarding my recent experiences with their customer service and the handling of my credit report.

I received an email from TransUnion expressing a desire to discuss my situation, but I have found that contacting them has been largely unproductive. I have spent an excessive amount of time on holdup to 30 minutes to 1houronly to receive little to no resolution regarding a negative remark on my consumer report. 

Despite my efforts to point out negative remarks that are affecting me financially, there has been no change in my report. Specifically, I have requested the removal of negative remarks and for certain accounts to be marked as " paid and closed '' or even deleted from my report. I believe that such updates should not take 30 days that TransUnion indicates, especially when the errors are clear. 

I would appreciate your assistance in resolving this matter and ensuring that TransUnion adheres to fair practices in credit reporting. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has mishandled my credit card hack. Capital One has responded to my complaints with complete chaos and confusion. 
Before the hack, I had a Venture Visa with a {$9500.00} limit and a Quick Silver with a {$11000.00} limit. Now, I only see one Venture Visa with a {$5000.00} limit on my bill. Capital One has repeatedly changed the number on this card and is now operating with a card that I do not physically have and know nothing about. Capital One has mishandled the reconciliation of fictitious transactions on this card. Fictitious transactions were left on this card that constituted a debt, specifically transactions for {$770.00} and {$92.00}. Capital One is charging interest and penalties on this fictitious debt. 
Capital One has not responded to my written complaints. Instead, it sent a formal letter to the CFPB in which it described its inappropriate actions. These actions did not lead to a positive resolution of the situation, but only worsened it. To my surprise, based on this response, the CFPB closed my complaint.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 604 A Section 2 : It also 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV INC. (MD)

On XX/XX/XXXX, I called Money Network to check my payroll deposit and there was only {$7.00} on my account. My paycheck was deposited and completely taken. I contacted Money Network and was advised a virtual check was written on my account. I filed a dispute with this company and was issued a new card. I have never authorized a check on this account. I have had this account since XXXX XXXX XXXXXXXX since XXXX and never had this issue. I received a new card and activated the card on XX/XX/XXXX and the money was not available. I contacted Money Network and advised the card is now activated but the funds were not on the card. I was advised by supervisor XXXX, the money was returned to my card on XX/XX/XXXX and someone by the name of XXXX XXXX wrote a check for {$470.00}, which left {$7.00} in my account. Therefore my account is now fraud for the second time, in less than XXXX weeks. I was told to file another dispute. I advised to Money Network ; my fear is now someone will take my money for a third time. XXXX told me to call every day to see if the money is back on my account. I asked, why can't a check be written to me and mailed to my home and close the account, as it is unfair, my money is being stolen and Money Network is not taking this seriously. I am XXXX  and work part time to put food in my home and this is causing a financial hardship to work, and someone keeps stealing my money. I have canceled direct deposit with XXXX for my future pay, however Money Network will not resolve this issue. Money now stolen is over {$800.00} dollars. First amount is {$410.00}. The second thief amount is {$470.00}. New case # XXXX.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is reporting incorrectly that I am ( 180 ) days late on the ATTORNEY GENERALXXXX account number XXXX. ( Please see page attached from my credit report. ) My XXXX XXXX obligations have been met and I have attached a copy of the Release from the XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have sent the required documents ( police AND FTC reports, images of DL & SS card, cover letter ) to Equifax FOUR TIMES over the past THREE YEARS in an attempt to get an extended fraud alert placed on my credit report due to ongoing identity theft, and not only have they not done so, when I call to follow up they blatantly lie / change the story with each person I speak to. The only consistent thing I've heard is that the person I'm speaking with is never the right person, nor are they able to connect me with the right person. The man I spoke with today literally said that extended fraud alerts are handled by a back office that doesn't have a phone number so he can't connect me, the only course of action he could suggest was to send the required documents a FIFTH time ( like that would change the outcome ... XXXX ). 

I have already placed fraud alerts with the other XXXX bureaus without a hitch, so I'm not sure why Equifax refuses to place it. In total, they have received a request XXXX for me and have failed to act. The XXXX additional requests have come from the other XXXX credit bureaus, because, per Equifax 's own website, " You only need to contact one of the XXXX nationwide credit reporting agencies ( NCRAs ) Equifax, XXXX or XXXX place a fraud alert. Then the NCRA will forward your fraud alert request to the other XXXX. '' This is completely unacceptable that Equifax is blatantly ignoring their duty to protect consumers ' information and there is no way for consumers to contact the " right person '' at Equifax to enforce their rights. They need to be forced to put direct contact info on their website for their extended fraud alert department, because supposedly the only way to contact them is via physical mail, and I've done so 4 times and they have yet to do their job and place the alert or follow up with me if there are any issues with my documents.
Consumer complaint received 2024-09-24
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)

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.