davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (GA)

XXXX passed a law to protect me from being late XXXX XXXX XXXX ( a ) a creditor XXXX not treat a payment on a account under an open end consumer credit plan as late for any purpose And also they recieve a XXXX down payment from me and according to TRUTH AND LENDING THAT IS ILLEGAL XXXX XXXX XXXX XXXX FINANCE CHARGE
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-30
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. (NE)

i am now requesting proof of the previous investigation, I'm asking that you send your method of investigation along with all records of who you spoke with their business address name and phone number as well as documentation that proves this account was late. if you can not provide me with this information in 15 days update this account to paid/never late and send me a copy of my updated credit report. 

XXXXXXXX XXXX Account # XXXX
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

ON XX/XX/XXXX, my mortgage payment increased from {$4200.00} to {$8800.00}. I can not afford the increased payment amount. I applied for a loan modification the first week of XXXX 2016 ' and was informed that I was declined due to, '' negative disposable income. '' I have made my mortgage payments in the time agreed since I have been assigned to Nation Star. 
It is clear they are once again attempting to take my home. They sent me two different payment amounts for months ( see attached. ) Years ago when the loan was first modified they knew I would be unable to make a payment that would double. IT WAS A CLEAR SET-UP FOR FORECLOSE. I made the agreed upon monthly payments until this month. 
Additionally, on XX/XX/2016, I was informed that my loan had been in underwriting since XX/XX/2016. However, I did n't apply for a modification until XX/XX/2016 '. Also, they randomly took over my home insurance as if they already knew I would be declined. My current FICO score is XXXX. This episode is scheduled to surely destabilize me and possibly leave me homeless. PLEASE HELP.
Consumer complaint received 2024-05-30
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. (OR)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-30
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. (TN)

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 informationisinaccurate.
Consumer complaint received 2024-07-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

Since XXXX XXXX I have been calling and requesting removal of escrow from my account that I can not afford to pay the mortgage with the escrow attached. I would get automated responses from the company so then I called, every time I would call the Insurance section would refuse to talk to me. The would only relay thru customer service personnel a different requirement every time I would call. 

All of the documents had been submitted to the previous company but apparently I had to start over. On the XXXX of XXXX I sent the first series of documents while having to ask for assistance from charitable agencies to pay the mortgage payments. I received support and it was sent mid to late XXXX for XXXX and XXXX as the Company ( Freedom Mtg ) keep making excuses as to why they would not release the escrow and change my mortgage requirement. 

On XXXX XXXX after XXXX days and over XXXX different messages requesting release of my escrow they claim that I needed more insurance. The very insurance that I provided in the document dated XXXX XXXX with attached certifications of payment of XXXXXXXX XXXX and XXXX exemptions due to my being a XXXX Veteran. 

At no time would the insurance/decision making people at Freedom Mortgage talk to me work with me or otherwise allow me to make any changes or updates they would only talk to customer service/escalation personnel who appear to be the same people... I believe beyond a reasonable doubt that they are trying to make me default on my loan and take the house because this is how I am left to feel.
Consumer complaint received 2024-06-28
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: CITIBANK, N.A. (NY)

i have disputed CBNA INQUIRIES AND CITIBANK INQUIRIES FOR THE PASS 5 MONTH WITH XXXX KEEP THEM IT ISNT ME APPLY THEY DONT DELETE IT THEY ALWAYS FIND AN EXCUSE TO LEAVE INQUIRIES AT MY JOB CREDIT REPORT AT XXXX I DONT GOT NO INQUIRES NO OTHER BUREOUS BESIDE XXXX IM TIED CALLING SENDING PAPER OUT WASTING MY MONEY ALL THE TIME LETTING THEM KNOW THATS INCURRATE INQUIRIES NEVER WAS ME PLEASE HELP
Consumer complaint received 2024-07-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CarMax, Inc. (OK)

I spoke with CarMax Auto Finance ( C.A.F. ) on XX/XX/year> in regards to a debt my ex wife owes on a vehicle she financed through C.A.F. And I co-signed for her. They stated that my credit would reflect non payment if her debt was as not paid. 

She stopped making payments resulting in a less than {$2000.00} debt. I gave C.A.F. Her contact information. They have consistently called a few times a week since then. 

Between Sunday XX/XX/year> to Wednesday XX/XX/year> they ( C.A.F. ) have called my phone number and left voicemail messages XXXX separate times which according to my understanding of the Fair Debt Collection Practices Act is excessive. 


Attached is a screen shot of this call history.
Consumer complaint received 2024-06-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (ID)

I went through a drastic change financially and did not expect it and usually if you see that I constantly pay my dues every time that's why there's so many closed accounts with this loan place but I have gotten to a point of having trouble even paying most bills right now.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (PA)

I have not been late on my accounts and they are also still showing as delinquent when the accounts are paid off and closed. Inaccurate reporting on my credit is hindering me as I am trying to purchase a house
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I opened two credit cards with XXXX XXXXXXXX XXXX in XXXX to reestablish my credit so that I can obtain things that I want and need, everything with them was great in the beginning and they were helpful a few times throughout my journey with them and I am thankful for that. However, I have gotten terminated from multiple employers along with losing my vehicle, my home, close people in my life, being cut off and disowned by people in my life due to personal reason in addition to my financial burdens. I have been on the streets, shelters, squatting in vacant properties, washing up in public places and denied XXXX benefits. I have not been able to get steady employment other than under the table which barely makes ends meet, I have explained everything to them, but they are empathic to a point. I try to condone myself professionally, however as a consumer I should have a right to speak out about how I feel about things and my feelings. I have worked since I was XXXX, despite the abuse I received from the age of XXXX and has been ongoing. I have going through emotional and financial stress ( as well as duress due to the current and past issues ). Additionally, they closed one of my credit cards due to return payments in which I have explained that I have gotten terminated from my employment with no financial support, no financial resources, loss of my residence, loss of my vehicle and having slept in various places. I have tried to find employment ; however, I have not been successful and the negativity this account has had on my credit reports have prevented me from having employment, a vehicle and a place to live. I have reached out to several members of management and corporate WHO FAIL TO COMPLY WITH MY REQUEST AS I NEVER ASK FOR ANYTHING BUT I AM HOMELESS WITH NO HOME, NO CAR, NO JOB, NO RESOURCES, NO FAMILY OR FRIENDS!!! THIS IS THE FINAL STRAW AND I AM SICK OF THIS BEING UNRESOLVED. ADDITIONALLY, THEY NEVER NEVER VERIFIED ANY LATE PAYMENTS, ETC!!!!
Consumer complaint received 2024-05-30
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. (CA)

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am unfairly being charged past due fees because the credit card company for one reason or another has not enrolled me in the Auto Pay which I had enrolled previously. I was not provided a reason why I was taken out of Auto Pay and because of this unfair treatment I have been charged Past Due fees for the following dates. 
XXXX XXXX & XX/XX/XXXX for card ending in XXXX. XXXX XXXX & XXXX XXXX for card ending in XXXX. XXXX XXXX for card ending in XXXX. 

I believe I have been unfairly treated here without any notice given or explanation why I was taken out of Auto Pay and now the card company refuses to return the fees they have charged. The total they unfairly charged me is {$190.00} This is the reason why I had enrolled in Auto Pay precisely to avoid charges like these. 

I sincerely request cfpb 's help. You may contact me anytime.
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (KY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7500.00}
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FULTON FINANCIAL CORPORATION (NJ)

to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form XXXX for illegal tax violations upon your company to resolve this matter.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account XXXX : XXXX Account XXXX 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 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 2024-05-13
Product: Credit reporting 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: EQUIFAX, INC. (DE)

XX/XX/XXXX, XXXX, AND XX/XX/XXXX Are dates which i have requested to have the inaccuries removed from my credit report whichstill remains.I have proviced supporting documents such as a clear copy of my Driver 's license and Social security card and proof of residence along with a FTC report stating that there are items on my credit report as a result of Identity theft.I was told that there were several variations of Social security numbers merged with my credit files. I was told that the account had to undergo maintenance in order to get this issue resolved. there is a variety of inaccuries with my personal information such as Names, SS Numbers, addresses and accounts which i have stated on a numerous of occasions and the credit bureau is refusing to update my account. I have followed all suggested actions and reached out to the creditors trying to get this resolved. I am in the home buying process and these fraudulent items are still listed associated with my credit files. there are accounts on my credit files which has been listed for over 7 years that needs to be removed immediately. 
i have sent certified notices to the creditors affirming that i am a victim of identity theft. 
XXXX is refusing to let me access my file, they said this decision is indefinitely.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

On Monday at XXXX noon at XXXX XXXX Chase ATM, I deposited cash. XXXX $ ATM broke down and ate the money. The bank won't give me my money. I have called many times but none of them help.
Consumer complaint received 2023-08-21
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: ProCollect, Inc. (MD)

A collection acount appeared on my credit report since XX/XX/XXXX showing that I owed balance from the XXXX XXXX, an apartment I lived in XXXX. So I contacted the XXXX XXXX on XX/XX/XXXX and got their email reply showing that I don't owe them anything, there must be something wrong with the collection agency ProCollect. I called ProCollect on the same day and sent them my email correspondence with XXXX XXXXXXXX XXXX and asked them to remove the account on my credit report. This account disappeared on my credit report after few weeks, so I thought it's finished. On XXXX XXXX, I got a call from ProCollect again asking me to pay the account. I reiterated the story to that person again and sent them everything again through email on the same day, never get their reply. Until XXXX XXXX, I was applying a new apartment, this collection account appeared again on the tenant screening report from XXXX XXXX, and the application got declined due to this account. Now XXXX asked me to provide a letter from ProCollect showing that this account wasn't mine, but ProCollect was saying that this account wasn't mine so they won't provide anything to me. Neither of them would like move forward for my case, but the account is still on the report and damaging my housing application!
Consumer complaint received 2024-05-30
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. (IL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX date opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I received the Equifax alert on the attempt to apply for a loan in XXXX XXXX using my data. It was a fraud because I didnt apply for any loans in XXXX XXXX and I didnt give anyone a permission to use my data. 
All my credit records are frozen. I contacted the XXXX XXXX, my insurance company, and Equifax in order to get the assistance with invistigation and removing inquiry from my credit history. XXXX XXXX Fraud department found the denied application to get a loan using my data. Unfortunately, all aboved mentioned institutions cant properly assist me and remove this inquiry from my credit history. This situation can negatively affect my credit score. Please, investigate this situation and help me remove this situation from my credit history.