davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

I cosigned for a vehicle lease for someone else. The account became delinquent and I was never notified by the company. When I found out, I contacted the company and I paid the full balance of {$1300.00} on XX/XX/XXXX. In XX/XX/XXXX, the company reported a charge off after I had paid the full balance. This was malicious and creates a false and unfair depiction of me. I have no other late payments on my credit reports yet I have been paying higher rates for an excessively long time ( 6 years ) because of something that was not my fault.
Consumer complaint received 2024-09-12
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. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-06-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NJ)

I went to a local Macys store where the cashier asked me if Im interested in receiving a discount on the day of my purchase and I said yes. However, I was not notified that this was a credit card application and she would therefore be running my credit. I called after I received the card and Macys asked me to pay the balance which I did because I was not aware that you are not supposed to pay the balance when disputing which was also misleading as I had originally expressed that this was opened without consent of running my credit. Now I am disputing the card on my credit report with the 3 bureaus and they are not removing this off of my account. They are marking it consumer request closed. According to my credit report, you can clearly see I dont have any retail store credit cards and I would never want them.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I notified the credit bureaus I noticed on my credit report that my personal information is wrong and needs updating there should only be my name, one address, and one social security number. All other names and addresses im not associated with should be deleted I have yet to hear anything back from the bureaus today is XX/XX/XXXX I have attached documentation down below
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (CA)

Since XX/XX/year>, I have made numerous attempts to work with Mr. Cooper by XXXX to get a modification and loan resolution. I am XXXX and have a hard time hearing ; I've requested accommodations and was denied. I was hung up on it and told I could only communicate in writing. I asked for a callback from the supervisor and have not received any correspondence from the servicer. Also, I've applied for modification three times and supplied them with all the info plus extra, and they keep closing the application, stating it's incomplete. They only have an app for uploading and submitting documents and forms, but it's very unclear, mislabels the documents, or conveniently doesn't forward them to the correct department. I'm supposed to have one single point of contact, but they have also failed to provide that, forwarding me to an entire department that refuses to talk with me. The XXXX  XXXX XXXX  helped me for a bit, but all my funds went to fees and bogus charges ; all the statements from Mr. Cooper vary, including random charges that don't add up to almost XXXX.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

Received a fraudulent/phishing/scam email from " Paypal '' stating that there was a payment request from a XXXX XXXX for {$590.00} it then provided a number to call if I did not recognize the seller. I called the number XXXX and a man with a foregin accent answered. I only provided him with my name and then I believed fraud had been committed on my account. He then immediately disappeared from the line and I heard some kind of chime tone or hold tone. I hung up and then checked the actual email address the email came from which was XXXX which would NOT be Paypals actual email I don't believe.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

We had a issue where the mortgage company raised our mortgage payment without notification this was due to the home coverage going up that was not communicated with us as well. We were informed that we were short we reached out to PennyMac and sent in what we short. We made adjustments to our monthly payment to the new payment, a month later we received a call from a automated system from PennyMac stating we were short the same amount as the prior much, this caused much confusion. 
I called the XXXX and was transferred to call center in the XXXX where I spoke to a woman who refused to transfer me to an account XXXX. I explained my situation and the woman began to raise her voice at me asking me why I want to talk to a XXXX which I explained a second time why I was calling, I requested to speak to her XXXX and she continued to refuse to transfer me as requested, she then raised her voice to me again so I disconnected the call. I attempted to call another PennyMac line where I again was sent to the call center in XXXX a operator came on who spoke very broken XXXX which I think was done on purpose because as we continued with the call I could hear the woman who raised her voice at me previously. He then explained some of the money was sent to the principal which wasn't suppose to occur-I again asked for a XXXX and replied Why? After XXXX minutes of talking he refused to transfer me. I stayed on the line after our conversation concluded to take part in the after call survey however the rep hung up on me and I was not able to complete the survey that was advertised prior to rep answering. I have searched the web trying to lodge a complaint but all roads lead to the XXXX call center- I was told that when you request a XXXX they are required to transfer you
Consumer complaint received 2024-09-13
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. (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 Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NC)

Subject : Request for Removal of Late Payment Due to XXXX Pandemic Under 15 U.S.C. 1681s-2 ( f ) I am writing to formally request the removal of a late payment reported on my credit profile under the accommodations provided by the Fair Credit Reporting Act ( FCRA ) as amended by the CARES Act during the XXXX pandemic. 

My account details are as follows : Account Number : XXXX Creditor/Lender : Regional Acceptance Date of Late Payment : From XXXX XXXX XX/XX/year> Due to the unprecedented financial difficulties caused by the XXXX pandemic, I sought and received a payment accommodation from my lender/creditor. According to the amendments made to the FCRA by the CARES Act, particularly 15 U.S.C. 1681s-2 ( f ), creditors are required to report accounts as current if they were current before the accommodation was granted. 

Despite this provision, a late payment was reported on my credit file, which should not have been the case as my account was under a pandemic-related accommodation. I respectfully request that this erroneous late payment be removed from my credit report. 

According to the Cares Act amendment listed above, I was not late. Please show documentation showing proof of transaction showing I was ever late to support inaccurate reporting on my account. If you can not support please delete the alleged late payments from my credit report. 

The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

chase listed an account as charged off account more than 2 years ago. i have been asking for a 1099 c form, which is a cancelation of detb and they are refusing to send one. once the account is charged off, they have reported it as a loss, therefore a 1099 should be sent once it is requested. they are not doing that.
Consumer complaint received 2024-06-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Interest rate
Company: Rocket Mortgage, LLC (TN)

On XX/XX/year> at XXXX, I had a conversation with XXXX XXXX at Rocket Mortgage, who called me to advise that they would look at reducing my loan by {$20000.00} and removing my mortgage insurance from the loan. During that conversation, XXXX advised that he could remove the payments I make towards mortgage insurance, and that they would. They did a soft credit check and said even though my credit score was low, they could still remove the payments toward mortgage insurance. He said they definitely could which was promissory. On XX/XX/year>, at XXXX, I received a phone call from a representative at Rocket Mortgage claiming to be a banker. They did another soft credit check and said that an FHA loan requires mortgage insurance to be on there for 11 years. Both parties had the same information accessible to them at the time of the phone call. The FHA had been in place during both phone calls, and XXXX should have on file that this was an FHA, and if what the second representative said was true, should have advised. It was an unlawful business practice for them to guarantee me a product or service and then do the opposite. Both phone calls were recorded. At this point, I am holding Rocket Mortgage accountable for promissory estoppel, and will seek appropriate legal action, including but not limited to filing this complaint, and potentially seeking adjudication against Rocket Mortgage for their actions. I request for them to be held at their guarantee.
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-06-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I tried to use an e-gift card on multiple occasions but I keep getting an error. I don't know what is going on. I've tried multiple online stores. I called Amex a while ago and told them of the problem but they keep telling me that particular store where I was trying to complete my purchase does not accept the card or I did not enter the security code. But I did enter it and it still did not go through. I would like a refund please. Amex told me there's nothing they can do but I need the card to use it for expenses. I am struggling financially due to my divorce.
Consumer complaint received 2024-01-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HGREG.com (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX RE : CFPB COMPLAINT ( XXXX ) TO WHOM THIS MAY CONCERN, FAILURE TO RESPOND WITHIN XXXX BUSINESS DAYS IS YOUR TACIT AGREEMENT THAT YOU ARE INDEED OPERATING UNLAWFULLY AND WILL COMMENCE LEGAL PROCEEDINGS. 

HGREG IS CURRENTLY IN VIOLATION OF : THE EQUAL CREDIT OPPORTUNITY ACT, THE CONSUMER CREDIT PROTECTION ACT, AND ILLEGALLY ENFORCING A CASH TRANSACTION WITH A FINANCING TRANSACTION ( 15 U.S. CODE 1605-1606 ) WITH PENALTIES OF UP TO ( {$5000.00} TO {$25000.00} PER DAY ) AS DETERMINED BY A COURT OF LAW. 

I WAS APPROVED FOR {$30000.00} BY XXXXXXXX XXXX  AND I DEMAND ACCESS TO MY LINE OF CREDIT. I WILL NOT BE PAYING A DOWN PAYMENT AND I AM NOT REQUIRED TO DO SO AS LONG THE FINAL TRANSACTION DOES NOT EXCEED THE AMOUNT GRANTED BY XXXX BANK WHICH IS {$30000.00}. 

NO FACTS CAN BE TRIED IN COURT. PLEASE RESPOND IMMEDIATELY TO RESOLVE THIS MATTER OR SUFFER IMMEDIATE LEGAL ACTION. 

I UNDERSTAND THIS MAY HAVE BEEN AN ERROR ON YOUR BEHALF AND YOU MAY HAVE NOT KNOWN YOU WERE OPERATING UNLAWFULLY, AND I DO NOT WISH TO ESCALATE THIS MATTER. 

I WILL GLADLY MAKE THE PROPER VEHICLE SELECTION NOT TO EXCEED ( {$30.00}, XXXX TOTAL ) AND NOT PROCEED FURTHER WITH LEGAL ACTION, ONLY IF WE CAN QUICKLY COME TO AN AGREEMENT. 

THANK YOU. 

" XXXX ID XXXX. : XXXX Date of Inquiry : XX/XX/2024 Submitted by : HGreg.com Application Status : XXXX '' XXXX XXXX XXXX XXXX ATTACHED )
Consumer complaint received 2024-04-26
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: Experian Information Solutions 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 2024-09-11
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)

Today, as I was checking my credit report I cant help but notice that there are inquiries in it that I don't recognize, I did not authorize this nor given consent to the companies to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2024-09-11
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. (PA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"