davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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. 

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 2024-07-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC (CA)

Received a letter dated XX/XX/XXXX requesting additional documents in order to complete a thorough review of my file and eligibility for loss mitigation services. Letter stated documents needed by XX/XX/XXXX. on XX/XX/XXXX, received a loan modification package in the mail. I had not yet sent in the requested documents so this was a confusing package to receive as I was last told they could not evaluate me for any hoe retention options until they received documents from me. On XX/XX/XXXX, I emailed requested documents to the email address provided in the letter ( see attachment ). Did not receive any furhter communication regarding my application for assistance after sending in the required information. Due to the fact I had not received any further correspondance, and because I was afraid of losing my home, against my better judgement due to the loan modification terms, I completed the loan modification documents in front of a notary and sent them back via XXXX ( they were delivered on XX/XX/XXXX to the XXXX XXXXXXXX XXXX address that I was told to send them to ). I was under impression this would compel LOancare to cancel the notice of default and record it with the County recorder but as of XX/XX/XXXX, I havent received any communication from the lender regarding my acceptance of the loan modification nor of any recordation of a cancellation of the notice of default that was file don XX/XX/XXXX. IT should be noted that I did not receive a copy of the NOtice of Default until XX/XX/XXXX in the mail. This can be verified by Loancare if they jsut check their tracking numbers of the Certified Mail they sent the notice in. It dd not arive to my local post office for pick up until XX/XX/XXXX ( more than a month after it was recorded with the county! ) This is absurd. I was not given appropriate time to respond. They fail to do their job at every turn. 

The lapse in communication from this lender is beyond ridiculous. They send out documents requesting information and provide a timeline as to when those documents must be recived in order to completely evaluate my loan for a loss mitigation offer, but then they dont even adhere to that timeline themselves. There is a delay in communication between departments it seems and as the homeowber, I am the one who suffers. Being as though I have an XXXXinsured loan, the lender will never lose as XXXX will reimburse the lender the FULL AMOUNT of the loan, so they are never going to suffer any loss. But I will, and its all due to their negligence and unfair business practices. IN the event a foreclosure occurs, I intend to pursue a civil suit and have more than enough legal basis and appropriate case law to support the foreclosure being found null and void. They fail to adhrere to timelines and fail to adequately do their job.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NJ)

I contacted Western Funding Inc. 

I am writing to bring to your attention a serious matter regarding my account with their institution. It has come to my knowledge that someone has stolen my identity and fraudulently opened an automobile loan in my name. 

I kindly request that you take immediate action to close the fraudulent account associated with my name and provide me with a letter confirming that the account is not mine. Additionally, I seek assurance that I am not liable for the mentioned account and that it will be promptly removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Western Funding Inc. 

XXXX XXXX XXXX XXXX, CA XXXX *NJ use XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX https : //www.westernfundinginc.comXXXX
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (CA)

I recently opened my Skrill account. My account was instantly restricted after I had {$1000.00} deposited into it. I have reached out to customer support and taken the steps that they have given me. However, Skrill support no longer responds to any of my messages and will not unlock my account.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST PORTFOLIO SERVICING INC (CA)

On XX/XX/XXXX I mailed revvi bank a letter requesting records that were sent to all three credit bureaus be sent to me. So that I can review what was being sent. I received those documents XX/XX/XXXX three letters each addressed to all three major credit bureaus. With just 6 small sentences. Saying my account was charged off and sold. I cant do nothing about. Yet on that letter it states per internal documents the information provided is accurate and true. So everytime I dispute this. I am not being given accurate information. In XX/XX/XXXX I filed bankruptcy in XX/XX/XXXX it was XXXX and revvi was included in that bankruptcy. Regardless if they sold the account to a collection agency as the original creditor they have an obligation to update the reporting. They have failed to. I have attempted 8 times with XXXX XXXX and XXXX and cfpb and no one has done anything.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC (VA)

I was being entered into a XXXX XXXX XXXX  and had to be transported to the hospital on the date in question, couldn't provide health insurance information at the time, wallet was stolen. Health insurance coverage is under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please contact me when you're available and have updated information XXXX XXXX Thanks in advance.
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I sent money on XX/XX/year> to a group of scammers through a wire transfer due to threats and manipulation. The amount is XXXX USD. I contacted my bank, Chase, to reach out to the scammer 's bank, XXXX XXXX to hold and recall as much money as possible. They said they would investigate it but in less than 2 weeks, they closed the case, claiming that they didn't think that was a fraud, as " I may be beneficial through the wire transfer ''. That is really a good explanation, suggesting that even you are a victim of the scammer, we ( Chase ) have no obligation to stop you or provide any help. I already filled IC3, called the local police, and reported the case to the Federal Trade Commission, and now Chase thinks I am benefiting from the fraud transfer. From my standpoint, they have wasted nearly 2 weeks, giving enough time for scammers to transfer the money out, maybe overseas already. They could have stopped me from issuing the transfer because I was not behaving naturally ( I was scared due to threats ), and they could have provided a telephone call as a second checkpoint to remind me I may encountered a scam, and give me some time to think carefully before confirming the transfer, but they did nothing, just one click and let the money out ASAP.
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc. (NY)

I recently opened an account with Skrill Inc. and upon trying to deposit funds into my account for the first time, my deposit failed and my account was instantly restricted with no explanation whatsoever. I attempted to contact the company to resolve this issue, however I have yet to hear a response from them over a week later. Please help me contact them so I can have my account unlocked and can have the ability to use my account as normal once again. Thank you.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

TD bank sent me an email offer that advertised a XXXX XXXX on their signature savings account. I stupidly jumped on it. I changed my convenience savings account into a signature savings account. But after the transfer has been made they are saying that I get .05 % intrest and I will be charged {$15.00} fee monthly. I asked to put my account back to a convenience savings account. back to before. But they can not do that because those savings account no longer exists. It is a bait and switch. and what is the point of paying a monthly fee for XXXX intrest. I do not make alot of money. infact It has been a tough few years. Getting robbed by my bank is so incredibly frustrating it is hard to put in words. And why these actions by banks, airlines, landlords the list goes on, is allowed. I want my bank account back to what it was or I want a XXXX APY with no fees. on my money. My parents claim they got 10 % intrest on their savings account in the XXXX. I keep voting for a better world and easier one to have a family. I don't see it.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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 the documentation that proves this account was late, if you can not provide me with this information in 15 days update the accounts to XXXX XXXX and send me a copy of my updated credit report.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (GA)

I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided. 

Account Name : Navy Federal Credit Union XXXX XXXX XXXX Late Payment of XXXX
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (OH)

Hello CFPB, thank you for reading my complaint. US bank has twice since opening this account in XX/XX/year>, only 9 months US banks has now twice changed the terms and conditions of the rewards and card product. As of today they changed the rewards amount. Meaning rewards are now worth less than before. I have now twice attempted to change card product and they will not allow me. Even though I have XXXX credit score and have always been on time with my statements. 
I just wanted the federal regulators to be aware of this.
Consumer complaint received 2024-07-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (UT)

I can't specify how a payment should be applied and they make me wait until a few days after to get it applied to additional principle. In XXXX I reached out to have my overpayments be applied to additional principle. It is now XXXX and showing that I owe XXXX dollars in XXXX. I keep asking for them to show me when past payment got changed credited to additional principle and they have not shown me. I can't see what dates payments get applied. I now worry that all of the time I have tried to make additional payments since XXXX were applied erroneously or on the wrong date. I will try to refinance but in the meantime I want this fixed.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXXXXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX  ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX )
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MRS BPO, LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX Laws Dear MRSBPO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXXXXXX XXXX XXXX 

It has unequivocally come to my attention that MRSBPO has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for MRSBPO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that MRSBPO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that MRSBPO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I applied for a refinance with my existing mortgage company. I asked for a loan of {$250000.00}. The representative XXXX reviewed information I provided and said he could do a loan for {$220000.00}. I said I did n't want a loan for that amount but the {$250000.00} so I could pay off debts and have a small cushion for home repairs. I told him I was planning to get a job and hoped to be starting soon. He said that we should start the process and when I started working he could re-evaluate the loan amount. Soon after I was transferred to another representative XXXX. I reiterated to her that I was seeking a loan for {$250000.00}. I have emails supporting these exchanges. I sent her more documents and when I started working I sent her evidence of the same. Finally I was told we were ready to do the final signing but she wanted to know how I would be paying my property taxes. I said she should just take them out of the new mortgage settlement. That 's when I discovered they approved a mortgage for {$220000.00} only. I was so angry. Nowhere along the way did they bring this up. None of the documents they sent me to initial or sign included the loan amount. They had plenty of opportunities to clarify this. They even misled me about employment. They now said they could n't consider my employment income until I had worked six months! They were playing me all along thinking I would just accept the final loan approval. I declined the loan after wasting so much of my time and money in sending faxes to them. This is deception in lending.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

*I have been paying the XXXX Monthly min they are reporting that I am not paying. 
* XXXX XXXXXXXX XXXX is not my account I have disputed on XXXX XXXX and I have not heard anything back about this account. 
*Wells Fargo Card Serv I am paying the min required each month however they are adding late charges and fees and extra charges. 
*XXXX XXXX XXXX I am unsure why I am getting a bill from them
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (AR)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as XXXX XXXX and validation was requested in the form of an dispute on XX/XX/2023 as this was an account that I did not recognize. I received a dispute result from Experian today, ( XX/XX/2023 ) saying the account was verified, I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

*I have been paying the JPMCB Monthly min they are reporting that I am not paying. 
* XXXX XXXX XXXX  is not my account I have disputed on XXXX XXXX and I have not heard anything back about this account. 
XXXX XXXX XXXX XXXX I am paying the min required each month however they are adding late charges and fees and extra charges. 
*XXXX XXXX XXXX I am unsure why I am getting a bill from them
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NC)

I filed a complaint with the cfpb to try and get a response from money lion. It was then told to me that the account was closed due to fraud but I could pay it off and it would update and not be listed derogatory or delinquent. I called and paid and the account still shows not paid, balance owed, derogatory and delinquent.