davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA (CT)

During my inquiry for a bathroom remodel, XXXX XXXX salesperson misled me that a loan application would be a soft pull on my credit. This application went thru GreenSky Loan services and resulted in a hard pull and an opened ( but not activated ) account. I did not go through with the remodel, but was caused harm due to this misinformation. This incident occurred in XXXX of XXXX  but I did not realize the hard inquiry until today.
Consumer complaint received 2024-02-08
Product: Mortgage — Other type of 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)

In XX/XX/XXXX I applied for a mortgage modification due to financial hardship. Today XX/XX/XXXX I received an email, after calling to ask for an escalation last week. After 11 months and {$20000.00} in past due payments Mr. Cooper aka Right Path Mortgage Servicing has notified me of " ineligibility '' for modification. 

Every month I followed up and submitted every document requested. This morning, XX/XX/XXXX, at XXXX XXXX  XXXX, I called about the email of ineligibility. The automated phone message stated CSR are not available until XXXX XXXX  XXXX? Is was after that time and no reps available?
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX and Capital One failed to provide the consumer with the agreed and advertised interest-free 12-month payment terms. As a result, the consumer was charged significantly more in the subsequent months, resulting in significant financial burdens to the consumer. 

Whereas the customer agreed in XX/XX/XXXXXXXX  to make a purchase of {$7100.00} from XXXX XXXX with 12-month interest free financing and monthly payments of {$590.00} through Capital One, using the XXXX XXXX Credit Card. Capital One issued bills to the consumer in XX/XX/XXXX and XX/XX/XXXX for {$3300.00} and {$1200.00}. When the issue was raised by the consumer, Capital One initiated a dispute process that has yet to resolve the issue and resulted in the customer being required to make payments in XXXX and XX/XX/XXXX totaling {$3600.00} while they work to resolve the issue. Capital One reiterated to the customer that while XXXX XXXX and Capital One made an error and failed to resolve it properly when first contacted, that the customer is still responsible to pay the incorrect charges while they resolve the issue. 

The sequence of events provided herein describes the actions of the Merchant and Capital One which have resulted in the customer being significantly overcharged in XX/XX/XXXX and XX/XX/XXXX and failed to deliver the promotion to the customer as advertised and agreed upon.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Dear Sir/Madam : I checked my personal consumer report and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Sincerely,
Consumer complaint received 2024-02-05
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. unauthorized without my permission. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) , XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), have 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 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 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.

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a certified letter to Equifax disputing incorrect information on my credit report. I asked them for a method of verification on several accounts that appear on my credit file. Equifax failed to respond, send any correspondence or investigate my dispute because the errors are still reporting on my credit file. To be specific, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) I requested Equifax send me physical proof of verification. Their lack of professionalism is disrespectful and costing me and my family financial distress. XXXX refuses to respond or delete inaccurate information after given the 30-day period to investigate my disputes. Stalling, hoping that I would stop disputing eventually.
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (OK)

This is a continuation of Complaint ID # XXXX Evidently, CFPB has not contacted Indigo/Concora on my complaint because I have received a letter attached from them stating that they reject my dispute on my Account but they still show ( when I tried to make a payment right after this happened ) of {XXXX, they showed on the payment online that I owed XXXX plus a {XXXX} late charge. I did not pay that. As I showed to CFPB, I made both payments and the one through XXXX XXXX XXXX XXXX XXXX. The one from XXXX did not and I showed that the account is opened AND that I had funds in that account. But then I get this incoherent letter from Indigo/Concora stating that they rejected my dispute because a payment of {XXXX was returned from XXXX. ( They must mean XXXX} ) Which I showed that there was funds in the account and I had paid 6 or 7 other credit card accounts through that account. ( you have the statement ). Since CFPB is having difficulty understanding this transaction, can you have a Superviser call me at XXXX. 
Thank you, XXXX XXXX XXXX XXXX I had also attached in previous e-mail letter from my Attorney that it looked like to her that they were trying to extort additional fee income from an older person.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

i am a victim of identity theft. currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX. i have not applied for any credit, nor have i caused any inquiries since XXXX the following information has been my only information since XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i have never applied for student loans nor any loans. i am XXXX and have never had an employer. i have never had a bank account and the only credit account was from XXXX : XXXX XXXX. i have never lived in an apartment nor have any evictions.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I had contacted Equifax via phone call on XX/XX/XXXX after having my digital inquiry dispute automatically denied. This was to make aware of fraudulent activity on my report and to request further infomrtaion as to why they had refused to correct my information with supplied information. I was informed they would not be removing the Target credit card application from XX/XX/XXXX unless I mailed them a copy of my SSN and other personal information, which has already been compromised, through USPS. I had offered to provide copy of report filed on identity theft government site as well as police report information I had filed with my local borough and they again refused and stated I needed to send my other sensitive information through USPS and could not provide anything digitally. XXXX and XXXX corrected this information with the provided reports and without me having to mail any information that could further compromise my identity.
Consumer complaint received 2024-02-03
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: Grain Technology, Inc. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Consumer complaint received 2024-02-03
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. (NV)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent. Equifax keep furnishing alleged transaction ( s ) on my account XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX  that Equifax identified as late / charge off-status.15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.
Consumer complaint received 2024-02-03
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. (NV)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent. XXXX, EQUIFAX, XXXX keep furnishing alleged transaction ( XXXX ) on my account XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX that identified as late / charge off-status.15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: First Reliance Holdings LLC (SC)

This bank provided my nonpublic private information to non affiliated third parties even though their terms and conditions agreed to not do so. This is in violation of the privacy act of XXXX. It is now charged off. A charge off according to the IRS publications is a certificate of indentures which is now considered income & cant be reported.
Consumer complaint received 2024-02-03
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CDS Debt Relief, LLC (TX)

Its a company posing as XXXX XXXX XXXX, though when the application was sentand received they Jargon-ed me, assured me they would call the next morning, and I had 6-days to cancel All of which were now falseI can not find an electronic option for cancellation as well
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 1 5 U.S.C 1 681 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 information relating to a customer to a credit reporting agency if the person has any reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. 

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Since XXXX XXXX, XXXX XXXX XXXX have been reporting incorrectly and showing a balance, late payments that does n't exist. The credit bureaus shows that I have a balance of {$370.00} and still reporting as past due. I have called the XXXX XXXX XXXX and explained it to them and they agree with me that I should n't have anything reporting with them. I also dispute this with the bureaus numerous of times without any resolution. Now I 'm feeling ignored because I have shown proof with documents that shows that my balance is zero and I was never late with any payments. However, nothing has been changed by either parties.
Consumer complaint received 2017-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK (NY)

I opened up a XXXX XXXX XXXX ( or sometimes referred to as Banco Popular ) account. I made an opening deposit of {$25.00} of which was to be transferred by XXXX XXXX. On XXXX XXXX XXXX, I was told that XXXX XXXX rejected the {$25.00} ach transfer and that the XXXX XXXX XXXX account would be closed that night ( because it is their policy to automatically close accounts in which the initial funding has failed ). On the same day ( XXXX XXXX ) I transferred {$10000.00} from my XXXX XXXX account to my XXXX XXXX XXXX account. The funds arrived in my XXXX XXXX XXXX account on XXXX XXXX. Since then I have been told that the XXXX XXXX XXXX  account is in process of closing and that the {$10000.00} would be returned to the bank that the money originated from ( which was XXXX XXXX ). It has been 18 days since I was told that the Popular Community Bank account would be closed ( which was on XXXX XXXX ). They told me that they will not transfer the {$10000.00} back to XXXX XXXX until the account is closed. They have been holding my {$10000.00} hostage for 18 days now and simply take their time closing my account. I have called them 6 times and have been into their branch on XXXX XXXX XXXX in the XXXX NY and nothing has been done. Please take action in any way that you can.