davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Mortgage — Conventional home 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. (GA)

The company continuously deflects responsibility and is practicing deceptive practices against me as a consumer trying to modify my loan or get a forbearance. Every-time I ask them to reach out to the original lender XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX are the servicing lender for to help work out a payment plan due to a predatory loan they ignore me and say they are just the servicing lender and refuse to give me contact info for them ir refuse to help negotiate and try to take a neutral stance. They continuously deceive me and lead me to believe I can possibly modify the loan by sending me letters and calling only to be declined stating the loan matured now. It is a circus and they are trying to deceive me on the phone and bully me with perdonal opinions ifvreps from their modification department criticizing of why i am behind which is discriminatory and unprofessional of a banking institution fuecto my age they are trying yo intimidate me to give up my home instead of trying to help me. They want to collect XXXX but sellout on the steps for XXXX. They are deceptive and tell me to apply for modification and depending on who you get on the phone then say i should not apply. They are unfair practices and i am asking for the CFPB to also give this file to the attorney general of Georgia since Mr cooper is under investigation by over 40 other states. This is pushing me as a consumer into a foreclosure. The CFPB should sue them as Mr. Cooper has cost me several XXXX dollars in interest payments as in addition to this if a customer is in modification they can not get thru the phone lines and I was not allowed to make my payments online making it an unfair and deceptive to the consumers. 

I am asking them to reduce my payment by giving me a 30yr loan and not interest only like I have. I want an amortized loan as every modification the payment was higher not lower but yet they deceive you saying their modification will lower your payment when in fact they increased it. 

I believe they should credit me XXXX dollars in interest and modify the loan for the same XXXX! that they want to foreclose on me for.
Consumer complaint received 2024-01-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TOWNE MORTGAGE COMPANY (GA)

In XX/XX/2023, I had a conversation with XXXX from Town Mortgage regarding a financial hardship I was facing at that time. XXXX assured me that she would pass on the information, but I did not receive any further communication from her or Towne Mortgageuntil yesterday, which was XX/XX/XXXX. It was frustrating to realize that XXXX denied being the person I had spoken to in XXXX, despite my clear recollection of her introducing herself by name. She was rather XXXX and unhelpful during our brief interaction. Instead of guiding me towards any assistance or providing any direction, she simply brushed me off. To my surprise, when I mentioned that I had given consent for a third-party to handle the matter on my behalf, she abruptly informed me that they do not engage with third-party individuals and would only communicate with me directly. XXXX 's behavior, attitude, and lack of professionalism have left me feeling unsupported and disrespected. It seems to me that this company 's intentions are not aligned with assisting homeowners in keeping their homes, but rather with facilitating their loss.
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I went into Capital One bank to open a checking account. I signed the signature card, provided my ID, made the opening deposit, received a temporary check/debit card on XX/XX/XXXX. Today is XX/XX/XXXX and I still can not get access to my account online. I have spoken in person at the branch and over the phone to XXXX ( XXXX ) different representatives. None of them have been able to help so far and checking back tomorrow seems to be the best option after spending between 30 minutes and an hour with each representative trying to resolve the issue of online access. It never occurred to me that in XX/XX/XXXX online access would be difficult at any bank. If I had not already paid to order checks and deposit slips I would simply close this account and find a more competent bank. Can you help??
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to express my extreme disappointment with the inaccurate and incomplete information that you have reported on my credit report. The information provided for the following accounts is insufficient for proper validation, and I demand that you take immediate action to remove them from my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I expect you to conduct a thorough investigation into these matters and provide me with any supporting documentation used to validate these debts. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. The other credit bureaus have successfully expunged these accounts from their records after identifying an error. I am perplexed as to how you have verified it when the other bureaus have already removed it. Kindly remove these entry from my file as it is inaccurate, erroneous, incomplete, or unverifiable. Also, I am compelled to reiterate the matter concerning unauthorized credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XX/XX/XXXX. I categorically did not grant authorization for any representative from these companies to probe and access my credit report. This infringement stands as a clear violation of the Fair Credit Reporting Act Section 1681b ( c ), constituting a severe breach of my privacy rights.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have home loans that XXXXXXXX XXXX has been serving. I have been paying on time monthly mortgage and despite that they have reported late payments to credit reporting agencies in 2023. I have provided all the payment history and bank statements and they still have not fix the incorrect reporting to the credit agencies.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (IN)

I have called and sent in writing to provide documentation verifying that I have an OPEN account with this company. They have yet to provided anything proving this. Per 15 USC 1681 Permissible purposes states this. I also opted out of the company reporting per 15 USC 6802-6805 and it is still on my report with XXXX, nothing has been done. This is violating my consumer rights per The Privacy Act 1974. I want this inquiry deleted immediately.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Do not recognize these inquires and i requested the bureau to remove from my credit and these item where not removed. I am providing an identity them report that i am attaching.Please redone all these inaccurate inquired from my credit repoer.
Consumer complaint received 2024-01-15
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. (IL)

On Equifax XXXX Credit Report there are Inquiries that do not belong to me. The Inquiries are for XX/XX/2023. The inquiries are a result of accounts there were fraudulent and the accounts were removed. These inquiries belong to the account that has been deleted & removed. I'm disputing the Inquiries because Equifax received both Police & FTC Identity Theft Reports in XX/XX/2023 via XXXX XXXX Mail. Equifax has received all other documents in XXXX to prove my identity was used against me which is reason the account was removed. The account was XXXX XXXX  & these are the inquiries that belonged to the account. I've disputed over dozens of time to have the inquiries removed. Equifax refuses. I had credit monitoring with Equifax for over 3 years prior to XX/XX/2023. While disputing the accounts, I continued to pay for monthly credit monitoring. I became a victim of Identity Theft while paying for credit monitoring. There are consequences of Equifax for allowing the thief to report to my credit file after they received info of claims to Identity theft along with document which proves this. My attorneys will be in contact with Equifax for breaking XXXX Laws & XXXX XXXX Laws. XXXX Mail has Tracking Confirmation included to show its delivery status & Equifax received the documents on or around XXXX. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (TX)

I have home loans that Freedom Mortgage has been serving. I have been paying on time monthly mortgage and despite that they have reported late payments to credit reporting agencies in 2023. I have provided all the payment history and bank statements and they still have not fix the incorrect reporting to the credit agencies.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (CA)

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was a collection on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a Collection that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this collection account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEM : XXXX XXXX
Consumer complaint received 2024-01-15
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. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Dear Wells Fargo, I want to bring to your attention a discrepancy in a charged off car loan account XXXX. My name is XXXX XXXX XXXX, and I am concerned about a reported late or missed payment. Pursuant to my rights under 15 USC 1681E ( b ), I request a prompt investigation into this matter.

I also kindly urge you to rectify the reported late or missed payment on my account. It is crucial for my credit history and financial standing that accurate information is reflected in my records, as this incorrect information is currently defaming my character. This matter has recently caused me mental anguish, as well as embarrassment because I was denied credit on multiple occasions because of this matter at hand.

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( B ) provides for all extensions of credit which were derived from a credit card to be excluded from consumer reports. Credit card as defined in 15 USC 1602 ( l ) is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This means you broke federal law knowingly and willfully, which makes you liable under 15 USC 1681n, which carries penalties of {$1000.00} per violation. 

I appreciate your prompt attention to this matter and expect a resolution that involves the removal of any erroneous late or missed payments from my account and all XXXX agencies. Please acknowledge receipt of this dispute letter, and initiate the necessary investigation per the provisions of 15 USC 1681E ( b ), and resolve this matter amicably according to the FCRA.

Unless you can prove to me that this reporting is lawful you agree to : Remove the late or missed payment indefinitely Zero out the balance of the account indefinitely Keep the age of the account indefinitely Change the account status to open indefinitely Change the payment status to current indefinitely Delete the repossession remark indefinitely Thank you for your understanding and cooperation. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-09-21
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. (IL)

Ive recently checked my credit report and saw accounts reporting that I have not authorized or given these companies permission to publish on my credit report Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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. (LA)

I am writing to address a critical matter regarding the Fair Credit Reporting Act ( FCRA ) and the egregious violations committed by XXXX, XXXX XXXX, and XXXX XXXX. It is with great concern that I highlight the protracted delay in resolving these issues, particularly in relation to my Equifax credit report. 

Under 15 USC 1681 section 602, my right to privacy has been unequivocally breached by these creditors. The severity of this situation is further emphasized by 15 USC 1681 section 604a section 2, which explicitly outlines the imperative of safeguarding consumer privacy.

Additionally, as per 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, these creditors are in direct violation by reporting late payments without adhering to my written instructions under an open-end consumer credit plan. 

I am disappointed by the lack of expedited attention to this issue specifically on my Equifax report. 

I urgently request Equifax to prioritize this dispute, conduct a thorough investigation, and promptly rectify my Equifax credit report. 

Your immediate and decisive action in resolving this matter is both expected and appreciated.
Consumer complaint received 2024-01-15
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)

This issue is regarding the reporting of student loans on my credit report because they are a clear violation of my rights under 20 USC 1232g - the Family Educational Rights and Privacy Act ( FERPA ) and the provisions of the Privacy Act of 1974. I believe that my request for removal of these student loans from my credit report aligns with my rights as per 20 USC 1232g, which states in part, " No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing education records ( or personally identifiable information contained therein, other than directory information, as defined in paragraph ( 5 ) ) of students without the written consent of their parents to any individual, agency, or organization. '' Furthermore, Section 7 of the Privacy Act of 1974 provides individuals with the right to access their records and request amendments if they believe that the data is inaccurate, irrelevant, untimely, or incomplete. Specifically, it states that, " Each agency that maintains a system of records shall ... maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to ensure fairness to the individual in the determination. '' As a federally protected consumer, I have the right to have the correct information reported accurately on my report and XXXX, Equifax, and XXXX ; by way of XXXX and the Department of Education, have been misusing my credit file by reporting my student loans, without my expressed written consent. So per the FCRA and 15 USC 6802e ( 2 ), because they do not have my consent, I am opting out of them reporting student loan information on my credit report, effective immediately.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

In accordance with the Fair Credit Reporting Act BEST BUY/CBNA USA has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

In accordance with the fair credit reporting act, American Express has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

I have had an American Express Blue XXXX XXXX credit card since XXXX. I have never missed a payment and do my best about paying them on time. My payments are due on the XXXX of each month. The payment that was due on XX/XX/XXXX was paid on XX/XX/XXXX. When the XX/XX/XXXX payment became due, I was running short, waiting to receive a check from work before paying it. I knew I would be charged a late fee and was okay with that since I needed a little time. I received my check on XX/XX/XXXX and immediately logged into the AMEX app to make the payment. I was unable to make a payment and my credit card had already been cancelled and sent to XXXX XXXX XXXX, XXXX. for collections by American Express. I received an email from AMEX dated XX/XX/XXXX stating the card was being cancelled and was not given a reason. I also received a Notice from a debt collector XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX. When I called AMEX on XX/XX/XXXX, I was told that my account was cancelled and I needed to contact XXXX XXXX XXXX, XXXX. for additional information. American Express has also reported the past due debt to the credit bureaus, effecting my credit score significantly, even know they won't allow me to make the past due payment. I have provided proof that my account was not even 30 days past due at the time of account closure and when sent to collections and was unable to make the payment prior to the 30 days. 

All corresponding documentation is attached, including the email from American Express on XXXX Payment history to American Express for the last 12 months, Notice from debt collectors XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX, and correspondence with American Express customer service dated XX/XX/XXXX and XXXX, XXXX attempting to make payment.
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

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  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

1- IT WAS STOLEN MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH CAPITAL ONE. 


2-I NEVER TOOK OUT A CAR WITH CAPITAL ONE IN THE YEAR XXXX, IT IS ALREADY 17 YEARS OLD DUE TO FRAUD.