davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC (NY)

I am contacting your agency for urgent assistance with my loan servicer, LoanCare/XXXX XXXX XXXX XXXX XXXX XXXX I was awarded a XXXX XXXX mortgage grant approval for {$6800.00}, and was approved for a XXXX Forbearance from LoanCare for the period of XX/XX/XXXX XXXX XXXX, XXXX. There is currently an overage amount of {$580.00} that I personally withdrew from my personal checking account to put towards my mortgage on XX/XX/XXXX, at the request of LoanCare. These funds are in an unexplained suspense account. Why arent these funds applied to my mortgage balance? How long do these funds remain unapplied in a suspense account? LoanCare provided me with a POC, XXXX XXXX, whom I left messages for and have not received a response from to date. 

Although I was eligibly approved by LoanCares Loss Mitigation Department on or about XXXX of XXXX, I recently received a letter from Loancare dated XX/XX/XXXX, that I am not eligible for any Foreclosure Alternatives at this time. These documented letters sent to me are unfair, deceptive, contradictory, and abusive practices of LoancareXXXX XXXX XXXX XXXX XXXX XXXX I am disgustingly disappointed that LoanCareXXXX XXXX XXXX XXXX XXXX is allowed to continue their deceptive practices, placing me in harms way of losing my home. LoanCare offered assistance with granting me a Forbearance, then deciding to renegue on the offer at a later date. This should not be allowed. These mortgage servicers and sub servicers conduct business in XXXX ; however, they should be forced to practice their businesses in Good Faith with the residents of New York State. 

I am reaching out to your agency for urgent assistance in this matter. 

I have attached supporting documents for your review. Please be advised of the servicers documented dates. 

Thank you
Consumer complaint received 2024-04-15
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS FST PREMIER ACCOUNT XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX COMEN HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES | 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
Consumer complaint received 2023-09-21
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I was first emailed by the company about the debt that was owed on XX/XX/XXXX  The same exact day. I was then called by the company, and I let them know that the landlord had not got back with me about how to pay for the debt, but they told me that I still need to pay it. They then proceeded to tell me that I was lucky that it had not been reported to my credit yet. I told him I would call back later to try to get it paid. Once I was able to talk to my spouse, it had become late and they were closed. The next day XX/XX/XXXX  I was contacted again by phone from the same agency. I asked the debt collector nicely to call me later because I was at work. She then proceeded to get very hostile and say well. I was supposed to call back yesterday. Ive been informed her that by the time that I could call back it was past time and no one was in the office. I then told her that I get paid on Friday and I probably could make a payment. Then, she then proceeded to say good luck in a very nasty tone, as if something was going to happen to my credit. I told her she did not have to get nasty with me and I hung up the phone. I then called customer service to try to talk to a manager about how I was treated. while on the phone with the manager, the manager, then got nasty with me as well and told me that I was delinquent he then told me that I must not care about my credit because I was not making the payment today. I told him that I would try to pay it on Friday when I got paid, but he continued to be nasty about it and threaten my credit. I did then get nasty back with him because I felt threatened. At the beginning of this conversation, I try to explain how I felt dealing with the other agent, but he talked over me and would not let me finish a sentence.
Consumer complaint received 2023-12-04
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. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (OH)

In XXXX or XX/XX/XXXX, I received a phone call from Discover stating that my account was past due. When Discover gave me the last four digits of the card number, I told them that I did NOT have a Discover card ending with those four digits. They told me the account was opened in XX/XX/XXXX using my name and " other identifying information ''. I told them that it WAS NOT ME and that someone else opened a card using my name. I requested that they mark the card as fraudulent/close the account. In XX/XX/XXXX, I received a statement from Discover stating that I was responsible to pay the charges for the fraudulent card in the amount of {$2600.00}. I called Discover again and asked them to open up a dispute case. By XX/XX/XXXX, they sent another form letter stating that the account and balance were considered valid. I called Discover again... basically the same conversation. They opened another dispute case. Again, I received a letter from Discover ( on XXXX XXXX, XXXX ) stating that I am responsible for the charges. I was NOT the person who opened the account, nor did I make the charges. I can not seem to get Discover to listen to me as a person ; I continue to get the run-around from Discover when they are the ones responsible for authorizing a card to someone other than me. When I asked for the address that they sent the card ( because it was not sent to my address ), they would not disclose that ... '' to protect the privacy of the other person. '' Discover asked me if I knew of a person named XXXX XXXX. I do not. Discover told me that this person was added as an authorized user for the card!
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-15
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: RentDebt Automated Collections, LLC (KY)

The company had contacted me from an unknown number and never disclosed who they were on XX/XX/XXXX for a scam home loan option that was turned into a different agreement without my knowledge or authorization. I disputed the debt with the unknown debt collector for XXXX they have called several times from multiple numbers. I joined a class action lawsuit against the original creditor last year in XX/XX/XXXX I do not owe this debt and I expect the debt collector to remove it immediately I have never received a notice in the mail nor has the debt been verified by my request no was this even rental company I have also never done business in XXXX or signed any documents I do not owe any debt with this company and my consumer rights have been violated the original creditor has been founded of so many deceptive practices and administrative errors
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Experian, XXXX and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided insome of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to todays complaint.. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B.

Thank you. 
XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

There was no change to the XXXX report reported by Experian. They state on the report XXXX open accounts, when there are in fact XXXX revolving accounts, XXXX of which ( XXXX XXXX XXXX ) was closed by the company and in XXXX and XXXX. The Experian company is falsely stating the issue has been resolved.
Consumer complaint received 2019-09-10
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. (NY)

AS related to XXXX Equifax credit report please be advised that IRS reported identity theft and insists on communication with an identity protection IP PIN. This directly relates to all the fraudulent fact you data mined, without my knowledge, and are now using to reduce my credit score and to purposefully present false reports about me. Therefore please email XXXX the source of the following fact for each of: XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX  - XXXX XXXX and XXXX XXXX XXXX XXXX or as Equifax has fraudulently data mined please email XXXX confirming immediate removal of each false fact from my credit report.Furthermore please email XXXX the source of the following fact for each of: XXXX XXXX XXXX and XXXX XXXX XXXX. or as Equifax has fraudulently received false fact from XXXX XXXX XXXX and XXXX XXXX XXXX. please email XXXX confirming immediate removal of each false fact from my credit report.Furthermore, please email XXXX a copy of my signed authorization for each of: Hard inquiries XX/XX/XXXX, XX/XX/XXXX or as Equifax has fraudulently data mined please email XXXX confirming immediate removal of each hard inquiry from my credit report.  Furthermore, please email XXXX a copy of my signed authorization for each of: Soft inquiries XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX or as Equifax has fraudulently data mined please email XXXX confirming immediate removal of each soft inquiry from my credit report.
Consumer complaint received 2024-03-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC. (OR)

This matter stems from two fraudulent charges to my XXXX XXXX XXXX account on XX/XX/year> one in the amount of $ XXXXand the other in the amount of {$190.00}. Additionally, XXXX XXXX charged both interest and late fees on these fraudulent charges. On the XXXX, 2022 statement, they reverse most of the charges except for interest and another late fee that were erroneously left on the account that should have been removed with the rest of the fraud charges. Subsequently, they continued to add interest and late fees on these fees that all stem from fraud. I notified them several times but they refused to remove these charges which were absolutely not mine. They then sent the account to Midland collection. Midland will not remove the charges either. Absolutely none of the charges were mine and they knew that hence why they reversed the core charges in XXXX XXXX and it shows due to fraud on the statement. Prior to the fraudlent charges on XX/XX/year> the account had a XXXX balance. XXXX allowed the theft to occur and knew it. XXXXXXXX XXXX needs to be investigated for fraud and other issues stemming from charging interest and late fees on fraud charges. 

I am going to seek out an attorney.
Consumer complaint received 2023-10-29
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 following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2024-02-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Adjusters, LLC (MN)

I wrote the company send proof of debt letter over a year ago I have yet to hear anything back I requested they send me proof of debt payment, history, original contract, bearing my signature.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I was told, on a recorded line, by a MANAGER at BOFA that while I was STILL IN MY TRIAL MODIFICATION, nothing would be reported to the credit agencies, because I am STILL IN TRIAL MODIFICATION until the end of XXXX. I have NOT opted out of the modification AND I am covered by natural disaster protection as well. It is literally CRIMINAL that any reporting has been done. I PAID AS AGREED in XX/XX/2023 and have until the END OF XXXX to pay for XXXX. 
You have just created FAR more problems for BOFA as this will be added to a lawsuit since you have done so many illegal things since the HAMP denial to now. Lawyers field day. 
FIX THIS NOW as it is WRONG and not as agreed by BOFA for modification. 
CALL ME NOW! You guys are straight criminal.
Consumer complaint received 2023-12-02
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. (FL)

PLEASE DELETE ALL UNAUTHORIZED INQUIRES FROM MY CREDIT REPORT!!!!!!!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

Home Depot credit card has what they call " promotions '' when you get your credit card. What they don't tell you is that these promotions you are forced into and can not opt out of them. They also do not tell you they pick and choose what products are promotional use. Hone depot also does not tell you that if these promotions are not paid off in a certain amount of time allotted your are slapped with huge interest amounts. I was hit with XXXX in one month for interest, XXXX XXXX the month prior and XXXX the month prior to that. Not knowing, this had made ny account go over its limit. If I jad been informed about all this I could have budgeted ny account more adequately. I can only imagine how many consumers have this happen to them. These are shady business practices. Now I have even been charged a late fee since I paid my standard {$140.00}. Per month, but the wanted over XXXX because the card went over limit due to this who scheme they do not tell you about.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I filed disputed XXXX on XX/XX/XXXX after receiving a text from capital one asking if I attempted charge at XXXX for XXXX I replied NO. and call capital one right then. Informed them I had made no recent transactions and after their text I looked and my card was gone. 
I provided all information and answered questions. On XX/XX/XXXX I received emails saying dispute was denied. I called and asked why they were denied when it was them that alarmed me to the issue. Customer service rep could not answer me. Said they could send report. I said- please send it. On XX/XX/XXXX I called back and disputed other charges that were part of the XX/XX/XXXX dispute. And 2 days later those were all approved. But not the first ones. XXXX total! I still have not received any information or funds credits back that someone stole them capital one stole again!