davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-13
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: CITIBANK, N.A. (CA)

I had a joint mortgage account with my ex-husband with CitiMortgage, and noticed that my most recent XXXX credit report contains a late payment reported on XX/XX/2012. I submitted a letter to CitiMortgage documenting that circumstances revolving this late payment ( s ) were unavoidable on my end. I separated from my ex-husband and joint account holder, and vacated the home on XX/XX/2012. I have provided CitiMortgage with a copy of my divorce decree showing this. I moved to an entirely different state in XX/XX/2012, and was in a different residence when the late payment ( s ) may have occurred. I have also provided them with a copy of my bank statement for XX/XX/2012 showing that at that time my address was XXXX XXXX XXXX, XXXX GA, XXXX. 

Apparently, my ex husband was working with CitiMortgage somewhere around that time ( XX/XX/2012 ) to complete a mortgage modification, which CitiMortgage required that the he be late on the mortgage before they would provide assistance. I was unable to make payments on the mortgage at a home I vacated, while also making rent payments for my new residence. 

The letter I sent to CitiMortgage was sent from my current address, but CitiMortgage will only send a response to my ex-husband 's address. CitiMortage has refused to speak with me by phone to rectify this issue and continues to state that I must dispute by mail, although they refuse to reply directly to me by mail.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-06
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX To whom it may concern, I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : XXXX. XXXX XXXX XXXX, Acct # XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-04-23
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was a fraudulent charge on my credit card that is with Bank of America on XX/XX/2023 from a company called XXXX and I reported this on the same date at around midnight. I was made aware about this fraudulent charge through Bank of America 's security system that alerted me of suspiscious charges on XX/XX/2023 The card was locked and disabled. On XX/XX/XXXX, I contacted Bank of America both through phone and in person to dispute this charge and they told me it would take about 108 days to resolve. I ordered a new card on the same date and a new debit card just in case this was a security breach, even though Bank of America insists that the credit card information was stolen via a swipe machine. I also made attempts to contact XXXX about the charge, but both their phone number and email are automated to demand the contacter make an account through their website to even talk to someone and their address is a mailing address to a po box , and not a headquarters address. I have attempted to contact Bank of America about filing a police report but have been unable to get in contact with the fraud department and they expect me to pay for the fraudulent charge, as they now include it as a balance. Bank of America has failed to keep my information secured, has done poorly in responding to communications, and even went as far as to try making me pay for it with the threat of reoccuring balance charges. I am in the process of seeking a new bank to deposit my check and intend to shut down my bank of america account indefinitely.
Consumer complaint received 2023-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

This is follow on to Complaint XXXX. 
Loan Depot 's response includes factually incorrect information regarding their response to my complaint. As you can see in the attached letter to the XXXX XXXX XXXX, they DID refund the {$1000.00} dollars they paid to reinstate my policy in order to receive notification from the insurer that my policy did not have a lapse in coverage during the XX/XX/XXXX to XX/XX/XXXX period. This is a legalistic fallacy, as I'm 100 % certain that had any claim been made during that year, when my policy was in fact NOT in effect, the insurer would have denied the claim for lack of payment. That aside, I have difficulty understanding why they would tell one thing to the XXXX, and the exact opposite to the CFPB. In addition, part of the supporting documentation they sent to CFPB is for some other person at some other address and completely irrelevant to me or my property.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

Credit Collection Solutions has added a debt to my credit report that I have no knowledge of. The amount of the debt is {$170.00} and I am requesting this amount to be removed. The date this account was opened was XX/XX/2023. This negative reporting of an account I have no knowledge of has affected my ability to obtain future credit and it needs to be removed ASAP. I have sent a request to the company to have a debt validation letter sent to my address along with the original application with my signature for this account. If the company is unable to provide this information I am requesting for this account to be removed from my credit report.
Consumer complaint received 2023-07-10
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. (TN)

N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX, XXXXXXXX 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
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I first opened my credit card it was a cash back card. I had read that I can at any time change the rewards cash to points if I opened a credit card with them that had points back with purchases. I did call the company to confirm and it was confirmed. I opened a new card with points reward system and when I called the company now they tell me that I can not do that. I pointed to them that they should have a recording of that conversation and they could refer to that. They tell me it must have been a misunderstanding and they can not do any thing about that. Problem is I was planning a family vacation using those miles and no longer can and the cost would be prohibitive. They should honor what I was told and change the rewards dollars to points.
Consumer complaint received 2023-12-07
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: Carvana Group, LLC (AL)

I've been trying to get hard inquires off my credit report throughout this whole year and the credit bureaus haven't been any help on the phone, mail, and online. From my knowledge my credit report have been frozen/locked since the beginning of the year, and company 's are still accessing my credit. The hard inquires are XXXX XXXX XXXX CARVANA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-23
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: EQUIFAX, INC. (MA)

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. Despite my previous attempt to dispute this information, I have not received a response from XXXX to date. 

I am disputing the information regarding the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), which is reported incorrectly on my credit report. I disagree with the Balance of {$5100.00}, as I remember the amount to be lower. Furthermore, the Past Due amount should not be reported because this account is closed and charged-off. Therefore, I request that you delete the Past Due amount and correct the Balance reported for this account. In addition, I ask you to mark this account as disputed, so that it would not influence my credit score while this matter is being investigated.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (GA)

UNAUTHORIZED INQUIRIES FROM THE FOLLOWING ENTITIES ON SPECIFIC DATES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (TX)

I applied for a loan modification with my servicer ( LoanCare ) in XX/XX/XXXX. I turned in all of my documentation to a Loss Mitigation Specialist that requested further information. Using that information, they were able to calculate a new monthly payment. I saw this reflected on the pay off amount of my XXXX loan on my year end statement. I recently sold my home and was surprised to see a partial claims amount of {$51000.00} to be paid as a second mortgage. This was originally dated as originated in XX/XX/XXXX. I reached out to my current mortgage servicer and they did not have any information about this partial claims. I reached out to Loancare and they sent me loss mitigation paperwork that did not reflect any partial claims. I reached out to XXXX and they sent a legal letter with my signature that I never received. My original servicer in XXXX was XXXXXXXX XXXX and then sold to XXXX XXXX. XXXX XXXX filed bankruptcy and are no longer able to be contacted. I did not sign off a partial claims for the property. The amount in the loan modification was added to the back end of the loan, and I am unsure of why I was asked to pay the partial claims amount. Please advise.
Consumer complaint received 2023-04-23
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (CA)

On XXXX, I contacted Aidvantage-Department of Education to inform them that my loan had been transferred in XX/XX/2023, but they are still reporting an unpaid balance for three of my loans which is negatively impacting my credit score and reporting. On XXXX, I received a notice that Aidvantage- Department of Education is reporting the information as accurate and has failed to make the correction.

Below, I have attached the letter indicating that my loan was transferred to XXXX. Currently, both Aidvantage and XXXX are reporting open loans with balances which has doubled my student loan balance and it not true and accurate.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (NJ)

On XX/XX/2022, a fraudlent transaction took place with my Wisely paycard in the amount of {$600.00}. An unknown individual withdrew that amount out of an atm while I was at work. I immediately called the Wisely paycard services and alerted them of the fraudlent transaction. For the following weeks I've had multiple attempts for more fraudlent transactions but were denied since I canceled the card. The Wisely company then sent me an email stating that no fraud occurred even though I was no where near the area where the transaction took place. I was at work all day, I had sent a written letter to dispute the resolution and reopen my case. I then sent a statement of fraud to the company and I still haven't received any type of documentation or evidence that the company used to determine it was not fraud. They have not responded or updated me with any information. They refuse to help and they refuse to send me anything that they used to determine it was not fraud. It has been over two months and still no resolution, any help would be much appreciated. I feel like Wisely does not want to help, I did everything I was suppose to do under the zero liability cardholder agreement and they refuse to honor it.
Consumer complaint received 2023-04-23
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date, they have not responded. 

Your agency is reporting inaccurate information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I recall my original creditor was XXXX XXXX XXXX XXXX, which is obviously a different company than the one indicated by your agency. Additionally, I have never been contacted by the company you mention and have no contract with them. Your agency provided false information about the balance of {$290.00}, which is higher than I believe it to be. Due to these inaccuracies, I am disputing this entire account and requesting verification of the Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also inaccurate. The original creditor on this account is a distinct company, XXXX XXXX, than the one you indicate. You provide erroneous information about the balance of {$150.00}. The reported balance is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
The information presented on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  needs to be investigated. I recognize the original creditor as XXXX XXXX XXXX XXXX but I have not been contacted by XXXX XXXX. The balance amount of {$130.00} is inflated and inaccurate. I do not recognize this amount and believe I owe a lower balance. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is also inaccurate. The original creditor for this account is XXXX XXXX but I do not recognize the company stated on this account, XXXX XXXX XXXX XXXX as I do not have any contract with them. The reported balance of {$400.00} is not accurate, as I recall the balance being lower. I dispute the entire account due to this inaccurate information and request verification of the Date Opened and Date of First Delinquency.
Consumer complaint received 2021-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I sent my recent payment to NewRez on/about XX/XX/2021. Normal processing indicates that the payment should have been processed on/about XX/XX/2021.The payment appears to have been processed on/about XX/XX/2021. I did not identify the mailed payment by way of a certified mail or by way of registered letter. Therefore I can not speak specifically to delay in payment processing or to delay in U S Postal Service handling.

I plan to submit future payments by way of certified mail. I shall file future complaints if NewRez is in fact slow in payment processing or if the U S Postal Service is untimely in its service pattern.

I would like for CFPB to determine if the U S Postal Service is maintaining timely delivery to the NewRez address in XXXX, OH XXXX
Consumer complaint received 2023-05-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bepensa Capital, Inc. (TN)

Certified letter was sent on XX/XX/XXXX regarding a charged off as bad debt Purchased by another lender and also to the purchase lender that the am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws and that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. buy never received any response from no one but from from the original creditor. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report.