davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
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: EQUIFAX, INC. (CO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Complaint : Nationstar Mortgage Loan # XXXX Complaint Date Filed : XXXX XXXX, 2016, XXXX XXXX On Wednesday, XXXX XXXX, 2016, I received a letter from Nationstar Mortgage. The letter ( see attached ), dated XXXX XXXX, 2016, informed me of an updated Dedicated Loan Specialist to assist me. The name of the updated Dedicated Loan Specialist, XXXX XXXX. 

I have been working with XXXX XXXX since XXXX XXXX, 2016. Call and E-mail communication from XXXX XXXX, 2016, sent to XXXXXXXXXXXX : Follow up to my call and message I left on Friday, XXXX XXXX, 2016, XXXX Hello XXXX XXXX As per XXXX, Customer Relations Specialist, letter dated XXXX XXXX, 2016, CFPB Case Number XXXX, you are my Single Point of Contact. 
Please E-mail me detailed instructions for all needed paperwork for loan modification assistance, all documentation needed XXXX. 
Thank you! 

What does this letter mean? 
Why am I being informed of an " updated '' Dedicated Loan Specialist, when I have been working with such " specialist '' since XXXX? 
What is happening to my previously submitted documentation?
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

I applied for a Chase card on XX/XX/2023 online. The application was pended. I never got a letter on why my application was declined. I called around XX/XX/XXXX. They said the application was declined and they would send me a letter on why. I never got a letter. On XX/XX/XXXX, I got a letter saying thay Chase may have declined my application in error. And that if I was still interested, I would have to apply again. 

They never sent me a reason why it was declined. Then say I can apply again due to their error and they would ding my credit again. There has to be some regulation against this.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kovo (NC)

I signed up for Kovo, which is marketed to be a credit building service. Its actually a {$240.00} library of resource materials that the customer pays for in installments. The payment history is reported to the credit bureau. 

I do not want to purchase resource materials that I can get for free. This companys advertising is misleading and confusing.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX, Account name : XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number 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 2023-09-10
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, Account name : XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number 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 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX Experian is showing the account with XXXX as a collection account from XXXX to XXXX. This account was paid off and should be showing a XXXX BALANCE. However, Experian is not showing the XXXX BALANCE THAT NOTHING IS OWED ON THIS ACCOUNT. 

IN ADDITION REMOVE THE COLLECTION STATUS IF THE ACCOUNT WAS PAID OFF. HOW ARE YOU STILL REPORTING COLLECTION IF PAID OFF? 

ALSO, THIS ACCOUNT NEEDS TO SHOW XXXX BALANCE AND NOT WRITTEN OFF XXXX BECAUSE THAT IS A LIE XXXX WAS NOT WRITTEN OFF. 

I HAVE SPOKEN TO XXXX AND THEY STATED YOUR INFORMATION IS INCORRECT.
Consumer complaint received 2023-09-10
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)

AFFIDAVIT OF TRUTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, and/or XXXX ) credit reports and I noticed late payments posted on my credit report. A proper investigation was said to have been investigated for completed with fairness and accuracy, but I don't agree. 


XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Equifax ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the follow circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Did I give you written instructions to furnish this account on my credit report? 


Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to Section 1681S-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Delete* the above late payments that were addressed ( not the entire account ), this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced late payment from this account, and send out a free copy of my report after the changes have been made may result in legal actions being taken against your company, for which I may be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act [ 15 USC 1692g ] violations Fair Credit Reporting Act [ 15 U.S.C. 1681n ] Best Regards, XXXX XXXX Best Regards, XXXX XXXX
Consumer complaint received 2022-12-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : Regarding my Complaint # XXXX, I want to inform you that I could not provide you with the name and contact information of my loans investor because my Servicer refused to give it to me by phone or email. 

Attached I am sending a copy of the letter I sent to Specialized Loan Servicing formally requesting the investor information. I understand that cases have due dates for submitting data, but it has not been easy for me to deal with my Servicer. 

I would appreciate it if my case remains open until we receive an answer from my Servicer. 


Best regards, XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Phone number XXXX XX/XX/XXXX, XXXX Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : XXXX # XXXX. Your letter dated XX/XX/2022 Property Address : XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Certified Mail # XXXX Dear Servicer : The Consumer Financial Protection Bureau requires the contact information of the Investor of my loan ( # XXXX ). I called several times to get this information by phone, and finally, your customer service agents instructed me to send a request in writing. Thus I would appreciate it if you could send the following information as soon as possible Investors name or company name. 
Mail address Phone number Contact name, email address, phone number, and address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXXXXX XXXX 
XXXX XXXX. 
Consumer Financial Protection Bureau
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFFIDAVIT OF TRUTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, and/or Transunion ) credit reports and I noticed late payments posted on my credit report. A proper investigation was said to have been investigated for completed with fairness and accuracy, but I don't agree. 


Transunion ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the follow circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Did I give you written instructions to furnish this account on my credit report? 


Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to Section 1681S-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Delete* the above late payments that were addressed ( not the entire account ), this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced late payment from this account, and send out a free copy of my report after the changes have been made may result in legal actions being taken against your company, for which I may be seeking {$1000.00} per violation for : Defamation of Character ( per sXXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act [ 15 USC 1692g ] violations Fair Credit Reporting Act [ 15 U.S.C. 1681n ] Best Regards, XXXX XXXX Best Regards, XXXX XXXX
Consumer complaint received 2023-09-10
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. (IL)

There was an unauthorized Credit check on my SSN from 2 different Banks on XX/XX/2023. I checked XXXX XXXX and XXXX and I do see those inquries on my report. I have not made any of those inquries or made any applications with those banks. Can you please help me fix this. Here are the details : 1. XXXX Report : Both XXXX and XXXX XXXX has made an inquiry on my SSN which are unauthorized 2. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized 3. Equifax : XXXX XXXX has made an inquiry on my SSN which is unauthorized Can you please remove these inquries from my report. I am working on freezing my SSN so no more unauthorized inquries are made on my account. 

I received a letter from XXXX stating my application for nwe CCard was rejected ( Attached in the document ). I called XXXX XXXX and looks like there are no account linked with my SSN, so must have been rejected as well.
Consumer complaint received 2023-09-10
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. (IL)

There was an unauthorized Credit check on my SSN from 2 different Banks on XX/XX/2023. I checked XXXX XXXX and XXXX and I do see those inquries on my report. I have not made any of those inquries or made any applications with those banks. Can you please help me fix this. Here are the details : 1. XXXX Report : Both XXXX and XXXX XXXX has made an inquiry on my SSN which are unauthorized 2. Transunion : XXXX XXXX has made an inquiry on my SSN which is unauthorized 3. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized Can you please remove these inquries from my report. I am working on freezing my SSN so no more unauthorized inquries are made on my account. 

I received a letter from XXXX stating my application for nwe CCard was rejected ( Attached in the document ). I called XXXX XXXX and looks like there are no account linked with my SSN, so must have been rejected as well.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX 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
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I reached out to this company XXXX several times over the course of the past 6 months trying to explain to them that this is not my account. I told them I filed proper documentation for the fraud complaint. I explained to them that my information & also my phone was lost while I was in the XXXX following major XXXX. I expressed to them that I am a veteran who believes in their honor & I have maintained great credibility & credit scores now this fraudulent activity that occurred is ruining my not only my reputation but my credit & my family life. I have proof from another company that fraudulent account was opened & they reviewed information & closed the account. XXXX keeps sending me letters saying its me when its not in their most recent letter they included a number in the statement that I have never used or had not to mention Im not even sure whats a ( XXXX ) area code. This is really starting to get frustrating & Im dealing with health issues & mental health issues because of this.
Consumer complaint received 2023-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XX/XX/2022 I refinanced my vehicle loan through Capital one. The loan was originally through XXXX, and both my ex fianc and myself were cosigners on the loan. Before signing the paperwork I asked if my ex fianc would be removed from my car title if I refinanced and I was told that he would be. Recently, when attempting to trade in my vehicle, I found out that he was never removed from the title. I spoke with the PA DMV and they told me to speak with my loan provider, and when I contacted capital one they told me that I needed to go to the DMV. At this time I can not sell or trade the vehicle because capital one never removed my ex from the title. I am unable to contact my ex because I do not have a phone number or address for him. I need capital ones help to correct the title and have him removed, I am the only one financially responsible for the vehicle.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC (NV)

The Indigo MasterCard debt with original creditor XXXX XXXX  but issued through Genesis FS Card Services ( really unsure of the original creditor ) was paid to XXXX XXXX XXXX XXXX, XXXX on XX/XX/2022. This account is still showing on my credit report as a credit account charge-off and creditor should have removed this account.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I reached out to this company XXXX several times over the course of the past 6 months trying to explain to them that this is not my account. I told them I filed proper documentation for the fraud complaint. I explained to them that my information & also my phone was lost while I was in the hospital following major XXXX. I expressed to them that I am a veteran who believes in their honor & I have maintained great credibility & credit scores now this fraudulent activity that occurred is ruining my not only my reputation but my credit & my family life. I have proof from another company that fraudulent account was opened & they reviewed information & closed the account. XXXX keeps sending me letters saying its me when its not in their most recent letter they included a number in the statement that I have never used or had not to mention Im not even sure whats a ( XXXX ) area code. This is really starting to get frustrating & Im dealing with health issues & mental health issues because of this.
Consumer complaint received 2023-09-10
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)

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 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 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2023-09-10
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: ALLY FINANCIAL INC. (NC)

I filed a complaint with cfpb about Allys action. The next step as retaliation from Ally was to still attack my credit score.This company has been paid in full Im not sure why Im still having issues with this company Please help me remove this company off my credit report please this is a complete nightmare. Please help me! My credit score is being lowered for no reason.