davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, these accounts has violated my rights according to 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, these accounts has violated my rights according to 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XXXX Mortgage Loan " Home Affordable Modification Program ( HAMP ) Agreement '' in place since, XX/XX/XXXX was Transferred to MR. COOPER AKA NATIONSTAR on, XX/XX/XXXX.

Ive contacted MR. COOPER AKA NATIONSTAR a Total of 27 XS ( between Calls ; the MESSAGE CENTER ; EMAIL 'S ; FAXES & US MAIL with, EVERY one of these Contacts Ive SUBMITTED OVER 80 Pages of DOCUMENTATION dating back to XX/XX/XXXX ) since, XX/XX/XXXX in ATTEMPTS to gain assistance d/t the MULTITUDE of PAYMENT REVERSALS/FEES CHARGED/ LATE CHARGES/ PROPERTY INSPECTION FEES ( My Account was PAID TO DATE on XX/XX/XXXX Nationstar Statement & by, XX/XX/XXXXMr. Cooper Statement Mr. Cooper had me listed with, Overdue Payment of {$1000.00} & were Assessing these Charges to My Account ) then, on XX/XX/XXXX with, no explanation they stopped taking my Monthly Payments that, have been AUTO-DEBITED since, XX/XX/XXXX. It was VERIFIED by, XXXX XXXX XXXX via a 3-way Call on XX/XX/XXXXbetween Myself, Nationstar/Mr. Cooper Customer Service Center & XXXX XXXX XXXX that, Nationstar/Mr. Cooper have been RECEIVING Payments on or about the XXXX of the Month with, NO PAYMENT REVERSALS on XXXX XXXX XXXX end ).

All I get in return from, Contacts made are MULTIPLE Letters/Emails stating They received my correspondence ; take all matters seriously & are in the process of reviewing concerns then, NOTHING IS DONE to CORRECT there Errors in Regards to my " On-Time '' Monthly Payments & there " FAILURE '' ( upon my Loan Transfer from, XXXX ) to Honor my Home Affordable Modification Program ( HAMP ) Agreement in which, I have had in place since, XX/XX/XXXX without ANY ISSUE 'S ( i.e. Late Payments, Threats of DEFAULT, etc.. ) as, EVERY PAYMENT was PAID " ON TIME '' by, AUTO DEBIT & I was RECEIVING the INCENTIVES for making these payments until, Mr. Cooper AKA Nationstar became involved with, there Unethical Business Practices ; " FAILURE '' to Respond to Inquiries/Correct Mistakes theyve made then, they INTENTIONALLY STOP taking my MONTHLY Payments as, Set-up by, Auto Debit & now are Threatening me with, DEFAULT! I've made by, U.S. Mail & Online all 4 Payments ( XX/XX/XXXX. ; XX/XX/XXXX. ; XX/XX/XXXX & XX/XX/XXXX ) since, they stopped by, Auto-Pay. I was Eligible & to receive an " XXXX {$5000.00} incentive in XX/XX/XXXX '' that, I completed Paperwork for with, XXXX  & MR. COOPER AKA NATIONSTAR are in possession of but, are now stating " Your loan exceeded 90 days past due. Therefore, you are no longer eligible to receive Pay for Performance incentives under the Making Home Affordable Modification Program '' which, I believe with, No doubt that, they intentional failed to respond to complaints since, XX/XX/XXXX & stopped my Auto-Pay to avoid my receipt of this {$5000.00} incentive.

I have NEVER missed a Payment since, having my Home Built in XX/XX/XXXX& the treatment I've received d/t there Unethical Business Practices since, XXXX   Mortgage Loan Transfer has been absolutely disgraceful.
Consumer complaint received 2024-03-30
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. (GA)

How can the original creditor report 2 different " Date Last Active '' dates on my credit report. This is INACCURATE reporting. Please delete this account asap XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

XX/XX/XXXX : I spoke with my mortgagor ( Pennymac ) about scheduling a payment and the representative stated that I would be due for 3 payments. I asked how if I only missed one payment. After my conversation with the representative, I decided to investigate why I was due for 3 payments. When I discovered that in the billing statements dated XX/XX/XXXX to XX/XX/XXXX I was billed twice for that month from XXXX to XXXX. I was told that there was a shortage in my escrow account and that the original bill of XXXX would increase to XXXX. I was unaware that the mortgagor doubled my payment for XX/XX/XXXX. I did not receive any notification of default, nor did I receive any phone calls from the mortgagor debt collectors about said amount. I carried this amount from XX/XX/XXXX to XX/XX/XXXX when I missed a payment. When I spoke to a representative today about the discrepancy, they said that there was nothing they could do about it and that I now owed XXXX. This brought me to 3 months behind when I should only be one month behind. I think that my mortgagor deliberately placed this double payment into my billing statement to force a foreclose on my home and sell it off without my knowledge.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I found that my bank account at Chase Bank had an Unauthorized Charge of {$86.00} for an Antivirus Program, from the XXXX XXXX XXXX XXXX, I did not have plans to renew for a second time. I had turned off automatic renewal option on the XXXX website when I first purchased the program back in XXXX. I notified my bank on XX/XX/XXXX, that I did not authorize this renewal charge of {$86.00}. It was posted from XXXX on XX/XX/XXXX to CHASE BANK, The person that took my call after hours said he could not help me and to call CHASE in morning because of Holiday. Somehow Auto Renewal was turned back on in XXXX website and not by me. I received an e-mail letter on XX/XX/XXXX from Chase stating the {$86.00} was correct and they denied my refund. This internet company downloaded XXXX XXXX XXXX, and also XXXX, and XXXX XXXX for Phone to my computer from their computers without my consent or knowledge On XX/XX/XXXX, they charged my account with Chase Banks Approval on XX/XX/XXXX. I am a XXXX XXXX XXXX woman on Social Security and XXXX, along with Chase Bank, decided that I needed this program and from them. The money came from my Social Security Checking Acc. at CHASE. XXXX at XXXX XXXX had no right going inside my computer and downloading all those programs into it. Please look into this matter as I need my money back. Last but not least, this company in my opinion have bad practices in way of turning back on AUTO RENEWAL, Just my opinion, buyers beware. Regards, XXXX XXXX
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

He sent me an amount of XXXX usdt on my wallet in Coinbase, and now they refuse to withdraw the amount. They say the currency is fake, and it is in my wallet, and I can not withdraw it or send it to another wallet, noting that the date of the transfer is on XX/XX/2023, and this is the transfer link for confirmation as well. 
XXXX : XXXX
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a call on XX/XX/XXXX from Capital one, confirming I was attempting to open a credit card, which was not me. Capital one reported it as fraud and did not accept the application. The application was online in XXXX CA. Please help me find who did this and continues to attempt to open cards in my name..
Consumer complaint received 2023-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Figure Technologies, Inc (OR)

Dear CFPB, We would like to lodge a complaint about Figure Lending! They are extorting money. 

We rightfully obtained a Figure HELOC last fall for {$110000.00}, and that money is now being withheld from us without any appeal or recourse. 

We understand the policy of witholding funds due to a steep decrease in home valuation. However, we believe the valuation Figure did is false and inaccurate. The values of homes in our town actually went UP in the last year. 

We and our loan officer with XXXX  XXXX ( one of Figure 's partners who referred us to Figure ) XXXX XXXX, just got off a conference call today, XX/XX/2023 with XXXX XXXX at Figure. XXXX is indicating that they pull a new automated valuation any time a draw is requested. We were not made aware of this when we paid {$4200.00} to have access to these funds. He said there is no appeals process or recourse, and we are now without access to these funds OR a way to appeal the decision, which we believe is due to a false valuation. 

We are under contract with an investment property for which those funds are a down payment and have multiple people counting on us! We had put the funds back just 1.5 months ago after the last draw and no one told us we should keep them in case the redraw was denied! 

We have been a big advocate for the Figure HELOC loan product and am now going to have to speak loudly and publically on social media to warn people NEVER to use this product or this company unless we receive a resolution! Between us we have XXXX followers on XXXX, and will not hesitate to use our large audience as a platform to spread the word. 

This feels like this is predatory. This loan was funded only 6 months ago, and the values in our area ( XXXX, Oregon ) have only gone UP since then. They have not gone down {$80000.00} in just 6 months, which is what the company is saying. This is just not accurate. 

It feels like they are wanting to make us pay the fees for a new loan instead of giving us access to these funds. 

This is NOT acceptable. 

Thank you for your consideration.
Consumer complaint received 2023-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

In XXXX of XXXX, I logged into my Cross Country account to verify that the payment from the Department of Economics had been sent to Cross Country Mortgage it was at that time I noticed the payments hadn't been posted. I then contacted DEO and was advised the payments had been sent. I waited and then contacted Cross Country multiple times during this time I was going back and forth with DEO and Cross Country Mortage at that time we received our bill which stated we were past due for XXXX and XXXX and we were at that point in XXXX and Cross Country said that they has still have not received the payments, but DEO said all payments had gone out, on XXXX I spoke with XXXX with Cross Country she advised me they were still waiting on the payment my husband and I called Cross Country two or three times a day we were still being told they didn't receive any payments. Then on XX/XX/XXXX, I spoke with XXXX from Cross Country and DEO on the same call DEO advised XXXX that on XXXX payments were reissued to Cross Country. Cross Country stated they returned the payments back to DEO as they were now going under the name XXXX XXXX, as consumers we never received any information about a name change nor that our Escrow was short and Insurance was going up. 
On XX/XX/XXXX I spoke with XXXX from C.C.XXXX XXXX XXXX she stated don't worry they will locate the payments and she doesn't understand why payments were returned back to DEO, ( ) but DEO hasn't seen any returned payments. She did verify that XXXX XXXX is also C.C. she then informed me that a payment to Cross Country came in and will be posted in 24 to 48 hours. I called CC and spoke with XXXX to see if they had located any other payments she stated no and it could take up to 30 days for the payment to appear on the online service. On XX/XX/XXXX we spoke with XXXX from C.C. She advised me she would send an email to XXXX. department to contact me she also said no payments were received. On XX/XX/XXXX I called C.C. and spoke with XXXX put a note in to have XXXX. contact me and that the company would generally send a letter about changes and I advised her they hadn't. During this entire time, we had been in contact with DEO sending emails and speaking with representatives. even with the continuous communication between Cross Country and DEO, Cross Country due to this problem has affected our credit reports which have dropped our credit rating by XXXX points.
Consumer complaint received 2024-03-30
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. (MA)

I am writing to request the removal of an unauthorized inquiry from my credit report. I never authorized such action and this constitutes a violation of my rights under the FairCredit Reporting Act 604 as well as a violation of my rights to privacy. 
The inquiry is listed as follows : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not apply for credit with the above creditor or authorize anyone else to inquire about my credit on my behalf. Therefore, I request that this unauthorized inquiry be promptly removed from my credit report, According to the provisions of 612 [ 15 USC 1681j there should be no charge I have several supporting documentation that may assist you to verify my identity of this matter. 

I understand that under the Fair Credit Reporting Act, you are required to investigate this matter within 30 days of receiving this request. I request that you notify me in writing of the results of your investigation and provide me with a revised copy of my credit report reflecting the removal of the unauthorized inquiry.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (CA)

someone used my information to open an account with XXXX XXXX and it wasn't under my consent nor did I give anyone my consent to make this payment. I had filed a report for fraud years ago about this situation but no one has reached out to me about this nor did anyone help me settle this situation and it is preventing me from applying for loans, credit cards, etc I need this matter to be solved as soon as possible
Consumer complaint received 2023-06-20
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. (SC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-06-01
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. (NV)

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 should show never late, has MO child support XXXX, MO child support XXXX, XXXX  XXXX, Child Support Enfmnt XXXX 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
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This account should not be furnished on my consumer report nor through your internal system as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY. 

Credit Card : {$690.00} dollars Charge Off
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have been fighting with this since 2016 XXXX XXXX financial. Changed me for classes I never attended t, they said they never received my letter I wasnt attending. I made a settlement with them and paid collections agency and the said account is closed now but the credit agency company is still reporting and having a negative impact on my credit report
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

Hello. Hello I am currently in XXXX and I'm unable to access my two Capital One credit cards. 
When I log in they require extra verification which they say they will send via text or call to my phone. 
My phone does not enable me to receive texts or calls in XXXX. 
l have been a Capital One customer for many years and have never before had problems accessing my account from outside the United States. 
I used my girlfriend 's XXXX number and called customer service and they told me that they could not verify me any other way than by sending a text or call to my phone! 
They even told me that Capital One accounts are really just for the XXXX. 
I was unable to locate an email address for them but finally found them on XXXX. 
The XXXX representative told me that they could not verify me any other way than by my phone. 
I told them that I have no problems accessing my XXXX and XXXX accounts both of which I have held for much less time than my Capital One account. 
In addition when I had the same issue with XXXX XXXX wanting to verify me by my phone I told them that XXXX solved the problem by setting me up with a third party verification app called VIP Access. 
I receive no response when I point this out or when I tell them of my experience with my phone call to customer service. 
This has been going on for about a week now and I am concerned about incurring late fees. 
I have the entire conversation with XXXX in case you need it. Of special concern is the fact that I am the one who initiates and continues the dialogue. They ignore any responses I make or input I give. Not sure if I am dealing with a person or a robot. 
Thank you, XXXX XXXX.
Consumer complaint received 2017-04-07
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (FL)

I was recently denied credit for a HELOC by TD Bank and per the Free Credit Reporting Act understood I can request a copy of the credit report the bank used to make their decision. TD Bank has indicated they can not provide the requested copy and referred me to the credit report agency. In order to address any issues made evident in the credit report they received, I need to review that report as a copy received in the future may differ. Several requests have been made to no avail. However they have provided a summary document of the FCRA, but on pages 61-65 the Act addresses receipt of the documents when requested. Please let me know if you would like copies of their emails. I do n't understand why TD Bank is making this such a difficult process.