davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
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. (TX)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX .... Tx XXXX XXXX XXXX .... XXXX XXXX .... Original CreditorXXXX 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 1681 c. ( 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 1681 s-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 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX is attempting to collect on a debt I do not owe. I had no idea this debt was on my credit file until I checked my credit. However I immediately paid the debt as soon as I found out. I believe XXXX XXXX is in my violation of my 30 day right to dispute & feel that account needs to be removed.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

The details are covered in CFPB complaint # XXXX I did get a response to the complaint from NewRez, but it is incomplete and inaccurate : 1. The Town taxes listed on the NewRez web portal show {$3200.00} payment due on XX/XX/2020 and {$3200.00} payment due on XX/XX/2020. These are incorrect for the property in XXXX, MA. These are actually the tax values for my property in XXXX, MA. So the tax information is still incorrect and needs to be updated by NewRez 2. The Insurance information supplied by NewRez is for my property in XXXX, MA and it clearly states this in the information that was sent in response to my complaint. The policy premium listed in the Doc and on the NewRez portal ( {$1300.00} ) is for the XXXX property. XXXX XXXX has the policy and loan information correct for both the XXXX and XXXX properties. NewRez needs to update their incorrect information. 

3. I have not received a response to my request for a root cause of the initial problem with the incorrect property address in the NewRez system. And I did not get a response to my request for compensation for the time that I have had to take to resolve all of NewRez 's problem servicing my loan. 

4. I have now left 2 voicemail messages with XXXX XXXX ( listed as the Compliance Department contact ) - with no response.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MI)

I was getting at least 4-5 calls a day for about 5 months, due to my continued debt. 
I did understand that I did owe this money, but for the 5 months I wasn't working I could not afford to pay this bill, and have contacted them since then to let them know about my no job situation. I have a least 3 different numbers that i can provide to show how many calls/people were contacting me due to this balance. Although I have been a long standing customer of XXXX XXXX and have always paid my credit card for the past 4 years I have had the card, before the balance got this bad. After it reached this company due to my debt I had a very unprofessional and aggressive conversation with a individual that was threatening to take me to court if i did not resolve this matter that day. There should be phone recorded conversations of this call. I will be providing the company name and numbers that have been calling me. 
Midland Credit Management # XXXX # XXXX # XXXX
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (AL)

Sent a letter asking the company to verify or provide me with what money they say I owe, a detailed explanation of how they have that information, a verification or copy of judgement if applicable, name and address of original creditor, proof that the statute of limitations has not expired etc.
Consumer complaint received 2020-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are inaccurate information reporting on my credit file : Addresses : XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX, MS I was never 60 days late on my XXXX/XXXX XXXX account. Please verify this information and provide me with proof of this verification. 

I was never 30 days late on my XXXX/XXXX account. Please verify this information and provide me with proof of this verification. 

These are not my inquiries. Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On several occasions ( XXXX ) I have tried to reach someone in costumer service today XX/XX/2020 I tried again to get through and was on hold for over 20 minutes and hung up. 

3 Years ago I have made no more than {$600.00} in purchases, and while making payments on my account with a {$9000.00} limit the interest charges are deducted from the credit limit and the interest was based on the balance each month. this left my interest and charge fess higher than my monthly payment which amounted to around {$240.00} each month. 

In all of this time the interest was so big that it completely eat up the limit balance on the card, which left in me in a vicious cycle of never paying down the money owed. with in 2 years I was able to get the balance down {$2000.00} and I asked Walmart Capital One to reduce the balance down. Now it is back up to the high bank fees and interest charges that have again gone beyond what I can afford monthly the {$240.00}. This is a unfair and infantile game that is forced on me as an consumer.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I recently discovered that on XX/XX/year> Midland Credit Management, a debt buyer, accessed my XXXX credit report without my consent after I had informed them in writing on XX/XX/year> to stop contacting me and that I did not consent to giving them my personal information or to enter in to any type of contract with them.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

Greetings, I received a letter dated XX/XX/2020 that my JCPenny Credit Card issued by Synchrony Bank was being closed. I do not understand why it was closed. I realize that accounts can be closed for any reason or no reason at all. However, I received a letter that claimed that activity on my account with Synchrony Bank was indicative of high risk of failure to pay. 

This is simply not true as I have maintained an excellent payment and credit history. I called in and spoke to a telephone representative who did not provide good customer service and arrogantly told me to reapply if I wanted the card. 

I believe that I am a victim of XXXX and XXXX discrimination and redlining. While XXXX may be a low-income area, I am not in financial distress and have been a great customer. There is no high risk of failure to pay and this was an excuse given to cover their fraudulent tracks. 

Thank you for your valuable time and anticipated assistance.
Consumer complaint received 2020-03-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-03-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

During hardship of XXXX Requested decrease in mortgage payments. When closing XX/XX/XXXX, expecting a payout of XXXX, instead received XXXX. Please review attachments. Requesting calculations of amount of second mortgage totaling XXXX. Modification trail was 3 months and continued until closing.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (CA)

I received a request from Discover Card of which I have been an account holder for over 15 years ( account ending XXXX ) for my IRS federal tax returns, for no apparent reasons. Discover disabled my online access making it difficult to continue making payments. I refused to provide them with my very confidential and sensitive personal tax returns because it is illegal, and they could not come up with any valid reason other than verifying my name and address, which I told them could have been verified by DMV records or any other records, but not IRS. Credit card company has no right to request my taxpayer information if I did not request a new account, credit limit increase, I was never on default, I was never over the credit limit. I have excellent standing with Discover, and after I refused to provide this extremely sensitive personal information such as a person 's tax returns, Discover closed my account. Nowhere in my card agreement it stated that credit card company can request your tax return information. Is it even legal for Discover or any other credit card company to do it after they already granted me credit over 15 years ago and I maintained spotless credit standing with them????
Consumer complaint received 2023-05-15
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. (MA)

This what happened i went to a car dealership tying to applied for a car at XXXX, and XXXX say they was going to pull my credit report. When they did they found a phew hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-24
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (TX)

I have been having problems disputing my credit report with LoanCare , LLC for over 8 months now. Every time you call they will only tell you that the dispute is being analyzed and that you have to wait for a response by mail. If you try to escalate the issue. They tell you it's another dept and that that dept doesn't have phones. If you ask to talk to a supervisor they send you to a line that has no hold music and is just dead noise. After 6 hours the line will hang up automatically. Nobody ever answers. I have been sent over to the line at least 3 times with the same result.
Consumer complaint received 2020-04-03
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: Experian Information Solutions Inc. (NV)

I have paid off my account which is now a XXXX balance. The last reporting on my credit report is showing that I owe more than {$1900.00} balance and XXXX XXXX  Account ( XXXX XXXX ; Main account holder and fiance ) ; Account # XXXX. Please rectify this issue to show a XXXX balance and that I am in good standing with a XXXX  balance. XXXX stated that there was an error per phone call ( which is FCC regulated and confirmed via recording ), according to the Fair Credit Reporting Act. Please fix this issue immediately as I am buying a new home and this has negatively impacted my score to do so due to the debt to income ratios.
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

I XXXX XXXX have made a few mistakes over the past several years, whereas I could not maintain continuous employment and thus went into default on several debts. Therefore, I desire to make amends to several creditors if indeed a debt is still legally owed. I desire to settle all accounts that are within legal limits to be collected against a citizen of the Commonwealth of Massachusetts. If any of these past obligations are no longer enforceable, then I respectfully request a release of obligations. I report this request through the Consumer Financial Protection Bureau as I believe my rights to privacy will be protected through this agency as it has oversight of the Fair Credit Reporting Act. 
Thank you. 
XXXX XXXX
Consumer complaint received 2020-04-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

Current lender bought private student loans that were included in my bankruptcy which was discharged and closed XX/XX/16. My current loan balance ( Nelnet ) still includes the loans that were discharged ( XXXX  ) including interest and fees. So my current student loan balance is incorrect because it reflect loans that were private discharged through bankruptcy. Not all loans were discharged just a few but the ones that were never removed from total balance when sold to Nelnet.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

To whom it may Concern, On XX/XX/2020, I called to dispute a transaction that was made fraudulently, as stated on your web site. Originally, I had to demand that my card be changed because your customer service representative advised that he would only note my account about the fraud charges and because they were still on hold there was nothing that we could do until the charges post but I insisted that the charges were already removed from my account and that they were not authorized. The representative ensured me that there were no worries and that American express bluebird is backed by FDIC and fraud protected. My money will be refunded after the 10 days investigation because not only did I call right away but also the transaction was made in different states or over the web. On XX/XX/2020, I called back into the customer service and was advised that I could now submit the fraud form since the charges were no longer pending in which I did. I filled out everything. I even called the merchants as advised by the customer service representative and was advised that it would be my bank that will refund me the money. Several transactions occurred on the same date in several different states that I am in no way affiliated. This is a clear sign of a fraudulent transaction. 
View Transactions Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA BILLS Edit - {$110.00} XX/XX/2020 Transaction ID : XXXX Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, GA BILLS Edit - {$41.00} XX/XX/2020 Transaction ID : XXXX View Transactions Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, GA BILLS Edit - {$800.00} XX/XX/2020 Transaction ID : XXXX Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, GA BILLS Edit - {$300.00} XX/XX/2020 Transaction ID : XXXX
Consumer complaint received 2020-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

good afternoon, I write why, I have put a complain of the mortgage company the name is PHH Mortgage services phone number is XXXX, here I send you the previous complain, I do not agree with the solution that sent the company, where he says he wants to help, as I said earlier they want to give me three months without paying, but then I have to pay the three months and new months together, which is this????, you as a government office should protect us not to let these companies abuse their clients, that opportunists are in these situations where they also profit from the government by asking for money to survive the situation but, so they also take away the homes of families who have worked all their lives so that they can have a house the American dream, please do not Let us get fooled from these companies help us I ask you to do an investigation into cases like mine that I am very sure there will be more cases like mine, help do not cover your eyes so that the companies say.
Consumer complaint received 2020-03-24
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA MAKES FALSE CREDIT REPORTING STATEMENTS TO AUTHORITIES. WHY IS THIS LEGAL? XX/XX/XXXX CFPB XXXX, XXXX, XXXX USAA CONFIRMS over {$2000.00} of Fraud Credits Applied Timely & Appropiately. for those I did get letters see attarched XX/XX/XXXX FRAUD XX/XX/XXXX letter {$470.00}, XX/XX/XXXX FRAUD letter {$210.00} XX/XX/XXXX & XX/XX/XXXX FRAUD XX/XX/XXXX letter {$120.00} CONFIRMING TOTAL {$810.00} USAA CREDITS. see attatched statements XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. ( {$59.00} XX/XX/XXXX USAA CREDITS ) Where are USAA CREDITS?
Consumer complaint received 2020-04-03
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: Experian Information Solutions Inc. (NY)

I am submitting this dispute about my XXXX MasterCard credit card. My score just dropped 101 points on my credit report as XXXX  credit card did not do as we agreed. Due to being laid off from work due to corona virus my job has laid me off. I worked out a agreement with XXXX MasterCard that I will make payments as much as I can till I can bring the account current. I was told it would not be reported to the credit reporting agencies due to the natural disaster. Today I checked my credit score with my XXXX card and my score went down by 101 points. I am very upset as I confirmed a few times with XXXX MasterCard when I spoke to them that my credit would not be affected and reported as delinquent but it was.
Consumer complaint received 2020-03-23
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

I have made several attempts to contact this company regarding my PMI being cancelled. I meet all requirements, but am receiving letters stating ineligibility. 

I had a problem with their billing several months ago, which took several months for them to work out. To prevent errors in billing, I was told BY LOANCARE to hold payment until they could work it out. They added comments to my account and waived late fees. 

I am eligible to eliminate my PMI based on home value and loan amount, but they are denying it because I show those months without payment. I have never been late, except when THEY told me to hold payment.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

hello I took a look at my report and its clearly another man information reporting on my consumer report with CLARITY SERVICES I want to know how an why do you have my personal information? I want to know why you have someone else 's information on my consumer report? as well as who gave you written consent to have any information on me?

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.