davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-03-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Direct Recovery Services, LLC (DE)

I am having an ongoing harassment issue with XXXX XXXX XXXX doing business as DRS. they have repeatedly called family, friends, relatives, ex employers and current employers. Every number they have in their database they have called. i spoke with them, a woman who gave her name as : XXXX XXXX and a man who gave his name as simply " XXXX XXXX '' who refused to give me a first name. I asked them not to call my family or my employers, they told me they had the right to do so and would continue to do so. They have left messages in detail on answering machines and have caused me problems with family complaining about it to me. My ex supervisor called me to play the messages, which are insulting and humiliating. Worse of all i have no idea what they are collecting on. i have disputed information with them and the disputes go nowhere. When I call i am told they will continue to call because they have the right to do it and if I want to make the calls stop I have to pay them. 
This has gone on even after I called them on a recorded line on 3 occasions and asked them to stop harassing me and my family members,. I asked them not to call my job and definitely not to leave messages on any machines. All to no avail. 

XXXX has even called people in other states. Totally disheartening. I am looking into legal recourse, because not only will they not copy me on information in dispute now they are disregarding my numerous requests to have my privacy respected. my employment respected. 

I am asking this agency for oversight to this matter and nothing more. i am in need of assistance and have absolutely no confidence that this company will do the right thing. They have already shown me enough with their rude employees and worst practices to continue to navigate this problem on my own without outside assistance. Thank you kindly.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (TX)

I purchased an appliance from Best Buy on a 3 yr no interest contract agreement. Best Buy did not fulfill the contract because the appliance broke and they were unable to replace it in a reasonable amount of time. I went 6 months without being able to wash my clothes. Best Buy didnt accommodate me at all for the amount of funds spent to do laundry in those months. While I still had no appliance Best Buy added interest to my account and raised my monthly fee although I was still making on time payments. After they raised the fee they reported late payments to my credit file. I have never been late in three years on this account. My credit report took a hit.
Consumer complaint received 2023-10-12
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: JPMORGAN CHASE & CO. (TX)

The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), 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 with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states 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 in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says '' A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-21
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: Experian Information Solutions Inc. (MS)

On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received results of an investigation.
Consumer complaint received 2018-06-13
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: EQUIFAX, INC. (TX)

I submitted a claim through CFPB last month and the company responded that the disputed information is not being reported on my credit and it is in fact sill being reported on my credit. 
XXXX XXXX XXXX is reporting a debt owed to the Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  that has already been deleted from my credit file previously. The statement attached shows that I have a {$0.00} balance with the original creditor it is against regulations for the credit reporting agency to allow anyone to try to collect on a debt that does not exist.. 


Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2021 I was scammed by a fraudster to the tune of {$1900.00}. I sent money to them through XXXX XXXX/XXXX. As soon as I got off the phone I realized I had been scammed and called Chase in an attempt to try to stop the transfer or to get the money back. Chase refused to do anything, including going back to the other bank in an attempt to recover the funds. I understand that those attempts are not a guarantee, however, since the transfer had literally just gone out there would have been a chance. It was very frustrating that no one would help.
Consumer complaint received 2021-03-21
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. (MS)

On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received any results of an investigation.
Consumer complaint received 2021-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received results of an investigation.
Consumer complaint received 2021-03-20
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. (NJ)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-21
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. (FL)

Experian and XXXX  are reporting inaccuracies and conflicting information in my credit file for the following creditors. XXXXXXXX XXXX and XXXX XXXX. They reported 90 days late past due on XXXX, XXXX XXXX, XX/XX/2021. On XX/XX/2021 Experian decreased my credit score by 97 points due to these 90 days past due from XXXXXXXX XXXX and XXXX XXXX. On XX/XX/2021 XXXX  reported XXXX XXXX and XXXX XXXX 90 days past due and decreased my credit score by 111 points. I dispute the late past due status with Experian, XXXX, and the creditors XXXXXXXX XXXX and XXXX XXXX. On XX/XX/2021 Experian and XXXX  changed the past due late to current on the XXXXXXXX XXXX account. However the status remained late past due on the XXXX XXXX account. However, they did not change my credit score until I called them. When I checked my credit score a few days after speaking with them, Experian increased my score by 45 point and XXXX  increased by 33. Neither credit bureaus increased my score to the number of points that they decreased it to when the late payments past due occurred. On XX/XX/2021 Experian and XXXX  decreased my credit score again and reported 90 days late past due for the same creditor XXXX. Experian decreased my score by 48 points and XXXX  decreased my score by 61points. Neither credit bureaus increased my score to the amount of points that they decreased them on on XX/XX/2021. As of XX/XX/XXXX, both companies edit bureaus decreased my scores again and flagged these XXXX accounts late past due 90 days. This is inaccurate these account have never been late or delinquent. The creditors wrote me a letter stating it was an error and would be deleted. One of wrote me a letter stating they do know have any account in their records fir me. According to the CARES ACT I am protected and none of this should have happened.
Consumer complaint received 2021-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

My capital one account have been getting many charges from unknown place the past year from really weird place and over seas. I have changed my card many times Well I could not figure out how this keeps happening. This week I paid off my credit card from capital one and ordered replacement cards than come to find out they closed my account without any notification what so ever. I called and no one seems to be able to tell me exactly why it was closed. With that being said I have come to find out that my cell phone has been being mirrored / compromised not sure for how long this has been going on but from what I understand that whoever has been doing this is able to see everything I can do and are able to act as if they were on my phone. I am in the process of replacing my phone and putting alert charges on my credit. Please advise as to what I can do to help prevent this from being done any further. Thanks again XXXX XXXX
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

OCWEN did not send required letter DENYING loan modifications.      XXXX  loan modification package was submitted by  XXXX  in  XXXX   XXXX  to OCWEN. Prior  XXXX  's sent in  XXXX  to OCWEN by  XXXX  my
Consumer complaint received 2022-01-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-03-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I am accusing SLS Servicing of Disparity Treatment. I am requesting an inquiry of how many people / loans the company has unilaterally offered a Modification without documentation vs documentation. How many people have been affected by the arbitrary judgment of the individuals in loss mitigation. 
SLS states to send an offer of a modification which was not received, and to not extend it. 
I am asking CFPB if an audit has been made for this company. 
I have a recording of SLS which stated my payment had been received and a statement stating it was not received and it was applied the following month. 
I have XXXX XXXX screenshots / PDF and recording that they refused to take a payment and had transferred the loan without the 15 day requirement. 
I also have XXXX XXXX send me documentation about another customer and their internal records and modification. 
I have documentation of the original lender not following proper loan origination, servicing and FDCPA practices. it has yet to respond to my original request via the CFPB complaint. Is this not of CFPB concern? 
let me know where I am to forward the over 100 pages of illegal practices. 
This is bad practices and bad faith on not 1 but 3 lenders/servicers by transferring the loan 6 times in under 12 months.
Consumer complaint received 2021-03-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (NY)

XX/XX/XXXX through XX/XX/XXXX I requested NewRez LLC d/b/a Shellpoint Mortgage Servicing closed the fraud account and remove their negative information from my credit report. In XXXX and XXXX I filed complaint with CFPB about the fraud account, NewRez LLC d/b/a Shellpoint Mortgage Servicing send me Note and Mortgage for the fraud account. I mail the identity theft affidavit, my id they did not closed account. 

On XX/XX/XXXX I requested all records relating to the fraudulent ( Loan Number XXXX f/k/a XXXX, original account # XXXX with FHA Case # XXXX for Original Owner : XXXX XXXX  XXXX XXXX for {$160000.00} for property XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX NY XXXX ), including : Application records, Uniform Residential Loan Application with HUD/VA Addendum, Settlement Statement, HUD1 and Addendum to HUD-1 Settlement statement, Escrow Account Acknowledgment, Loan Agreement, FHA Case Details, Direct Endorsement Approval a HUD/FHA- Insured Mortgage, Insurance Application for FHA Case, Loan Funding Request Form , Mortgagors Letter of Completion , Post Endorsement Technical , Review Underwriting Report, Final Release Notice, Accounting for funds, Loan information type of loan, property address, Final Release Notice, Payment ledgers, CHUMS/Closeout Screen, XXXX XXXX XXXXXXXX XXXX Mortgagors Letter of Completion , and/or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account XXXX Any other documents associated with the account Please send these records to me at the above address. Shellpoint sent me a letter dated XX/XX/XXXX Due to complex nature of the matter they request more time. As of today I did not received what I requested and the fraud account is still open and they continue to report to the credit companies I'm in default for the fraud account.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (VA)

I made payments totaling {$1000.00} on XX/XX/XXXX. My card balance was only about {$500.00}, so I paid more than what I owed. My bank shows the {$1000.00} was removed from my account on XX/XX/XXXX. On XX/XX/XXXX, Chase stated that they will not give me any credit for those payments until XX/XX/XXXX even though they have received the funds. They say this is because a previous payment did not go through because it was mistakenly made from the wrong bank account. I understand not crediting my card until they actually receive the payment, but there is no justification for withholding credit after the money is received. When I spoke to a XXXX at Chase by telephone to fix the problem, she told me it was a new policy and abruptly hung up on me.
Consumer complaint received 2021-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I have initiated multiple disputes to fix the issue with Equifax. I have ask for pertinent information in their dispute results which is verifired as accurate but I have not gotten any infromation. These two current dipustes have been over 30 days.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NY)

To whom it may concern, this is the response for the previous complain ( XXXX ID : XXXX ) where an check issued by Citibank has not been received but later found cashed by someone else. I have been contacted by Citibank since submitting the complaint on XX/XX/2019 and have provided the executed and notarized document ( Affidavit of non receipt ) to Citibank as request. However, there was no response despite numerous email to the customer service or Citi XXXX. For the ease of reference, please find below for the claim number and card info used during our conversation with Citi Bank Claim Number : XXXX - Citi card ending : XXXX Appreciate for your help last time and kindly assist following up this issue on behalf of us. 
PS. I can be reached by email ( XXXX ) or mobile ( XXXX ) PS. This is my third time reporting this issue to CFPB, however Citibank has been very inactive providing feedback on this issue Best regards XXXX XXXX