davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-11-24
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. (WA)

XXXX, Equifax, and XXXX are incorrectly reporting fraudulent accounts on my consumer report. It's been beyond XXXX  days and they've still yet to rectify the information. I've disputed these claims and I'm seeking litigation for the blatant disrespect and disregard for my credit wellness.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (AL)

I am writing to complaint to ACIMA DIGITAL FKA SIMPT about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : XXXX
Consumer complaint received 2022-02-01
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. (VA)

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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CO)

During XXXX, Coinbase ran a XXXX Trading Sweepstakes. To enter, existing account holders were simply required to : 1 ) Opt-in, and 2 ) Trade the equivalent of {$100.00} in crypto. Then Coinbase was supposed to send confirmation by email. I completed both requirements. Coinbase never confirmed my entry by email. So I reached out repeatedly to Coinbase Support asking them to confirm that I was entered, and Coinbase repeatedly refused. Based on my interactions with Coinbase Support, I think it's clear that this " sweepstakes '' was simply an attempt by Coinbase to generate transaction fees without actually providing anything in return for smaller traders. I wanted to submit this complaint so that hopefully Coinbase would do better by all of its customers in the future.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have transfers from my checking account in an amount {$1200.00} from the XXXX which I do not recognize. I do not have XXXX account. Neither I or anybody from my family initiated this transactions. 
I contacted bank of America and didn't get any resolution.
Consumer complaint received 2021-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days without update.
Consumer complaint received 2021-11-24
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-11-24
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)

I have sent several certified letters to the credit bureau in regards to this matter and received no response. I also submitted a few CFPB complaints. The account was only updated instead of deleted. XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. Thats relief is stated in the court documents below. I have also filed a complaint with my states attorney general in regards to the settlement. THIS ACCOUNT IS UNDER LITIGATION FOR PREDATORY LOAN PRACTICES!!!! It should be deleted from my credit profile instead of updated which it states in the court documents! Below I have attached the case files in regards to the lawsuit. This is a court order to DELETE not update!
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (LA)

I received XXXX XXXX  on XX/XX/XXXX. My insurable information was entered incorrectly. I moved and was not getting the bills. The bill then went to collections. I contacted my insurance that is XXXX XXXX XXXX XXXX of Louisiana and the paid the bill XX/XX/XXXX, XXXX Credit Collection Services has not deleted the collection off of my credit report and it is XX/XX/XXXX. I need the collection to be DELETED due to coding / insurance error.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (PA)

I have been a Navy Federal Credit Union member for about 3 years and I had to close my XXXX XXXX XXXX XXXX times because some one at Navy Federal doesn't care to much about the security of my account. I have had a bank acct all my life and never had to close my acct at no other bank except Navy Federal. On XX/XX/2021 I received a notification from the bank that some one tried to use my debit card at XXXX to pay a bill in the amount of XXXX dollars at XXXX hrs. It was a good thing I didn't have that amount in my acct for them to steal. I am a XXXX XXXX XXXX XXXX Veteran on a fixed income i really don't need this type of aggravation. Today i will go to the ATM to with drawl my money from my acct then call Navy to close my acct so they can send me out a new card and acct number.
Consumer complaint received 2021-11-24
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. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-24
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. (PA)

I have sent several certified letters to the credit bureau in regards to this matter and received no response. I also submitted a few CFPB complaints. The account was only updated instead of deleted. XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. Thats relief is stated in the court documents below. I have also filed a complaint with my states attorney general in regards to the settlement. THIS ACCOUNT IS UNDER LITIGATION FOR PREDATORY LOAN PRACTICES!!!! It should be deleted from my credit profile instead of updated which it states in the court documents! Below I have attached the case files in regards to the lawsuit. This is a court order to DELETE not update!
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (GA)

This complaint is related to previous CFPB complaints XXXX, XXXX and XXXX complaint XXXX. 

XXXX ; XXXX offered my wife and I a loan modification which was not provided. After filing complaints, involving state and federal officials, the motions were put into place to process the modification. There was an explicit condition that our loan was to in absolutely no way be reported negatively. Just after the agreement was memorialized, the servicing company changed to PHH Mortgage, and they were aware of the agreement. I was in contact roughly every 21 days with the employee who was assigned to our mortgage account. We have made our payments on time. She was made aware when we made them. PHH sent paperwork at varying times stating that they attempted to reach us ( which was untrue given she and I were in contact quite a bit ) as well as paperwork to start the process over when we were nearly complete. She was addressing this internally and continued to show that we were on pace to be done with our trial period after the XXXX payment. There was one point where she called after the XXXX payment to congratulate me because we completed the trial period, but I told her we still had one to go and it was already scheduled. We were able to share a laugh and she told me that I was correct, there system had it incorrect. 

Problem One XXXX XX/XX/2021 should have been the last payment of our trial agreement. At that point our interest rate was to reduce from 4.5 % to 3 %. 
We have not received the final modification paperwork indicating this, in fact we have received no paperwork moving toward a finalized modification at all. 
XXXX XX/XX/2021 we made a payment to our mortgage in the same amount that the trial payments had been and given the reality of the calendar, we will be making the same payment on XXXX XX/XX/2021. 

Problem 2 PHH Mortgage has reported us as late 60 days to the credit bureau. This is catastrophic as it begins a credit death spiral ; when banks reduce a credit limit to just above outstanding debt, thereby driving up credit utilization. This in turn causes the credit score to plummet, which causes the creditors to see the customer as high risk, thereby increasing their interest rate. This is a cyclical pattern reducing the customer 's borrowing power, while simultaneously causing them to pay more in interest than they were previously. This process has already begun, and we have seen our limits vanish before the holiday season. Because this is a matter that by all accounts, every partied had settled and closed months ago, yet PHH Mortgage ( and XXXX XXXX XXXX  ) have thumbed their nose at us customers, at the regulators, have continued to cause severe emotional distress and cause real financial harm, I want compensatory and punitive damages.
Consumer complaint received 2023-01-14
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. (NY)

In accordance with the Fair Credit Reporting and XXXX Account Numbers have violated my rights The item XXXX XXXX ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

The item XXXX XXXX  ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

The item XXXXXXXX XXXX ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

The item XXXXXXXX XXXX XXXXXXXX ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/2022 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 an account without my written instructions Experian has not responded to my investigation request with in the past 30 days.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (RI)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-11-24
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. (FL)

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-11-24
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. (CT)

on XX/XX/XXXX i mailed and digitally submitted the XXXX bueras my identity theft report about accounts and inquires on my account and nothing has been done its been XXXX days since. they are breaking the law please do something
Consumer complaint received 2020-09-25
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. (VA)

I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, and XXXX XXXX Bank-XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/21 i was notified by Navy FCU that I was past due on a XXXX loan. I have never applied for a XXXX loan. I was scammed. i went into bank and filled out a declaration of forgery/fraud form and informed them I never applied for a XXXX loan. They were able to tell me the person who filled out the loan had changed my employer and email and had electronically signed for the loan under my account #. They even went as far as giving me the IP address of where loan originated XXXX the bank at first stated they could see I did not have anything to do with taking out this loan and could see I was a victim of identity theft. Yesterday Navy FCU tells me they know who took out the loan and know where the money was transferred to once the loan was taken out in my name in my account and transferred to another account and whose account it went to but will not disclose that information and that basically, I am responsible for this. HOW? I FEEL like i have been victimized XXXX. Once by this individual and once by the bank who is supposed to protect my identity. Why would I change my email, phone # and employer information for a loan application and a loan of XXXX?? why would this not raise red flags???
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Equifax XXXX XXXX has failed to respond about the removal of the erroneous information about my inquiry. Sending them letters dated from XX/XX/XXXX to the present, i have not recieved any response up to this date. On the other hand, inaacuracies about my Inquiry is continously reporting on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2023-01-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I sent a letter to XXXX, XXXX, XXXX, and Equifax on XXXX XXXX. I still havent received anything back. according to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, XXXX, and Equifax have 30 days to respond to my dispute this is a violation of my rights
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (SC)

Hello, I have a loan modification with CIT BANK and the agreement set my mortgage at {$1300.00} a month. My loan was serviced by XXXX XXXX but recently the servicer has changed to XXXX XXXX XXXX and along with that change my monthly mortgage has increased by {$1000.00} which has created a great financial hardship for me and I am in jeopardy of falling behind again. This change is a clear violation of the Loan agreement. I believe the confusion could have started with my an erroneous property tax assessment by XXXX XXXX. The assessment erroneously removed my homestead exemption, therefore, increasing my property tax bill to over {$160000.00} from {$5600.00}. The error was corrected by the county alongside XXXX the servicer but at the same time my mortgage servicing was being transferred to XXXX XXXX. As a result my mortgage has increased because the new servicer XXXX is claiming the escrow is behind. I spoke with XXXX and XXXX and neither will own up to correcting the mistake. Please help me resolve this issue so that I can continue to afford my Mortgage.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CO)

A customer of mine paid me for a competed service. PayPal is gon na hold my funds for XXXX days. It's over XXXX I need this money to pay for labor material and taxes associated with work. They already took XXXX percent from me, now I have to wait a month to get it. This is criminal behavior, I would like XXXX percent back and some because I believe this unauthorized loan is worth more than that. They don't even tell you they gon na take XXXX percent. They just take your money then " borrow the rest '' interest free without the consumer 's permission.