davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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. (NC)

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or h
as reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-01-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

On our about XX/XX/XXXX, I received a letter From XXXX XXXX XXXX Account Number XXXX, Vehicle - XXXX XXXX XXXX, VIN # XXXX, CFPB Complaint No : XXXX, stating that XXXX XXXX XXXX & XXXX XXXX were unaware of any pending lawsuit. ( see attach ). 
As of now, XXXX XXXX and XXXX XXXX XXXX is reporting the above account as a charge off with XXXX balance. Records indicate that XXXX XXXX paid off the Vehicle in Full and paid off all repossession charges. Therefore the record on the credit bureaus should show paid off in full, since the car was never taken to auction or sold publicly, but that part of XXXX Agreement was to pay off the vehicle repossession fees and free me of any liability concerning this vehicle. 

The second problem was that XXXX XXXX/XXXX XXXX XXXX claim they were not aware of any lawsuit that I had brought against the company, concerning the above vehicle which only goes to show that XXXX XXXX/XXXX XXXX XXXX did not do thorough investigation before submitting there response to CFPB.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CA)

Nationstar/Mr. Cooper transferred the loan to XXXX when I paid XXXX off in 2017. Nationstar is reporting the loan on XXXX  as an unpaid chargeoff with a balance of {$19000.00} which is incorrect.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

1. Applied to Capital One for a Quicksilver Credit Card late XX/XX/XXXX. It was denied 2. Form letter denial indicated credit score of XXXX from XXXX  and listed following factors for denial. a. Time since most recent acct opening too short ; b. Delinquency accounts ; c. Too many inquiries in 12 months ; d. Lack of recent installment loan information 3. In early XXXX I requested and received Credit Report from XXXX. Nothing in that report supported the basis for Denial. 

4. Late XXXX I asked to have this reviewed again it was denied for the same reasons. 

5. XX/XX/XXXX, I wrote a DETAILED letter indicating where the facts did not support the basis for denial. The application was again denied with the same form letter as previous. 

6. XX/XX/XXXX, I spoke with customer service to try to better understand the basis for their conclusions. XXXX, a supervisor, was not able to give me any additional information. 

7. Given that the facts do not support the information in the denial and I am unable to get any further clarification from Capital despite numerous attempts to do so, I must conclude that discrimination due to age for gender must be the reason.
Consumer complaint received 2022-11-12
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The Items that need to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX Balance : {$180000.00} XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX Balance : {$420.00}
Consumer complaint received 2020-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (AR)

I have been paying on a credit card debt for over a year and to my knowledge the debt has been paid off but the company keeps taking money out of my account. I have been unsuccessful to contact anyone at this company to discuss this matter. This seems like a scam.
Consumer complaint received 2020-01-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Back in XX/XX/2019 I traded in my XXXX XXXX XXXX in which I was going to buy a XXXX XXXX. I was under the impression that I sold the vehicle to the dealership while waiting for my custom vehicle. The dealership provided me a loaner until my custom vehicle was completed. It took longer than expected which caused 2 late payments on my credit. The dealership in fact paid the payments off and sent 2 letters to XXXX XXXX XXXX letting them know it was their fault and excuse the late payments. I received a letter from XXXX asking for documentation. The XXXX dealership again sent them documentation of the transaction and also asked to pardon the late pays again. XXXX XXXX  refused to remove the late payments after the dealership admitting FULL fault of the late payments. I am simply in need of them to remove the 2 late payments on my credit which is creating a hardship on my life. Im not able to obtain anything due to the late payments making my scores drop tremendously on all 3 credit bureaus. I have spoke to several representatives who thought that the credit bureau management team would have the decency to adjust my account. After weeks of begging them they still refused. This was my last resort in order to try to get my life back on track due to someone elses mistake that they took responsibility on.
Consumer complaint received 2020-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NC)

This account was originally created for a cell phone with XXXX. The XXXX network did not work in my house. Because fo this, the phone was returned 1 or 2 weeks later, and this account was paid off and closed. 

This account was paid off and closed within 1 or 2 weeks of being opened. I never used this XXXX account ( or any other XXXX account ) or the phone after this time. I switched to a different cellular provider that had service in my house. 

This account was paid off and closed, nearly 10 years went by before XXXX made any claim of an " outstanding debt ''. I do not owe XXXX any money. I closed and paid off this account within 1 or 2 weeks of opening it.
Consumer complaint received 2020-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

Nationstar Mr Cooper sold my mortgage loan to XXXX. In doing so Mr Cooper did not transfer the full amount I had paid to them for the loan, hence, according to AmeriHome I am at risk of default because I have not paid mortgage fees due XX/XX/2020. I paid those to Mr Cooper on XX/XX/2020, which I can prove using my bank statements and Mr Cooper website statements. The amount paid was {$3600.00} paid on XX/XX/2020. This amount covered the full payment for the month of XX/XX/2020.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am having issues with unrecognized addresses on my credit report I need removed. 
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX   XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
Consumer complaint received 2020-01-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Back in XX/XX/2019I traded in my XXXX XXXX XXXX in which I was going to buy a XXXX XXXX. I was under the impression that I sold the vehicle to the dealership while waiting for my custom vehicle. The dealership provided me a loaner until my custom vehicle was completed. It took longer than expected which caused 2 late payments on my credit. The dealership in fact paid the payments off and sent 2 letters to XXXX XXXX XXXX letting them know it was their fault and excuse the late payments. I received a letter from XXXX asking for documentation. The XXXX dealership again sent them documentation of the transaction and also asked to pardon the late pays again. XXXX XXXX  refused to remove the late payments after the dealership admitting FULL fault of the late payments. I am simply in need of them to remove the 2 late  payments on my credit which is creating a hardship on my life. Im not able to obtain anything due to the late payments making my scores drop tremendously on all 3 credit bureaus. I have spoke to several representatives who thought that the credit bureau management team would have the decency to adjust my account. After weeks of begging them they still refused. This was my last resort in order to try to get my life back on track due to someone elses mistake that they took responsibility on.
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I received a letter in XX/XX/2019 that a flood map changed and I was required to obtain flood insurance or the company would force place. I did immediately obtain flood insurance. As I looked in to the matter more I found that the condominium is NOT in a flood zone, the garage that is a separate building, attached to many other garages is in a flood zone. I spoke on the phone to the escrow dept to somehow come to an agreement about possibly lowering the amount necessary that I needed to carry so that I only had to pay for coverage for the garage. The condominium is on the 3rd floor of the building and again, not in a flood zone according to FEMA. I  sent in a complaint letter again, requesting Mr. Cooper review the issue and lower the amount needed for the flood policy or possibly waiving the flood requirement. I received a letter with the same answer that I was receiving from the escrow dept. I then sent the person who sent the answer to my complaint an e-mail on XX/XX/2019 requesting a copy of the notification Mr. Cooper received from FEMA. If that notification has a PIN number on it, it will be the PIN of the garage. The condominium itself has its own PIN number. I was hoping this would help Mr. Cooper see my complaint more clearly. The person has not answered my e-mail or sent me the information that I requested. I sent a second e-mail on XX/XX/2019. I am willing to compromise and make sure the garage has the flood insurance based on its value but I find it ridiculous that I have to carry coverage of {$140000.00} ( my loan balance ) for a garage that is only worth {$5000.00}.
Consumer complaint received 2023-09-27
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. (FL)

TransUnion, I was a victim of identity theft and as a result have an unauthorized hard credit inquiry on my report- please see attached for my written complaint, drivers license, social security card, address, and FTC letter.
Consumer complaint received 2020-01-14
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: CITIBANK, N.A. (CT)

I called a plumber to do work on my kitchen sink. He quoted me a price of {$75.00} and hour, He was at my house for about and hour and a half, He charged me {$300.00}. He told me that he was a licensed plumber and I found out later that he wasn't. I contacted Consumer Protection and they told me that he can not bill me at all in the State of CT if he is not licensed, it is against the law. He didn't fix the problem and I hired someone else which cost me {$170.00}. The credit card company as a courtesy only gave me back {$150.00}. I sent proof to the credit card company of the laws in CT and that this person is not licensed and they gave the money to the merchant. This is dead wrong. Consumer Protection said  that I should be refunded the full amount. 
It is no different than a doctor doing surgery and billing you and he is not licensed and has no right to do surgery or bill you. The credit card company should have taken my side completely. It is Citibank Mastercard. The state told me that this is a fraudulent charge because this merchant is not a licensed plumber and can not touch someone's pipes, never mind charge a person. The credit card company handled this terribly.
Consumer complaint received 2023-05-12
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The Items that need to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX Balance : {$180000.00} XXXX XXXXXXXX Balance : {$560.00} XXXX XXXXXXXX XXXX Balance : {$420.00}
Consumer complaint received 2023-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

15 USC 1681 : Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer has furnished an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card under an open- ended consumer credit plan as late for any purpose.
Consumer complaint received 2020-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/2020 I sent {$70.00} to Arinoli Andole ( XXXX ) through PayPal Friends and Family for 2 tickets to Excision at the XXXX XXXX  XXXX in XXXX, CO. I never received the tickets. Before sending money, I asked profusely if she was going to scam me. On XXXX, her name is " XXXX XXXX XXXX ''. She even sent me a screenshot of what was supposed to be a proof of purchase, so I assumed it was fine to send my money over. However, she or he must've digitally edited the screenshot to make it look real. This is the second time I've been scammed and would really like you guys to look into this and refund me in some way.
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Check Resolution Inc. (IN)

XXXX Sold my debt to someone else and now they are calling my ex boyfriend that he is part of the debt that they are going to do an investigation process. The name of the company is national check resolution. 
This debt is from my business. They should stop calling anybody. 

Thank you!
Consumer complaint received 2023-02-12
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 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MO)

This is regarding my Synchrony Financial Amazon credit card. 
I know this is XXXX, but I get so many junk emails, that I have all of my credit card statements ( that are not on auto-pay ) set to paper so that they come in the mail. I then pay my bill timely 100 % of the time. My credit score reflects that. However, on XX/XX/XXXX I received a notification that my Amazon store card payment was past due. I knew that couldn't be true, and I suspected it was a scam. I logged into my account, and sure enough, it was past due. I had never received a statement in the mail, so I had no idea my payment was due. Upon chatting with customer service, I asked what my statement preference was set to. The agent confirmed it was set to email. I asked who changed it and whether I had given consent. The agent said it had been changed automatically. At that point, I was very upset, and asked if my credit was going to be affected. He said they would not report it and that he would waive the fee, which he did. However, today, I noticed that they also charged interest because the payment was late. I chatted with another agent today ( XX/XX/XXXX ) and asked if something could be done. The agent said they would not do anything about it. I get it, if they need to charge the interest, I will pay it. Not a big deal. To me, what is a HUGE deal is the fact that they can change my preference without ever getting my consent, which leads to fees and interest from which they profit. If it happened to me, it probably happened to hundreds or thousands of other people. Seems like a class action suit to me.
Consumer complaint received 2020-01-14
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc. (NY)

In early XXXX, we reviewed lenders for a student loan refinancing. At that time, we spoke to a Sofi customer service agent who brought to our attention that Sofi offers competitive rate matching and did not include any caveats - just that you need the offer from the competitive bank and can submit for Sofi to match. 

On XX/XX/XXXX, we decided we'd like to move forward with Sofi, but their offer was 36 bps higher than the best competitive offer. Again, I spoke to a Sofi customer service agent, this time on their chat service, and he confirmed they offered rate match. He even walked me through the process of where to upload the competitive offer document. At NO point, did either agent state that Sofi still had to review the rate and evaluate IF they would mate. Just that they matched. 

Based on the agent 's information, we decided to place our formal application with Sofi and included a hard pull on my husband 's bureau, impacting his credit score. 

After the submission, we were told that Sofi would not honor the competitive rate as a new policy launched in early XXXX no longer allowed them to go below their lowest offered rate. This meant that they in fact did not rate match in our situation. 

I proceeded to call in and explain how this was misleading marketing and at no point, did the service agent explain this. In fact, they lead me to believe the competitor rate would be honored no problem. This feels 100 % as a bait & switch and predatory lending. 

If we had been told the company 's actual policy, we would not have submitted an application with Sofi and all would be ok. Instead, the company will not honor our conversation with their agents and after further review, has turned down our rate match. 

This is exactly what I believe the CFPB is here to help consumers with since they companies are more powerful than an individual person and I have no leverage to hold them accountable for this misleading practice.