davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account below, 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 Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX First XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Credito XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

ive banked with USAA for over 20 years Over that time, I have incurred probably over 300 overdraft fees totaling well into the tens of thousands of dollars Its absolutely ridiculous that these overdraft fees are charged to people who cant afford to keep money in their account and might go over your balance by a dollar or so Its a vicious cycle where the rich get richer and the poor get poor USAA should be absolutely ashamed of themselves along with other banks who are praying on lower income people I charging these fees only to make their pockets deeper
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Account Discovery Systems, LLC (CA)

On XX/XX/2018 at or around XXXX, I received a phone call from a blocked number stating that they are from the county, and are wanting to meet up with me to have me sign a legal document, and that I am being sued by the company filing the paperwork. I was instructed to call ( XXXX ) and reference a file number. The number provided is for a collection agency called XXXX. XXXX informed me that it is a debt with a company called " Account discovery systems '' who hired them to collect a debt from the originator ( XXXX ). When I asked XXXX to validate the debt, they asked for my email to email me the validation. I denied- as I wanted to send them a formal letter asking for proof of the debt. They denied providing their address and claim that they're not allowed to provide their address. I had stated that I want proof that I owe the debt, however the person who I was speaking with, became irate, and belligerent stating that they will close my case and suggest legal action if I don't pay.
Consumer complaint received 2023-08-11
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: GOLDMAN SACHS BANK USA (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/XXXX ACCOUNT NAME : 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 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Consumer complaint received 2022-05-18
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. (GA)

While looking for a car and speaking with a salesman, I was clear to only run y report once, but my credit was shopped around to numerous lenders that I never asked for.
Consumer complaint received 2022-05-18
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. (GA)

While looking for a car and speaking with a salesman, I was clear to only run y report once, but my credit was shopped around to numerous lenders that I never asked for.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

1 ) Achieve personal loans Acct # XXXX : Factual disputing and an billing error. This account is not reporting uniform with the other bureaus and there is a billing error based on 15 US 1666B. MUST BE REMOVED 2 ) XXXX XXXX XXXX Account # XXXX Facutal disputing and billing error. 15 US 1666N. MUST BE REMOVED 3 ) XXXX- Account # XXXX Factual disputing and billing error. 15 US account must be removed. 
4 ) XXXX XXXX XXXX / XXXX - ACCOUNT # XXXX factual disputing and billing error. 15 US 1666B ACCOUNT MUST BE REMOVED. 

I have submitted requests multiple times to EXPERIAN to update my file to be accurate and complete and they continue to ignore my requests and refuse to abide by the law. They claim it is not me requesting my file to be updated. I have sent them proof of my identity but they still have inaccurate information on my file like the accounts above. 


I have attached reports from EXPERIAN, XXXX and XXXX. EXPERIAN has different information. Their report is not accurate, complete or uniform. This is against the law. 

XXXX STILL HAS XXXX XXXX ON THE CREDIT FILE. THIS ACCOUNT IS NOT ON EXPERIAN OR XXXX AND MUST BE DELETED. I continue to request them to update the file based on factual report and billing errors. They refuse. I need your help holding them accountable.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have a conventional mortgage which is a 1 year XXXX XXXX ARM. My Arm was subject to change effective XX/XX/2022. Mr Cooper is the servicer and XXXX owns the loan. The 60 day notice of rate change was due on or before XX/XX/2022 for a payment change that was effective for XX/XX/2022. Mr Cooper did not send me a letter, so I assumed that there is no change. When I logged into my account to pay my mortgage for XX/XX/2022, I notice a document had been loaded into my account for a Notice of Rate change, but it is dated XX/XX/2022. The payment interest rate went from 2.50 % to 3.625 %. I knew this is wrong so I contacted Mr Cooper, notified them that the 60 day letter was delinquent and the rate was wrong. I included in my attachment all documents and emails between me and Mr Cooper detailing their error. I have also contacted XXXX regarding Mr Cooper violations and errors. The 1 Year XXXX index rate from that Mr Cooper said they used is XXXX, I found the index rate a slight bit higher at XXXX. So if we used their admitted index rate of XXXX + XXXX Note margin = 2.2632 % new interest rate. After I pointed that out to them in our email exchange that their new rate assessment was wrong, they have now lied, again, and said that Mr Cooper changed the 1 Year XXXX Rate index from XXXX to 1.322 % for a new interest rate to me of 3.572 %! What??? So I guess that they can take indexes and move the decimal point to where ever they want it to pump their profits? Where is that in my Note? They are now just making up numbers for 1 year XXXX indexes to cheat customers. 
They refuse to put the floor rate per the Note back to 2.50 %. 

XXXX XXXX XXXX XXXX XXXXXXXX They
Consumer complaint received 2019-11-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: DailyPay, Inc (SC)

CFPB employee, im mainly sending this into you for this complaint to be on your records because it needs to be, and if you think another agency should be aware of it, then please forward this to them as well. 

I started my job and worked the day, i called out the next day to do a stomach bug, i received an email from dailypay saying i earned {$67.00} on a workday that was $ 120+. I  thought i was short changed which ended up causing me to quit, ill get back to that. Because of that i used {$60.00} of it and about a week later on on payday, dailypay deposits an extra {$62.00} into my bank account, i also receive a paycheck from my employer, I reached out to my employer and called into dailypay to figure out what happened, the agent i spoke with at dailypay said i owed dailypay nothing and my account was in the clear, which i have on recording. after a few days of being the middle man, and dailypay not replying back to my emails, i was told dailypay reached out to my employer and was trying to figure something out, No one wanted to mention what happend there, for all i know, my employer paid it off for dailypay to continue saying i owe them money. Anyways, in there terms of service in section 2 it says if my employer short changed dailypay, i wont owe them a cent and yet here we are, They kept insisting i owed them money, so just to get this borderline illegal harassment over with, i paid it off, and the account is still deactivated, still! 

If i were to take this to court, you do realize the amount of crap i could get dailypay in, Thats not even including the fact that my personal information was transferred inbetween my employer and dailypay without my consent. 

Im still contemplating what to do so there wont be a final point to make other than Dailypay, you seriously need to get your XXXX together, like, REALLY BADLY!!
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (CA)

santader bank is based out of texas and they call 5-10 times a day looking for an unknown individual. They dont care about public complaints if you check online this company is facing alot of complaints they seem to conning their customers also. 

Have never dealt with them this phone is the only connection. 

Nb my email is XXXX Please note some of their alleged customers may be victims also.It is almost impossible to stop a rogue bank from harassing people because they seem to well financed.
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

I have lived in my home for 15 years. I am a senior citizen. My loan was bought by Nationwide/Mr. Cooper some years back. I never had a problem with them until I refinanced this past XXXX to pay off some debt. Since refinancing I have had three major problems with this company and there has been no reasonable explanation for any of them. 

First I received a bill from the Town of XXXX that I was to pay my own taxes. My taxes have always been paid by my mortgager and nothing changed. I was told a 3rd party company XXXX sent the town the letter. No one had an explanation. I asked for a written response as to how this happened. I got an email saying the taxes were paid. I was never told why it happened in the first place. I received a letter saying as much and they told me that as of XX/XX/19 they still had not received my payment. My mortgage has always been paid directly to Mr. Cooper from my checking account on the first of every month. I checked with my bank and they said Mr. Cooper received the payment on the first as always. The letter from the XXXX XXXX Customer Relations Specialist who was very nasty and condesending told me my bill was not paid and showed me their statement saying it was posted on the XXXX and it was my problem. The bank confirmed for the 2nd time that they received it on time on the first and it was in internal problem with Mr. Cooper. They are jeopardizing my credit at this point. 

Then to make matters worse they send me a new bill now for {$690.00} instead of {$680.00} because they shorted my escrow account when they refinanced. Obviously to make the payments seem more reasonable than the other companies who were giving me their figures for refinancing. 

I do not know what is wrong with this company but something has dramatically changed and someone needs to look into them. I do not want to stay with them at this point but I would have to pay closing costs all over again to go somewhere else. I think they have no explanation for any of these serious problems which occured in the last 6 months. I am afraid to stay with them.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Due to lack of communication by the business on how payments would be allocated I was charged back interest. I called the bank and they advised they were unable to wave back interest of promotion. I made enough in payments to cover amount of purchase. Call with business took place XXXX XXXX 2019.
Consumer complaint received 2022-05-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GVA Holdings, LLC (SC)

I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

On XX/XX/2022, I received a phone call from a third party debt collection agency. The representative stated that this was an attempt to collect a debt on the behalf of the loan agency. I let the representative know that this account was in dispute, and that I was recording the conversation. The representative proceeded to hang up. 

I then sent a second letter of debt validation via certified mail on XX/XX/2022 requesting the same information from the third party debt collection company. I also gave this company the courtesy of a 30 day period to provide me in writing with validation of the alleged debt, a true bill of the alleged amount they say I owe them, and a completed corporate government employee questionnaire. 

In my letters for debt validation, I asked to be addressed only via mail in writing. The third party debt collection company completely ignored my request in my letter to not be contacted via email, phone, etc. Instead, I have received numerous emails from the third party collection company, which began on XX/XX/2022. 

The email sent to me on XX/XX/2022 stated that they had somehow finished processing my dispute, and that we have confirmed that you owe the ( alleged ) amount of {$680.00} '' with the original loan company. There was a link attached to this email that stated I could access my debt validation documentation here. The link took me to a screen that said We've verified that you owe this balance. The same page also stated that This concludes the dispute process.. There are 2 files on this screen, file 1 is very vague and only lists a principal amount, interest, fees, late charges, and a total balance. Nowhere on this screen does it indicate what this alleged debt is for, and to whom it is owed. Nowhere on this screen does it indicate that this debt belongs to me. This is not proof of VALIDATION of this alleged debt. The second file shows an alleged loan agreement, which does not satisfy my request for a TRUE BILL and validation of the alleged debt. 

The email sent to me on XX/XX/2022 states they are following up with the balance verification for my alleged account with the original loan company. 

I have received three more emails to the same effect, dated XX/XX/2022, XX/XX/2022, and most recently, XX/XX/2022. 

The third party debt collection company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The third party debt collection company continues to harass me via email every week, and the company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Consumer complaint received 2019-07-28
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. (ID)

This issue is an existing problem which Equifax, XXXX and XXXX  weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX****
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I do not recognize this inquiry, please remove. 

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2019-11-22
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)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

XXXX, Transunion and XXXX  did not block the data on the credit file.

XXXX, Transunion and XXXX  has made no attempt to properly follow section 605B of the FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (WA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-05-22
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. (CA)

I recently sent two dispute letters to Experian in reference to inaccurate information. In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 ( A ) states : I have a right to privacy 15 U.S.C 1681 section 607 ( A ) ( B ) Every consumer reporting agency shall maintain reasonable accuracy of report 15 U.S.C 1681 section 611 ( 5 ) ( A ) ; Treatment of inaccurate or unverifiable information
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Entrata Inc. (IL)

I partially filled out an application for an apartment but never submitted it. They decided as a sales tactic to approve my application and do a hard pull of my credit that I never consented to.