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

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and Personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and Personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and Personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I am a customer of XXXX XXXX XXXX. My first complaint is I was never notified about the lawsuit and making a claim. We pay our mortgage every month and somehow we are being charged with {$5000.00} in late fees or other miscellaneous fees. It keeps going up. In addition to this problem, every year according to them our escrow account is short for paying homeowners insurance and taxes. This is almost impossible. I contacted Ocwen about a year ago regarding the processing of our monthly payments and fees to get an accounting history on this and I never received anything. We really need to have this rectified and I believe we should have a part of the claim filed against them as we have been billed incorrectly and right down frauded. I am hoping to get some assistance to fix these errors and compensated for the mistakes that are piling up every month. 

Thank you
Consumer complaint received 2022-11-11
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$100.00}
Consumer complaint received 2022-11-11
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. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  Account Number : XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

For the last 2 years I have Used the credit builder card from XXXX otherwise known as XXXX XXXX  I stopped Using the account a while ago and they reported the account 30 days late. Its impossible because this is a prepaid credit account and you cant spend money you dont have I tried calling them but they refused to fix it and gave me vague answers. My former name XXXX is on the account just for your records but I called them and asked them to remove the late payment because it was never late and was impossible to be late!
Consumer complaint received 2023-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (MN)

Flagstar Bank has taken nearly every payment that was sent and misapplied the funds. 

With every payment, we have sent an overage that we have directed to be applied to principal. However, Flagstar has routinely applied these funds to future payments, guaranteeing itself additional interest beyond our goal of principal paydown. We have been given various excuses and workarounds, even as the company has noted that it has fixed the issue each month. 

Most often, we have been told to send the check after the due date, as a check arriving even one day before the due date is not treated as applying to that due date. While we haven't heeded this advice and have sent every check to arrive on or slightly before the due date, I do note that the XXXX payment yielded a late fee ( later reversed ) because Flagstar inappropriately assigned the principal overage to the month of XXXX from the check sent for the XXXX payment, resulting in no payment recognized for the month of XXXX despite the check arriving slightly before the due date. For this most recent payment in XXXX, our check arrived on XX/XX/2023, and the overage was still applied to the month of XXXX instead of principal paydown. 

After more than a year of Flagstar 's repeated misapplication of funds, I no longer believe that this is accidental. I must call for a correction every single month ; these calls will be noted in Flagstar 's records. Because these errors, if left uncorrected, benefit Flagstar in the form of additional interest, I must raise the concern that this activity is not negligent but rather fraudulent. 

No other mortgage servicer we have had has had this issue. As a result of this issue, I have had to spend many hours on the phone with Flagstar. These calls have resulted in promises of ongoing resolution, but the issue is ongoing.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Remove late fee and charge offs on my credit reports that were not supposed to be reported from XXXX, due to the hardship of the pandemic. 

I found late payments from my credit card that were reported to all XXXX bureaus. 
XXXXXXXX XXXX  : XXXX ; Charge off : XXXX XXXX : XXXX ; Charge off : XXXX XXXX XXXX : XXXX ; Charge off : XXXX XXXX XXXXXXXX : XXXX ; Charge off : XXXX
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

I received an email on XX/XX/22 from Bank of America that an account was being opened with my information. I forwarded this email to their fraud department per the instructions online. 

I received another email XX/XX/22 that an account had been successfully opened on Bank of Americas website. I called the BOA phone number and they connected me to the fraud department, who said they couldnt do anything without my full SSN #. I didnt really want to provide it, especially since my information seems to be compromised. They said they couldnt do anything about the fraudulently opened account without it. I dont live near a BOA and do not have the ability to visit a branch. 

I work at a bank and I asked them how someone could open up an account without proof of identity or address. I asked if they required a photo ID or proof of residency, and they said no. I had to prove MY identity, but the fraudster was able to open an account without being asked to prove theirs. They got the account closed after I finally gave them my SSN, but it was all around a poor experience. They didnt flag my information after o forward the first email to the fraud department and someone was able to open an account.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Discrimination by Capital One, to wit : under Title 7, I belong to a class of individuals that are protected under " XXXX '' as I am XXXX  and already have numerous credit cards and bank accounts with Captial One, this particular one is a new Cabela  Card, ending in XXXX, and they are now trying to supposedly verify authorized users which ALL other cards already have XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one and the same, has changed name/gender in California in XXXX. Capital One knows this, thus is committing violation of Title 7, under HHS, a violation of Title 7 and under Section 12948 of the Government Code in California, which incorporates section 54 of the Civil Code, in which, the credit cards were opened, thus California law also applies which is enforced by the State of California, Dept of Fair Housing and Employment, in which I have had several like kind prosecutions against like kind firms. 

Thus, Capital One, is in effect, causing me harm, a tort which is actionable under HHS for Civil Rights Violation under Title 7. 

We suggest you look into the case accordingly, as I will be pursing with HHS and State of California for the offenses laid out above. Be advised I am an AXXXX XXXX and in XXXX XXXX, so versed in Title 7 cases and violations and under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) I am a member and are being discriminated based on XXXX XXXX  or XXXX XXXX, under XXXX, under the above forementioned case.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-11-11
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: Yamaha Motor Finance Corporation USA (FL)

Dear Yamaha Motor Finance Corporation, U.S.A., as dated XX/XX/2022, I, XXXX XXXX, consumer, have a simple question that I am demanding answers of ( XXXX ) Do Yamaha Motor Finance Corporation, U.S.A. comply with, follow Generally Accepted Accounting Principles ( GAAP )? In addition, according to my Consumer Report Im aware Yamaha Motor FinanceXXXX Yamaha are in fact furnishing a {$13000.00} balance to my report. However, my question shall not be construed for any reason or any purpose at any time by any person. Thank you for allowing me to address any of my concerns, sincerely, XXXX XXXX. 

XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Consumer complaint received 2022-11-11
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)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my rights to privacy and confidentiality under 15 USC 1681. 

Account name and number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX not sure of last 4 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 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Consumer complaint received 2022-10-03
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. (MN)

Recently, I did an investigation on my credit report which caused severe XXXX in me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (WA)

I had to file a previous complaint in order to even get XXXX to contact me. Once they finally contacted me I negotiated a settlement of debt. They have reported to the credit bureas that I made a payment and not that the debt has been settled. They are still reporting that a balance is due.
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (CA)

I filed for BKXXXX on XX/XX/2018 and I called on XXXX  XXXX  to make the payment and they told me the BK department was gone for the day and they could not accept my payment i called back and asked them to back date my payment for XXXX  because it was their mistake and they told me they would and I trusted them to do so. I again clled on XXXX  XXXX   to make my payment and they told me again that they could not accept it so I clled on XXXX  XXXX  ( i was unable to call on the XXXX  due to business travel ) and now they tell me they are filing MFR, I told them that they refused to take my payments for the months referenced. I need them to post them for the correct dates and have the MFR not filed. They should also train their employees for dealing with BK borrowers Please Help
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 

Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 

Account name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXXXXXX XXXX  is using deceptive practices & extortion against me. I requested that a late payment be removed from my acct because of THEIR fraudulent reporting. None of what is required by law was done before reporting derogatory information on my report. XXXX XXXX is knowingly breaking the law after my first complaint with no regard to me in our fiduciary relationship. XXXX XXXX has then threatened to close my cards, saying that they dont understand my complaint, which worded simply and plain. They also refused to respond to me through the cfpb which is the median I reached out to them through. I have done all of the verifying that is required by law. I am being bullied and attacked & this is causing me stress and XXXX
Consumer complaint received 2022-11-11
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. (PA)

XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX CHARGE ACCOUNT High Balance {$430.00} >Sold ; was XXXX Closed XX/XX/XXXX PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-11
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. (AZ)

I have inaccurate information on my credit report. I contacted the creditors and credit bureaus and they have not responded within the 30 day time period.
Consumer complaint received 2022-09-15
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. (CO)

THIS IS ALSO NOT A DUPLICATE REQUEST, YOU CLOSED MY FIRST COMPLAINT OUT XXXX STATING THIS WAS ALREADY SUBMITTED. WHICH IT WAS NOT. HOW CAN THE CFPB CLOSE MY COMPLAINT AND NOT EVEN FORWARD IT TO THE COMPANY WHEN I HAVE NEVER SUBMITTED THIS? 

PLEASE REVIEW THE ORIGINAL COMPLAINT THAT YOU DISREGARDED XXXX
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2024-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (TN)

My phone was taken and transactions was made to a recipient that I never sent money to. They emptied my account through XXXX XXXX. I contacted XXXX  customer service, XXXX XXXX customer service and my bank regions. Ive yet to hear back from anyone yet.
Consumer complaint received 2023-06-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (GA)

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Called yesterday, XX/XX/22 capital one spoke with 2 representatives who stated they would not help in any way with regards to experiencing financial hardship due to increased expenses. Was told they do have Covid programs, however, absolutely nothing can be done to help either lower my payment or work with my situation. 

I further explained I need help and was blatantly told we have no options for you.