davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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. (NJ)

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. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX 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 an 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 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX XXXX XXXX XXXX Documents were uploaded twice on XX/XX/XXXX & XX/XX/XXXX I filed disputes with the expectation the fees would be reversed. I never had a XXXX subscription. The trial subscription was cancelled a few days after opening the account as i learned the third party network i signed up with, XXXX XXXX, ran a scam. 

XXXX XXXX cancelled my account after receiving my identification. and capital one has let XXXX XXXX and XXXX get away with it by not accepting and approving my disputes. as a result, these companies were not reprimanded. 

capital one misrepresented what charges were being disputed and my DISPUTES were denied. i had to appeal the decision twice. and in denying my case. i was forced to make payments all year long during XXXX for a balance i do not owe. incurring late fees and interest IN THE PROCESS. 

capital one owes me money. i want my money back. I'M TIRED OF MAKING PAYMENTS CAPITAL ONE 'S ACTIONS ARE DISCRIMINATORY.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I'm a victim of identity theft. There are several accounts opened without my validation and several inaccurate information on my credit reports. Below are some fraudulent inquiries founded on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (MS)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AutoNation Enterprises Incorporated (CA)

This company has refused to acknowledge the deceptive practices used to get consumer in unconscionable contracts. Consumer has tried disputes, Validation, and even CFPB, all of which has not changed the fact that they continue to violate this consumer. The Tax is now being assessed. Copies of 1099 sent to both company and IRS. Now to litigation
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (TX)

I have two issues with coinbase repayment system. My first issue happened XX/XX/XXXX, my bank card had been hacked so one of my payments reversed on coinbase for XXXX. I made a repayment using my crypto wallet XX/XX/XXXX in full. On feburary 1st coinbase charged me of what i already paid back. I have not recieved a refund since then. My bank account got hacked for a 2nd time feburary 17th causing {XXXX} to be reversed from my bank account on feburary 23rd. Ever since then ive been trying to repay them back but i keep getting error messages & my account has been locked for trading since. I have the funds in my wallet & bank account but nothing works. Ive called support every day but nobody seems to know how to help me out. Im affraid if i don't speak up i will lose all my money invested.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

My name is XXXX XXXX and my wife is XXXX XXXX, last XX/XX/2021 we purchased XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX a single family home for our primary residence with our XXXX children. At the time the monthly mortgage payment that the New Rez mortgage broker presented to us was $ XXXX. The mortgage broker did not include all of the insurance costs before closing so now our current mortgage payment is just below {$2000.00} a month. The error was that in NC they separate out wind/hurricane insurance from all other perils and you have two policies for one home. The broker took the cheaper of the two policies that were sent to her via email ( see attached documents ) and did not include the higher cost wind/hurricane insurance, and that is where the error occurred. I guess with the broker not working in NC and not being familiar with NC laws is the root cause. 

We called New Rez, but they said there was nothing they could do, and expect us to pay for this error by their mortgage broker for the next 29 years at 3.5 % interest compounded. We are now filing this complaint in hopes that NewRez will work to make this right. I have below the contact information for the NewRez and the broker we worked with. 

New Rez NMLS number is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX | XXXX # : XXXX Licensed in multiple states XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX, XXXX, XXXX XXXXXXXX XXXX : XXXX ( ext. XXXX ) | cell : XXXX fax : XXXX
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OR)

I refinanced my home in XXXX of XXXX with Rocket Mortgage also known as Quicken Loans who are partners with XXXX XXXX to reduce my interest rate and to leverage my home equity to reduce the time it would take to have the PMI removed. 

At the time of refinancing with Rocket Mortgage in XXXX of XXXX, my home estimated value was {$460000.00}. Rocket Mortgage however used the XXXX value instead of the value during refinance. 

With my consistent payment on my Mortgage and the correct value of my house of about during refinance {$460000.00}, I have met all the requirements to have the PMI removed and I'm asking Rocket Mortgage and XXXX XXXX to remove the PMI from my mortgage. 

The current value of my is is now at {$560000.00} and I'm still being required to pay the PMI even though I have qualified to have the PMI removed at the much lower fair value of about {$460000.00} of my home during refinance in XXXX of XXXX.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (KY)

I find it pretty stupid that Sterling Talent solutions does not do background check based on social security numbers, and that you get someone elses info on mine costing me employment. I have never had a criminal record and I have never been to XXXX so all the info pertaining to a XXXX XXXX is bogus, as well as anything else outside of XXXX where I have lived all my life except for 9 months in XXXX at which time I still owned my residence in XXXX. This needs to be addresses as soon as possible in conjunction with the CFPB Thanks Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SS XXXX DL XXXX
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JOHN GIBSON AUTO SALES, INC. (AR)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I purchased a cashiers check from Bank of America for {$14000.00} payable to XXXX XXXX XXXX to payoff my car loan. On XX/XX/2022, I discovered XXXX XXXX XXXX had lost the check and requested that I have the bank reissue it. Bank of America says that its policy is to wait a minimum of 90 days to start the process and it can take up to 120 days for it to actually reissue. I never knew about this before I asked about a reissue, the bank says it is policy and written on the check in small print. However, I was presented the check in a white envelope and never reviewed the actual check. The only thing I signed was the withdrawal slip, I was never appraised of the rules and policies, This an extreme financial hardship for me.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have disputed this debt with all three credit bureaus and I have filed a complaint with CFPB as well. This debt is being passed around from debt collection company to debt collection company to see who will collect first. It is not fair to me when this is not and has never been a debt of mine. I have no idea how or when this bill was paid or why it stopped getting paid. This account has been taken off of my credit by the original creditor due to lack of validation but the debt collection companies do not care if the information is valid not as long as they can make money off of the innocent. This is not good business or fair to those of us who are doing what is right. If we do not use our credit because we are not constantly buying things how would we know that bad people are doing things with our credit. This XXXX XXXX XXXX has two different accounts and that alone should have thrown up a red flag but no one seemed to notice. I live alone, my kids are grown and I have informed mail delivery so I see everything that comes to me before it goes to my mailbox. None of the things that I am disputing has ever come to me. This is why I am requesting to have this false information removed from my credit.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CO)

I do not own a Phone and Chase Bank wants to send me a Text Message to Verify my Identity I'm XXXX and do not use a Phone and I cant afford Phone XXXX XXXX XXXX all need a $ 5000 yearly international XXXX XXXX to Contact a Bank XXXX number There no Payphones
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-08
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. (MD)

In XXXX 2017 I contacted XXXX XXXX about their reporting on an auto loan that was included in my bankruptcy. They told me that they had reported it to XXXX and Transunion as Chapter XXXX  bankruptcy. XXXX 's response to the creditor was because of a lawsuit that the discharge paper work that was sent to them ( creditor ) from the court was not sufficient enough and that I would have to personally provide them with the the schedule of the items I included in the bankruptcy to them ( XXXX ). When did this new practice come into play that the discharge paperwork that was sent to to creditor from the courts was n't sufficient enough? When did the policy change when a credit submits information to the bureaus to update account information they choose not to? I have contacted XXXX personally and they told me I would have to either provide a copy of all my paperwork I filed to the courts almost 3 years ago for their review. I ', m not going to submit my personal information to them especially with the situation that just happend at XXXX. Transunion has reponded that the creditor has verified they are reporting correctly which is untrue. XXXX and TransUnion are giving me a hard time as well as the creditor. I stated to both bureaus if they are not able to report correctly they need to remove from my report which they have not done. They are in violation of my consumer right and I need the CFPB to step in and help.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (CO)

Hunter Warfield has called me today, XX/XX/2022, 3 times already. Times for each call in XXXX have been : XXXX, XXXX, and XXXX. This seems rather excessive and they do not leave a message. The number was the same each time : ( XXXX ) XXXX.
Consumer complaint received 2019-07-10
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: SYNCHRONY FINANCIAL (WA)

My identity was stolen and numerous store accounts were set up in my name, under a different physical address. I was not aware of the theft until contacted by a collections agency. I filed a police report on the matter and notified the credit and collections agencies ; I also disputed the charges on my credit report, but these items remain as derogatory remarks on my credit rating.
Consumer complaint received 2022-03-15
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. (AK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-03-15
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (VA)

After the sale of our previous property ( XX/XX/XXXX ), my husband had issues obtaining a loan for his new vehicle due to the credit to debt ratio being high on his credit report. We logged into our experian accounts and saw that loan accounts, including the mortgage for the home we just sold were still showing as open and in good standing. We moved forward with disputing these accounts that same day. 

Unfortunately, on XX/XX/XXXX the PHH Mortgage loan dispute came back as still open and in good standing. I disputed the account again on the XXXX following the same process only to receive the same update on the XXXX. 

On the XX/XX/XXXX I filed yet again another disput but this time with a PDF containing screenshots from the online account showing the balance at {$0.00} with a message stating the account was paid in full and closed. Again, by XXXX the result was still that the account was still open and in good standing. I called both PHH Mortgage and XXXX to figure out what document I could provide to help my case. I was able to request a Paid in Full letter from PHH Mortgage which XXXX told me might help better than the screenshots I provided. 

By XX/XX/XXXX I received the documents and scanned them in to open another dispute to finally get this loan off mine and my husband 's credit report so we could move forward with securing a home loan which we have been holding off on doing in order to not run into the same issues as with my husbands auto loan. But on XX/XX/XXXX the results yet again came back as open and in good standing. I called PHH Mortgage but their customer service department was not able to connect me to the people in their credit department and the only response I received through their customer service after they reached out electronically to the credit department is that it takes time. But they did not answer why after I had disputed the account with documentation provided by PHH Mortgage was that department still telling XXXX the account is open when it so clearly is not. I expressed wanting to speak with a supervisor to escalate my complaint and after being on hold for almost XXXX mins I was hung up on. 

I feel that this is my only option to be able to get this issue corrected so that my family can finally move forward with securing a loan and a new home for us to live. With the state of the house marketing the longer we are forced to wait the worse our chances are as things become more and more expensive. I don't understand how a company who I no longer do business with has the power to hold me back from being able to find a home for my family but evidently it does. I really hope the CFPB can do something to help us. 

Thank you,
Consumer complaint received 2022-03-15
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. (GA)

I ALREADY DID MY COMPLAINT ABOUT MY INQUIRIES TO EQUIFAX AND THEY HAVE TRIED TO SAY THEY HAVE VALIDATE THE INQUIRIES BUT STILL HAVE NOT SENT PROOF OF VALIDATION. The law " 15 U.S. Code 1681i - Procedure in case of disputed accuracy 1 ( B ) '' - YOU HAVE THE 30 DAYS TO INVESTIGATE BUT YOUR AGENCY exceeded 30 day time to resolve the dispute lawfully. EQUIFAX failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. AGAIN From my records neither did I authorize these INQUIRIES, there is NOT permissible purpose that applies so therefore EQUIFAX is REQUIRED to immediately REMOVE each and every last one of them from my credit report.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The Credit Bureau stated they properly investigated my account but that can not be possible if " XXXX XXXX XXXX '' is still present even though they stated it was removed. Also these accounts being placed on my report have violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXS XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 section 602A. 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 2022-03-15
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. (CA)

Transunion, XXXX, and XXXX have all been notified of my identity theft report to the Federal Trade Commission. I have specifically notified them that accounts being reported on my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX For fraudulently obtained credit cards need to be removed under the FCRA. They have wrongly claimed that they have " researched '' the issues. Their research has been negligent and they are causing me harm by continuing to report this false information.
Consumer complaint received 2022-03-15
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On viewing my credit report, discovered I had 3 hard inquiries from Bank of America, XXXX XXXX and XXXX XXXX XXXX I never authorized.
Consumer complaint received 2022-04-15
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. (AR)

I am a victim of identity theft. I have requested that the bureaus remove these fraudulent items on many occasions. I have also requested to see proof that was used to verify these items, and they have not provided any contract or signature for any of them