davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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. (CA)

I have reached the peak of my peatiece because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-01-07
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. (FL)

I am filing a complaint against XXXX XXXX XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I was struggling to pay my mortgage. I have XXXX children and I encountered some difficulty with one of my kids who did not initially want to sign the modification documents. However the issues were resolved and the documents were signed and submitted. I continued to make my payments and did not miss any payment. I was advised that every effort would be made to reinstall the Modification, however I was recently informed that the modification was denied. I would like to keep my home and would like this matter to be resolved.
Consumer complaint received 2019-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

https : //www.justice.gov/opa/pr/credit-suisse-agrees-pay-528-billion-connection-its-sale-residential-mortgage-backed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While SPS ( XXXX XXXX ) allowed me to modify my loan and defer in XX/XX/XXXX or XX/XX/2018 until the end of my note, they decided to later say I owed for escrow shortages to raise my rates to collect more money and completely negate the supposed method of deferment assistance. They may have said they are assisting the homeowner in order to receive credit for this lawsuit settlement, they have not been monitored since. They initially do the modifications or reliefs but later tack on additional fees and claim escrow shortages to put me and many other homeowners right back in the same position. I will also be filing and reporting fraud with the department of justice. They have decided to refer my loan to an attorney for foreclosure.  They say my loan is owned by XXXX XXXX XXXX XXXX, however the pool that my mortgage was sold in ( and a fraudulent mortgage assignment recorded in XXXX County One signature on my assignment, XXXX XXXX is listed only as manager but she has a different title and has notarized other homeowners assignments ) was recently referenced in a lawsuit by XXXX XXXX XXXX XXXX and was to be bought back by XXXX ( XXXX XXXX ) or XXXX/XXXX  due to XXXX/XXXX  XXXX lies and misrepresentation of mortgages in that pool. Its yet again proof that this company will spare no expense, even violate federal consumer protection laws to get what they want, a single mothers home where she has raised her children. They will pad their pockets and increase their gains anyway necessary even to the point of misleading homeowners and the federal government of their attempts to assist. 

It is a shame that this bank and company ( SPS who is owned by XXXX XXXX ) is allowed to mislead homeowners and put them in a bind to only take their homes after leaving them with so much debt that they couldnt refinance, sale, or achieve ultimate homeownership if they wanted to. They are a scam and lie and manipulate. I thought I had relief from them when I received a letter from another company but SPS continues to harass me
Consumer complaint received 2023-10-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC (FL)

On XX/XX/23 I sent an email to Westlake advising Id lost housing and was living in my car. They previously responded immediately when I emailed. This time they didnt. I left to go to Georgia briefly. They took the car out of the hotel lot. They demanded over {$1000.00} then {$890.00} which I paid. I repeatedly asked IF I PAY THEN I WILL CALL AND GET THIS CAR AND WAS TOLD YES. I paid. I called the number and no one answered. Again I called repeatedly. Then was told to call someone else, a tow company. Those people said they didnt have a release. Then said they did but I had to wait til Wednesday at XXXX XXXX to pick up car. I said all my clothes and medicines and all that I have is in the car and I am XXXX and here alone. They said too bad. 

Westlake had been calling me with spoofed area codes of XXXX every hour virtually and also lying repeatedly about extensions or being rude and saying horrible things, Ultimately they committed fraud.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (TX)

I am a victim of Identity theft I have all the proper documents that I have sent to the Navy federal including my police reports that they are including in and my identity theft passport that I have carried around with me for two years I went inside the branch and showed them my documents I even sent it to them by email to there security team my case number was XXXX on XXXX XXXX up to XX/XX/2023 and they denied me to opening a new account. when I never had one with Navy Federal in the first place. 
I have also filed with the state attorney general office below on this same matter. 


I am also having the same problem with XXXXXXXX XXXX I had provided them with the same documents as well I uploaded them onto their website they notified me that they clear that fraudulent account but do not want to do business with me and I thought that if a person is a victim of identity theft they are not held accountable and which these two banks are holding me accountable for my identity being stolen. peddled received my documents on XXXX I resent them the documents again on XX/XX/XXXX and XXXX of XXXX  the same thing happened with trust bank and us bank they are including as well
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (TX)

Issues with payments and have been reported unfairly on my credit report. With previous issues of bill payments I started to use there system to make payments. It takes days to come out and other things comes out so they blocked me from using payment system without giving me notification that I couldn't use it anymore. Bill pay takes over a week to be received and that was beyond my control. If I knew I couldn't use system I would have processed it sooner. This was an unfair practice and should be avoided not being allowed to use a system should be given a notice
Consumer complaint received 2024-02-08
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-08-27
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. (CA)

I have reached the peak of my peatiece because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-27
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)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (ID)

I received a letter from North Shore Agency dated XX/XX/2018 claiming that they were collecting a debt for a creditor, XXXX  ( apparently a magazine ), for {$13.00}. I do not have a subscription to any such magazine and have not purchased anything from that company. Furthermore, through a web search I found that North Shore agency has received many similar complaints.
Consumer complaint received 2019-01-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I bought a use XXXX  XXXX car in XXXX in XX/XX/XXXX at 6 months I started having problems with the transmission. The XXXX XXXX fix for free because I had less than XXXX, XXXX miles on it. And then I took it to XXXX XXXX for an Oil change and then I started having problems with the timing sylenoid no car dealer wanted to tell me what was the problem in the beginning and XXXX in XXXX XXXX charge me aprox XXXX to fix one piece of my syneloid but there telling me my car is was going to still have issues turning off because there's another piece that needs to be fix but the car dealer didn't want to tell me. he said it was the sprocket gear and it wasn't .... I spent money for nothing. Then I finally found a good mechanic to fix and tell me the problem and is was the timing sylenoid. I spend almost XXXX couldn't make my car payments got behind and I call capital one to lower my payments and they dont want to. I told them I get pay biweekly and my car payment is not the only payment I got. And I was fine making the payments because at that time my boyfriend was helping with some money but now I financially struggling with the car payments and I just finish paying my car taxes in CT because if not I cant renew my registration. they still cant help me to lower my payments. I have called the bank to tell them my situation. Im a single mother and I really struggling making high payments. I pay XXXX every month plus my car taxes and insurance. I need help please I only have one income and capital one cant help me to lower my payments. I wish I can get rid of this car
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received 2 calls outside of the time the company is able to call. The first call was on XX/XX/XXXX @ XXXX XXXX. I informed the representative that my local time was outside the allowed time. The representative verified my Arizona mailing address. The representative apologized and terminated the call. I then received a call on XX/XX/XXXX at XXXX XXXX. Again, I informed the representative of my local time, she continued the conversation and then when on to say that " by law, we can call until XXXX XXXX, I then repeated that it was XXXX XXXX. She continued to attempt to collect a late payment from me and I stated I was asleep, and have to be up at XXXX XXXX, I would schedule on my phone app.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (CA)

I have been submitting countless CFPB complaint to request the removal of the fraudulent items from my Credit Report. But despite the multiple written letters I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA section 605b, I am ordering the Credit Bureaus to DELETE the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ERC (NY)

Crediter name consumer XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Permissible purpose : written authorization Reguest on XX/XX/2017 Above information was been reported on my XXXX XXXX report. 
When contact the credit explain to me why they reported and optenin information from my file they refused to disclose and identify whos sending them written athurization to access my files
Consumer complaint received 2019-01-18
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. (CA)

I received a call from XXXX XXXX Call Center for student loan collections on XX/XX/XXXX where I told XXXX XXXX representative that I wanted to be on Forbearance as I still don't have a job and they stated they need to transfer my call to a supervisor since i was almost 29 days past due and possibly need one more payment before i can be put on forbearance. A supervisor came on the line and asked me a couple of questions and said i was approved for forbearance without a first payment since i am not completely 30 days past due. I also asked if this call was recorded and she said yes. On XX/XX/XXXX, XXXX XXXX reported me late and in my previous complaint i stated this and XXXX XXXX denied saying approval of forbearance. I disagree and know that XXXX XXXX is lying about my call on XX/XX/XXXX so looking to have the phone call pulled and presented to me as I know i was told by the supervisor that i was approved for forbearance.
Consumer complaint received 2019-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America.. REG E violation on XX/XX/XXXX I lost my debit card after visiting a Restaurant in downtown XXXX. This is not my primary card, therefore i did not notice it was missing until I noticed fraud on my Bank of America account. I submitted a fraud claim on all transactions that occurred after my last valid transactions and bank of america gave me a provisional credit. That provisional credit was reversed on XX/XX/XXXX and the reasons that were given, were that the transactions matched my spending pattern, were in my area and were at merchants that i have been to. 
These reasons were simply not true. This card is not my primary card therefore i do not use the card often, There were around 30 transactions which occurred in a short span over the course of a few days. Far outside my normal spending pattern, for amounts that i have never spent and almost all merchant i have never been too. The only exception was the card was used at a XXXX which i have been to which was near where the card was lost. Also the card was used to buy a XXXX XXXX pass, which i have also done. 
I am now have a negative balance because my claim was not properly investigated. Bank of America used lies to not pay my claim and any proper investigation would have showed that this was true fraud.
Consumer complaint received 2023-03-29
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. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

The escrow for property taxes was not included in my XX/XX/XXXX payment because I do not owe any taxes for the year XX/XX/XXXX-XX/XX/XXXX. They have already been paid by the State of California as the XXXX XXXX customer service people have been notified of multiple times. A fully paid receipt by XXXX County is attached.
Consumer complaint received 2023-06-21
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: CCF Intermediate Holdings LLC (CO)

On XX/XX/XXXX an unknown person attempted to sign up for various loans with my madien name. On my credit reports I had a hard inquiry from XXXX XXXX XXXX XXXX from this. I contacted the company and let them know about the fraud several times and disputed this with all credit buerueas. It has been removed from all except XXXX, where my credit score had dropped. I have contacted XXXX over 10 times and mailed in documents stating the fraud, along with my FTC identity theft report. This still showed on my credit so I called XXXX XXXX  again in XX/XX/XXXX and XX/XX/XXXX received an email from the company saying " We are in receipt of your recent claim of fraud regarding a credit inquiry by XXXX XXXX On XX/XX/XXXX, an application in your name was presented to XXXX XXXX ; however, no loans were underwritten in your name. The account has been updated to reflect your claim of fraud and future transactions on this profile would require a written request from you. 

Furthermore, given your claim of fraud, we have requested the credit inquiry initiated by the application submitted to XXXX XXXX be deleted from your credit report. Please note, it may take up to 90 days for the deletion request to be reflected on your credit report. '' As of today this still reports on my XXXX credit report.
Consumer complaint received 2022-08-27
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. (CA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX XXXX. EQUIFAX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX