davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
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. (NY)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-10-10
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. (NC)

Under the fair credit act the following creditors have violated my rights. My rights are being violated by going against The US Code 1681 section 602 A. States I have the right to privacy. followed by violating US Code 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish a account without my written instructions. 

-Credit Acceptance Account number starting with XXXX -XXXX XXXXXXXX Account number starting in XXXX -XXXX XXXX XXXX Account number starting in XXXX -XXXX XXXX XXXX  Account number starting with XXXX I also would like to point out I have been Economically impacted by COVID19 and have had no mercy from the creditors once I brought the violations to their attention which has led me to file this complaint.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TN)

A derogatory mark from XXXX ( original creditor XXXX ) was removed from my account, then months later on XX/XX/2019 I discovered said negative credit item from I.C. System Inc. with the account number XXXXXXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As well as the account has a open date listed as XX/XX/2019 on XXXX but an open date of XX/XX/2019 on XXXX which is re-aging of the original account.
Consumer complaint received 2019-10-16
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: Resurgent Capital Services L.P. (AL)

The company LVNV Funding LLC is reporting a collection account to my XXXX and XXXX  credit reports. This account shows it is in the care of Resurgent Capital Services on my XXXX   credit report. It also lists an address associated with Resurgent Capital Services on both credit reports. It also has the wrong address zipcode because on one it has XXXX and the other as XXXX. 

I have disputed this account multiple times with XXXX and XXXX and each time it was verified as accurate and/or updated. I sent a certified letter to the address listed on my credit reports requesting validation which was received on XX/XX/XXXX and disputed the account on XX/XX/XXXX with the credit bureaus XXXX and XXXX the item was verified. I still had not received sufficient validation or any of the documentation I requested from LVNV Funding or Resurgent Capital Services so I contacted them on XX/XX/XXXX inquiring about them verifying information with the credit bureaus but failing to sending any validation for the alleged debt. The representative said validation had been sent on XX/XX/XXXX and I would receive it by the end of the week. Well once I received validation in the mail I see it was sent First Class Mail and stamped by the post office on XX/XX/XXXX. They ignored my request for validation and then rushed an account summary form Resurgent Capital Services and what seems to be a bank statement and did not include any of the other information I request for validation. 

The representative I spoke with on XX/XX/XXXX exact words were " Everything that you have requested in your letter we have sent you. We have sent you all the validation of debt that we can legally send you. So, again you will receive that. If you are not content with what we have sent you, you can request more information, but at this time we basically have sent you what we can in regards to your list and what we can send out legally. '' During this conversation the representative ( XXXX ) told me that a cease and desist was place on my account on XX/XX/XXXX and also stated this account was also purchased on XX/XX/XXXX. This is ludicrous since this cease and desist was added the same day this account was purchased and I had no knowledge of this account on this date.
Consumer complaint received 2019-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

I recently refinanced my mortgage through XXXX XXXX XXXX. Prior to a payment being made to XXXX, my loan was sold to Freedom Mortgage Company. Although this should have been a seamless process, as I did not request nor initiate the sale, it has not been. After the first payment was made to Freedom mortgage in the amount of {$3100.00}, I received a letter in the mail stating that an escrow analysis was performed on my escrow account and a shortage was unveiled in the amount of ~ {$800.00}. After further review with Freedom Mortgage, the shortage was associated with missing homeowners insurance information during the transfer of the loan from XXXX XXXX to Freedom Mortgage. As a result, there would be an increase in my mortgage payment to {$3200.00} to cover the lender paid insurance that Freedom Mortgage was to purchase on my behalf. However, I was assured by Freedom Mortgage, that if I was able to provide them with the missing information ( insurance binder showing an active policy as well as proof of payment for the yearly premium ), my monthly payment would not increase to reflect the lender paid homeowners insurance. 

Following the guidance provided, I uploaded the required documents on XX/XX/19 and again on XX/XX/19 to XXXX XXXX XXXX using the PIN provided by Freedom Mortgage. I then requested a new escrow analysis to be performed on my escrow account to now include the following : A copy of the cleared check paid from XXXX XXXX XXXX directly to XXXX XXXX for the full amount of my annual homeowners insurance premium A copy of the XXXX XXXX XXXX binder showing my active insurance policy. 

Despite providing the requested information, my monthly loan payment was still increased to the {$3200.00} amount. I spoke with Freedom Mortgages escrow department on XX/XX/19 to obtain the status of my new escrow analysis request and to my shock, my request had been denied! Given that the only reason for the increase was due to my missing insurance information and that information and proof of payment has now been provided, as well as over {$6000.00} was disbursed into the escrow/paid to the insurance company at the sale of the loan. Therefore, I am baffled as to the reason why I am not being afforded the opportunity to have a new analysis of my escrow account. 

Attached to this submission, you will find : The final closing documents from XXXX XXXX ( Refi closed on XX/XX/19 and loan was sold to Freedom Mortgage XX/XX/2019 ) The original escrow analysis performed by Freedom Mortgage Mortgage statements Cleared check - Insurance premium payment to XXXX XXXX from XXXX XXXX County Taxes for the property Insurance Binder
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (OR)

On the XXXX of XX/XX/2022, I received a check for 1 month of work from a man whose house I cleaned. The check was {$960.00} which I thought was a strange amount but disregarded the leary feeling because my boyfriend had also done outside work for him. 

I mobile deposited the check and instantly got {$250.00}. I used that money to pay on my credit cards and get some gas. Navy Federal held the remaining funds for I believe 5 days. I've never had my funds held for more than one day, even over the weekend. Then again, I had never accepted a personal check from anyone other than my grandmother. When I deposited the check in my account on the XXXX my checking was overdrawn by - {$100.00}. XXXX XX/XX/2022 my checking account was at + {$180.00} and my savings account had {$200.00}. 

You can imagine my horror when I logged into my account and had adjustments which brought my checking account to - {$780.00}. I talked to two ladies at Navy Federal. They said all I could do was continue to attempt to contact the guy because his account was now closed. I've called and called, I've gone to the house, and it's now empty. The Navy Federal lady said that my account would be eligible to close by XXXX XX/XX/2022 which was about 6 weeks away by then. Having had this credit union for 6 years now and maintaining a 100 % payment history I was extremely worried about losing my oldest account. I agreed to try and make as many payments on it as possible while being unemployed. She told me she would make note of that so that I wasn't harassed by phone calls from Navy Fed. They didn't call again after that whatsoever. I didn't receive an email or anything. I checked my account on XX/XX/XXXX and no longer had my checking account, instead, I now have a combined savings/checking account. I can not get a new checking until I pay off the debt that they took away. The same day this happened I got a {$600.00} payment from the state of Oregon. I knew that payment was coming and had planned on putting the entire amount towards my overdrawn account. Now I don't even have the option to pay towards a positive balance and I can only send money to another Navy Fed account holder The {$200.00} from savings brought my checking to - {$430.00} but not until Navy Federal closed my account without as much as an email. I wasn't alerted in any way that this was going to happen and just now discovered that I owe closer to {$400.00} than the {$700.00} I had thought. I was under the impression that since I had been making payments my account would still be considered in good standing. I'm disappointed with the lack of communication. Navy Fed has always been very good to me but now I'm second-guessing my membership.
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: GOLDMAN SACHS BANK USA (WA)

I tried to use Marcus savings account to pay my rent. It was processed for the first month. And by the second month, they froze my account without informing me which cost me {$68.00} fine. After I unfroze the account by XXXX, I tried to call Marcus and try to transfer {$4500.00} to my other checking account 4 times, by calling the customer services, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every time, the transaction was disputed with no notification. Every time I call, they come up with new reasons why my transaction was disputed. It was either " we can't confirm your original checking account was closed '' or " we can't verify your new checking account exist ''. And every " specialist '' have setup phone calls with external checking account 's bank to confirm, and they still ask me the same question over and over, and DISPUTE my transaction right after. 

I also tried to setup a monthly transfer from Marcus to the external account, when the customer service lady repeated my requirements, she said " transfer FROM external account TO Marcus account '', after correcting her she still made it wrong way and it ended up wire money out of my external account. I tried to call and dispute that transaction, and I was told I need to wait for 7-10 business days for it to work. During this long time, I can't wire money out while it takes this little time to wire money in? And dispute takes that lone time to take place?? 

They are purposely preventing me from using my own money. I have waited lone enough. I need to get it fixed right now.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1500.00}. Please delete these accounts ASAP.
Consumer complaint received 2023-07-06
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. (NY)

Dear CFPB, I am writing to submit a complaint against [ Company Name ] regarding an issue I encountered with their services. Below, I provide a detailed account of what transpired : On [ Date ], I entered into a contract with [ Company Name ] to purchase [ Product/Service ]. As per the agreed terms, I made a payment of [ Amount ] on [ Date ] through [ Payment Method ]. However, despite fulfilling my obligations, I have encountered several problems : 1. Delivery Delay : The company failed to deliver the product within the promised timeframe of [ Timeframe ]. This delay has caused inconvenience and frustration, as I had made plans based on the expected delivery date. 
2. Product Defects : Upon finally receiving the product on [ Date ], I discovered several defects. [ Describe the specific defects or issues you encountered with the product ]. These defects render the product unusable and fall significantly short of the quality and functionality promised by [ Company Name ]. 
3. Lack of Customer Support : When I contacted their customer support on [ Date ], I experienced extreme difficulty in reaching a representative. The phone lines were consistently busy, and my emails went unanswered for [ Number of Days ]. This lack of responsiveness has added to my frustration and has hindered my ability to resolve these issues in a timely manner.

I have attempted to resolve these matters directly with [ Company Name ] by contacting their customer service department on multiple occasions. However, my attempts have been unsuccessful, and the company has not taken appropriate steps to address my concerns.

I kindly request that the CFPB intervenes in this matter and communicates my grievances to [ Company Name ]. I seek a resolution that includes : 1. Full refund of the purchase amount of [ Amount ]. 
2. Timely replacement of the defective product with a fully functional one. 
3. Improved customer service and responsiveness from [ Company Name ] in order to address future consumer concerns efficiently. 

Attached to this complaint, please find copies of relevant documents, such as receipts, correspondence, and any other evidence supporting my claim. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled my consumer report and noticed there are names, addresses, and inquiries that I do not recognize that leads me to believe I'm exposed to identity theft. I did not consent to this information being added to my consumer report. In Accordance with the FCRA : 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (PA)

good evening. this complaint is in reference to the XXXX XXXXXXXX XXXX account shown on my credit report at EXPERIAN and XXXX. the vehicle that was financed with XXXX XXXX XXXX was repossessed in or around XX/XX/2017 in XXXX nj. After i found this account on my credit file i did some research on the vehicles VIN number and found out the vehicle was sold at auction in or around XX/XX/2017. I was unaware of this because i never received any correspondence regarding the vehicle after its repossession by XXXX XXXX XXXX. It is to my knowledge that new jersey state law and UCC codes state that a finance company SHALL follow certain distinct procedures after the repossession of a vehicle and if these procedures are not followed the deficiency ( repossession ) can not be claimed therefore can not be on my credit profile. new jersey state law and UCC codes state that after a vehicle is repossesed several different notices are to be mailed to the consumer regarding how to redeem the vehicle back, when and where the auction will take place, and if auction of the vehicle takes place, the amount the vehicle was sold for and if there was any surplus amount. this information helps the consumer verify if the amount owed is in fact accurate and correct. i NEVER received any of these notices. these notices must have also been sent within very specific time frames after the repossession again i never received these notices. the finance company shall also be able to provide proof that these notices were sent to the consumer. i have disputed this account with EXPERIAN and XXXX for XXXX percent accuracy regarding the balance and other aspects of this account and ALSO i have requested proof of these notices required by new jersey state law and its UCC codes in order to claim the defiecency. To date my request was not fullfilled and EXPERIAN and XXXX simply updated my account as accurate. i simply exercised my rights under section 609 to have the information provided to me about the account listed on my file and it was not met as well as if the account is unverifiable it must be removed from my file. not to mention how can this account have been verified at all when the information between EXPERIAN and XXXX does not even match! how can they possibly have verified this account as accurate and the information does match? they both can not be right. there are so many issues with this account i would like to request its removal this is highly stressful to me that the credit bureaus are in violation in these aspects!
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (AZ)

I filed Bankruptcy in XX/XX/2019 but changed my mind and the case was dismissed. Affirm still lists the status on my account as " Debt discharged in bankruptcy '' - I filed a dispute with XX/XX/XXXXand Affirm stated the status was correct. I spent almost an hour trying to pay off the remaining amount with Affirm and at the end of the call they stated that I was in Bankruptcy and would not accept a payment. This is getting ridiculous.