davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital one has violated my rights to privacy regarding XXXX 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-05-19
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. (MS)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update these account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NC)

I have an inquiry with discover on my XXXX report. I have disputed with XXXX and called discover and confirmed I don't have record of an inquiry in XXXX XXXXStill no one has took the next step to get this hard inquiry off of my report.
Consumer complaint received 2021-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

In XX/XX/2021, I discovered quite a bit of charges made to my account which caused for me to dispute certain items. I contacted my bank and filed a complaint with CFPB. While this investigation was taking place I had very little activity on my account. After the complaint was closed I locked my card so that I could have very limited activity on my account until I was able to review my account again. Recently, I have to come to discover my bank account continues to grow into a large negative balance. So on XX/XX/2021 at XXXX XXXX  I contacted Bank of the West to inquire about fees on my account when I have not used the account. There were two  recent charges to my account in which I explained that I cancelled membership on this account way back in XX/XX/2021 and was unaware of these charges. Advised representative about noticing deposits on my account and on or after the deposit I keep getting charged fees which ultimately are resulting in my account being charged fees on top of fees. Representative stated she was unable to see what item or transaction the fee was for but it was for something. I asked to have someone call me and go over account with me and she stated that I needed to go into a branch to discuss my account. Advised the nearest branch is over 60 miles away and that was the only option I had. Disputed those charges AGAIN on Bank of the West account. Contacted CFPB to investigate my fees AFTER deposits.
Consumer complaint received 2022-05-19
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 — Problem with personal statement of dispute
Company: Army and Air Force Exchange Service (HI)

My name is XXXX XXXX and I have a collection on all XXXX credit bureaus. The debt has been paid in full and the company will not delete it off my report. This is unfair and something needs to be done.
Consumer complaint received 2022-05-19
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. (MS)

I HAVE DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2022-05-19
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. (MS)

I HAVE DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2022-05-19
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. (MS)

I HAVE DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2022-05-19
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. (MS)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2022-05-19
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. (MS)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2023-09-04
Product: Credit reporting 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: RMS-Recovery Management Services, Inc. (GA)

Potential fraud n identity theft from university, while using these loans n me never being enrolled, but the XXXX  semester of XXXX, and Thats all. Wow. Pls look.
Consumer complaint received 2022-05-19
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. (MS)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX  XXXX XXXX  XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}
Consumer complaint received 2022-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (OH)

In XXXX of 2021, we were approved to borrow {$23000.00} from Enerbank. As the work was completed on the house, the funds were given to the XXXX. My outstanding balance today is {$23000.00}. I have made payments totally {$1600.00} and I began making payments before any payment was actually due. They took all of that for interest, The last payment I made in XXXX, for example, {$340.00} was due - I paid {$400.00} and {$32.00} was taken from my principle. How can that happen? At the bare minimum, shouldn't any extra that I pay go toward the principle? Of my {$1600.00}, {$110.00} has gone to my actual loan. 

I just think that something shady is going on. I did call twice, she said that it's {$9.00} per day interest. That's fine but where did my {$1600.00} go?
Consumer complaint received 2019-07-29
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: BARCLAYS BANK DELAWARE (AZ)

On XX/XX/XXXX I have 2 hard inquiry hits on the same date from the same company. 

Company showing as : XXXX XXXX XXXX SD XXXX XXXX There showed only be one on that date and not 2. So this is impacting me and I never knew this whole time. 

Also, for : Company : Brclysbankde XXXX DE XXXX XXXX There is a hard hit on two dates : XX/XX/XXXXXXXX  XXXX  XXXX XXXX I was wondering how I can get these dropped off or at least one in good will and a good faith courtesy by chance? 

And also there is 2 for XXXX XXXX on : XXXX XXXX XXXX XXXX, CO XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Both 1 day apart for some reason. And is there anyway that one of these can be dropped as there's 2 for some reason within 24 hours apart that is also impacting me. 

I am trying to better my credit and I didn't ever look at my hard inquires. Everything on my credit is correct. But I don't find it fair to have this XXXX to have done 2 hard credit checks on the same day XX/XX/XXXX. 

And for some reason XXXX XXXX has 2 one day apart from each other. 

I am requesting this to be taken into consideration along with the Barclay if they can do anything in good faith and in good intentions.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I asked for a payment extension for the month of XXXX XXXX XXXX XXXX XXXX  I was granted a approval the resp stated to me I was fine no late payment will be placed on my account because its the XXXX day and she will put a note on the account.I received a message from my credit monitoring service that it was a late payment pending to come on my account for capital one auto for XXXX.i immediately called.how can you report me late if I was approved for the extension for XXXX and the rep stated because it took 24 hours to process iit. I stated to him but I should not have a late payment on my account thats the other point of getting an extension. I cant afford to have that on my report
Consumer complaint received 2022-10-13
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. (AL)

I have been a victim of fraud pursuant to 15 usc 1601 and 15 usc 1692. I have been misrepresented in matters stemming to damages from XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX ; XXXX, Michigan XXXX they have placed an unauthorized inquiry on my Equifax credit report I would like them to contact the bureau to have it removed effectively immediately and cease communications on behalf because they do not have permission nor have they ever and as for XXXX XXXX  Delaware the same federal law is applicable as well as the instructions to remove the inquiry with the credit bureau and cease communications on my behalf their mailing address is XXXX XXXX XXXX XXXX, DE XXXX.
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (CA)

2017 I was victim of identity theft fraud. I solved the issue with police report around 2017 but again this company XXXX is contacting me for this issue and I got a second police report and now the are requesting to file a FTC complaint. 

Thanks
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MO)

We requested to have PMI removed from our loan with PennyMac on XX/XX/XXXX. The value of our home has appreciated well beyond the 75 % percent LTV they require. They declined my original request. I submitted a second and third request in XX/XX/XXXX. In order to have PMI deleted, we had to pay a one time {$150.00} fee in XX/XX/XXXX to have a broker opinion appraisal completed. The Broker, XXXX XXXX, who was hired by PennyMac, returned an amount that was 78 % LTV amount which didn't qualify to remove our PMI. On their own documents, the lowest comparable home was {$10000.00} higher than the amount they appraised my home. I had obtained other appraisals and am now refinancing to an apprased amount that is {$55000.00} higher than the amount from the PennyMac appraisal. Pennymac purposefully valued our home lower in order to decline removing the PMI fee from our loan. I obtained multiple broker 's opinions and an appraisal to refinance and all of the appraisals/opinions were on average {$50000.00} higher than the BPO obtained by PennyMac. This is criminal behavior in attempt to keep their customers paying them monthly fees. They made every attempt to misrepresent the value of my home to continue charging me a fee for PMI.
Consumer complaint received 2021-07-23
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. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2022-05-19
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action 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. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX
Consumer complaint received 2022-05-19
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action 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. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX
Consumer complaint received 2022-05-19
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. (AL)

In accordance with the Fair Credit Reporting act, XXXX 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 a account without my written instructions
Consumer complaint received 2022-05-19
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. (AL)

In accordance with the Fair Credit Reporting act, XXXX 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 a account without my written instructions
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC. (GA)

I was current at the time of Hurricane Irma which we were declared on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX ( previous servicer ) put us on a 6 month FEMA disaster forbearance ( I am including a copy of the agreement ). At the end of the forbearance XXXX put us on another 6 month FEMA disaster forbearance starting on XXXX, XXXX ( a copy of the agreement is included ). This was granted because our damage wasnt significant enough to meet the deductible of the insurance to make a claim. The insurance company raised the deductible due to the hurricane to 5 % of the total value of the home instead of the {$1000.00} normal deductible. The deductible was then {$7000.00} so the forbearance was our only means of assistance to pay for the recovery. At that time we had a XXXX XXXX loan who promised to do a streamline disaster modification at the end. 
Then on XX/XX/XXXX we were hit by Hurricane Michael. XXXX was trying to find out from XXXX XXXX whether to do another forbearance or go ahead and do the modification. Because this was a complex issue with the second disaster they were waiting on XXXX XXXX for the guidance on what to do. 
On XX/XX/XXXX we received notice of a service transfer to XXXX finance so we were told the wait until we arrived at the new servicer to do the next forbearance or modification. 
Then on XX/XX/XXXX we received notice we would be transferred to Kondour capital starting XX/XX/XXXX who has refused to honor the previous commitments and agreements made by the previous servicer. 
We have sent them copies of the agreements and begged them for help but so far they have refused.
Consumer complaint received 2022-05-19
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: Santander Consumer USA Holdings Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666A & 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before payment due date.