davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST (CA)

I had a complaint with CFPB ID XXXX about Bank of the West. 
SUBMITTED XXXX PRODUCT Money transfer, virtual currency, or money service. 
Until now almost 3 months passed by already and I did not get any respond how the investigation from Bank of the West to resolve my case. I am very despair, hopeless and have financial difficulty in life now. 
Please help me to get over this burden in my XXXX and recovering the loss of the money. 
Thank you very much
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I refinanced my XX/XX/XXXX ARM on XX/XX/XXXX because I understood the rate would reset for the first time on XX/XX/XXXX. When Mr. Cooper refunded the payoff overage, I found it short by more than {$550.00}. I determined that Mr. Cooper had reset the ARM interest rate on XX/XX/XXXX, despite Mr. Cooper 's continually stating in documents and phone calls that a ) the rate would reset on XX/XX/XXXX, and b ) since the payoff statement ran from XX/XX/XXXX-XX/XX/XXXX the reset rate was shown but would be adjusted to 2.5 % until XX/XX/XXXX. My wife and I have requested this interest error to be refunded in phone calls and emails. Mr. Cooper has denied my request and has failed to respond to my wife 's last email. 

1. Nationstar Mortgage llc d/b/aMr. Cooper took over loan servicing of my XX/XX/XXXX ARM in XX/XX/XXXX. Every statement issued by Mr. Cooper from XX/XX/XXXX through XX/XX/XXXX prominently stated my interest rate of 2.5 % until XX/XX/XXXX. However, Mr. Cooper changed my rate to 4.875 % on XX/XX/XXXX. The reset date is clearly XX/XX/XXXX, or alternatively, these are 16 clear violations of Reg Z Sec 1026.41 ( d ) ( 7 ) ( iii ). 
2. Mr. Cooper failed to issue a statement in XX/XX/XXXX with a payment due date of XX/XX/XXXX. Instead, Mr. Cooper sent a statement dated XX/XX/XXXX with a payment due date of XX/XX/XXXX. This is a clear violation of Reg Z Sec 1026.41 ( 2 ) requiring monthly statements. 
3. Mr. Cooper failed to send an initial rate adjustment statement 210 days before either XX/XX/XXXX or XX/XX/XXXX. This is a clear violation of Reg Z Sec 1026.2 ( d ). 
4. Mr. Cooper 's statements of XX/XX/XXXX and XX/XX/XXXX state the interest rate of 4.879 % until XX/XX/XXXX. This again confirms theXX/XX/XXXX reset date was XX/XX/XXXX, or alternatively, are another 2 clear violations of Reg Z Sec 1026.41 ( d ) ( 7 ) ( iii ).
Consumer complaint received 2018-10-26
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 disputed the late payment status reported on the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payment. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2020-08-02
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. (SC)

Hey, I recently pulled my credit report on XXXX XXXX and noticed the Hard Inquires on my Credit Report was not of my doing. Already sent multiple letters out to XXXX, Equifax, and XXXX on the issue but got no responses.
Consumer complaint received 2022-07-18
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. (DE)

I Tried to obtain auto loans and my credit was shopped around without my consent, the same thing happend when I tried to apply for some credit cards also. I checked my credit and saw that I had 84 hard inquires that I didn't recognize. XX/XX/XXXX
Consumer complaint received 2023-03-29
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (GA)

The following inquiries on my report has violated my consumer rights to privacy and were conducted without my consent. 
1XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX. XX/XX/XXXX XXXX. XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX 15 U.S. Code 1681b violation furnishing reports in connection with credit transactions not initiated by the consumer. This is Identity Theft because these items were not initiated by me, I have no knowledge where they came from and I did not give consent for any of these accounts to check my credit.
Consumer complaint received 2023-03-28
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. (KY)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (AZ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

CAPITAL ONE BANK USA XXXX Balance : {$0.00}
Consumer complaint received 2018-12-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KEYCORP (NY)

This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!
Consumer complaint received 2023-03-28
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. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Farrell Holdings, LLC (WA)

I had a car loan with XXXX XXXX XXXX out of XXXX Utah. It was the worst loan I've ever had. They have robo callers call incessantly. The calls start 3 days BEFORE a payment is due and come in every 60-90 seconds all day. I did fall behind for medical reasons and worked with them to get caught up. I made every payment agreed on and paid my loan off. THEN they called and threatened to repo. They knew I was in the hospital for XXXX and specifically called and paid the pay off amount so I could relax for XXXX. I paid the amount they asked for even though it was {$650.00} higher than my records. They called while I was in recovery and demanded another {$510.00} and said they would take my XXXX right out of the hospital parking lot if I didn't pay. I paid the loan for 5 years. I paid the inflated payoff they requested. Then I paid their additional payoff demand while coming out of anesthesia. They are combative and abusive and threatening. I've had a CPA review my account and he agrees they overcharged me by both the {$650.00} and {$510.00}. Then they took nearly 60 days and 5 calls to release my title. I received a title they hadn't signed off on and then had to work through that with DMV. This company is a scam. They take extra money. They harass people with constant robo calls whether or not they have a payment due. AND they threatened to take the car back after the loan was paid off... until they got another extra payment. Seriously thieves! Please stop them!
Consumer complaint received 2018-12-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reese Law Group (CA)

Around XX/XX/XXXX i received a wage garnish notice at my job. in the amount of XXXX i was beside my self so i call the number for Reese Law Group to find out it was for a car that was repossed in XX/XX/XXXX. I told them why didnt you get ahold of me in XX/XX/XXXX. they said that they did with a court summons ( i never recieved ) so to make the story short i went to court in XX/XX/XXXX did not understand anything. i gave the lawyer for ( XXXX XXXX XXXX ) my pay stub for a year to show them that i can't pay {$500.00} a month. then i didn't hear from them until about 3 weeks ago now they want XXXX. my question is can a Law Group sit on a judgement for 9 years so it will collect interest then garnish my wages.

I don't think its right to do that to a single XXXX  year old woman that lived pay check to pay check. they say its all legall to do what they are doing to mr .
Consumer complaint received 2021-07-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: US MORTGAGE CORPORATION (OK)

US Mortgage violated several federal laws. XXXX XXXX, XXXX US Mortgage is in violation of 15 USC 1635 Right of rescission as to certain transactions. XXXX, XXXX is aware and has proof in attachment labeled as exhibit A that US Mortgage Corporation is in violation of 15 USC 1605 ( a ) ( c ). XXXX XXXX  is aware and has proof in attachment labelled as Exhibit B that US Mortgage Corporation is in violation of 15 USC 1605. * Fact, Affiant is aware and has proof in attachment labelled as Exhibit C that US Mortgage Corporation is failing to observe a law 12 USC 1431 b. XXXX, XXXX is aware and has proof in attachment labelled as Exhibit A, B & C that US Mortgage Corporation is in violation of 15 USC 1611 *US Mortgage Corporation willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 160 . Additionally, violated 18 USC 1341
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I rented a car with XXXX in XXXX, Oregon from XX/XX/XXXX to XX/XX/2020. I returned the car on XX/XX/XXXX, it checked out clean and I left with a XXXX  balance. I closed this card with Barclays bank ( Aviator Red Mastercard for XXXX XXXX ) on XX/XX/2020 with a XXXX balance. Then on XX/XX/2020, a charge from XXXX appeared for {$520.00} on this card. I had gotten nothing in writing or verbally from XXXX that there was any kind of an issue. When I noticed this charge in XXXX, Barclays removed it when I identified it as fraud. Then, in XXXX, they put the charge back on! They refuse to drop it and are adding late fees and interest. XXXX says it is for damages, but have provided no proof of any kind despite numerous requests from me. Barclays claims that XXXX provided them with a different car rental contract that terminated on XXXX XXXX. I purchased no such thing, as I was in Florida ( and live there full time ) in XXXX. If in fact they did find damages, the credit card I used with Barclays to rent the car has full damage protection and could have been used to cover the cost of repair. As it stands, I was not given the opportunity to use this service. I really REALLY need your help at this point. I am a XXXX year old single mom with a daughter I am trying to put through college. This is ruining my credit and neither company will help. I have written both of them via fax, mail, and email, and have called numerous times. I am getting nowhere. Please help!!!
Consumer complaint received 2021-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AZ)

I contacted National Credit Systems on XX/XX/XXXX offering to settle the account for {$2000.00}. I received a call back from the agent who is in charge of the account ( Mrs XXXX XXXX stating they can not accept that and will send me a verification letter within the 15 days it is now XX/XX/XXXX and they never sent any verification letter. This is part of what my letter stated The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt. 
Please forward your agreement to the address listed above.
Consumer complaint received 2018-12-27
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. (FL)

I have some accounts on my credit report that do not belong to me. 

- XXXX XXXX XXXX - {$650.00} - XXXX XXXX XXXX - {$640.00} My credit is reporting as much lower than what it should be due to these fraudulent accounts. I have tried to contact them over the phone but they just want me to pay them.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

Received a letter on XX/XX/XXXX from XXXX on behalf of XXXX XXXX XXXX stating I owed XXXX {$7100.00} I responded to that letter with a VERIFICATION OF DEBT. 

Verification of debt was never received nor was any other correspondence. 

Another letter was received over a year later on XX/XX/XXXX, from a new debt collector CONVERGENT OUTSOURCING INCXXXX requesting the same amount {$7100.00} I responded to that with a similar letter requesting to get DEBT VALIDATED. 

Today XX/XX/XXXX, I received another letter from CONVERGENT OUTSOURCING INC. requesting that I provide the following : 1. Complete affidavit 2. Copy of driver 's license 3. Police Report 4. Proof of Residence I refuse to provide any information to any debt collector until the debt has been validated and the proof is provided.
Consumer complaint received 2018-12-27
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. (FL)

I have some accounts on my credit report that do not belong to me. 

- XXXX XXXX XXXX - {$650.00} - XXXX XXXX XXXX - {$640.00} My credit is reporting as much lower than what it should be due to these fraudulent accounts. I have tried to contact them over the phone but they just want me to pay them.
Consumer complaint received 2023-03-26
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. (GA)

I am a natural person and have rights under 15 USC 1681. As a living human being, I would like to file a formal complaint against the consumer reporting agencies for violating my rights and the Fair Credit Reporting Act. The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I demand that they be deleted immediately. I did not provide permission for the consumer reporting agencies to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The consumer reporting agencies are governed by 15 USC 1681 and have violated my rights on several occasions. I have the right to privacy under 15 U.S.C 1681 section 602 A. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making a consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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.

I have identified multiple billing errors under 15 U.S. Code 1666 ( b ) billing error that the consumer reporting agencies have failed to address. These errors include the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor, as well as a computation
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (AL)

There was a Notice and Demand for Payment opened XX/XX/2014 to recoup the exact value of the illegally collected debt in the amount of {$900.00}. It is accepted that Puget sound Collections, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.
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. (AZ)

I am writing to " EXPERIAN '' to follow up on my recent request to have non-mailable addresses removed from my credit report. While I appreciate your prompt attention to my previous request, it seems there may have been a misunderstanding regarding the number of non-mailable addresses associated with my account. As well as to address the need for the deletion of an " Alias Duplicate '' as previously discussed and shown in the file uploaded.

In my initial communication, I explicitly requested the removal of " ALL '' non-mailable addresses, regardless of whether they are linked to an account. However, it appears that only one of the two non-mailable addresses was removed from my credit report. 

I kindly ask that you review my account once again and ensure that all non-mailable addresses are removed in accordance with my request. It is imperative for the accuracy and completeness of my credit report that this matter be addressed comprehensively. 

I appreciate your attention to this matter and look forward to your prompt resolution.