davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I opened a Kohls store card and they made it seem like it was very easy without explaining much information. I applied after making a purchase and they said all I had to do was sign a form and for me to answer a few questions in the terminal, I was then approved and I went on to make purchases and didn't have much credit knowledge so I used my card for a few things and then I lost my job and had trouble paying it off because of me being unemployed.
Consumer complaint received 2021-05-25
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: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs XXXX Account XXXX XXXX .... continues to appears on my credit report after I have provided the Credit reporting company ( XXXX ) thst this particular account is fraud and not mine. I've submitted police reports stating the error and I've threaten them with a lawsuit and its still showing as verified account. I've also sent this information to Goldman Sachs as well. They have NEVER investigated the issue after showing proof. I'm not sure why I keep getting letters that are threaten intent. These tactics are illegal and these companies are getting away with it. I want this to STOP> I need to request this old account to be removed from my credit file immediately before I approach the social media and new outlets as I'm being taken advantage because I'm a person of XXXX. 

I will claim XXXX discrimanation in a lawsuit. Thank you l!
Consumer complaint received 2019-08-18
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: Experian Information Solutions Inc. (CA)

Experian conducted an investigation into items listed on my credit report which I disputed in the month of XX/XX/2019. The investigation was completed according to paper work on XX/XX/2019 (see file# XXXX). In the investigation results it shows items listed below: [XXXX XXXX  - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXXl - XXXX - Verified as belonging to me]I have contacted each one of these companies for verifiable data which neither has been able to supply to me and I've asked Experian to complete a fair and thorough investigation into the matter and they have provided me with bogus results stating everything is verified. I then sent a Method of Verification letter on XX/XX/2019 which was CONFIRMED received on XX/XX/2019 to Experian exercising my rights under FCRA 611(a)(6)(B(iii) to provide me with proof they completed a thorough investigation properly and not via XXXX system and requested them to provide me with the description of the procedure used to determine the accuracy and completeness of the information. Name, Address, and telephone number of each person contacted regarding these alleged accounts. Finally, any documentation provided bearing my signature, showing I had a legally binding contractual obligation to pay them and exact amount claimed. As a result, I haven't received anything regarding my request which is against my FCRA rights. I have attached all documentation backing up my claim for your review CFPB.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc. (CO)

NCTUE sent me a scammy letter claiming their proprietary credit report contains negative information. The agency has a terrible website and is completely unusable for finding the negative information. Calling the number results in an automated system asking for PII with no assurances of data handling.
Consumer complaint received 2021-12-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (TX)

I have tried to dispute this information. I have asked for documents and procedures used to prove that this debt belongs to me. As a consumer I do not owe any debt. The reporting of this account is hurting my credit score. this violates 15 USC 1681G, UCC 9-611-613. Please have this account removed.
Consumer complaint received 2020-06-04
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: Early Warning Services, LLC (VA)

Someone used my identity to open up the following accounts, and I never had these accounts. Because of this, my Early Warning Services and XXXX XXXX has a bad score for me. 

I never had : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (GA)

loan was sold by XXXX to Freedom Mortgage XX/XX/XXXX. At the time I was in the process of Bankruptcy ( XXXX ) XXXX transferred my escrow balance to Freedom mortgage. XXXX  file a claim with the trustee for an escrow shortage. There as not a shortage. The property taxes we anticipated to be XXXX when the bill came out in XX/XX/XXXX. However, exemptions were file with my county and the taxes are now XXXX. Freedom Mortgage paid the taxes XX/XX/XXXX in the amount of XXXX but never went back and release the claim and issue a refund. Then Freedom mortgage file a claim for the insurance XXXX was XXXX but increase to XXXX. Keep in mind there was still and overage in the escrow account. Current XXXX XXXX which is correct and covers the XXXX shortgage. However they are collecting XXXX for a non exsisting escrow shortgage from the XXXX trustee since XX/XX/XXXX which Iam also paying in the monthly mortgage payment. Therefore Freedom mortgage will only say the money is for the XXXX shortgage and no mention of the tax money ( overage ) they will not address. 
Freedom owes me {$2000.00} plus XXXX. I have been sending email and calling Freedom but they will on again address the current claim for the hazard ( all invaild ) I have also emailed my XXXX attorney XXXX XXXX with XXXX XXXX XXXX ( XXXX ) She only says for months they are waiting to hear from Freedom.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Advantage LNS Inc. (TX)

Debt was discharged via XXXX  XXXX bankruptcy on XX/XX/2022. 
Collector was notified via bankruptcy court at the inception of filing. 
Collector refused to update status of debt during bankruptcy proceedings.

Collector continued to collect on debt which violate FDCPA laws.

Collector stated debt status as valid although they were made aware of bankruptcy status during and after discharge.

Debt has now been discharged due to bankruptcy and debt is still be validated as owed and in open status ; although I have performed
numerous direct disputes through XXXX and XXXX. Debtor has been provided bankruptcy information and it is also public record for anyone to view and pull.
Consumer complaint received 2022-04-27
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 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 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/2019, I discovered that Capital One Bank had closed my account and reported me as "deceased" to credit monitoring agencies. I have told Capital One Bank that I am alive and well.  I have filed disputes on the report from Capital One Bank with XXXX, XXXX, and XXXX. At this point I have great concern that Social Security thinks I'm dead as well and that I may not get my scheduled benefits. I am unable to log in to my Social Security account online, so will try again on Monday to contact them. At first I thought this rather humorous, but if I have problems with Social Security benefits it won't be funny at all. I suspect that this has happened as a result of the massive data breach that occurred at Capital One Bank.
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MN)

Between XX/XX/2022 and XX/XX/2022, I fell victim to a multi-layered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX which were transferred from my wallet
Consumer complaint received 2021-12-03
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)

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Also, accounts are already deleted from the other bureaus therefore they MUST remove the accounts immediately. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX )
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Report : XXXX****-Balance {$240.00}
Consumer complaint received 2022-11-16
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. (DE)

According to the law 15 U.S.C 1681 ( i ) & 15 U.S.C 1681 ( b ) & the Gramm-Leach-Bliley Act, I XXXX XXXX, did not given my written consent to furnish this data on my credit report. 

The following Inquiries are in violation of the FCRA and FDCPA. 


XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX  Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-04-27
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 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 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (NY)

I opened an account with Gemini trading app and bought a digital currency trough their app. They even took the money out of my bank account. And after taking the money out of my bank account, they just desactivated my account for no reason. I emailed them several times but no answer and I cant widraw my money either. I have {$1000.00} in the account.
Consumer complaint received 2023-03-30
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. (PA)

These accounts/purchases are fraud and need to be removed from my report immediately. I am a victim of identity theft. These accounts listed in the affidavit were not charged by me. I've also provided the FTC affidavit in regards to these accounts. Please remove them as soon as possible as it is causing me serious harm and inconvenience as a consumer.
Consumer complaint received 2022-10-11
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NY)

Struggling to pay mortgage, loosing my home to foreclosure. Had this arrangement with OCWEN property foreclosure which OCWEN now denies. Believe should of received compensation as per OCWEN. OCWEN send me an eligible application, when I submitted it they denied me. See documents attached
Consumer complaint received 2019-08-16
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. (CO)

XXXX XXXX is reporting incorrectly to XXXX ; Experian and XXXX the verbiage on the XXXX XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) The current explanation is as follows : XXXX XXXX Account Foreclosure, etc. This language is inaccurate. This account was sold, NOT foreclosed. It is extremely important that the language being conveyed is accurate. This incorrect reporting is harming my credit score and I respectfully request that this language be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2021-12-03
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: Experian Information Solutions Inc. (MI)

I am a XXXX XXXX so I don't have time to keep filing all these reports but I am a victim of identity theft because my information was exposed from XXXX XXXX. I have listed the items in the letter that I do not recogonize on the attached copy of the report I had to fill out on the Federal Trade Commission website. The items I am disputing do not relate to any transactions that I have made or authorized. As required by section XXXX of the Fair Credit Reporting Act, XXXX XXXX, requires you to delete/block this fraudulent information on my credit report resulting from identity theft within XXXX business days.
Consumer complaint received 2021-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (WA)

I received a pre-screened offer from Big Picture Loans, a tribally owned loan company ; XXXX. I applied online but got to the terms and was confused as I had never seen terms explained in the wording they used. 

" Loan amount : {$750.00} Loan rate : 550 % Term : 6 months. '' They did not state APR, so I called to see what " loan term '' meant before I pressed continue. I was told that 550 % IS the APR! I was absolutely appalled. XXXX told me on the phone, a loan of {$750.00} at {$160.00} for 13 payments. That equals {$2100.00}! For {$750.00}!? I have never heard of an apr higher than 29.9 % for people with horrible credit. Now I understand that they are their own government and the regulations do not apply to them, but this is robbery. Something needs to be done about the way they are conducting business.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX {$0.00} XXXX {$14000.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (FL)

Loan Number : XXXX Union Home Mortgage took over the servicing of my mortgage effective XX/XX/XXXX. The company is negligent in paying the homeowners insurance that is due. I attempted to reach out to the useless servicing email at the company and the reply was that the next payment for XXXX XXXX will be in XX/XX/XXXX. 

Proof attached shows that the XXXX XXXX XXXX XXXX is DUE on XX/XX/XXXX for a total amount of : {$1400.00}, also, attached is proof that Union Home Mortgage was mailed the declaration pages.
Consumer complaint received 2019-08-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IA)

I have tried tor to resolve my issue of a loan modification with Bayview Loan Servicing several times. I have resently filed a complaint against them for not allowing me to have modification do to an issue with my employement during the last one that made it impossible to make the third , and last payment on time for my last modification. I gave them evidence of the change in income, and job that caused this, and it was not excepted, even though I did try to make the last payment only two days after their cut-off date . In their last denial, they gave me the option to file for another loan mondification along with sort sale , and deed in-lew of foreclosure. I submitted a new loan modification application on XX/XX/2019, requesting new consideration. I Am doing this new application even though it has been over a year since the old approval , to which they have denied my because I an still the year due to when the trial months fell, not the approval itself. I want to ensure that I will be given fair consideration , and not rail-roaded into losing my home.