davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Under the Federal Law, Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed accounts reporting erroneous information on my Credit File as per consumer 's requests. I previously ordered a copy of my Credit report and I found out that credit reporting agencies still indicate my dispute of acounts and information in my credit report. As of todays date, the Credit reporting Agencies has not responded to my dispute letters. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, however more than 2 months have passed and the Credit Bureaus have failed to respond to my Dispute letters. Please check payment history, date open, last activity and Status of the following accounts as I believe these accounts are reporting erroneous information causing negative impact on my Credit File : 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 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CBC Companies, Inc. (CA)

I have placed a permanent credit card offers optout on all three credit agencies on XXXX on websiteoutoutpreescreen.com with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks from XXXX XXXX XXXX XXXX credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: DigniFi (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2022-10-18
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. (MO)

I am appalled by the ability of the Credit Reporting Agencies to comply to a simple requests in accordance with the Fair Credit reporting act section 605b. The Credit Reporting Agencies have been ignoring my requests sent via dispute letters and CFPB Complaints to immediately remove the disputed accounts and information completely from my Credit File. I have read that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft in accordance with the Fair Credit Reporting Act section 605b. I believe I am a victim of identity theft and that the accounts and information I have been disputing resulted due to identity theft. I have sent a dispute letter addressed to the Credit Reporting Agencies last XX/XX/2022, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, no matter how I try to dispute my Credit Report, the Credit Bureaus have been constantly paying no attention to my disputes and requests. I am submitting this CFPB complaint to request to the Credit Bureaus once more, to remove the following items completely from my Credit File : 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
Consumer complaint received 2022-10-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

I am victim of identity theft - corporate card was taken out in my name with my SSN, address, and BD. Card was XXXX XXXX credit card. {$24000.00} was charged at XXXX XXXX on XXXX, MO on XXXX Individual paid on fraudulent cad in person and items were delivered to a storage facility in XXXX XXXX, MO. XXXX at XXXX XXXX in XXXX, MO, closed the fraudulent corporate account immediately and filed police report. I filed my own police report on XXXX. I have placed a freeze on my account with all 3 credit bureaus and a fraud alert on XXXX. 

Hard inquiries are still showing up on my account with Equifax. I have tried multiple times to contact XXXXXXXX XXXX regarding disputing these inquiries and have had no luck getting ahold of them. 
XXXX, called XXXX XXXX XXXX XXXX XXXX, held for 20 minutes before disconnecting call XXXX, called XXXX XXXX XXXX XXXX XXXX XXXX held for 20 minutes before disconnecting call, and then called XXXX. Spoke to someone ( didn't get name ) who told me to call XXXX. 
XXXX, called XXXX XXXXXXXX XXXX, XXXX, spoke to XXXX. He was able to locate the application and transferred me to another team and call was disconnected. 
XXXX, called XXXXXXXX XXXX, XXXX, held for 20 minutes before disconnecting the call. 
XXXX, called XXXXXXXX XXXX XXXX, held for 20 minutes before disconnecting call. 

The 2 hard inquiries I am requesting to be removed are : XXXX XXXX XXXX XXXX XX/XX/22 inquiry, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XX/XX/22 inquiry, XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (AR)

Hello, Today I am filing a complaint on Procollect of XXXX, Texas. The reason in being is because I received a letter from Procollect on XX/XX/XXXX saying I owed a amount of {$11000.00} due to a collection that was said I owed from a old apartment complex I lived at. When calling the collection company, I immediately told them that this debt was not mine and that this was dismissed in the court of law. Upon telling that to Senior Collection Agent XXXX XXXX of Procollect, I experience the most absurd, disrespectful, rude, belittling customer service I have ever experienced. Upon informing him that this debt had been settled he then yelled at me and accused me of being difficult. When I asked to speak to another agent he said that I would, get him every single time, and that he would falsely notate my account saying I was yelling and being rude. He also hung up on me several times. I was also told that I had until XX/XX/XXXX to file a dispute against this collection, however this collection was reported to my credit report and my father/guarantors credit report on XX/XX/XXXX. When I called to gather more information be aggressively asked me, Why do you keep calling being annoying? I then told him that I would file my dispute and would no longer contact them or their client and would like all contact to be stopped between all parties. 

Every customer service agent I spoke to was very dismissive, condescending, and rude. I only wanted to inform them that this debt was dismissed in the court of law and that no judgment had been found against me to pay this, so I dont owe it and to removed it from my credit report. I truly ask that this complaint finds someone who can stop this from happening to anyone else. This debt collector is illegally filing things to my credit report and I am asking that they be investigated and for this collection to be removed from my credit report until further notice. This company has many complaints filed for the same action they took against me and this needs to be stopped.
Consumer complaint received 2022-10-18
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. (MD)

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Owed : {$1000.00} ; XXXX  XX/XX/2022
Consumer complaint received 2022-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AZ)

I've been on IDR through Navient for my FFELP loan from the University XXXX XXXX. I want to know when XXXXXXXX XXXX IBR payment plan will be paid off. When I update my income, it keeps extending my payoff date another year. Every time I call Navient, I get different answers. I'm afraid to consolidate loans as I don't want to start the loan process all over. Very discouraging. I never talk to the same person at Navient ; I consider myself lucky if I can even understand the person on the other line of the phone. Student loan has been a never-ending nightmare
Consumer complaint received 2022-03-08
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. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GATEWAY FIRST BANK (FL)

I, as consumer, having first hand knowledge, beneficiary employing the Full Faith and Credit STATE OF FLORIDA non-citizen XXXX person as authorized representative extended credit to Gateway as assignee for a consumer credit transaction and permitted Gateway to obtain a consumer report without complete disclosure 31 CFR 1.32 ( c ). 
Gateway breached trust in infringing copyright in my property and furnished fraudulent reports in misrepresentation of finance charges and balances and using my personal information for profit without my authority as an ultra vires act via deceptive misdescriptions. 
No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness. see Florida Statute 540.08. 

GATEWAY refuses produce evidence of consent or by what authority requires disclosure without consumer consent. see 31 CFR 1.32 ( c ). 

Identity theft means a fraud committed using the identifying information of another person without authority. 12 CFR 1022.3 ( h ). 

Gateway has made false statements alleging ultra vires claim to publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person. 

Gateway has refused to comply with my cease and desist demands. 

Gateway has been notified and continues to harass me with communications and refuses to respond to written disputes for disclosures in compliance for the Fair Credit Billing Act, Truth in Lending Act disclosures demanded that were withheld regarding the finance charge and the amount financed. 

Gateway refuses to disclose documentary material disclosing federal or respond to communications delivered in writing, proceeds held on behalf of obligor, fund approved and acquired on behalf of consumer. 

Gateways negligence has been very distressing and has put a strain on my personal life in dispute with Consumer reporting agencies. 

Gateway has threatened foreclosure alleging default as obscene language to disgrace the consumer despite demand for validation of debt compliance to Fair Debt Collection Practices Act. 

We anticipate Gateway will in good faith with clean hands address the claim brought forth.
Consumer complaint received 2022-08-03
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account Name : XXXX  Account # XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : Acct 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 2022-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HFS Financial LLC (SC)

On XX/XX/2022, i applied for a loan with HFS financial in the amount of XXXX provided the requested documents. ( i had already obtained a loan with them previously, and it was virtually seamless ) .on XX/XX/2022 i received an email stating i was conditionally approved and that the process was starting.XXXX XXXX XXXX i received an email to retake my drivers lic. pic over and submit, i did.XXXX XXXX XXXX i resubmitted a voided check to the account for the direct deposit of the loan.on XX/XX/2022 i got a call from XXXX XXXX XXXX XXXX XXXX XXXX, stating the loan was approved for XXXX and they needed to ask me security questions.after the interview she stated everything was good and that i would get the documents to sign.when the email came i could not open the document to sign.i called the credit union and HFS they stated that it would be fixed.they attempted to send the documents three times that day i could not open to sign.XXXX XXXX XXXX i got an email stating the loan was approved and to look for the documents to sign again.the documents then arrived to sign again i could not open it.i called HFS, the credit union and the docusign support.after going back and forth all day i was then told that the loan consultant at HFS changed the loan to two loans in the amount of XXXX each.i did not request this and this action caused a glitch in the system to look like i applied for three seperate loans.i then got and email at the end of business day that the loan was now denied.no explanation from anyone.on XXXX XXXX, i heard from no one and called the credit union who stated that it was on HFS end due to the multiple loan attemts and that the loan was still approved on their end.when i called HFS i was told to speak to the vice president, who told me to call the credit union and he could not help me.i spoke to a manager at the credit union who stated once again that the loan was approved with them and that the documents to sign had to come from HFS. when i logged on to HFS it stated the loan was denied and i can not apply again for another 45days. i have hired contractors that are set to start in two weeks, i now have a hard inquiry on my credit report and nothing to show for it.this is totally unacceptable for no one to even follow up or get back to me.the loan processor XXXX was definitely trying to help me but it was above her.but she was the only one to answer the phone and try.the loan was already approved and cleared until HFS decided to change the terms and amounts of the loan.i applied for one loan for XXXX.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX  XXXX. XXXX, IA XXXX XX/XX/XXXX This is to complain against the Coinbase URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of Coinbase to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX ) with Coinbase. 
To clear up the myriad of letters and correspondences I have hitherto sent to Coinbase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts objectively and comprehensively. 
It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 

General Obligation : Commencing on or about XX/XX/XXXX, I fell victim to a multi-layered scam operation run by XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2016-04-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

I am writing about Ocwen Loan Servicing , LLC . Ocwen aquired my mortgage loan from GMAC in XXXX XXXX. Without any correspondence with me, it immediately removed my hazard insurance policy and replaced it with one that was six times higher and overcharged my account by {$500.00} each month. In XXXX XXXX, I requested an escrow analysis and that my original hazard insurance policy be reinstated. My original insurance was reinstated. However, Ocwen continued to overcharge me for the next 12 months. At one point, there was a {$5000.00} surplus in my escrow account which it refused to refund to me. Recently, the surplus suddenly disappeared.
Consumer complaint received 2022-10-18
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. (NJ)

Hello I have a secured credit card from XXXX bank ( XXXX XXXX ) with {$200.00} credit limit. 
I opened this account on XXXX/XXXX/2022. 
Recently I lost my physical credit card and called to the bank to ask them to send me a new card. 
After that all three bureaus have changed the account status to closed, but actually I just reported the card was stolen or missing. 
I still have available credit limit and status of the account is current.

My credit age now is 0 months and account balance is XXXX  also. 
I would like to ask to correct this information Thank you
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

In XXXX of XXXX, I moved out of an apartment complex named The XXXX Apartments in XXXX, TX owned by XXXX XXXX. I received a Final Account statement on XX/XX/XXXX, for {$100.00} for the apartment cleaning fee. Due to my move, it totally slipped my mind that the balance was due, and the XXXX Apartments sold my debt to a collection agency. The Creditor 's name is Pro Collect Inc. Pro Collect placed the debt on my credit report on XX/XX/XXXX for {$580.00}. I have disputed this collection with all three credit bureaus at least three times, only to be told that if the creditor doesn't remove it themselves, then the credit bureaus can't either. 

I have sent documentation of the final account statement that the apartment complex sent me to the collection agency, and they still don't want to update the amount so that I can finally pay it off. I called back one more time to make sure that they received my email, and they confirmed that they did, but also added that the apartment complex told them that the amount is correct, when it is in fact not. I never received any other amount or notice from the apartment complex about a different amount. I have also tried reaching out to the apartment complex via email, and phone, but am constantly getting a runaround. 

The collection agency closed the account on my credit report for the same amount in XX/XX/XXXX. This issue is messing with my livelihood and peace of mind because I currently can not get another apartment until this issue is resolved. I am currently living with someone due to this.