davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$870.00} DEPT OF ED/XXXX  XXXX Balance : {$6300.00} DEPT OF ED/XXXX  XXXX Balance : {$9600.00} DEPT OF ED/XXXX XXXX Balance : {$4200.00} DEPT OF ED/XXXX  XXXX Balance : {$4600.00} DEPT OF ED/XXXX  XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (FL)

Dear CFPB Representative, Thank you very much for taking the time to review this complaint. 

This is a case of a Law firm representing itself in a primary function as a debt collector.. Each letter from the debt collector ( 3 letters ) stated " We are a law firm, at this time no attorney with the firm has personally evaluated or reviewed the particular circumstances of your account ''. However, this firm recently filed a lawsuit against me without any notice or without notice of transitioning from a debt collector to a law firm. 

Additionally, this firm did not provide important documentation that I requested on multiple occasions so I properly validate the debt and the determine if this firm has authorization from the creditor to collect the debt. 

On XX/XX/2020 I received a letter from this firm, Cooling & Winter ( Letter # 1 ) to regarding credit card debt shown in the amount of {$82000.00}. I responded on XX/XX/2020 ( Response # 1 ). Cooling & Winter sent Letter # 2 and I sent Response # 2 and Cooling & Winter sent Letter # 3 and I sent Response # 3. I did not receive a letter back from Cooling Winter in regard to my last Response # 3. I will attach these 3 Letters & 3 Responses, label accordingly. 

Importantly, I did not receive any indication or notice at all that Cooling & Winter intended to transition from a debt collector to a law firm. Additionally I did not receive any notice that Cooling and Winter intended to file suit. Complaint attached. Th e Compliant was mailed by a different firm, XXXX XXXX ( attachment ). I have no knowledge about this firm, XXXX XXXX and never communicated with them. FInally, per my Reponses, you will see I requested multiple times for verification that Cooling & Winter had a license to do business in Florida and that Cooling & Winter had authorization from the Creditor to collect this debt. These are very important as many Collection Agencies do not have authorization and also may not have the license to do business in other states. These among other requests to Cooling & Winter were never specifically addressed. I also requested other documentation to formally validate the debt. 

Thank you for your assistance. I am always available to discuss this matter further.
Consumer complaint received 2022-12-03
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: SANTANDER HOLDINGS USA, INC. (TX)

In accordance with the fair credot reporting act XXXX Account # XXXX has voilated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumjer reporting agency can not furnish a account without my writtien instructions.

15 USC 1666B : A creditor may not treat a payment an a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-05-14
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. (MD)

I have been in dispute with XXXX XXXX  since XX/XX/2019, I have disputed the contract upon which the credit was created to place a mortgage upon my residence. Instead of trying to resolve the matter they have decided to ruin my credit by reporting negatively to all three of the major credit reporting agencies. They have reported the disputed account as delinquent or late instead of disputed. I have told them that what they were doing was illegal and that as long as the account was unresolved in dispute they can not report it as an attempt to harm my credit. They continue to report the account in a negative manner, thus ignoring, my dispute and the Federal Statues that protect me as a consumer. 

I have sent a package to your office with all of the documents regarding my dispute with XXXX XXXX, I am sending this additional complaint because I received a credit alert and when I checked it XXXX XXXX had placed another derogatory entry on my file.
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Omega RMS, LLC (CT)

Received a telephone call on XXXX XXXX, 2017 at approximately XXXX XXXX. from someone who called themselves " XXXX XXXX '' demanding to know if I was the correct person he was talking to. He did not identify the company. He then demanded in a loud, abusive voice that I confirm my address. I asked him who he was and what he was calling about. He said, " My name is XXXX and you have to confirm your address so that I can tell you about a serious situation you are involved in. '' I declined to confirm my address, asked him his company and he told me is was XXXX. When I told him I would not confirm any information not knowing what he was calling about, he threatened me. He said that something more serious would happen. I hung up, He called back and said, " Is this the way you are going to handle this serious situation '', again in an amazingly threatening tone. I explained again I would not share information with him and in fact was going to call the police if he called again. I have no credit issues and had absolutely no idea why he was calling me. It was the most abusive, disturbing call I have ever received. I am completely distraught and afraid that this person is a predator in some way. Only after " XXXX '' the company name did I realize it was some kind of " debt collector ''
Consumer complaint received 2020-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I attempted to purchase a XXXX for my daughter on what I thought was the actual XXXX website. I completed the purchase using my PayPal account, as I believed that was the safest way to complete any online purchase. After completing the purchase I went to my email noticed the PayPal receipt showed a non-verified XXXX account as the seller, and immediately logged into my PayPal account. The seller was from out of the country, and was showing a name I had no idea who they were. I checked my inbox and had no receipts from a purchase other than from PayPal. I went back to the site and realized it was XXXX.XXXX  NOT XXXX.XXXX  which is the verified and true XXXX  company site. The fraudulent site looks just like the real site. I have never had an issue with a purchase before, or had to fight anything on PayPal before so had to look up what to do within their help instructions. I immediately disputed the purchase, and had to wait to see what PayPal would do. I put in the information based on what I knew to be true, and waited. They replied over night, and the next morning I discovered they said I had no claim to dispute and were closing the case. Based on the fact the seller had immediately completed the sale and taken my funds, my only recourse was to email this person and request a refund. I had done that the night before, but did it again that morning as well. I still have not received a reply from this seller. I have tried to contact PayPal via phone, but they are not taking calls due to Covid. I tried chat, but it is a Bot, and it prompts me to do a dispute, then tells me I can not as I already have done one and it is closed. I was forced to contact my bank and they are going to try and dispute it for me, as the money was pulled from the already. This transaction was placed on XX/XX/2020 through PayPal Transaction ID : XXXX for {$130.00}, Dispute Case # XXXX I do not know what else to do. This site did not provide me with information for a sale, they should not be taking PayPal for purchases, they are not verified, they are fraudulent, and I did not have PayPal support to assist.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

in XX/XX/XXXX recieved two student loans one for {$4000.00} and one for {$2600.00} both loans were paid in XXXX.but in XXXX i got sick with XXXX and called navient and explained my situation and asked if i can be placed on a deferment while i was going thru XXXX. they said no problem we are still going to charge you interest. i told them thats ok.now that i want to refinance because inerest is low i have late payments on my credit report.i contacted them and they are telling me nobody never called them with a deferment request.i told them my original creditor was sally mae .so this is my problem can sombody help please.
Consumer complaint received 2020-10-30
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611.
Consumer complaint received 2021-02-22
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)

I applied for a truck loan with XXXX XXXX last week and I was approved. I never had any issues with someone trying to obtain credit under my name before I applied for a car loan. 

I got an alert that someone applied online with Apple with Goldman Sacs or a Apple credit card which I never applied for. I called Apple letting them know this and to close down the account, they would not and gave me the worse customer service I have ever had. They told me I needed to file a police report to get this taken care of. 

I called XX/XX/XXXXto get this off my report, but they said I needed to get a hold of CFPB to file a complaint first to get it off. 

I had this same issue with XX/XX/XXXXand XXXX XXXX, and I called up both companies, and they told me they will send me a letter as well as send a letter to the credit bureaus to take off the inquiry, so they were very helpful, but XX/XX/XXXX and Apple/Goldman Sachs was not. 

Please have the hard inquiry with XX/XX/XXXX taken off of my credit report as I did not apply for an Apple Card.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Spring Equity LLC (MD)

We decided to refinance our mortgage ( 3.625 % 30 year fixed with XXXX XXXX ) and went with Spring EQ for a 2.75 % 30 year fixed, and signed the closing documents XX/XX/XXXX. Spring EQ was to pay our County Real Estate taxes and Homeowners Policy in XXXX. Early this month I received a " Tax Delinquency Notice '' from XXXX County, MD telling me that my property would be subject to a tax sale if property taxes in the amount of {$3000.00} ( including a {$60.00} late fee/interest charge ) were not paid by the end of XXXX. It was also discovered that the Homeowners Insurance ( XXXX XXXX in the amount of {$1800.00} ) due XX/XX/XXXX, had not been paid. For three months my home had been uninsured! Spring EQ was negligent in all respects relative to their handling of the Escrow Account, and have been very slow in handling this emergency ( HOI was paid today ( XXXX XXXX ) and I paid the Real Estate taxes personally last Friday, XXXX XXXX to keep my house from being subject to a tax sale. The " closing disclosure '' is not easy to read, but it looks like Spring EQ and their closing agents, XXXX, charged me {$2000.00} in fees to settle the closing, which was very poorly done. My request is to have that {$2000.00} ( which got me nothing ) returned to me. My mortgage was sold to XXXX in the middle of XXXX, and hopefully will be handled much more professionally going forward. My latest dealings at Spring EQ were with a man named XXXX XXXX, who is a Sr. VP and CFO ( his phone number is XXXX and his email is XXXX. Thanks you for your attention to this matter. XXXX XXXX XXXX
Consumer complaint received 2018-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Opened an account with Chase in person, received all documentation for the account along with debit card. The next day I received a later stating that my account will be closed and no reason was given. I called on XX/XX/18 after I received the letter, and the agent couldnt find a reason either. Only that the decision is non-reversible.
Consumer complaint received 2020-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

I applied for and received a mortgage forbearance under the Federal CARES Act with my prior lender XXXX. My mortgage is a XXXX XXXX backed mortgage. After granting the forbearance, XXXX immediately sold my loan to ARVEST Central Mortgage Company. ARVEST failed to recognize my forbearance and sent me repeated collection notices stating I was past due, despite the CARES act forbearance that was effective on my loan prior to ARVEST buying the loan. 

I notified ARVEST multiple times via phone and in writing about my forbearance granted by XXXX. I also requested of both XXXX  and ARVEST that the amount subject to forbearance be placed at the end of my loan as provided by XXXX XXXX guidance and the CARES Act. I completed paperwork for such deferment and submitted to XXXX in XX/XX/2020. Nevertheless, ARVEST continues to send me Mortgage statements and bills stating I am overdue, in default, and subject to foreclosure. Every time I call to speak with ARVEST, I get the run around or statements that conflict with the written collection notices and bills. 

I am trying to refinance my loan with XXXX XXXX, but they will not proceed while ARVEST states I am past due. 

Despite my repeated efforts, I am unable to get ARVEST to grant the deferment for which I qualify under federal law, nor will they correct my account. 

I am requesting assistance from the CFPB.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In XX/XX/2019 a charge of XXXX was made to my credit card. I called the company and they cancelled the old CC number and issued a new number and I was told that the fraudulent charge would be cancelled. It wasn't. A new CC was issued and the fraudulent charge was added to the new card. 
I called the company 's security again around XXXX XXXX and I was advised to skip any more payments. I skipped a payment and then I received a letter dated XXXX advising me that the payment was past due, so I paid a double minimum due payment. I called the the company 's security again and I was told that the original security representative had made a mistake and the time period for resolving the problem would take another 90 days. It's been about 90 days, and I am still having to pay the minimum due each month.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

Credit Bureaus are the biggest fraud against people in this country. Why do bad information rather pay off or keep showing up on credit reports while good reporting disappear. Why is Equifax still consider a reputable reporting agency when it allow a massive data breach. Equifax, XXXX   and XXXX are totally discreditable agencies. I do what they do I would be arrested for fraud. Why is my credit score 70 points different between the three? These agencies need to be investigated and regulated.
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (MA)

I PAID THIS COLLECTION AGENCY ON BEHALF OF BARCLAY BANK. BARCLAY BANK ASSIGNED THIS CASE TO 2 DIFFERENT COLLECTION AGENCIES. EITHER THIS COMPANY DID NOT REPORT I PAID THEM TO BARCLAYS BANK BECAUSE BARCLAY SAYS I STILL OWE THEM THE MONEY AND THE XXXX XXXX XXXX IS STILL TRYING TO COLLECT. ALSO ITS REFLECTING ON MY XXXX  AND XXXX REPORTS AS NEGATIVE AND STILL HAS A BALANCE.
Consumer complaint received 2018-07-12
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: CITIBANK, N.A. (GA)

I disputed an XXXX charge of {$570.00} with Citibank. I received a temporary credit and was sent a letter via mail from Citibank which I mailed back. Citibank has since be rebilled me for the charge stating they never received my response which is ridiculous. It also instructed me to follow up with the merchant which was the reason for the dispute because the merchant refused to cooperate with me.
Consumer complaint received 2020-10-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP (CA)

XX/XX/2020 I emailed company and demanded them to open onetime payment portal for my use. Company has not opened portal and is demanding payment only by certified check. Im on XXXX XXXX status with the Army and have to leave post in order to purchase a check to mail for payment. My schedule does not allow time to do this. Servicing company gave no warning on being restricted to payment by certified check only.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NY)

I closed a cash-out refinance with ( Rocket Mortgage by ) Quicken Loans on XX/XX/21. I signed the " 3 day right to rescind '' disclosure at closing, and I chose to invoke it on XX/XX/21. 

on XX/XX/21 I emailed my closing agent stating I wished to invoke my right to rescind, which they acknowledged, and I mailed a physical copy of the same letter, via certified mail on XX/XX/21. 

on XX/XX/21 the transaction executed, despite my rescission on the deal. I received the closing funds via wire transfer and my mortgage was paid off and my new mortgage opened with Quicken Loans with a balance of {$500000.00} It has now been 40 days since I invoked my right to rescind and I still do not have my mortgage back. have been in contact with a " resolution advocate '' at Quicken, but have not received any guidance on when the transaction will be unwound. They have repeatedly requested that I initiate a reversal of the wire transfer
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Applied for a conventional mortgage in XXXX for a new home. Lender said I had a previous " Forclosure '' on my credit report. I have limited time to qualify for this loan in order to close on my new home, which is scheduled for XX/XX/XXXX. 

The mortgage servicing company, XXXX XXXX XXXX, is reporting that my " account was paid for less than full balance '', indicating that there was a forclosure and short sale. This is innacurate as the loan was indeed " paid in full with no balanbce due I have provided the HUD-1 statement from the sale of the subject property, and the payoff letter from from XXXX. I have contacted XXXX, who confirms that there was a forclosure started, but it was retracted since the loan was " paid in full with no short dale '' and that the payoff was not due to foreclusure. 

I recieved notice today from Equifax that they have completed my dispute regarding the inaccurate Information on my report. They said they confirmed the information, stating that the " Account ( was ) Paid For Less Than Full Balance ''. 

The lender said that this inaccurate reporting will prevent me from obtaining the loan necessary to close on my new home. 

I am enclosing all pertinent documents, showing that the XXXX reporting on my credit report is inaccurate. Their reporting is, and has been causing me financial harm. Please help me. I have done everything I can to get this corrected, and don't know where to turn.