davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; ( Original Creditor : XXXX ) XXXX Balance : {$1100.00}.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (FL)

Submitted a credit card application in early XXXX and Chase Bank pulled my credit score. On XXXX, XXXX, I received an email about a message that was posted to my account that I should read and then call them. I tried every way possible to get into my account to read the letter, but nothing has worked. I subsequently got a hold of them via chat and was told I has to call in to speak with them. I called them and was originally told that I needed to call another department, but they werent open again until XXXX EDT on Monday ( XX/XX/XXXX ). Turns out my application was somehow routed to their Fraud Operation department and no one else can discuss it with me. 

I have now called this new number 5 times and been put on holds ranging up to 90 mins with no answer. Because of this, I reached out again to the general customer services but was told again that only the Fraud department can discuss this. I have now been on hold with them for a total of over 4 hours with no end in sight. 

They said they need to talk to me, but they will not call me or reach out to me directly. 

This is well beyond ridiculous.
Consumer complaint received 2021-06-10
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: Thaxton Investment Corporation (NY)

Since XX/XX/2021, I sent three letters to Quick Credit demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the account XXXX reported in my credit, they fail to positively verify the account and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. The company sent me an agreement without any signature, my signature is not on it. 
I demand the account be verified or removed immediately XXXX
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Corp Solutions Inc. (TN)

I was contacted on XX/XX/2021 by the phone number XXXX. I answered the first call at XXXX XXXX, but had a bad connection and couldn't hear the person on the other end. A quick XXXX search of the number brought up XXXX XXXX XXXX Attorney at Law. 
I quickly called back the number wondering why an attorney was calling me. The return call was made at XXXX XXXX. As soon as I called a lady answered the phone without stating whom I was calling. I quickly found out it was a collection agency called Tasman Credit Corp. I asked the lady why their number was tied to Mr. XXXXXXXX XXXX office and she responded with she didn't know why but they used a local number sometimes so the individual calling them back didn't accrue long distance charges. First of all it's XX/XX/XXXX, who doesn't have free long distance? She then gave me the phone number- XXXX ext. XXXX. She said she was attempting to collect a debt. I asked her to send me a validation letter and she emailed one instead of sending it by USPS. She was a little pushy saying that we needed to resolve this before it went to litigation. I politely told her I will get in touch with them once I do some research. Why is it ok for them to spoof a local attorney 's phone number?
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/2020 I mailed a certified notarized contract along with a US post office money order in the amount of {$200.00} to settle the account with Capital One Bank. The contract clearly stated that cashing the above referenced check was an agreement to the terms in that contract and the terms written on the money order as well. Capital One Bank received the check on XX/XX/2020 at XXXX XXXX and cashed said check soon thereafter according to the US Post office website. 
By not complying within the 30 days of the original contract on XX/XX/2020, Capital One Bank is in violation of the contract terms and I am hereby requesting that you hold them responsible for their actions and make them fulfill the contract as listed below : 1 ) Show the above mentioned account as paid in full 2 ) Remove any and all derogatory reporting from any and all credit bureaus including XXXX. XXXX, XXXX, and any others you're currently reporting to. 
3 ) All collection attempts & activities shall cease immediately 4 ) You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ) If you dishonor this contract or violate its terms. you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a cognitive contract and you agree to summary judgement against you. 
Thank you so very much for your help and your time with this matter. I know your time is very valuable.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (NM)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 181 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 166B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-24
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. (MO)

The following accounts doesn't belong to me, nor did I authorize these accounts I've also reported my identity being compromised. Therefore, the credit reporting agencies are in direct violation of reporting these unauthorized fraudulent accounts as facts. I'm asking for these accounts to be removed from my credit file. 

1 ) XXXX XXXX XXXX  {$200.00} 2 ) XXXX XXXX XXXX  {$2100.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$640.00} 5 ) XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 I went to bank of America located at XXXX XXXX XXXX XXXX FL XXXX with a bank of America issued check in my name provided all necessary documents for check and identifications clerk looked at check and immediately gave it back and immediately denied cashing it spoke to manager manager did the same thing looked at check and immediately denied their own bank issue check to me I searched their policies on cashing checks limits and check cashing fees on their website nothing stated their was a limit just said if your a non account holder there will be a {$8.00} charge per check no matter how big or small the check is unless under {$50.00} their would be no charge I believe they discriminated against me due to the fact I have tattoos everywhere they treated me as if it was a fraudulent check the teller and the manager didn't even bother to verify the check to see if it was real and basically asked me to leave that they weren't going to help me especially after I looked up their policies to make sure I wouldn't have a problem cashing the check there's no policies for that bank that states there's a policy on how much you can cash I need this to be dealt with I want to file a suit for discrimination
Consumer complaint received 2018-11-22
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: JPMORGAN CHASE & CO. (CA)

XXXX has been non-compliant with removing the unverified account CHASE AUTO which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that CHASE AUTO was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union ( NFCU ) has charged me interest on late fees in violation of the Fair Credit Billing Act and has refused to provide a breakdown of the late fees and interest so I may pay the late fees. The amount financed has been paid. Additionally, NFCU has reported the late fees & interest to the four credit bureaus as a charge-off. 

The Promissory Note, Security Agreement & Disclosure specify APR on Amount Financed and states the Late Payment Fee. There is no disclosure that interest will be assessed on late fees! 

This issue has been outstanding since 2018.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC (UT)

The personal loan account with Lending Point LLC was opened XX/XX/XXXX ( 4 yrs, 7 month ago ). I set up automatic payments with the company. Everything was fine until around XX/XX/XXXX when I told Lending Point LLC, via phone, that my bank account on file experience fraud and the payment account with Lending Point LLC to another due to this. We changed the payment account over the phone. 
The next payment was never taken out of my new account. Lendingclub LLC kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account. 

I would like to have the charge of and closed account removed from my credit because this is the fault of Lendingpoint LLC. I've reached out to Lendingpoint LLC several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. Lendingpoint should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-08-28
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. (TX)

In accordance with the Fair Credit Reporting actXXXX XXXX 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 2022-05-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I XXXX XXXX entered into a consumer credit transaction with Care Credit. A letter was sent to the credit bureau 's informing them that they don't have My permission to report on my consumer credit report. Care Credit closed my account with no formal letter explaining why.This violates my right as a consumer and is an unfair practice pursuant to 15 usc 1692f. This is all so an adverse act pursuant to 15 usc 1681m-Adverse Action and they are in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. This has negatively impacted my credit score.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (NJ)

I hold a loan with Guaranteed Rate for my property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX During the pandemic, I was an XXXXXXXX XXXX helping in the XXXX in both XXXX and XXXX XXXX XXXX. During this time, I was negatively impacted by the pandemic and qualified for forbearance. I completed the duration of time and re-entered payments on my mortgage on time. In order to account for the payments not made during the time I was in forbearance ; it was agreed that I would conduct a loan modification. This included a 3-month trial period that I completed successfully. I filled out and notarized the appropriate paperwork for my loan modification on time and Guaranteed Rate rejected my initial notarizations because the attorney did not date his signatures. In the state of XXXX XXXX it is not necessary to do so. This delayed the application of my loan modification, but I went ahead and re-did the paperwork again anyways despite the clerical error on Guaranteed Rate 's end, this time from XXXX. For the duration of my original loan with Guaranteed Rate, the trial period for the loan modification, and the duration of time between when it became applied as replacement for the old loan, I have not missed a single payment. However, I have been recently notified that I am due for one month worth of payment and am delinquent. I have held at least 10 phone calls and messaged directly via email multiple times, and Guaranteed Rate is taking a position that I still owe despite never missing a payment. Their current interpretation is that they applied my payments the way they chose to, instead of in line with the loan stipulations and now I am receiving late fees. The purpose of the loan modification was to roll any debts into the new loan and remain on time with payments. Guaranteed Rate is not holding up their end of the deal by misapplying my payments. I want my loan modification to be re-structured to cover the alleged debts and all contrived fees to be waived.
Consumer complaint received 2021-06-24
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. (TX)

I, XXXX XXXX has had my sensitive information exposed in the XXXX  Data Breach in XXXX and Equifax Breach in XXXX. Information such as my social security number address and financial accounts and I fear that this information may have ended up in the wrong hands. I have sent multiple letters disputing these in accurate accounts on my consumer reports and I have not received any response. I feel like I am being taken advantage of and these companies are not providing fairness and accuracy as it states in 15 USC 1681a ( 4 ). My last correspondence were sent using U.S. Certified mail # XXXX to XXXX
Consumer complaint received 2024-09-07
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: EQUIFAX, INC. (TX)

MYFICO has recently reported that Equifax has dropped my score. When I contacted Equifax, the reps were unable to provide a valid reason as to why my score was dropped. My Revolving accounts are in good standing, under 30 % and my debt has gone down since last month. I have one collection from years ago that was paid in full years ago. when I called. Equifax customer service the rep had no clue and was not making sense. He tried to blame my collection account but failed to realize that Equifax raised my score since that account had been paid in full. So, why would it matter this month? They are retaliating because I reported them and they're continuing their misconduct
Consumer complaint received 2022-05-30
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have noticed that BK OF AM have placed an inquiry on my XXXX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both BK OF NA and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''