davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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 delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-15
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (DC)

I used to be able to link my bank account to my investment and budgeting apps but now they won't let me. It's super frustrating and limiting my financial growth potential. This is a huge step backwards for a bank at a time when banks need to be more progressive.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (VA)

In XX/XX/XXXX, I contacted XXXX XXXX to have my services transferred to anew address. Around the XX/XX/XXXX, I moved. Unknown to me, my services were never transferred and the internet I was using at my new address belonged to the previous tenant. After an outage, I called and was informed that due to an error on their end, my services were never transferred. After further communication, my services were transferred to my new address. Towards the end of XXXX, I was contacted by a collection agency about a balance owed to XXXX for {$56.00} for services at my previous address. To my knowledge, I shouldn't have a balance and the services and balance from my old address were transferred to my new address. I was told that XXXX, instead, cancelled services at my old address and started new services at my current address. I never received notice of this and have always paid my bill under the assumptions that I have the same account. The collection agency I spoke with at the time said that they would enter a dispute. Today, I was contacted by Waypoint Resource Group, a collection agency, about this same XXXX account. The account was transferred to them on XX/XX/XXXX, and the balance is now {$71.00} due to a {$14.00} fee that XXXX charges.I explained the situation to the new collector and they too have offered to enter the dispute with XXXX. They did inform me that I would receive no communication on the results of the dispute and if my dispute is deemed unsubstantiated, they will resume collection activity and report this account to the credit bureaus within 45 days. I do not understand why I was never notified that the transfer of service never took place and that I owed a balance, if this is even true. What's even more bizarre is that I currently have an active account with XXXX XXXX that is in good standing.
Consumer complaint received 2020-05-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (NM)

On XX/XX/2020 Midwest Recovery Systems reported a collections account on my XXXX and XXXX credit files. I had never received any correspondence or phone calls from this company prior to the erroneous posting on my credit files. In the following days I received multiple phone calls attempting to collect a debt. I informed Midwest I have no knowledge of this debt and demanded verification. To date they have failed to provide any validation information. I am assuming this is a scam with the intent of defrauding me through extortion as they have failed to provide any evidence of the debt.
Consumer complaint received 2022-06-14
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. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX Michigan 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 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/2021 This is a continuation from a complaint submitted on XX/XX/2021, number XXXX and the Chase response on XX/XX/2021. 

Let me start by saying this partial settlement leaves me confused as to why the final resolution to this problem, a XXXX  balance, was not granted. 

During my time using your Chase credit card I have over {$35000.00} in purchases with XXXX fees. The only fees attached to this card came while questioning ( disputing ) the charge of {$89.00}. While you now have canceled this charge you refuse to cancel the late fees associated with this {$89.00} during this investigative period. I believe this is wrong. It is my wish that you therefore again review this case and come to the conclusion a XXXX balance is appropriate. 

I would like to add the feedback comments provided on XX/XX/2021 to CFPB as part of this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am XXXX XXXX. I know for sure I am being CHEATED out of a decent credit scores due to MASS UNAUTHORIZED Inquiries that have impact my credit scores. These are inquiries made by companies with whom I have NOT applied for a loan or credit. I do not think its fair to ruin my credit score whereas these unauthorized inquiries remain on my credit file for up to 2 years. I need to know to whom do I contact to have mass unauthorized inquiries removed at once. I refused to be a victim of all credit bureaus that powers over their decision to leave these unauthorized inquiries on my credit report when I have for the last 6.5 years has worked my XXXX off trying to maintain decent credit and or credit scores? and allow something to hold me back while trying to purchase a condo. 
I have spoke to a local attorney who has informed me that if I did not go into to these companies and or speak to any of these companies to authorized them to run my credit file then all fraudulent inquiries must be removed from my credit reports at once. 
I mean all credit reports. transunion, XXXX & XXXX asap. I have no ideal how these companies I am posting in this complaint got a hold of my social security number. anyways if its not me then all inquiries must be removed. I have also sent hard copy US mail & email process to United State Attorney General 's office, Congressman XXXX XXXX. This must stop it ruining peoples opportunities to better themselves. How can this happen if you have never been in their face and or phone call and or place of business
Consumer complaint received 2022-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I have been in my current home for approximately XXXX  years. Last year ( XXXX ) i refinanced and my loan was transferred to Chase bank in XXXX of XXXX. During the life of my loan, I have never missed a payment. That is why I was extremely surprised to get a call from my bank this month on the XXXX ( XX/XX/XXXX ) alerting me that, not only was I delinquent on my account, but I was delinquent by a month and a half. I immediately logged into my account and saw that on the XXXX, they had invalidated my last two payments. I didn't have enough to pay both payments at the time but I made one ( {$1500.00} ) and said I would call back as I was on a business trip. When I returned, I realized that there had been an error. My XXXX payment hand't gone through ( even though I received a statement and confirmation saying it was ) but my XXXX payment had gone through but was not reflecting on my account. Over the next two weeks I sat on the phone with many agents and once even pulled in the bank of the account I was paying from ( XXXX XXXX ) to confirm that my XXXX payment had, in fact, gone through. I was given all sorts of excuses as to why it wasn't reflected and every time I pulled up documentation to refute a reason, another was presented. To this day, they refuse to apply the payment to my account. So, even though I paid every month on time, this was reflected on my account, and in my statements, I still was charged a late fee and had to pay three mortgage payments in the same month to avoid getting reported to the credit rating agencies.
Consumer complaint received 2022-07-13
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

As one who pays my credit card bill in full every month without fail, I was surprised to see a notice for " EBill 's due '' with an amount of XXXX $ and a due date of XX/XX/XXXX. What makes it so confusing is I payed the full bill of XXXX on XX/XX/2020. The website would appear to be baiting those who have paid already into paying twice. It is very deceptive. 

I called into Bank of America and was told by the agent that it was a feature that I would want as a BoA customer. No, it is not and it appears to be a deliberate attempt to confuse consumers. I asked that they would fix it in their system and they told me that they can not. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I HAVE NO CONTRACT OR DEBT WITH THIS COMPANY THIS IS MY 3 TIME REQUESTING THIS DEBT OPENED DUE TI IDENTITY FRAUD REMOVED. THIS IS NOT MY ACCOUNT, I REQUESTED A COPY OF THE ORIGINAL CONTRACT WITH THEM OR THEIR CLIENT WITH WET SIGNATURES ONLY NEVER RECEIVED THE INFORMATION REQUESTED. I AM DEMANDING THIS ACCOUNT REMOVED FROM MY CREDIT NOW
Consumer complaint received 2019-08-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Emerald Coast Collections, LLC (FL)

Emerald Coast Collections - Somehow they have my Medical information, which I did NOT authorize this company to have or receive ANY of my medical information, I believe it is a violation of my personal RIGHTS for this company to have ANY of my medical information. 

I do not OWE any Medical debt and Emerald Coast Collections placed 4 separate collections on my Credit Report in the amounts of {$200.00} - {$200.00} - {$310.00} - {$79.00} - 2 collections were placed on my Credit Report the same day, XX/XX/2017 and 2 others placed on my report as well. 

Not only does Emerald Coast Collections NOT have authorization to my Medical Records, they then COMPLETELY and without any merit FRAUDULENTLY placed 4 separate collections on my Credit Report. 

I have called to contact this company and I am hung up on, yelled at, told I am a loser and to pay my bills, etc ... And Emerald Coast Collections REFUSES to remove my information from there system. 

This is a major FRAUDULENT company and I did NOT authorize this company to have ANY of my information whatsoever and this company needs to be SERIOUSLY INVESTIGATED, especially being here in the state of Florida. They are more than likely doing this to countless others and elderly folks who do not have the means to protect themselves. 

I am requesting a response. 

XXXX XXXX
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, Lender Executor, Administrator, holder in due course, for any and all derivatives, thereof for the surname given XXXX XXXX, XXXX XXXX and have been appointed and accepted the executor, both in public and in private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX, XXXX XXXX and autographed as an agent, attorney in fact, so be it ; I decided to applied for the TJX rewards master card in good faith and was denied. This corporation is out of line, as the original creditor I, the natural person, am the only original creditor, and the only one with power to created and discharge debts, this company denied me my right of credit Under the FDCPA this is a violation that carries civil liabilities of any and all actual damages. I am well aware of the United States Code ( which are federal regulations that must be followed by all corporations. Also I have provided a reference to the Code of Federal Regulations, which the person d/b/a SYNCHRONY BANK is in violation of. 
here is an enumerated list of codes they are in violation of : 15 U.S. Code 1681k ( 1 ) // 5 CFR 752 - adverse action 15 U.S. Code 1692 a ( 4 ) // original creditor 12 U.S. Code 83 ( b ) // banks can not lend their own stock 12 U.S Code 1431 // a banks job is not to extend credit 12 CFR 1026 // truth in lending, Regulation Z 15 U. S. Code 1692k ( a ) ( 1 ) - civil liabilities. 

application number for said denial is : XXXX This company has injured my reputation ( my consumer report ) and has tarnished my good name. Has deceived and misrepresented my name and has had a hand in the perpetuating the fraud and deceit that exist in the sovereign land of The United States of America. All of these actions carry civil liabilities for any and all actual damages. 
this is also and " unlawful contract '' since a lawful contract involves factors such as : Full discourse, equal consideration, lawful terms and conditions, wet ink signature of both parties. since there is no statue of limitations on fraud, and this company has not provided nor has a remedy in mind to offer me I will list the expected remedy that I seek. 

these are just some of the federal regulations this company has violated, when the letter In the Mail arrives I will be sending this company an affidavit of truth with an invoice and these papers will be notarized should you choose to challenge my demands. I will be expecting some form of rebuttal or to be heavily compensated by check.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Several credit card companies have lowered credit limits without warrant or late payments. 
XXXX XXXX XXXX XXXX XXXX Lowering available credit, without just cause, is also lowering ratios, which are lowering my credit scores. 
I have a XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) I can not run my business without credit. 
I was disqualified from a lease of a dishwasher from XXXX XXXX XXXX. 
I dont think that credit companies, should lower my available credit, Without just cause. 
This is directly causing me ill affect to being able to run my restaurant. 
The declined lease was of my credit score from XXXX to XXXX, For no cause of my own. 
Please advise
Consumer complaint received 2022-07-01
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: Nelnet, Inc. (MI)

US DEPT OF EDXXXX, XXXX, and XXXX Are breaking the law as I did not provide the companies listed with permissible purpose for reporting STUDENT LOANS ACCOUNT XXXX to my credit. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ). 
For the extension of credit because of an application from a consumer, or the review or collection of a consumers, account. Section 604 ( a ) ( 3 ) ( A ). 
For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance because of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Arivo Acceptance, LLC (TX)

I have been dealing with Arvio since COVID hit. I was let go from my job in XX/XX/XXXX and I contacted them and said now that I was forced into early retirement that I could not afford a {$550.00} car payment. Then in XXXX I was admitted to the hospital with XXXX for XXXX  days and came home on XXXX  for a month. I was in contact with them and made payments as I could and said I need help. During COVID the companies were not to report individual/business to be late. This company did and prevented me in trading in the car to get a smaller payment. This company told me they do not refinance the company. Because of this company my credit score is below XXXX which does not allow me to trade car in. 

I am looking for a job but at XXXX XXXX XXXX they are hard to come by. I make payments as much as I can but with medical bills its too much. 

I have asked if they refinace they said NO. 

NOW, with the new Trade Laws, this company calls almost every day asking for back payments. This is against the Federal Trade Laws that went into affect XX/XX/XXXX that you could not contact a business/indivdual one time in 7 days.

I dont know what else to do...
Consumer complaint received 2022-07-14
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. (WA)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK 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, 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 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX ADDRESSES : XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX COLLECTION : XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX  XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX EMPLOYER : XXXX XXXX XXXX ADDRESSES : XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX