davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 



XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I have sent two letters requesting that my credit report be mailed to me and I have not received on report yet. They keep sending stall letters out requesting the same information that I keep providing.

In addition to these letters being mailed to the three credit bureaus, I have asked that my personal information be updated as my name, address, phone number, and employment information.
Consumer complaint received 2024-01-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (GA)

ONEMAIN FINANCIAL OVER CHARGED ME ON A {XXXX LOAN, WHEN I CALCULATED THE PAYOFF IT WAS {XXXX} & THIS IS NOT RIGHT TO DO CUSTOMERS THIS WAY SO I THINK IT'S ONLY RIGHT TO COMPENSATE EACH & EVERYBODY THAT WAS DONE LIKE THIS.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION (NJ)

I had an unauthorized transaction for {XXXX  with XXXX XXXX  and an unpaid goods or service with XXXX XXXXmy bank makes me feel like my funds arent safe ..they froze my account before and they denied any dispute I submitted which makes me feel like Im better off keeping my money in my pocket..everything is fraud and sometimes they treat their customers like they do fraud and Im a good customer until I have a problem with a transaction
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Please I want this information to be deleted from my report since it greatly affects my status. I have a lot of problems with this.. 


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 2022-01-13
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. (CO)

I have a 30 year conventional loan with PMI that was sold to The XXXX XXXX without my permission or knowledge in 2017. I was just turned down on a land loan because the XXXX XXXX reports my mortgage as revolving credit so my credit rating is wrongfully lowered so to the balance to value ratio. The money source claims its industry standard to report a manufactured home as 17 but my home has been purged and permanently affixed to my 7 acres.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I signed up for automatic payments with the loan company on XX/XX/2021 & XX/XX/2021 I saw on my statement bad check reversal for {$1500.00} and I was charged for a returned check fee. The money was in my account I attempted to call and speak to someone about these charges and payments I was left on for for greater then 20 minutes multiple times, I left messages and I used their contact form. I did not receive any response from anyone. I never received a copy of the payment being returned by the bank from the company and my bank always contacts me with any activity on my account. I stopped the automatic payment program and now pay monthly. 

I then received a letter from my home owners insurance company XXXX XXXX XXXX that my premium had not been paid by the loan company. They tried contacting them multiple times also. My loan includes homeowners insurance, property tax and the actual mortgage payment. 
I emailed copies of my home owners insurance to my loan care and they were supposed to pay the homeowners insurance. 
This company has the worst customer service and no communication comes from them. I want to change loan companies, I have never had this lack of response from any other company I have dealt with. I am going to try and change loan companies
Consumer complaint received 2024-10-24
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. (PA)

When I investigated my credit report, I realized that some of the information were erroneous.The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX CARD XXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2024-10-31
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. (GA)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 2021-02-02
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will call my LAWYER Asap!
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my account with Capital One, specifically account number XXXX. My name is XXXX XXXX XXXX, and I am addressing this concern in relation to the reported charge-off on my account. 

I have enclosed documentation confirming the payment of the charge-off in question. Despite the payment, I understand that a charge-off is considered a certificate of indebtedness, and its reporting to consumer credit files ( XXXX, XXXX, and XXXX ) is subject to specific regulations outlined by the Fair Credit Reporting Act ( FCRA ). 

As of my knowledge cutoff date in XX/XX/year>, it is my understanding that the reporting of charge-offs to credit bureaus must adhere to certain guidelines and time frames outlined by the FCRA. Furthermore, I would like to bring to your attention that a charge-off is considered income, and I am entitled to receive a Form 1099 for tax reporting purposes as required by the Internal Revenue Service XXXX IRS ). 

I am disputing the reporting of this charge-off on my credit reports and demanding its immediate removal from all credit reporting services in accordance with the FCRA and related statutes. The payment of the charge-off serves as evidence that the debt has been satisfied, and its continued reporting is negatively affecting my creditworthiness. 

I have not received a Form 1099 for this charge-off as required by the IRS, and I am requesting that it be provided promptly. Failure to comply with these requests within 30 days from the date of this letter will result in further action on my part. 

Should the necessary actions for the removal of the charge-off and the provision of a Form 1099 not take place within the stipulated timeframe, I will be left with no choice but to pursue legal avenues, including filing a pre-arbitration demand letter and submitting a Form 1099 to the IRS. 

I trust that Capital One values its commitment to fair and accurate credit reporting and will address this matter promptly. I appreciate your attention to this issue and look forward to a swift resolution. 
Sincerely, XXXX ; XXXX
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

My account was closed im just figuring it out now, my card got stolen as well as my phone i had no access to my phone or card, i end up being able to track my phone down and get my information back i look today on my chase account and im not able to log in and i called and they said my account is closed and they cant tell me the reason why??? im so confused and im not understanding why my account was closed
Consumer complaint received 2024-11-01
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Formal Complaint and Opt-Out Request Regarding Privacy Act Violations by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am submitting a formal complaint against XXXX XXXX XXXX for egregious violations of the Privacy Act, specifically 15 USC 6802-6805. Upon thorough examination of the XXXX XXXX  report, I have identified and documented XXXX instances where the company has violated privacy laws, involving unauthorized access to overdraft balances, withdrawals, deposits, and the unauthorized opening and closing of accounts. 

Enclosed with this complaint is the detailed report, serving as evidence of these numerous privacy violations. 

In addition to the complaint, I would like to exercise my right to opt-out per USC 6802. I request that my personal information be removed from XXXX XXXX XXXX databases and that they cease any further use or disclosure of my information. 

I kindly urge the Consumer Financial Protection Bureau to initiate a comprehensive investigation into these serious breaches. The gravity of these violations necessitates swift and decisive action to protect consumers and hold XXXX XXXX XXXX accountable for their actions. 

In line with applicable laws, I am seeking compensation for these violations, with a minimum of {$1000.00} per instance, as permitted under the Privacy Act. 

Your immediate attention to this matter is crucial in ensuring the protection of affected individuals privacy rights. I trust in the Consumer Financial Protection Bureaus commitment to upholding consumer rights and enforcing the Privacy Act. 

Thank you for your prompt consideration and action.
Consumer complaint received 2024-11-01
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. (GA)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-02-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (AL)

Requested payment modification with Ford Credit on XX/XX/XXXX. Rewrite was denied XX/XX/XXXX and as of today I have been lied to be each Ford Credit Call rep at XXXX. I was told 7 to 14 days to receive my letter of declination. As of XX/XX/2019 I have not received any notification as to the declination. Also, I was solicited to defer my monthly payments which I did for the month of XXXX and XXXX and was told it would not report to the credit reporting agencies. Another Lie. My payment due date is the XXXX of the month and today, the bureaus reported a 2 month deferred payment. I just got off the phone the XXXX from XXXX XXXX, she stated they reported every month on the next day after payment due date. XXXX stated they reported to the bureaus on XX/XX/XXXX. Thats a Sunday. Lies, Lies and more Lies. She stated they do not report, however why as of today XX/XX/2019 with a payment date of the XXXX having one business day with a 10 day grace period, why would the bureaus be showing a 2 month deferred payment unless Ford reported it. Ford Credit is the New XXXX XXXX. Fraudulent and out right lies from Representatives. I also requested recording of my calls and was denied. I requested transcripts of those calls and was denied. However, XXXX said she would look at the calls as a coaching opportunity. After speaking with 6 to 10 reps and they all stated the same information on different dates and different calls. They are all Liars.
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (PA)

I have a debt that is dated from 2011 that is reporting on my XXXX   credit report monthly impacting my credit scores monthly. This is not a revolving debt. This is a debt for XXXX that was not my debt. Ive requested the original documentation to confirm the account information but have not received any written verification
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-01-24
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 2020-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MI)

PNC is not allowing linking of bank accounts to XXXX. They instead have told me they want consumers to send and receive money with their service XXXX. I believe in the consumer 's right to choose who they want to use.
Consumer complaint received 2020-06-18
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. (AR)

DECIDED TO MAKE A BIG MOVE IN BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SO I WAS NOT WORRIED ABOUT THAT BEINGTHE FIRSTSTEP. OUTOF SURPRISE A BIG LIST OF ACCOUNTS IB HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT.
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

I have consolidated my federal and FFEl loans on XX/XX/26 with XXXX XXXX and applied for new Save plan to lower payments. I was told we will be placed on administrative forbearance until the consolidated is complete. However in XXXX I was charged for XXXX dollar by Nelnet. I called XXXX they told me to call Nelnet to request a refund I was on hold for almost 3 hours with Nelnet and no one could help me I talked to specialist lady and she said she cant process a refund since administrative forbearance is only for 60 days! They told me because the consolidation takes longer than 60 days payments will resume! And they will not be able to put me on administrative forbearance!! And they will put me on regular hardship forbearance and my account will show past due! Please have Nelnet refund my XXXX payment and put me back on Administrative forbearance not hardship forbearance. We should not be charged any payments until the consolidation is complete and new SAVE payment is calculated. I do have voice recordings of conversation in case evidence is needed. 
Thank you