davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Federal Credit Control, Inc. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' First Federal Credit Control is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' First Federal Credit Control, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and First Federal Credit Control, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' First Federal Credit Control never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX  are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of the above mentioned companies reporting services.
Consumer complaint received 2019-09-03
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. (IN)

I have a female put things in my name without my consent and without me authorizing and acknowledging, there are 2 credit cards in my name along with money from XXXX XXXX. I want them removed and deleted, I dont have access to a credit card, nor have i shopped and used one. I want this done and immediately i keep getting notifications from places that i never even shopped at. The girl had access to my info because she and I were dating and when we broke up she went on a rampage in my name because she was unable to do it herself which is not fair to me
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

has violated my rights. Or a 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 2019-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

Prior to attending a certificate program that allowed me to defer my loans, my monthly payments were {$550.00}. 

I just finished my program and when I set up XXXX to make sure my payment would be made electronically every month, I noticed that the payment amount was only {$490.00} and some change. 

There was no explanation. I was never informed. This would result in greater interest being charged over the life of the loan. A lot more interest. This seems unethical at best and is most certainly deceptive. 

Further, when I previously had XXXX set up, it would only charge the amount I authorized. But now the form implies the amount can change. Since I can't negotiate the terms, this seems problematic at best. 

Finally, I was forced to accept the terms and conditions with no ability to negotiate those terms. Since I don't have a choice in repaying my loans, to be forced to agree to terms and conditions seems yes you guessed it problematic ( proper punctuation omitted on purpose for effect ). 

I have spent years dealing with student loan lenders. It never gets better. It only gets worse. At the very least I should have had a choice in the lower payment amount and been informed of the consequences. 

Thank you for your assistance.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

The XXXX is the Michigan State Disbursement Unit, which gives me alimony and child support. 
On XX/XX/XXXX I deposited XXXX checks issued by the XXXX in my Chase Bank Account : Check number Amount Date issued Date cashed XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Not cashed XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Unfortunately, the XXXX had deposited in a pre-paid card the amount for check XXXX which made the check void. 
I currently live in XXXX, taking care of my sick father. I wasn't aware of this check 's cancellation, the XXXX statement can't be consulted in internet when you are out of the country. It has some kind of blockage when checked outside the US. Also, the mail sent to my XXXX address was lost, reason why I changed my mailing address to the one attached. 
Chase blocked my account. 
The XXXX provided me, ends of XXXX, with the dates when Chase cashed the checks. 
The total amount of the cashed checks is {$11000.00} I was required by Chase to physically go to a branch and identify myself and provide all kinds of documentation before I could obtain any money. I repeat, this is child support and alimony. 
I did travel to a branch in California in XX/XX/XXXX, paid for travel expenses. I provided IDs, XXXX statements, divorce agreements, proof of mail address in Michigan, etc. There was not a single document they required that I couldn't provide. 
A couple of days later I received in my mailing address, in Michigan, a check for {$5900.00} from Chase. 
I called Chase about a week later and I was required the phone number for XXXX section employers ( XXXX ) which manages the checks and amounts. Chase indicated that XXXX is working currently from home and have no information about the checks. The Chase customer service person, " XXXX '', was not willing to provide her last name, any name or suggestion on how to manage this issue, or name the reason why they will not pay me the leftover money. Period. 
It seems as if Chase still had to confirm I deserve to have the amounts. 
They still owe me {$5200.00}. I am being charged with interests for the money I owe due to this deficit. Please help me.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (NJ)

I opened a checking acc with BMO HARRIS BANK under condition that there will be a monetary bonus issued for new act as long as certain criteria was met. I was also given an atm card with option to choose my own pin .after the atm car arrived I contact the bank gave them my pin. I was trying to use the card in the next 2 days it wouldn't work I called the bank and was told the pin was only good for 24 hrs [ how stupid is that ] and my card was blocked there is not a branch within XXXX miles from when I called them I was told my identity wasn't verified 3 times I was sending my documents state driver license, notarized letter I keep getting stonewalled .please help me resolve this issue
Consumer complaint received 2020-11-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/XXXX, I purchased a new vehicle and traded in my old vehicle. On XX/XX/XXXX, as part of my new vehicle purchase, XXXX XXXX paid off my loan to Hyundai Motor in the amount of {$11000.00}. This was 3 days before my due date of XX/XX/XXXX. I continue to receive e-mails, texts, and letters stating that my account is past due. I contacted Hyundai on today 's date, and they transferred me to THREE different agents. They stated they were trying to collect a debt. I advised them my car was paid off. They admitted they received the payment on XX/XX/XXXX, but that they " haven't updated their system yet '' and couldn't state " when the system will be updated with the information. '' This is 12 days after the car was paid off. In the meantime, they continue to add on fees and charges, including late fees, even though the car was paid off. They stated my account is 9 days past due, even though they admitted receiving the payoff amount on XX/XX/XXXX. They have no solution to correct the account, and continue to tell me that I need to make the payments or else it will be reported to the credit bureaus. I was further advised that since my payment is " 9 days late '' ( as of today ) that this will be reported to the credit bureaus. I have had nothing but problems with them since I first financed my car through them. For instance, I received a 60 day deferment in XX/XX/XXXX after being in a declared emergency area due to Hurricane Irma. However, they reported to the credit bureau that I was late. To continue to harass me with calls and letters and e-mails saying I'm late and to continue to assess fees and charges to my account and inaccurately report to the credit bureaus after my account was paid off on XX/XX/XXXX is fraud. I would like this investigated and for Hyundai to correct the problem.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CARCO Group, Inc. (NC)

On XXXX  a background screening company called DriverIQ reported erroneous information about me, XXXX job offers were resented as a result of this. I have contacted the DriverIQ numerous times to have this information removed, in XX/XX/2023 I received a letter from them stating that they have verified the information is correct I proceeded to ask for supporting documentation such as police report, photos, damage report, crash report, etc. They have refused to provide any documentation to substantiate their claims. On XXXX I received XXXX return letters it would appear that DriverIQ is simply taking my letters back to the post office and claiming that it is not their address I have returned receipts that show otherwise in addition I was also was able to verify the address via their website. On XXXX I asked for a description of the procedure used to determine the accuracy and completeness of the information, I did not receive a response. 

Special notes Driver IQ is a subsidiary of Cisive a background screening company.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have known that i was a victim of identity theft for a while now, however i have been unsucessfull in. getting this account removed. Finally i have to resort to filing a police report. The account is XXXX XXXX. Please block this account from mycredit as required by law.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am not liable for this debt with XXXX XXXX XXXX for {$1900.00}. I do not have a contract with XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I looked at my credit report in XXXX of 2020 and notice that there was a hard pull on my credit report from SHELL/CITIBANK, NA. On XX/XX/2020, I sent them a letter to the address that they provide on the credit report ( XXXX XXXX XXXX, XXXX, DE XXXX ). The USPS returned it with a yellow sticker that said " Not deliverable as addressed ''. I have also tried calling them and I can't get past the automated system because I don't have an account with them. I can not speak to a live person. I did not authorize this inquiry and it needs to be removed. I tried disputing it back in XXXX, 2020 and my attempt failed due to inaccurate information that SHELL/CITIBANK, NA is providing for people to dispute.
Consumer complaint received 2020-05-25
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. (HI)

I bought a 35 mm camera at XXXX.When there I applied for a XXXX XXXX card.The date for this was XXXXI applied for the XXXX  card because I wanted to save {$25.00} on the purchase of the camera. Equifax gave them my past history.It was never revealed to me what past history was used. There is a Statute of Limitations for Debt collection. I want Equifax to put in writing the reason I was turned down. Not 'due to your past history etc. 'What 's the reason? Where are the facts? 

sincerely, XXXX XXXX PS. Your Complaint process is too long and hard to find.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

I was notified that are info was released accidently by a firm we did business with in the past. I then put a freeze immediately at XXXX and XXXX. Now my last one Equifax says that their system is down try later. I tried fir several days and nothing. Then I starting getting fake robo calls that a code I requested was coming in followed by a code. I hung up on this several times 10 to be exact. To me it seems suspicious that equifaxs system is always down and then I got these calls. I believe that they are scaring consumers so that they will sign up for credit protection services, rather than allowing consumers to freeze their accounts.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2020-11-25
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. (NC)

Citi bank mastercard was charged {$940.00} in a 30 day period from XX/XX/XXXX to XX/XX/XXXX a total of 5 charges totaling {$940.00} from all from XXXX. This should of been flagged as fraud as we do not and have not used the card in over a year and have a perfect payment history on the card dating to XXXX. We called citi and my wife got a customer service rep in an overseas call center who could not speak clear english and kept reading a script to her. He would not give an operator ID and would not escalate the call. He advised my wife to make a payment on the disputed charges " to protect our credit '' on fraud charges that were being disputed. I called the same day and got an overseas customer service rep and requested the call be transferred to a US based customer service rep. The first customer service rep ( US Based ) also refused to give name or operator ID, when I said I would file complaint with the CFPB, State Attorney General and the FTC, at that point the call was transferred to a Credit Manager by the name of XXXX, Team ID XXXX, XXXX took the info and confirmed that the charges did not match the account history and placed a high priority on the account to the fraud department. I can get no time line and would not of received the service if I did not state I would file a formal complaint with the CFPB. A major concern was the attempt from Citi overseas based CSR to collect on a disputed and clearly fraud charge " to protect our credit ''. This is a violation of the FDCPA and card holder agreement. It should not require a threat to a company like Citi on a clear disputed fraud charge to do the right thing and transfer the call to a level appropriate with the complaint. The charges have not been resolved to date and no date given to resolve. XXXX stated he would monitor the account and agreed the charges were not in line with account history or activity in 20 years it has been open.
Consumer complaint received 2024-10-23
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. (NJ)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.