davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (IL)

Hi my name is XXXX XXXX Im Having A Problem This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) 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 Account name - XXXX XXXX XXXX - open XX/XX/2023 XXXX XXXX XXXX open XX/XX/20XXXX XXXX XXXX XXXX open XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2023 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc. (NY)

I got a government loan sent to my account figured I will try to send to my XXXX bank as regular banks are very strict with some deposits. I sent my loan deposit to moneylion I was able to make few purchases and withdraw some funds for biz purposes and next thing u know my account is frozen .. my phone was hacked via email I think someone sent bogus documents and tried to take matters into there own hands ... I tried to do everything in my power to get my account opened back up .. tried to send my actual documents they said that wont matter .... fast forward Its been 6 months I have about XXXX in the account they tell me my account is closed but they have been charging me admin fees for XXXX every month ... so Im being lied to and they are slowly draining my account .... please help
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NJ)

I'm a victim of identity theft and have no history with XXXX XXXX. Direct communication with the bank confirms no record of my association. Information suggesting otherwise is inaccurate and tied to fraudulent activities. I'm actively resolving this issue, reported to authorities. Kindly assist in rectifying any erroneous XXXX XXXX-related records.
Consumer complaint received 2019-04-27
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. (MN)

i wrote equifax about XXXX XXXX reporting an unverified account on XX/XX/2019 certified mail return receipt and ask them to verify or remove it.To this date they have did neither one and im asking that this negative item be removed off my credit report if not done within the 30 days by law.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XX/XX/XXXX XXXX and all payments were placed on Autopay. 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 to be removed/updated.

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. 

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!
Consumer complaint received 2024-10-23
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. (IL)

I recently obtained a copy of my credit report and disputed inaccurate accounts that I do not recognize as doing business with. To be told that the accounts came back as verified without providing me with the requested information from the investigation process was a direct violation of my rights. I have attached a copy of my FTC Identity theft report as well as FCRA 605 ( B ), FCRA 609 ( e ), and FTC Notice to Furnishers. I have not felt the need to use my credit since XXXX of XXXX because its too stressful to deal with. What's even more stressful is finding out that hackers and scammers can gain access to my information and do all types off things that seems impossible to catch or track down. The point of me abandoning this highly stressful credit system was to avoid negative and derogatory things being reported. Even though I rather my report to show that I have little to no history, I still don't want it to look as if I owe debts. This is also inquires from XXXX and XXXX that I did not authorize or give consent to obtain my consumer report. XXXX, Equifax, and XXXX have failed to protect my consumer rights and properly investigate fraudulent activity. They have failed to follow through with providing verification methods and proofs of purchase agreements from all collection accounts. There is no need for me to spew off a bunch of consumers laws that have been violated because all three major credit bureaus should know them.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I opened an account online about a month ago. Then I went in person and made a {$5.00} deposit. The only income I have is my Social Security. I made arrangements to have my Social Security check direct deposited into that account. On Thursday, XXXX, Chase closed my account. I was given no notice of the closure I found out when I went online to log into the account. So I called Social Security to ask them not to deposit the check into that account. SS said it was too late to stop the direct deposit. The cut off date was the XXXX, the day before. I got in touch with Chase, they said they could not help me. I asked them to just let Social Security deposit the check, and I can come get it in person. Chase said no. Chase said when the check hits the account, it will be returned to Social Security right away because the account is closed. I called SS. SS said Chase didn't return the check. I called Chase. They sent me to the fraud dept. I talked to XXXX. She said a Chase check was mailed out ot me on the XXXX. She said there is nothing they can do to help you. XXXX said they had no reason for closing the account, and kept repeating " there's nothing we can do to help you. I'm going to go now, there's nothing we can do to help you. '' XXXX said : " customers close their accounts all the time, and don't tell us why. '' I am in tears. I called back and talked to XXXX, sais I was going to sue them. He transferred me to executive offices. XXXX apologized and gave me a case number XXXX. I still don't know why they closed the account, and I am livid about them holding my Social Security check, and acting like it's nothing. It's not nothing, I have bills to pay before the XXXX. I've been waiting and waiting on that check, frantic with worry.
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: EQUIFAX, INC. (FL)

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 2024-11-01
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)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. these remarks have been detrimental to my life and my credit health.
Consumer complaint received 2020-11-18
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: EQUIFAX, INC. (PA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX XXXX to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
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: EQUIFAX, INC. (NM)

I was a victim of the Equifax data breach.My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has done nothing. please help me delete these illegal accounts from my credit reports. 

Account Names : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX {$920.00}
Consumer complaint received 2022-04-24
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: HYUNDAI CAPITAL AMERICA (OK)

XXXX I lost my job. I worked out multiple payment plans, waiting on a check from the XXXX XXXX to help with payment during financial burden. I was to call once a week and let them know what was happening with the check and if it was approved etc. My first question was will this hit mine and my co signers credit. They said absolutely not. I had till XX/XX/XXXX to catch the account up. This ended up hurting our scores by XXXX points due to late payment after, after we were told it would not due to being in compliance of a payment plan!
Consumer complaint received 2020-11-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

I disputed an account with all three bureaus. I have attached the initial letters and also the follow up letters for all three bureaus with this one account. In the letters, you will find the dates, amounts, and inconsistencies on the account and across all three bureaus.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VT)

XXXX XXXX provided incomplete and improper information in their XXXX  application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. 

What was not apparent ( and in no way visible using their XXXX  application, which is the primary way I interacted with XXXX XXXX ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. 

So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( XXXX XXXXXXXX {$3.00} ) and applying it to the account. 

How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? 

This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. 

Over {$2.00}!!! 

The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. 

I have since closed my accounts with XXXXXXXX XXXX
Consumer complaint received 2021-12-23
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: WELLS FARGO & COMPANY (GA)

On XX/XX/2021 I have viewed my XXXX credit report and notice that there is an unauthorized inquire place in my file. This company has put a hard pull inquire on my XXXX. I have sent them letters explaining to them that I have not given any such authorization or signed any documents allowing Wells Fargo dealer service to RUN my credit. I have asked them in Both letter to provide me with A copy of the loan application with WET Signature. If they cant provide me with the information I requested, I ask that they remove this inquire from my XXXX Report. They have failed to provide this information and using stall tactics. This inquire still remain on m report.
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

XXXX XXXX XXXX has been mailing me bills for years that is not mine. I have returned to sender items and written that it is not mine as I AM NOT XXXX XXXX. 

I have moved XXXX times and the debt has followed. They recently reported it to the credit bureaus and negatively effected my credit. I disputed it. The company continues to bill me. This needs to be removed from all three bureaus and they need to cease mailing me.
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Academy Mortgage Corporation (GA)

I am writing to bring to your attention a matter of significant concern regarding deceptive practices by Academy Mortgage, relating to my recent home loan experience. I completed the loan process and closed on XX/XX/XXXX, only to discover undisclosed charges for buy-down rates just three days before the closing date. The loan officer was aware that there was a cost for the interest rate that was presented to me and failed to disclose the cost. 

The lack of transparency surrounding these additional costs, left me in a vulnerable position. The decision between accepting unexpected expenses or facing homelessness was forced upon me due to the loan officer 's unethical actions. Attempts to address my concerns were met with a dismissive response, indicating a lack of willingness to address the issues at hand. 

Numerous attempts to contact the loan officer and management have proven unsuccessful. The rate was only locked in at the last minute, despite my request 30 days prior and I am left uncertain about the details of the rate buy down. This situation raises serious concerns about how many others may have closed on loans under similarly pressured circumstances. 

They presented the seller to increase the sale price of the home to the appraised value. Then they used {$9000.00} of that amount to pay their down fees. I came out of pocket with the other XXXX. 

I implore the CFPB to investigate this matter thoroughly. Your attention to the deceptive practices employed by Academy Mortgage and their potential impact on consumers is crucial. I believe that such actions should not go unchecked, and the responsible parties should be held accountable for their unethical behavior. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to safeguard consumers and uphold fair and transparent lending practices.
Consumer complaint received 2020-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Texas Guaranteed (OH)

I received a letter from the Trellis Company on XX/XX/2020 claiming that I owe {$11000.00}. They went on further to say that I defaulted on this obligation. I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe {$11000.00}, and they would proceed with contacting the U.S. Department of Education to resolve the issue. It appeared that they were coercing me to make a decision. There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds. I financed my education for my degree with grants, scholarships, veterans financial aid, work study, and regular employment with two jobs. 

I need Trellis to be forthcoming with specific details. I am currently paying for defaulted student loans with an offset of my social security and income taxes with the United States Treasury. My current financial situation is dire and difficult I have fully cooperated with my lenders. I am currently on an IBR because I am at the poverty level, and I have a serious medical condition with high medical bills and prescription medicine that I take. My medicine is life critical medicine, if I do not have any or can't purchase it, I will die from not having the proper medications. I am XXXX years old and an XXXX XXXX XXXX Veteran.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX I received a notice in my Chase message online account that there was a request to recall a wire transaction which was deposited on XX/XX/XXXX. After reviewing the transaction, I responded denying the recall as this was a valid transaction for a customer purchasing an engine and we had already sent the product. I did not receive a response from Chase. On XX/XX/XXXX I learned my account had been frozen, I called into Chase and they told me it was frozen due to this transaction. I spoke to the Treasury department who said they did get my repsonse and they denied the recall and the case was closed on their end. The freeze is from another department, however this department does not have a contact phone number and they only reach out to you, you can not contact them. I was asked if the transaction was valid, I answered yes and explained what is was for. I was told to bring paperwork into a branch, yet not informed what this paperwork was, they just said anything to show the transaction was valid. At this time, i had already been in contact with the customer whos bank had placed the recall, which was done in error as the product had already been shipped. The customers bank XXXX XXXX XXXX XXXX had withdrawn the recall, although Chase stated they have not received this. Being without any contact information for this department i Had no number to give to XXXX XXXX XXXX XXXX in order for them to contact Chase. To date nobody from chase has contacted me, nor did they prior to this freeze, and they have frozen more much more than just this transaction and have caused major financial harm by denying withdrawals and checks have bounced. How this has happened i am not sure, as they have continued to keep the account frozen ever after XXXX has withdrawn. I am requesting immediate release of this account which has been frozen without cause of due process.