davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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. (CA)

I, XXXX XXXX, asked the credit bureaus to do a verification through a thorough investigation of the items listed in this complaint and also listed below on my credit my credit report. They stated that the accounts had been verified as accurate. However, I did an investigation into my credit report myself and found inaccuracies after they did their thorough research. 

Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts # : XXXX, XXXX, and XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

I am writing to file a formal complaint against Ally Financial for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Ally Financial placed a collection account on my consumer report claiming that I owe {$1900.00} without issuing the perquisite notice and without notifying me of my right to dispute this alleged debt. I hereby declare my revocation of all communication channels with Ally Financial, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. I am also concerned because the information is not accurate because it does not match among the XXXX credit bureaus.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  # XXXX XXXX XXXX FIN # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency XXXX include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (CA)

Please reference complaint XXXX as the investigation requested in that complaint have no been completed in the proper timeframe and Equifax is clearly trying to avoid investigating. The received 3 forms of ID with address and utility bill with credit report print out. They are asking for the same documentation over again please see all attachments to the referenced companies. All must be deleted immediately the law only allows for 30 days and it has been more than 50 days.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: ZIONS BANCORPORATION (AZ)

XXXX XX/XX/XXXX I was referred to XXXX XXXX by the Builder I hired, XXXX XXXX . I applied for a loan via XXXX XXXX, relationship manager. 
XXXX ) When discussing mortgage with XXXX XXXX, I requested a fixed rate Loan. XXXX XXXX told me XXXX was the only program when converting the construction loan to a Mortgage. 
XX/XX/XXXX I emailed XXXX XXXX, he responded with bank does not offer long term fixed rates. I was never provided with any fixed rate mortgage options. 

2 ) Home Inspector did poor job ; he commented he could not see the air condition handler, but he did approve so Builder received payment. Bank Inspector stated there were gates on sight. Builder did not install gates on each side of house and filed mechanics lien to receive payment. Builder used Bank Inspector comments to request payment. XXXX XXXX referred me to XXXX XXXX. She emailed me copy of contract regarding Bank Inspector. 

XXXX ) XX/XX/XXXX In a meeting the Arizona Registrar of Contractors, City of XXXX, AZ Inspectors and XXXX builders, XXXX XXXX, XXXX stated the Bank said I was complaining on bank Inspector and that I was saying bad things about XXXX XXXX. 

XX/XX/XXXX I emailed XXXX and XXXX, why was my confidential complaint discussed outside of the organization. XXXX responded he did not discuss my complaint with anyone outside of organization. 
XX/XX/XXXX I emailed XXXX to file unethical complaint on XXXX XXXX, refer me to Human Resources, or if she is the one to discuss my complaint. XXXX referred me to zionsbancorp website to file complaint. 
My complaint should be confidential. Why is the bank discussing my complaint with others outside the organization?
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2022-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OK)

I received a federal student loan. It was in deferment for Covid... I though it was still in deferment and got a call from a debt collector saying my loan in in default and sold to collection agency. Loan servicer is trying to tell me that it was a private loan. I never signed any documents to change or consolidate any of my student loans. My other student loans are through XXXX and doing just fine, all {$45000.00} of them. The agency telling me that they were private loans is AES ( aessuccess.org ). Aes said they will send me original documentation on original loans dispersed in 2007. I will follow up once these documents are received. I have never had any trouble with placing these loans on deferment. They have been placed on disaster area deferment before as well, when we lived in XXXX during Hurricane Harvey.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have an unused prepaid {$100.00} gift card from American Express, embossed with my name. Because of covid concerns, I did not eat out for 2 years. Then in 2022 when I tried to use my card, the merchant rejected it. I contacted American Express using the phone number on the back of the card, as well as the number that original number directed me to ( gift card division ). Both told me they have no record of the card. I WAS HOLDING IT IN MY HANDS!!. I went to addresses listed in XXXX to find a local branch in XXXX XXXX AND ALL WERE NON EXISTENT, despite being listed online. Wasted hours trying to find a live person. 

I wrote to corporate headquarters copies of the same detailed complaint to various members of their executive committee. Letters dated XX/XX/2022. One assistant - XXXX XXXX contacted me by email again saying the firm had no record of my card. XXXX  never returned a phone call. 
So I contacted his identified boss, XXXX XXXX, in a second letteer and again restated my case in writing that I had a pre paid card ( expired on its face ) but according to CA and NY law they can't expire. And told him his assistant blew me off by not returning a call to his boilerplate email of we are doing anything. 

American Express never identifies my complaint with an internal code number. So another self serving email by them ( after my second mailed letter ) is sent saying they don't have enough information. Yet with each correspondence sent by me I sent photos of the card, front and back and a photo of my holding it. 
AMERICAN EXPRESS IS STEALING FROM ME. THEY HAVE THE FUNDS FOR PURCHASE OF THE CARD, XXXX WON'T REFUND IT OR PROVIDE A WORKING CARD. Their boilerplate emails say they can't help me because they don't have information. They do. They have the card number ; they have photos. No one ever returns a call, despite offering their number on their emails. 
I BELIEVE THEY ARE VIOLATING FEDERAL LAW AS WELL AS CA AND NY LAW. 

I want the {$100.00} refunded to me.
Consumer complaint received 2022-09-29
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. (AZ)

I have submitted information to the three credit reporting agencies regarding the balances on the following account and they have not updated as of yet and are being negligent. 

XXXX XXXX XXXX Account ending in XXXX confirmed balance of {$520.00} with a credit limit of XXXX. 

Loan Account Number XXXX original amount of the loan was XXXX and the remaining balance of the loan as of XXXX is {$50.00} to be reporting Loan Account Number XXXX original amount of the loan was {$25000.00} and the remaining balance of the loan as of XXXX is {$50.00}. 

I attached documented proof and I want the accounts updated effective immediately.
Consumer complaint received 2022-09-29
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (IL)

I want GM Financial to provide a clear title to my car and send a release to the State of Illinois to have XXXX XXXX XXXX XXXX XXXX removed from my title. Either obtain a release from XXXX XXXX XXXX XXXX XXXX or provide a Certificate of Error indicating XXXX XXXX XXXX XXXX XXXX XXXX should not have been added to title. 
GM Financial, XXXX XXXX XXXX XXXX XXXX  sent the lease agreement to the State of Illinois, Secretary of State so that XXXX XXXX XXXX XXXX XXXX would be lien holders. 
Because of the actions of GM Financial, my car title incorrectly listing XXXX XXXX XXXX XXXX XXXX as lien holders. 
Background. 
I leased my vehicle in XX/XX/XXXX at XXXX XXXX XXXX of XXXX XXXX. My lease payments were arranged with GM Financial. My Lease Payments were made to GM Financial. My vehicle is a XXXX XXXX and was new at the time of the lease transaction in XXXX. 
XXXX XXXX XXXX XXXX XXXX was also named as being involved in the lease transaction. I am not certain, but XXXX XXXX may have provided financing as a third-party so that the lease company could purchase the Vehicle. A search of the internet revealed that XXXX XXXX, XXXX XXXX & GM Financial are Partners XXXX XXXX XXXX XXXX XXXX are still listed on my registration & title as lien holders. 
I obtained a pay-off from GM Financial and paid-off the lease in full over two years ago. a conventional auto loan to pay-off the lease from XXXX Bank XXXX I refinanced my loan with XXXX XXXX in order to get a lower rate. 
My payment summary is as follows : XX/XX/XXXX Obtained Lease from GM FINANCIAL. Lease term was 39 months & the lease was paid-off early. 
XX/XX/XXXX obtained a pay-off from GM Financial for remaining balance to purchase the vehicle. 
XX/XX/XXXX opened XXXX XXXX account & Paid-off GM Financial Lease Agreement in full . 
XX/XX/XXXX Opened XXXX  XXXXXXXX XXXX XXXX & paid-off Chase Auto XX/XX/XXXX Chase Auto reported being paid-off Since XX/XX/XXXX I have had a car loan with XXXX XXXX. 
XXXX XXXX advised me that they have been trying to obtain a clear title since the account was opened and have not been successful. 
Attachments : Email summary sent to GM Financial. 
Illinois Secretary of State title information Showing XXXX XXXX on Title Illinois Secretary of State title release information to be completed by GM Financial. 
Letters from XXXX XXXX indicating they have no knowledge of a related account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Incorrect Personal Information : NAME : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

My husband and I switched to Mr. Cooper for our mortgage a few years ago- I believe everything was finalized XX/XX/XXXX. We received a certified letter from XXXX XXXX XXXX XX/XX/XXXX stating that our city and county taxes were not paid for XXXX. When I reached out to Mr. Cooper XX/XX/XXXX to find out why the XXXX taxes werent paid out of our escrow by the due date at the end of XX/XX/XXXX, I was told it was an error on their part and that the taxes would be paid out of our escrow, with all penalties and interest paid by Mr. Cooper, within 5-7 business days. When the delinquent taxes still were not paid 2 weeks later, I again reached out to Mr. Cooper. I was told at that time that they were waiting on XXXX XXXX to verify how much they owed. I live in XXXX XXXX, and I asked them to pay XXXX XXXX XXXX. I corrected them, and I was told they would ensure the tax cert was sent to XXXX XXXX XXXX. These delinquent taxes still were not paid several days later, so I reached out to XXXX XXXX XXXX  directly, who stated they never received any communication from my mortgage company. When I called Mr. Cooper back to ask for clarification on this, I was told Pennsylvania  had a blackout period and the taxes were unable to be paid until XXXX or later. I explained that it was now XX/XX/XXXX, and I was then told I just needed to give it more time and that there was no set time that the blackout period would be over. I requested they conference call in XXXX XXXX XXXX to explain why the taxes would not be paid within XXXX  days of notification as stated in the certified letter, at which time XXXX XXXX XXXX stated that there was no blackout period. The escalation manager reportedly sent a message to Mr. Coopers tax department ( he stated they were XXXX ) stating that and was told they were researching this. I spoke to someone else at Mr. Cooper later in the afternoon XX/XX/XXXX, who stated that, if I sent a copy of the certified letter from XXXX XXXX XXXX to them, my taxes would be paid that evening. I sent an email to Mr. Cooper with those documents attached that very evening, and, upon calling today XX/XX/XXXX, the taxes still have not been paid. I was again told by the escalation manager at Mr. Cooper that I needed to give it more time. Despite that I have repeatedly stressed over hours on the phone over the past several weeks my fear of being taken to court and/or having my house foreclosed on for not paying these taxes, they still have not been paid out of my escrow. Im not even sure what Im waiting for for them to be paid as I already sent over the documents detailing everything they needed. I cant get an answer from Mr. Cooper either, as they state that their tax department ( XXXX  ) doesnt do customer service and can only respond via email ( which I sent an email to them over 3 weeks ago and never received a response ) or chat with a Mr. Cooper representative.
Consumer complaint received 2022-09-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Received a large envelope of documents from BoA attorney. They start XX/XX/XXXX when an FHA mortgage was forged against our property. What I requested was the FHA documents payments from XXXX to XX/XX/XXXX. HUD requires retention of ALL documents payments collected by FHA servicers Countrywide  XXXX should have them. BoA should have gotten them when they took over the shut down for fraud company. They need to send those.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, 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. (OR)

XX/XX/XXXX Equifax said they could not complete my online application. I was told a " verification code '' would be mailed to me in 3 days. It is XX/XX/XXXX and I have not received it so I phoned, and the automated system was terrible, would not allow access to a live person to speak with. Instead a long list of dates and supposed credit card names and businesses were read nonstop and made no sense because not a single one of them was true. I have had my current credit card with for 26 years and have had no other one ( I had a couple in the XXXX that I cancelled ). It sounded like someone else 's information as though they had made a mistake and were not using my information. I got very upset by their system. 

For the first time I have requested from Annual Credit Report.com my 3 free reports and both XXXX XXXX and XXXX turned out fine. So Equifax is making me worry and I am XXXX  and have no one to help me. I have frozen those two reports because I received a letter of a data breach from my bank, and a fraud sounding letter that I did not reply to since it sounded absurd. I need to get the Equifax problem resolved and it is up to them to communicate with me. I have not been able to complete my request with them, online or by phone and with no one to talk to from their business, It is all automated unfortunately.
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (MI)

The XXXX owns the all caps entity with the same name as me. I am XXXX XXXX, not XXXX XXXX. I am living entity of the all mighty and the all caps is a corpus entity. I rescind signature on a fraudulent contract with fortiva. All contracts in statute is written in malfeasance of office, surety is being claimed by the Actual creditor, the living man when it belongs to the dead, corpus entity solely. Forced or misleading information is grounds for immediate voidance of contract. You can't take my credit and offer it back as debit ( debt ) and charge me when it is my value that created the fed res debt notes. 

You are hereby challenged to present a true bill of XXXX and when you can't all must be eradicated. It is unlawful to sell debt as a non contractual party has NO standing in the said contract or the upholding of any actions written in it. Conditional acceptance for much more money is the next option and I will collect on the injuries and damages created by all corporations involved facilitating such non sense as acceptable, I mean every one.
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXX Account Number : XXXX XXXX : {$8500.00}
Consumer complaint received 2022-08-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

From XX/XX/XXXX until the month of XXXX of XXXX I have submitted multiple requests to have information verified and each time nothing happens. Please examine my documents I have put together that shows the credit bureaus incapability to assist me in the matter. 

As of XX/XX/XXXX I have received response from Equifax and XXXX. Both companies are 100 % certain the investigation they conducted was thorough and fair. Attached will be a letter thoroughly explaining what information is wrong and from what accounts.