davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-12-30
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. (CA)

I recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report. XXXX XXXX Acct XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this ad on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 91681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2020-07-11
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 — Problem with personal statement of dispute
Company: AES/PHEAA (WI)

To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my FEDLOAN SERVICE account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I talked with one of the representatives that work for your company and I set up for them to withdraw monthly automatic payments from my checking account. I did not realize that I had a derogatory account until after I got a notice stating that I was 120 days late. I was under the impression that the payments were being taken out of my account faithfully. 

Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

Currently I am applying for a mortgage and financing anything has been a struggle. It has come to my attention that the missed payments on my credit reports have hurt my ability to qualify for anything. 

In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the 5 late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020, I wanted to deposit {$1800.00} into my Chase checking account. I went to a local Chase bank and deposited using an ATM. I received a deposit slip saying to make sure your funds went through, call xxx-xxx-xxxx. After I received the slip, the screen said not accepting deposits at this time. I called the claim department at Chase and they asked for all the numbers on the slip and issued me a credit {$1800.00} ... {$10.00} less than the amount I deposited after the lady on the phone correctly stated the amount was {$1800.00} to me. A week or two later, Chase says they did an investigation and the Chase bank I used stated there wasnt any extra money in that ATM since they did an audit that day, which is a LIE. They even stated that there is no evidence of a deposit yet had my deposit slip on file. There should have been {$1800.00} extra. Then Chase withdrew {$1800.00} from my account leaving that amount in overdraft charges. They keep demanding I pay that amount to them but its a fault on their end. Theyve done this to many people, and Ive read their stories, and I need this to be checked out. I cant and refuse to pay this amount. That cash I worked so hard for, for them to just take it and lie to my face.
Consumer complaint received 2021-05-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NC)

I have contacted this company about this account that they are reporting and trying to collect. I have never had service with XXXX XXXX XXXX and I have stated that to the debt collection company, and they continue to respond with XXXX XXXX XXXX information. I have also contacted XXXX XXXX XXXX and they can not find such account
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (NC)

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been reporting late payments and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " 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, XXXX, XXXX etc. 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 that customer nonpublic personal information. '' 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 reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2019-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I received an alert that there was a transfer in the amount of {$1600.00} out of my checking account. I did not authorize a transaction for that amount, so I logged into my bank account and found that someone has transferred {$1500.00} from my 1 year old son 's custodial savings account to our checking account and made a XXXX Payment in the amount of {$1600.00}. The thing was the name was familiar, so I contacted the person because we are good friends and of course it was not them, even the number attached to XXXX   Payment did not match. I contacted the fraud department at Chase Bank right away and froze all accounts and reported the fraud. They said it was done through my login and device, however, I did not complete these transactions, obviously I was hacked. Next day went to the bank and closed all accounts and credit cards and opened new ones. I had noticed also there were small XXXX amounts being deducted the whole month of XXXX from his Savings until they transferred the large amount out. I put in a second claim and that one was refunded. However, they are now saying after a month of telling me one story after another. Chase has said they will not refund the money for it is not a fraudulent charge. It was not done under my account and usual device no flags came up. Even though I am disputing the payment and I did not make the payment. They told me there is nothing they will do. So now my son lost {$1500.00} through XXXX Payment to someone and they got away with it.
Consumer complaint received 2024-10-24
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. (FL)

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by Equifax, and I have noticed that transactions related to the XXXX XXXX XXXX account with the number XXXX have been incorrectly marked as late payments and reported by XXXX, Equifax, and XXXX. 

According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. 

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX ) constitutes a violation of 15 U.S.C. 1681a. 

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Consumer complaint received 2024-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (KS)

I was checking my credit card account on XX/XX/year> when I noticed I had a balance on my card over my credit limit. I found two transactions for {$170.00} and {$170.00} on XX/XX/year> that I did not make the purchases on. These two transactions never should have went through, and the bank that this credit card is with does not have an sort of easy complaint form for this type of fraudulent activity, as well as I was not informed of these transactions as required by law. I am very furious at this situation, as I just lost my job and having a credit card balance over the credit limit of the card is unfair.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

My mortgage company ( XXXX XXXX ) has tried to pull my Equifax report on two separate occasions, but is told that the report is suppressed. When I called Equifax, they claim it's not suppressed. The reports for XXXX and XXXX were provided ( through XXXX XXXX ) to the mortgage lender. I have also been able to access my Equifax report through credit monitoring. 

On XX/XX/2019 I faxed an affidavit to Equifax asking for removal of any suppression so that the lender can use the report, and on XX/XX/2019 I spoke with a gentleman named XXXX. He told me that there should not be any suppressed notation on the credit file, and to have the bank try again. 

This problem is interfering with the closing of my mortgage loan, and I need to know how to fix the problem as quickly as possible.
Consumer complaint received 2022-05-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (ID)

On XX/XX/XXXX, I received loan modification paperwork by Flagstar Bank to modify my mortgage loan on the property I occupy as my residence. Included in the loan modification was a partial claim promissory note to the Department of XXXX XXXX for {$43000.00}. The loan modification updated the new principal loan amount to {$200000.00} from {$240000.00}. The partial claim accounting conducted by Flagstar Bank violated federal code ( Title 38, Chapter 1, Part 36, Subpart F, 38.4805 ) by allowing for additional funds that were not authorized by the partial claim program to be used to modify the loan. The original mortgage payment was {$1300.00}. During the COVID-19 pandemic I was granted a forbearance of 12 contractual payments, totaling {$16000.00}. Using 38.4805 as guidance the amount for the partial claim should have been {$16000.00}. I signed the loan modification documents assuming that Flagstar followed the required federal guidelines for the partial claim instrument. The loan modification paperwork I signed, including the partial claim loan promissory note, stated that the partial claim loan was " not assumable without the approval of the XXXX of XXXX XXXX or its authorized agent ''. I realized their accounting error in XXXX of XXXX. The second federal violation occurred when in XXXX I attempted to refinance my home loan through another lender ( XXXX XXXX  ) in XXXX of XXXX. The underwriters at XXXX XXXX  found that Flagstar had issued a secondary XXXX on the title of my home without the approval of the Department of XXXX XXXX, and XXXX Mortgage had not received any information from either the VA or Flagstar regarding loan pay-off amounts to complete the refinance. When I attempted to obtain the payoff of the entire loan through Flagstar in XXXX of XXXX, representatives of Flagstar directed me to the VA and XXXX XXXX ( servicer of the partial claim ). After speaking with representatives of the VA, the VA had rejected the partial claim submitted by Flagstar due to insufficient information, including the accounting used to calculate the partial claim. XXXX XXXX has no record of the partial claim submitted to their offices. Flagstar fraudulently initiated a lien on the title without having received permission and approval by the XXXX of XXXX XXXX ( or his/her representative ). Flagstar was directed in XX/XX/XXXX by a supervisor at the XXXX XXXX XXXX XXXX XXXX to releases the partial claim XXXX on the title, yet to this day has still not corrected their error or released the lien. Due to the mismanagement of my mortgage account, I am in immediate danger of losing my refinance terms and opportunity. My attempts to reconcile this issue with Flagstar have been unsuccessful, including at least 10 phone calls between XXXX and XXXX of XXXX. Flagstar Bank is also attempting to violate the terms of the loan modification by adding the {$43000.00} to the total mortgage loan amount owed without prior agreement by myself or the Department of XXXX XXXX.
Consumer complaint received 2023-11-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Brightfunders, LLC (MN)

I received the attached misleading marketing material from Lower LLC after applying for a loan with another lender. I understand that Lower LCC is permitted to send pre-screened offers of credit under FCRA, however the letter appears to violate several provisions under Regulation N.
Consumer complaint received 2021-09-06
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. (MA)

I am XXXX XXXX and I am submitting this complaint myself and there is no 3rd party involved. I reviewed my credit file and realized that I there is an old XXXX account still reporting on my file. I no longer do business with XXXX and the the old account is adversely effecting my reputation as a consumer. I never gave permissible purpose Pursuant to 15 USC 1681b Permissible Purpose for this account to be reported on my credit file and it is not fair or equitable to me as a consumer.

A consumer credit report should be equitable and fair to the consumer and should not contain any information that i
s adverse to the consumer pursuant to 15 U.S.C. 1681d Disclosure of investigative consumer reports.
Consumer complaint received 2022-05-19
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. (TX)

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3800.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KY)

I got my equifax credit report on XX/XX/2021, send a dispute letter to equifax on inaccurate reported items. I go back to check the results XX/XX/2021 and I have no trade lines, no name, nothing on my equifax report? How is this possible?