davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

There was a vehicle purchased in my name and I haven't purchased a vehicle in 2 decades or more. This was a huge truck fully loaded for a big strong man, I'm a small woman my height is 5ft and I don't buy vehicles because the car payments are two high. I'm XXXX living on a fixed income and I only get paid once a month. I could get approved for a vehicle that expensive in my dreams. The bank is Credit acceptance and I told them it's fraud.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received a letter from Capital One dated XX/XX/year> stating that they have sold my information to a third party. This is a direct violation of my right to privacy as I did not consent to have my personal and private information shared with anyone. Pursuant to 15 USC 6802 ( b ), financial institutions shall not disclose nonpublic personal information to a nonaffiliated third party unless the financial institution clearly and conspicuously discloses to the consumer that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Unfortunately I was never given the opportunity to state whether or not I want my information given to a nonaffiliated third party, nor was I told how I can exercise that right.

Pursuant to 15 USC 6803 ( a ), financial institutions shall provide an annual privacy policy disclosure, however I have not received a disclosure from Capital One whatsoever. If the account has just now been sent elsewhere, then I have should have been receiving annual disclosures pertaining to their Privacy Policy while the account was opened.

Capital One has deprived me of my rights which is a crime pursuant to 18 USC 242.
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (CA)

On XX/XX/23 I was in a car accident with a 4 day old XXXX. The other driver was at fault. My insurance paid US Bank {$75000.00} and the payoff of the car was only {$42000.00}. The leasing company US Bank kept the total of the payment from the insurance when we should be entitled to the balance after the payoff for the lease was covered as we are out {$8000.00} for our down payment plus additional costs of obtaining a rental car, etc. The leasing company would not budge in paying anything even though our insurance paid well over what they needed. They are basically profiting off of me being in an accident especially since I only had the car for 4 days.
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I am a victim of fraud. XXXX XXXX XXXX who has an account with XXXX XXXX used my debit card to make his car payments without my permissiion. I have contacted the XXXX  and XXXX response was more about protecthing him then the fact that he stole my money. I contacted my bank to dispute the transaction but XXXX XXXX has yet to make it right. This transaction happened on XX/XX/2023 in the amount of XXXX. This company lets him ride around in a car that he stole my money to pay for. This is just insane. I will never purchase any product from XXXX and will tell all of my friends and family to stay away from XXXX and XXXX.
Consumer complaint received 2024-10-30
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)

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX / XXXX XXXX. XX/XX/year>, I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX. XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX  XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CARD Corporation (TX)

On XX/XX/2024 I received an email from Card.com that my account has been approved. I had not signed up for a Card.com account. On XX/XX/2024 I emailed Card.com customer support to request assistance. On XX/XX/2024 I received another email card.com security regarding information about my card and that they were cancelling it due to not being able to verify my information. On XX/XX/2024 I received another email that my card was on its way. By XX/XX/2024 the card was in my mailbox. 

While I was receiving these emails I was also receiving calls from people at Card Services wanting to verify my identity with an old company email address I had 3 years ago.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

THIS ACCOUNT IS A JOINT FRAUDULENT ACCOUNT. SOMEONE ELSE 'S INFORMATION HAS BEEN BREACHED WITH MINE WITH SIMILAR NAMES AND SIMILAR SOCIAL SECURITY NUMBER. THIS ACCOUNT WAS OPENED WITH A SOCIAL SECURITY NUMBER OF XXXX PER MY XXXX CREDIT REPORT I HAVE SUPPLIED EVIDENCE AND DOCUMENTS TO XXXX XXXXXXXX XXXX THEY ARE AWARE OF THE SITUATION. I AM NOT RESPONSIBLE FOR THIS ACCOUNT AND DEBT. 

XXXX XXXX XXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. XXXX C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST. 

XXXX XXXX  XXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. 1099 C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST.

BOTH ACCOUNTS ARE OLD, NOT VALID, NOT ACCURATE, I ASKED ALL THREE CREDIT BUREAUS TO VALIDATE AND REMOVE, ALL THREE MAJOR BUREAUS REFUSE TO CORRECT AND REMOVE.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX BALANCED {$1600.00} XXXX XXXX  BALANCED {$700.00} XXXX XXXX XXXX XXXX XXXX {$8900.00} DEPT OF EDUCATION/XXXX  XXXX XXXX {$3800.00}
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (PA)

I assumed my own mortgage that I initially shared with my ex. 
After the assumption completed they deleted or removed access to my online account to manage the mortgage. They offered no specific explanation as to the problem and no XXXX on the fix. 
I have heard from others who experienced the same problem 10+ months ago and are still locked out. 

To be clear, they confirmed anyone who assumes a mortgage with them can no longer have online access to their account.
Consumer complaint received 2024-10-29
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. (MI)

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 2024-10-29
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CO)

Per the FCRA as a federally protected consumer, I am now opting out of all authorization with Nordstrom. I the consumer may have given you written, unwritten, verbal, and non-verbal. I am now rescinding that authorization per 15 USC 6802 effective immediately and indefinitely.
Consumer complaint received 2024-10-30
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. (KY)

I recently reviewed my credit report and noticed an account that was not reporting correctly. I had seven late payments on an account that I know in fact was in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.This account has not been on late on payments.I 've attached a copy of my report for this complaint on the following date ( XXXX, XXXX, 2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt attention.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

There is a charge off from XXXX  XXXX that is ten years old. I have already wrote them a letter to take it off. They did nothing that car was stolen and due to my insurance being new they tried to use every excuse not to pay it off and they kept the car. I want that taken off my credit report. also there's a bunch of hard pulls that brought my credit score way down. Like one for credit one I never applied for that credit card I want those taken off and my score back where it was.
Consumer complaint received 2024-10-29
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-29
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)

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX  Account Number : XXXX
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX BANK XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (CT)

This is an issue with 3 companies involved. 
XXXX. XXXX XXXXXXXX XXXX. JP Morgan Chase XXXX XXXX XXXX XXXX XXXXXXXX I have a credit card with XXXX XXXX. On that credit card, I used balance transfer to move my balance from XXXX ( XXXX ) with the intention of paying off XXXX so that no interest accrued. The balance transfer was initiated XX/XX/XXXX by XXXX XXXX. XXXX  XXXX sent a physical check to the payee, XXXX. My XXXX  XXXX account gained the XXXX} balance. 

XXXX XXXX XXXX  ) did not receive payment. My payments were paused for investigation. 

I called XXXX XXXX to see who the check was sent and cashed. The check sent from XXXX XXXX had one error in the XXXX XXXX XXXX, however, was still written out to XXXX XXXX XXXX. The back of the check shows it was cashed by a third party, JP Morgan Chase bank. 

I provided the copy of the check to XXXX, and they have since concluded that this check was cashed by another company, and I am responsible for the full balance plus the interest accrued making my balance even higher than the original payoff amount. I also still owe XXXX XXXX, as this balance was added to my credit card. 

I have asked XXXX XXXX to report this as fraud. The check they sent was not cashed by the intended payee. 

Both XXXX  XXXX and XXXX XXXX XXXX  ) have stated it is up to the bank that cashed it, JP Morgan Chase to refund me. I can not get through on phone as they will not speak to me, I am not a customer. Today XX/XX/XXXX I went into a local Branch who stated I would have to deal with XXXX XXXX. 

JPMorgan Chase has my money and has caused frustration as well as additional fees tacked onto me. I need for my money to be returned to me. I can provide copies of documents for review.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX XXXX XXXX XXXX XXXX  I went to Bank of America located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
I walked into the bank to make a withdrawal since I received XXXX deposits : a paycheck and a XXXX XXXX refund. When I walked up to the teller, I asked to take off XXXX. First the teller asked me to verify my identity three ways, through Identification, the last four digits of my social, and through the phone. 
After I identified myself successfully he then proceeded to call his XXXX over, XXXX. She asked me to verify my identity again, after that she went to the back to get an I.D maker to check and see if my I.D was real. Once my I.D proved to be real she began to humiliate me even more in a bank full of people with the line out of the door. She states she's not familiar with my XXXX institution, or my place of employment. I was not allowed to get money out of my account, accused of fraud and humiliated. 
I called the bank immediately after leaving, and they hung up the phone. I then called Bank of Americas customer service immediately after.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX  data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXX  Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX CARD SERVICES XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (GA)

ONCE AGAIN. My credit is messed up because of your companies lack of care or sense of urgency. Why am i just now getting approved for the partial claim when i initially put in the request in XXXX. Your 'protections ' of my credit until XXXX was an absolute lie. now my credit shows that i am over 180 days past DUE after signing the partial claim and because of your lack of urgency when it comes to taking care of your customers who by the way did not choose y'all in the first place. FIX MY CREDIT. my credit has dropped over XXXX points today because of y'all and the lack of you trying to fix your issues. PLEASE FIX MY CREDIT. do you know how much financial strain and stress you put on me when y'all do this??? THIS IS UNACCEPTABLE and FRAUDULENT AND INACCURATE INFORMATION. FIX MY CREDIT. I DID EVERYTHING i was supposed to do regarding the partial claim I DID NOT SLACK, i followed up ACCORDINGLY and no one ever had an update y'all are CRUEL. I pray there is not a time where i fall into another financial hardship and have to deal with the stress of people not doing their job. FIX MY CREDIT.