davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

This company is reporting payments on my report. This account was never late. The company is reporting I am late 30 days on one reporting agency and 60 days late on another. According to Metro 2 compliance and the FCRA all information should be reported the same to each reporting agency. 

There is an error with this account reporting, this account was never late. 

I have attached the payment history showing there was a payment made in XXXX, when the alleged 2nd late occurred on one bureau, and XXXX payment was also made for the alleged 1st Payment.

Attached is also the reporting inaccurate from one credit bureau to the next.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hi i'm reaching out today because I currently have a bankruptcy reporting on my consumer file that I did not consent to by law. This is a direct violation of 15 USC 1681b because I never gave the the courts written consent to post my private personal information to my consumer report. This is also a direct violation of my privacy under the privacy act of 1974 as I was never given an option to opt out of the reporting of this particular public record. This is my formal notice to opt out the reporting of this account on all of my consumer reports.
Consumer complaint received 2023-12-18
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (WA)

Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. According to 15 USC 6801, I have the right to make sure my private information isn't shared. This code states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Citi Cards is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Citi Cards, the financial institution, and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, XXXX, XXXX, and Citi Cards, whether it be verbal, non-verbal, written, implied or otherwise is revoked.

According to 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Citi Cards never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) further states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ''
Consumer complaint received 2023-12-18
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00}
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

Are you aware of Chase 's Pay Over Time Fee and the language that they use to describe it, and the fact that they do not provide any numeric examples of the " fee. '' I can't believe this explanation is not deemed deceptive. Fees " Monthly fee of up to 1.72 % of the amount of each eligible purchase transaction or amount you select to pay over time with no interest, just a fixed monthly fee. '' Yes I am aware of the Buy Now Pay Later schemes and I am surprised that they don't run a foul of regulations, but then I learned that they do not run a foul because of a problem with the regulation, namely that there is some short-time periods to which truth in lending rules do not apply. 

And you let them say, " Chase Pay Over Time plan balances that have a Chase Pay Over Time Fee will not be subject to interest after plan activation. If this XXXX  craziness, I don't know what is. 

Yes, I understand that Chase is trying to partition past charges from new charges and possibly eliminating interest on the new charges when there are still unpaid prior balances, but this just seems like a practice that is going to lead to some real abuse of admittedly financial stupid consumers. 

Are you going to allow insurers and others that have different premiums for annual versus monthly payments, avoid disclosures of the implicit interest rates in the monthly payment approaches? The insurers might already avoid disclosing such, but I'm pretty sure that Professor XXXX and others have criticized the insurance industry 's inadequate disclosure practices. 

Chase may not have needed your prior approval to send out their marketing literature, but I sure hope I'm not the first person to complain about this because the date of this old mail that I just opened, I'm pretty sure that Chase has been sending out such notices about Pay Over Time Fee for many months.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-12-17
Product: 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 (WA)

I have spent many times to try to spend this gift card, but it is rejected by essentially every online store ( XXXX XXXX XXXX XXXX XXXX XXXX 
This is gift credit card with {$100.00} gift value, which should be accepted anyplace where American express card is accepted. 
When I asked American Express where it is accepted, it just saying " They don't know, they blocked many stores to protect my fund ''. That is a scam, it essentially reject every online so that I can't figure where to spend. The money is in gift card but we just can't spend. 
The government should crack down such cheating practice by American Express.
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention a discrepancy I have observed in my credit report with your bureau. It has come to my notice that there are late payments inaccurately reported on an account, while the same issue has been successfully rectified with another credit bureau. I was the victim & Im not sure why the CRA is not complying with the law. 

I recently compared my credit reports from various bureaus and was pleased to find that the late payments in question have been successfully removed or corrected by XXXX. However, to my dismay, the inaccuracies persist in your credit report, and this inconsistency is causing significant concern. 

XXXX XXXX XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I understand that discrepancies can occur, but it is essential that the information across all credit bureaus is accurate and up-to-date. The persistence of these inaccuracies with your bureau is both perplexing and troubling. 

I appreciate your attention to this matter and trust that, like XXXX, your bureau will also take the necessary steps to ensure the accuracy of my credit information. A consistent and accurate credit report is crucial for maintaining financial integrity, and I believe prompt action on your part will resolve this issue satisfactorily.
Consumer complaint received 2024-01-03
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. (NC)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

As per privacy laws for me the comsumer I asked to opt out of sharing my information to a XXXX party which includes XXXX, XXXX, and XXXX. I sent my request to company on XX/XX/XXXX, this request was effective immediately and indefinitely. I obtained a copy of my credit report on XX/XX/XXXX and XXXX XXXX XXXX is still sharing this information and it is still reporting on my credit report. I wish to exercise my privacy rights and reserve all rights under privacy act of XXXX. Also according to 12 CFR section 1016.7 states a consumer may exercise the right to opt out at any time.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This account has late payments XXXX which is inaccurate as it does not show the account balance, payment date, and amount paid. I need you to give me a detailed report of the account balance, amount paid and payment date for the months mentioned above. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding delete late payments of the following account : XXXX XXXX Number XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

I completely unaware that I am an authorized user on the zales account. I didnt even know I was on this account. I have never used this account I have no card or access to use this account. Im going through a XXXX and my name is on this account without my knowledge.
Consumer complaint received 2023-12-18
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I just received another foreclosure letter in the mail, which is a result of someone elses debt ( XXXX XXXX ), as discussed. 

As per prior messages to your team, XXXX XXXX is in contempt of automatic orders for failing to continue making mortgage payments, transferring marital and mortgage funds from his XXXX account to a partner in XXXX ( XXXX XXXX XXXX ), and using the mortgage funds to pay his attorney ( XXXX XXXX ), after commencement of index XXXX, in XXXX  court XXXX 
Both attorney XXXX and XXXX XXXX have committed perjury in court by making misstatements about XXXX XXXX financial condition on his XXXX, and for refusing to respond to a divorce settlement offer and a buy out offer of the home ( XXXX XXXX XXXX, XXXX, MA ), since XXXX XXXX XXXX XXXX  demanded that XXXX XXXX respond to my buy out offer in court. 

XXXX XXXX and XXXX XXXX XXXX may also have forged my signature on financial documents. XXXX XXXX XXXX appeared at my house recently with XXXX XXXX and was hostile toward me, which I have reported to the XXXX XXXX there is a XXXX  video of the attack. 

I am not in debt and the financial abuse by the lender and by XXXX XXXX and his attorney XXXX XXXX XXXX since XXXX has impacted my credit score, professional reputation, ability to earn a living, and the health of myself and my children. 

Our Index number is XXXX, in XXXX court XXXX We are unable to secure a trial date or any order involving these matters of contempt from the court. 

We just received the attached letter threatening to foreclose on our home in MA by USAA Federal savings Banks attorney, XXXX and XXXX, while Usaa and other lenders have refused to allow me to settle this matter, stating that I am not on the mortgage. 

I am requesting legal representation. Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX was paid to help most recently. In fact, after attorney XXXX spoke with his contacts at XXXX and XXXX, we received the attached documents, making matters worse.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (ME)

I requested PMI cancellation through a BPO performance with my then mortgage servicer, XXXX XXXX XXXX, in early XXXX XXXX Shellpoint Mortgage Servicing ( a Newrez company ) took over the servicing of my loan on XX/XX/XXXX. I never received a response to my request from either company. About mid XXXX  I called Shellpoint to inquire on what was going on. I was told by the customer service rep that they would reopen the matter with the PMI department. I waited another few weeks and heard nothing, I called again and was told the same thing again. And again, heard nothing. During my third phone call, I was told I needed to send the required payment of {$190.00} for the BPO. I informed the rep that I already paid this. The rep then confirmed she sees the {$190.00} payment I referenced but saw it was credited to the balance of my mortgage loan. She had the payment reversed and noted it was the BPO fee. During my 5th phone call, I asked to speak with a manager. The manager informed me that they don't have a written request for the BPO request. I told her that I sent it in but it was to XXXX XXXX XXXX, the original loan servicer. She claimed that XXXX sent Shellpoint the BPO fee payment but not the request form. She said Shellpoint requires that I submit a new request using their form. I did so the same day. On XXXX XXXX XXXX, I received an email acknowledging the receipt of the PMI cancellation request and the BPO fee payment ( will attach copy of email ). The email also said, " Please allow up to 14 business days for an appraiser to contact you to set up a time to come out to your property. '' 14 business days ended on XXXX XXXX I never received a call. I called for the 6th time on XXXX XXXX I was told by the rep that she would have someone from the PMI department call me within 3-5 business days to update me on the matter. On XXXX XXXX XXXX which was the 5th business day, I still had not received a call so I called Shellpoint. The rep said she would submit a ticket to have someone call me back. The lack of transparency, communication, and ability to fulfill my request is beyond unreasonable.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

this company has violated my rights as a federal protect consumer. the have furnish deceptive information hurting my credit worthiness causing me great harm and financial struggles by not providing me with a full account ledger stating the facts of a ledge debt. along with a 1099C for the a ledge debt that was charged off.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute about my XXXX account status that shows multiple late payments. XXXX XXXX doesnt respond to me, I have a monthly automatic payment so the payment comes out every month from my account, and the credit bureaus just keep saying they verified its late and refuse to send me validation like they are supposed to according to law from the fair credit act. I want the late payments updated on my report since they have failed 3 times to show me validation and now have made it where I can NoT dispute it anymore.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THE FOLLOWING INQUIRIES reporting to my file are a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these accounts from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX