davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2020-12-14
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: JPMORGAN CHASE & CO. (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX and on XX/XX/2020, JPMCB CARD add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent in letters asking for a Proper reinvestigation, from previously disputed letters earlier asking for a proper debt validation and verification letter and they have only sent back a credit report stating that the debt has been verified and updated. 
This Dispute is against XXXX XXXX XXXX XXXX  Basis for Dispute : 1. Violation of 15 U.S.C. 1681 Section 602 : Section 602 of the Fair Credit Reporting Act establishes the need for credit reporting agencies to maintain accurate and fair credit reporting practices. The disputed information on my credit report is inaccurate and does not reflect the actual status of my account. This misinformation is damaging to my credit profile and violates the standards of accuracy required by law. 
2. Violation of 15 U.S.C. 1681 Section 604 : Section 604 of the Fair Credit Reporting Act regulates the permissible purposes for which a consumer report can be accessed. If this dispute involves unauthorized credit inquiries, these inquiries were not made with my consent or for a permissible purpose under the FCRA. These inquiries should not have been included on my credit report.

3. Violation of 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ) : Under 15 U.S.C. 1666b, payments must be credited to an account on the date of receipt. The payment listed on my account was not credited promptly, resulting in [ e.g., a late fee, increased interest, or a negative impact on my credit score ]. This delay is in violation of the Fair Credit Billing Act. 
4. PAANL ( Principle of Accuracy and Non-Discrimination in Lending ) : The Principle of Accuracy and Non-Discrimination in Lending emphasizes that all information reported on consumer credit reports must be both accurate and free from bias or discrimination. The inaccurate or mishandled information in question violates these principles, potentially leading to unfair lending practices against me.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TX)

Open prepay Discover card It account to use online shopping. Received card and used the card online shopping. Received an email on phone from Discover Fraud Prevention Inquiry XXXX XXXX XX/XX/2020 please call 24hrs. Grab the laptop ( in case of bad email spammer ) and sign in acct. Account was not available and said " Call this number ''. Called the number and ask what was wrong. They did not have access to that acct and could not tell me what was wrong. Now I am concern and mad. I have no idea what was going on with acct and neither did they. I told them to close it and she said she could not do it. Hung up and called again and after being put on hold on and off the acct was closed. Then I was told I would have access to the acct since it was closed. My credit score would be lowered due to closing my acct because I received a fraud alert with 24 hour service ( email archived ) because someone pushed a button and went home. My account had no unauthorized charges and as far maybe an identity problem I have a bank acct, no debts and my house in my name paid for. Discover could have freeze the acct. and let me know to call in the morning and so many other professional options questioning the acct.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : 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 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 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 I looked at my XXXX credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes
Consumer complaint received 2019-09-17
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Services Group, Inc. d/b/a ConServe (AR)

ON AGAIN CONSERVE VIOLATING THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT ( TITLE X ). CALLING WORK, FAMILY AND FRIENDS REGARDING ACCOUNT XXXX. THIS ACCOUNT WAS PAID INFULL ON XX/XX/2019. SEE ATTACHED.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I did a balance transfer to a Citi Bank card that advertised no APR for several months. My payment is due on the XXXX each month. I started making my payments early at the beginning of each month, usually on the XXXX or XXXX of each month. Due to their statement not generating at that moment it does not apply my payment for that month. So each month it will still show that I owe for the XXXX of that month even though I have already paid. They charged me a late fee in XXXX but then reversed it when I called to complain. I called again in XXXX to try and fix my statement due date because I already paid for XXXX. Each time I called I get someone who does not understand English very well and overall just doesn't understand what to do. They have advised me to wait and pay after the statement generates to avoid this issue. They fixed my account for XXXX so no late fee would get charged because I already made the payment. When it came time to pay XXXX 's payment I waited to pay on the XXXX after the statement generated. It showed that I had not paid for XXXX and that I was past due. When I made the payment for XXXX it was applied to XXXX and did not reflect I paid for XXXX. I made the payment on XX/XX/XXXX. Once again I tried calling and the man who barley understood English told me not to worry and that once the payment processed it would fix my account. I called again on XX/XX/XXXX because it shows I still owe for this month. I spoke to two supervisors and was advised that I would have to make another payment for XXXX and that it posted for XXXX. They said there was nothing I could do and that he would change my due date to the XXXX of every month but that I would still have to make another payment for XXXX. I am being penalized for making my payments early because their billing statement can not keep track of payments and when they are made. He told me I would have to pay late fees if I do not make another payment in XXXX and the fees will get charged each month.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (NJ)

I have applied for a repayment arrangement with PHH mortgage company and I was denied. I also applied for forbearance and modification and was denied. 

I have the means to pay mama mortgage payment XXXX per month and I was willing to take the XXXX that were delinquent in Due to my husband having XXXX XXXX XXXX being out of work for XXXX years I wanted to add XXXX divided over 12 months or 24 months to increase mortgage payment and until we get the full amount of the XXXX cured. 

XX/XX/XXXX PHH mortgage company sent me an application for reinstatement, repayment, plan, forbearance, or work out home assistant program packet. 

My husband and I completed the packet we sent it certified on XX/XX/XXXX and we just got a notice yesterday on XX/XX/XXXX that we were denied for all three because we have a conventional mortgage. 

In XX/XX/XXXX my husband and I purchased this home that we currently reside in and we had an FHA mortgage PHH mortgage company is saying that in XXXX we got a modification and a modification or switched from FHA mortgage to a conventional mortgage doing that modification of XXXX. 

My husband and I do not recall Being told that we were modifying our mortgage from a convent from a FHA mortgage to a conventional mortgage we would have not agreed to this. We dont we read the contract we did what we had to do. We did not we were not told about a conventional mortgage in fact, we didnt even know what a conventional mortgage was until we found out till we just was told this a couple weeks ago we never knew it. 

And thats the reason why PHH will not work with us or assist us, we dont want modification. I dont care about that. I just want to be able to pay my mortgage payments and take the XXXX rears add to the end of the mortgage or either within 12 months or 24 months with my regular 13 month payments. 

Until we cure the XXXX and they wont do that were gon na make the payments I work been on my job 25 years my husband received total XXXX, Social Security and a pension where he Worked 25 years and was forced XXXX tire early because hes totally XXXX. 

And they wont do it and I feel that Ive been weve been mistreated and were not being treated fairly because one we were not told what conventional mortgage is in the difference between a conventional mortgage and an FHA mortgage. 

We were vulnerable when it comes to conventional mortgage and FHA mortgage and therefore since they switched our mortgage from FHA to conventional they do not have to abide by federal guidelines for mortgage and therefore thats why they will not work with us. 

And I want this investigated we did not know we were signing or has signed for conventional mortgage. We just found this out like XXXX weeks ago because when we were trying to get assistance And they wouldnt give it to us because they said we had a conventional mortgage and this is totally unfair
Consumer complaint received 2018-01-30
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: Experian Information Solutions Inc. (IL)

I came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at XXXX XXXX. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (MI)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : 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 XXXX XXXX XXXX
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I currently have a Barclay 's Advantage Aviator MasterCard XXXX. I contacted them on XX/XX/2020 to submit a billing dispute for services I did not receive from XXXX XXXX. The two charges occurred on XX/XX/2020 and were in the amounts of {$960.00} and {$30.00}, respectively. Despite repeated phone calls to Barclay 's at XXXX, they did not credit my account while the dispute was in process, nor did they send any written correspondence to me as is typical with credit card companies. They also transfer me to different departments or to a person who I can tell is situated in another country ( confirmed as XXXX ) and will not provide their full name for me to document who I spoke with. Additionally, Barclay 's is taking over 10 business days to process ANY credits from ANY merchant. On the other hand, Barclay 's rapidly processes charges. I believe they are not complying with the Fair Credit Billing Act.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX  is the only one, well Equifax as well that is showing wrong information accounts that do not belong to me, that is why XXXX delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but XXXX. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH IT.
Consumer complaint received 2018-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at XXXX XXXX. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (MO)

well XXXX XXXX  store took XXXX from my account without my consent. i disputed it an my bank sided with XXXX, then my ex girlfriend gave men her key on the XXXX of one month an two men entered my home an robbed me a total of XXXX cash, I tried to tell bank that they took my debit card an it had like XXXX dollars on it an they just let them get away with that it had a pen number on my debit. They never sent the info so i could give to police either..an the time when I order an XXXX XXXX from XXXX for XXXX dollars an the mailed me a plastic bag in which I still HAVE IN MY CLOSET. I told my bank and the sided with XXXX on that ;, can you help me please. my bank don't back me ever..