davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (NY)

So Ive attempted to open an account with XXXX XXXX. They will not open my account because of negative remarks from XXXX. It keeps saying something about checks. I never had checks with XXXX when I had an account with XXXX and every time I went to cash my employment check because of the amounts I always had issues so I ended up closing my account which they gave me a hard time doing that and went to bank with XXXX which Ive havent had any issues with since I also have an account with XXXX thats been in good standing for a while now as well so the report from XXXX XXXX came in. I called the people who they go through for the credit check. They told me to reach out to XXXX. I reached out to XXXX. Theyre saying that there isnt anything the information that theyre giving me is incorrect so they gave me who they go through when they pull credit reports contacted them. They said that they dont see anything for me to reach back out to the people who pull the credit reports for XXXX XXXX reached out to them, filed a complaint for them to look further into it and reach out to XXXX . They sent me a letter stating that, even though when XXXX sent me the credit report and the information that they had, I sent it to them when I Filed the claim they said that it came back. Still something on there is saying that theres something on XXXX report and I would like for it to be removed because I closed my account with keeping. I dont owe XXXX anything and Ive never wrote a check because I never received checks I used to cash my employment check.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On XXXX the XX/XX/XXXX, I realized that a transaction was incorrect. It was supposed to be & XXXX and end up being {$470.00}. 
Filed a dispute. Dispute was denied in hours supposedly after an investigation talk to the merchant the bank didnt contact them at that point.

They made me start a rebuttal for that dispute. 2 minutes after I filed the rebuttal was denied. This happened 4 times. 
Now they said that because its now a rebuttal I dont have the right to get a temporary credit and that I should wait till XX/XX/XXXX to give me an answer. 
I asked for the documents that show the investigation they did in 2 minutes and Im still waiting for those.

My original dispute is protected by the fdic and Im entitled to get my temporary credit till they do an actual investigation. No investigation about this kind of situations are made in q minute. Its impossible.

They just denied your initial dispute to make you file a rebuttal and no apply the temporary credit.

Were thousands of people with this situation
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/2023 Friday Bank of America, XXXX. 
Consumer Financial Protection Bureau XXXX : Consumer Financial Protection Bureau XXXX : Inquiry Regarding Banking Practices and Legal Obligations Reference : XXXX. Consumer Financial Protection Bureau XXXX ( XXXX pgs. ) XXXX. XXXX XXXX ( XXXX pgs. ) XXXX. CFPB Complaints : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Bank of America XXXX Consumer Financial Protection Bureau XXXX XXXX am reaching out to file an additional compliant on certain banking practices and the legal obligations that banks must adhere to, particularly in relation to customer information and potential retaliatory actions. 

I have recently encountered situations that have raised concerns regarding the sharing, closing accounts being investigated, selling/sharing of clients personal information, and withholding of information. I am seeking information to better understand the bank 's policies in these areas and how they align with relevant legal regulations. Specifically, I am interested in whether it is against the law for a XXXXXXXX XXXX to engage in retaliatory actions against a customer who seeks information or lodges a complaint. 
XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Transparency is crucial in maintaining trust between customers and their financial institutions, and I believe a clear understanding of these matters is essential for both parties. If there are specific legal provisions or guidelines that govern the sharing, closing, selling, and withholding of customer information, I would appreciate it if you could provide me with relevant details. 

I appreciate your attention to this matter and look forward to receiving information that will help clarify these aspects. Thank you for your prompt response and assistance. 

Respectfully submitted, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (PA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (TN)

I have disputed this alleged debt with AWA collections. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-08
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: TRUIST FINANCIAL CORPORATION (CA)

Subject : Deletion of Unauthorized Credit Inquiry REGIONAL ACCEPTANCE I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge.

The inquiry was made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any application or security in your possession. 

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to file a complaint regarding the unauthorized closure of my Bank of America credit card account. Despite paying off the full balance, Bank of America closed my account without notice or explanation. After satisfying the full balance, I was surprised to find that Bank of America had closed my credit card account without my consent or prior notification. This action has negatively impacted my credit score and caused inconvenience.
Consumer complaint received 2024-10-31
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. (NJ)

For the past few years I have been going back and forth with XXXX XXXX with the way they handled my loan.I was involved in an accident and my insurance company came and got the car from my possession.During this process insurance company needed the title to get rid of the car and XXXX XXXX and insurance company were both asking me for the title that I didnt have because XXXX XXXX had the title.I was charged almost XXXX for this title that I didnt have and because of me not sending the title I was given a voluntary repossession on my report even though the loan is XXXX percent paid off.when I spoke to XXXX XXXX they agreed they made a mistake on there end but XXXX still left with this repo on my account I ask it to be removed from my account due to there mistake.This has been going on for a few years and they just realized they made a mistake.If you look at there replys from my old complaints they were asking for a title that once again they always had in there possession
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper is my third mortgage servicer. I DID NOT SEEK TO HAVE A RELATIOSHIP WITH MR. COOPER. This mortgage was transferred to Mr. Cooper. Of the three servicers, Mr Cooper by far is the worst The first problem is, that unlike previous mortgage servicers, it is nearly impossible to speak to a live agent via telephone. There are extremely long hold times and you are constantly directed toward a virtual assistant, even after several requests for a live agent. Finally you may have to settle for text chat via computer or mobile device. Even if you finally are able to chat with an agent the information received is inaccurate or incomplete.

Approximately two weeks ago, I asked a Mr.Cooper agent if the interest was reduced when a fixed rate mortgage was paid off early. By using an online calculator I concluded the approximate interest saved. He generally agreed with my analysis but was unable to quote exact figures because he was not in the correct department. He promised to transfer to the correct department. I waited a great deal of time but the transfer was never connected. 
Two weeks later I requested an exact payoff quote via mail and via telephone. After a long hold time and being constantly directed to a virtual assistant, I was only able to reach someone via text chat. I asked for an official payoff quote including reduced interest. I was told that I had to payoff the entire mortgage amount and that Mr Cooper would later send me a check for the difference in reduced interest .It was my contention that the interest should be reduced greatly since this was a fixed rate 30 year mortgage, which is potentially being paid in 18 years. 
The agent 's explanation did not sound correct. I did not trust that Mr Cooper would actually send a check to. Finally I called the XXXX XXXX government office and the agent there completely contradicted what the agent at Mr Cooper said I was told I had to payoff nearly the entire remaining balance In addition I requested a loan modification application ( also know a loan forbearance ) from Mr Cooper. The application which cost {$250.00} to submit, provides no information regarding what mortgage payments would be after the application is submitted. Further it supposedly takes 3 month to get an answer from Mr.Cooper
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My right to privacy as a consumer has been violated. FCRA 15 USC 1681, 15 USC 6801, 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX, XXXX  XXXX, portfolio recovery associates , LLC whether verbal, non-verbal, written, implied or otherwise is revoked. Additionally,15 USC 1681C ( a ) ( 5 ) clearly states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than convictions of crimes which antedates the report by more than seven years. And finally, in accordance with12 CFR 1016.7, I am opting out of your reporting services.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-07
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)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and has done nothing. I can no longer be verified by using my very own social security number, name, and DOB due to this. 

1. XXXX XXXX acct ending in ( XXXX ) {$570.00} 2. XXXX XXXX acct ending in ( XXXX ) {$11000.00} 3. XXXX Acct ending in ( XXXX ) {$450.00} 4. XXXX XXXX acct ending in ( XXXX ) {$370.00} 5. XXXX XXXX acct ending in ( XXXX ) {$570.00} 6. XXXX XXXXXXXX acct ending in ( XXXX ) {$700.00}
Consumer complaint received 2024-02-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

XX/XX/2024, called pennymac to try to negotiate fees and to get them to either reduce or wave fee to sell house. asked for an itemized list of items they were charging me to for property preservation fee totaling {$7100.00}. they were unable and unwilling to share that information to me as well as not giving me why they winterized my home before the five day period of receiving a certified letter from them. won't explain anything about the property preservation fees due to the fact that department doesn't deal with the public as it was explained to me. was able to pull some information on scrub trimming that costed me XXXX for two scrubs I didn't have on the property. also lawn care in the winter months of XXXX and XXXX.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address significant concerns regarding billing errors on my accounts as per the United States Code, specifically TILA ( 15 U.S. Code 1666 ( b ) ).

Upon reviewing my credit report, I identified multiple billing errors falling under the provisions of 15 U.S. Code 1666 ( b ) specifically, ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor; and ( 5 ) a computation error or similar error of an accounting nature of the creditor on a statement.

I am particularly disturbed to find discrepancies related to the notification period for statements. According to my understanding of the law, a creditor is required to notify me at least 21 days ( approximately 3 weeks ) before a statement is due. This notification failure has led to unwarranted late payments on the mentioned accounts. I hereby request solid proof from your records that substantiates these alleged late payments.

The following accounts have been adversely affected, and I insist on their immediate correction in my consumer report to reflect the accurate status as " paid as agreed '' : XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Late Payment Dates : XX/XX/XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX Late Payment Dates : XX/XX/XXXX XXXX XXXXXXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX According to consumer protection laws, these accounts must be promptly updated or deleted from my report. Failure to do so will compel me to seek monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability.

Additionally, please be advised that a formal complaint has been submitted to the Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX XXXX  and Federal Trade Commission. I trust that your prompt attention to this matter will help resolve these issues amicably. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX