davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, 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. (SC)

In XX/XX/XXXX, I was XXXX and in search of new car. I went to XXXX XXXX XXXX in XXXX, SC and spoke with a gentleman with the last name of XXXX. We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that XXXX offered. I left the delearship with no car and about XXXX hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in XXXX inquiries. I bought the agreed upon car for the agreed upon price in XX/XX/XXXX at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and XXXX XXXX is probably still doing shady practices to unsuspecting consumers.
Consumer complaint received 2024-08-19
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. (NV)

I am writing to request the deletion of inaccurate, re-inserted, and fraudulent accounts present on my consumer credit report and to bring to your attention the failure of XXXXXXXX XXXX, XXXX, and XXXX to provide the necessary proof of debt validation within the stipulated time frame of XXXX days. I have previously sent certified dispute letters to these companies to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, but these companies never responded to me with verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, XXXX days went by and I received nothing from these companies and these accounts was reinserted with no permissible purpose and without my consent. 

XXXXXXXX XXXX, XXXX, and XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. XXXXXXXX XXXX, XXXX, and XXXX did not remove the inaccurate account that has been furnished on my consumer file and I have never given my consent to re-insert or furnish this account. No consent is Identity Theft and I have attached evidence that XXXXXXXX XXXX, XXXX, and XXXX are in violation. 

I demand you cease and desist pursuant to federal laws 15 U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information.

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2016-06-14
Product: Virtual currency — Domestic (US) money transfer
Issue: Other service issues — 
Company: Coinbase, Inc. (IA)

Coinbase rep, XXXX has been being an XXXX to me. They require a photo id when adding cards to their system. He seems to think that their policy trumps federal government guidlines. I was unable to do so because their system was not allowing it, whatever I tried. He has the last XXXX of my ssn in his system. I am unable to do much without a good working phone. Explaining that to him, was just like explaining that to a brick wall.
Consumer complaint received 2016-06-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Paypal Holdings, Inc (TX)

I purchased a Chanel Purse for my daughter on XXXX/XXXX/16 for the amount of {$470.00}. On XXXX/XXXX/16 I contacted E-Bay and Pay Pal to notify them that the purse was a replica, my instructions from Pay Pal was to ship it back to the seller because I could not understand the hand written address from the seller. Pay Pal emailed me the sellers address to the email I had at the time. I changed my email on XXXX/XXXX/16 and they failed to confirm the address with me so it appeared i missed 10 day grace period deadline. I mentioned to XXXX that I was not able to provide the tracking number for the shipping because USPS does not provide one. On XXXX/XXXX/16 i was not aware the appeal was denied until I had shipped the purse to the seller to XXXX. It was returned by the seller who refused to accept it. We received the purse on XX/XX/2016.We called our bank and they refused to help us because we missed the 60 day grace period. On XXXX/XXXX/16 I spoke to XXXX ( Manager Dispute Dept. ) where he finalized his decision not to reimburse me due to lack of communication and not meeting the deadline ( I feel l that we would have not missed the deadlines had they sent the to my correct email address ) so he closed the case. I explained to XXXX that i am short {$470.00} plus shipping. I was not told that i had a deadline until i received the email at my correct email which had been too late. 
( Shipping was {$58.00} which I was credited only {$20.00} )
Consumer complaint received 2024-10-21
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. (TX)

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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2016-06-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BlueChip Financial (OR)

I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/XXXX in the amount of {$800.00}. They have debited {$130.00} twice a month from that date until late XXXX or early XXXX XXXX, at which time, they raised my payments to {$150.00} every other Thursday. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I had n't intended to pay so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

I opened this credit card when I was XXXX XXXX XXXX to cover an emergency vet procedure. I had the card for about XXXX years, using it exclusively for vet visits, and made the minimum payment each month since that was all I could afford. It wasnt until XXXX that I began closely reviewing my bill and noticed something concerning : despite making consistent payments, my balance hadnt decreased at all. 

When I reviewed my statement from XX/XX/XXXX, I discovered a {$57.00} " Card Security '' charge. I immediately contacted Care Credit to inquire about this fee, as I had never knowingly signed up for such a service and requested an immediate refund. Afterward, I began reviewing older statements and found that Care Credit had been charging me for a " Card Security Fee '' every monthwithout my knowledge or consent. 

I contacted Care Credit over the phone and asked them to provide all of my statements since I opened the card. They declined, saying they could only send a portion of the statements. However, through a live chat, I was able to ask when the first " XXXX XXXX XXXX '' was applied to my account, and they confirmed that it began on XX/XX/XXXX. I have a screenshot of this interaction. 

From the paper statements I do have, it's clear that the " XXXX XXXX '' charge appeared every month, varying depending on the balance. For example : On XX/XX/XXXX, I was charged {$3.00}. 
By XX/XX/XXXX, the charge had increased to {$19.00}. 
On XX/XX/XXXX, the fee was {$28.00}. 
On XX/XX/XXXX, it dropped to {$16.00}. 
On XX/XX/XXXX it rose again to {$22.00} By XX/XX/XXXX, it rose again to {$29.00}. 
On XX/XX/XXXX, I was charged {$57.00}. 
Finally, by XX/XX/XXXX, the fee was {$57.00}. 

Over time, the " Card Security Fee '' grew from being barely noticeable to exceeding my minimum payment. This prompted me to call and request a full refund for all past charges. I argued that my balance would have been paid off long ago if I hadn't been charged this interest-based security fee for nearly a decade.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (DE)

In XX/XX/XXXX, I purchased a home with my husband. In XX/XX/XXXX, I moved out and never went back. In XX/XX/XXXX, upon our divorce, he kept the house & continued living there all these years. He refused to refinance the loan to remove my name, despite my many attempts to convince him. In XXXX XXXX, he stopped paying the mortgage, and I was informed by Chase a few months after that. For 3 years, I have been in contact with Chase, I have done everything I possibly could to fix the situation, but my ex-husband refused to cooperate in any way. I 've had many conversations with Chase regarding the loan, and have asked for their advise about what my options were. No one ever gave me any suggestions, other than the options I had already explored. Without my ex-husbands cooperation, I was basically stuck. Finally, after 3 years, they finally moved forward with the sheriff 's sale XXXX XXXX, & the property reverted back to the bank. After all that time, this has had a severely negative effeft on my credit, and I was powerless to fix the problem. When the account was finally closed, I wrote a letter to Chase ( copy uploaded ) requesting them to please remove this from my credit, and they refused ( copy uploaded ). The negative impact this has had is now effecting my daughters opportunity to attend college. Today, XX/XX/XXXX, I received a certified letter from Chase ( copy uploaded ) that states that they have secured " my '' property to prevent damages, and they will maintain the property. It also states that any they would assess any costs to " my loan ''. When I called Chase to ask about this letter, I was told to disregard the letter. My concern is that I do n't own this property anymore, so how can they continue charging me for maintanence fees. And disregarding the letter, could come back to bite me later on, when they send me a bill. Which I will not pay, but they can then put on my credit as yet another derogatory account. My credit has been destroyed so much so, that I cant help my daughter get student loans to go to college. Chase is unwiling to acknowledge the fact that I had no legal recourse on my own, without the cooperation of the other party on the loan, and now they are threatening me with additional costs for a property I no longer own. Considering how much your credit score can effect your every day life, and how hard it is for consumers to fix mistakes & misinformation, I would think that companies, especially ones like Chase, would be a little more responsible with their actions. I find it offensive that companies can randomly say they are owed payments, send you to collections, and ruin your credit with the flick of a pen, and we the consumer, have to pay a credit reporting agency to get an actual score. I think the rules are stacked against the consumer, when it should be the other way around.
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Stearns Ventures, LLC (OR)

I applied for a mortgage to purchase a new home. I offered to put 5 % down, and asked to increase the loan enough to include seller paid closing costs. Based on estimates provided from the mortgage company, I offered XXXX with up to {$8000.00} in seller paid closing costs. The lender sent me an initial TIL and explained that the closing costs would be less than expected, with an explanation that I could ask the seller to modify the purchase offer and decrease it by {$2000.00} to be {$300000.00}, or we could buy down our interest rate from 4.99 % to 3.875 % for a cost of {$1500.00}, as a way to use most of the seller credit. The seller did not want to amend the purchase offer, so I asked the lender to buy down the rate to 3.875 %. The lender did. 
Once we got close to closing, our loan officer went on vacation and her manager XXXX XXXX took over our loan process. We received closing statements showing that our rate at 3.875 %, but with the cost to buy down the rate significantly higher than {$1500.00} as originally agreed. It was explained to us that closing costs came out an additional {$2000.00} ( approximately ) lower than expected and they understood we wanted to use all of the seller credit, so they applied it to the rate buy down. Yet, the additional funds were not used to buy down the rate further. When I asked XXXX XXXX to use the funds to further buy down the rate, he refused claiming that I would need to pay multiple thousands of dollars in addition to the seller credits in order to reduce the rate to anything less than 3.875 %. I was already late for closing and at risk of losing the house as the seller would not agree to extend closing any further. So, I asked the lender to honor their original offer of buying down the rate to 3.875 % at a cost of {$1500.00}. The lender came close to that and the additional seller credit of approximately {$2000.00} was paid to the seller. Ultimately, I over paid for our home by roughly {$2000.00}. Fortunately, I am able to read and understand a TIL. Otherwise, the lender would have conveniently used all of the seller credit for the benefit of the lender, rather than the benefit of the borrower. My complaint is against XXXX XXXX with XXXX XXXX XXXX. I can provide the initial offer letter and initial TIL along with the final closing documents. Interim TIL were not provided to me in a paper format, but we're rather sent electronically through a cell phone app.
Consumer complaint received 2024-09-30
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. (PA)

I appreciate your assistance in removing part of the fraudulent information from my credit file, but XXXX is still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-complianceXXXX XX/XX/year>
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (FL)

I enrolled my XXXX dogs in XXXX program three years ago based on information given me by their salesperson. When I realized that the program was not all they claimed to be and other charges were being charged in addition to the monthly subscription, I cancelled the membership. XXXX billed me and reported my account to the credit reporting agencies. After I disputed the charges, XXXX removed all negative information from my files and cancelled the debt. Now, IC System, a junk debt buyer, is trying to re-open the debt and is attempting to collect from me. I am reporting this IS System firm and its attempts to collect a junk debt as fraud.
Consumer complaint received 2024-08-20
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. (VA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Mortgage ( who services my XXXX-owned loan ) advised me they no longer accept bi-weekly payments, and that I 'd have to use a 3rd party, who will charge me about {$250.00} to set this up. This is outrageous. Where else in America can ANY creditor refuse to accept an early payment, and refuse to give you the interest savings? The answer is nowhere. They told me they 'd hold my bi-weekly until the second payment arrives, as they wo n't credit partial payments. I assume they do this with the law allowing it, so PLEASE pass this on to the Congress and ask that, as the CFPB, Congress change the law to stop this ridiculous fleecing of the average American! If they will take a bi-weekly payment from an intermediary/3rd party, the banks should be MADE to accept these directly from the mortgagee!
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OH)

Dear Sir/Madam, I am writing to file a formal complaint against Citibank for unlawfully denying my application for credit in violation of federal laws, specifically : The Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 The Truth in Lending Act ( TILA ), 15 U.S.C. 1602 and 1611 XXXX XXXX XXXX XXXX XXXX XXXX, 12 U.S.C. 1431 Issue On XX/XX/year>, I applied for credit with Citibank and was subsequently denied without an adequate or legally valid explanation. Citibanks decision to d

eny my credit application appears to be in direct violation of the ECOA, which prohibits creditors from discriminating against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance ( 15 U.S.C. 1691 ).

Additionally, the ECOA and its implementing regulation, 12 C.F.R. 1002.9, require creditors to provide a specific reason for a denial of credit in a timely manner. Citibank either failed to provide an explanation or provided an insufficient explanation that does not comply with these legal standards. 
Furthermore, under the Truth in Lending Act ( 15 U.S.C. 1602 ), Citibank is obligated to disclose credit terms transparently and in good faith. Denying credit without valid reasoning undermines my rights under this statute and suggests non-compliance with 15 U.S.C. 1611, which prohibits creditors from knowingly failing to provide accurate disclosures or following legal obligations.

Legal Basis 15 U.S.C. 1691 ( ECOA ) : This provision prohibits discrimination and mandates clear, timely communication of reasons for credit denial.

12 C.F.R. 1002.9 : Requires creditors to issue a written statement detailing specific reasons for denying credit or informing the applicant of their right to request this information within 60 days.

15 U.S.C. 1602 & 1611 ( TILA ) : These provisions ensure that lending practices are conducted transparently and that any denial is justifiable and communicated effectively.

12 U.S.C. 1431 : This section governs federal oversight of lending practices and ensures that financial institutions operate in compliance with public and consumer protection laws.

Harm Caused The denial of credit has caused significant harm to me, including : Inability to meet my financial needs and goals due to lack of access to credit. 
Adverse effects on my creditworthiness and potential opportunities for future credit. 
Emotional distress and financial hardship as a result of being denied without proper justification.