davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My credit score was XXXX with XXXX XXXX and Equifax and just last week opened a new credit card with XXXX with initial zero APR for 18 months and a credit limit of {$11000.00}. As a result I transferred my balance from my cards with XXXX XXXX, XXXX and XXXX XXXX. I thought with the approval of {$11000.00} it would reduce my debt to credit ratio and thereby boost my credit into XXXX but rather my credit score has been reduced by XXXX points. 
I called Equifax this morning to explain to them but the asked me to go to their website to get the right score. After collecting a lot of data ( dob, SSN, address, zip code ) they wanted me to sign up for a monthly subscription for {$9.00} because they said the report I saw from XXXX XXXX is a third party and I told them its your name attached to the report. 
I think my score should rather go up instead of going down since I have increased my credit by {$11000.00} thereby reducing the debt to credit ratio and also they are trying to make money out of me to see the same score that they themselves have reported. 
Thanks
Consumer complaint received 2023-05-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 XXXX XXXX Collections Account number : 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 2023-05-24
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. (CA)

According to the 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 and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which 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. " XXXX XXXX XXXX XXXX XXXX XXXX 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. '' XXXX XXXX XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " 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. '' XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

Good evening, My 1st issue I have is I didnt purchase my house in XXXX. I purchased it in XX/XX/XXXX. Check court records. I took out a 2nd mortgage with XXXX XXXX  in the amount of $ XXXX which I have already satisfied the loan & paid back in full. My 2nd issue is my mortgage payment/escrow/insurance account. My account need to be looked at because all of the account numbers are incorrect. They take out of my monthly payment for taxes & issurance, but I pay my own insurance out of my pocket & they are aware that I pay it. I have sent them copies of the paid invoice & all I ever get in return from Newrez XXXX is letters stating they looking into my complaint & they need more time to review & look into the matter. This has been going on for over a year. My 3rd issue is reps.giving out incorrect information. I wanted to pay my account shortage to keep my mortgage payment from increasing.They told me I couldnt do that. Then they sent me a check for account overage & increased my mortgage. I call for my entire mortgage account to be looked at, reviewed & then correct all numbers that need to be corrected.Thanks in advance for your help with these issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (AZ)

On XXXX XXXX, 2023 I elected to patronize a balance transfer promo for XXXX $ with my discover card. I spoke with a representative from Discover to assure the details of the balance transfer promo was correct and he assured me it was. The promo offered two ways to receive the balance transfer monies. The transfer could be deposited into your checking account or paid directly to the balance of another credit card. XXXX $ was deposited into my banking account on Monday XXXX XXXX, 2023. ( Please see balance transfer promo attachment for promo details ). 

The problem is when I viewed my discover credit card on XXXX XXXX, 2023, I realized that the balance transfer of XXXX was ADDED into the total of the EXISTING balance on my Discover card which has an APR. I called Discover and asked " why are these two balances are not separate. When I pay the card, how will Discover know which balance to apply the payment. '' I was told that the payment would go to the lowest APR which would be the balance transfer. Any amount paid over the minimum payment for the balance transfer will be applied to the existing balance. This means, I will never be able to pay the promo balance within the 12 months and if it's not paid it will incur an APR of 27.74 %. 

I then told the representative that I would pay the XXXX back immediately. The representative informed me that, that would be an overpayment for the promo and the over payment would be applied to the existing balance. Summing it up, Discover is leaving the consumer, no way out. This is misleading, fraudulent, illegal and unbelievable! I do not want this fraudulent offer. When/ if I pay any monthly payment on the card, it is to be applied to the EXISTING balance. If it is applied to the PROMO balance that will be because they chose to do that and I have no control over that. OR I will elect NOT to pay this discover card anymore until this issue is resolved minus penalties. I'm asking if CFPB would please help me resolve this issue asap. Thank you very much for your time. ( Please see attachment ).
Consumer complaint received 2023-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Financial has used illegal and immoral practices to attempt to collect questionable debt from me. Commonwealth Financial has called me multiple times, There is no physical signature or agreement with the collection company. Agreement was not with said company, with no knowledge of the amounts given by this unknown company. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical original paperwork or signature. No wet signature was given to Commonwealth Financial. I ask that they immediately cease all calls and harassment or legal action will be taken. This account should be deleted immediately.
Consumer complaint received 2023-05-24
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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (FL)

Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter regarding an unfair credit report entry associated with my account with Barclays, specifically the XXXX XXXX XXXX. 

Around XX/XX/2018, I discovered a 30-day late payment reported on my account. This took me by surprise as I have always been conscientious about making timely payments for all my financial obligations. Upon inquiring with Barclays, I learned that the late payment was attributed to an annual fee that had been added to my account. Unfortunately, I had not been alerted to this fee, nor had Barclays sent any communication regarding this forthcoming charge.

I am deeply concerned about this situation for two main reasons : Firstly, the lack of communication on the part of Barclays resulted in an unexpected charge, leading to an unintentional late payment. Secondly, this erroneous report has adversely impacted my credit score, which could potentially affect my ability to secure credit in the future. Please note that my previous payment history with Barclays, as well as other financial institutions, has been flawless. This incident is not indicative of my financial responsibility and commitment.

Despite my attempts to rectify this issue directly with Barclays, an acceptable resolution has yet to be reached. Consequently, I am reaching out to the Consumer Financial Protection Bureau for assistance in this matter.

In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. Given that the late payment resulted from insufficient communication from the lender, I assert that the report is inaccurate. Therefore, I am formally requesting an investigation into this matter and the subsequent removal of the 30-day late payment from my credit report.

I have enclosed with this letter pertinent documentation supporting my claim, which includes records of communication with Barclays and a copy of my credit report highlighting the disputed late payment.

The Consumer Financial Protection Bureau carries the significant responsibility of ensuring fair financial practices, and I appreciate any assistance you can provide in resolving this issue. I am confident in your agency 's commitment to protecting consumers like myself from such misunderstandings and unintentional errors. 

Thank you for your time and consideration. I look forward to your prompt response and am hopeful for a swift and fair resolution to this matter. 

Sincerely,
Consumer complaint received 2023-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

This is my 3rd complaint after not getting results. After the 1st complaint, CRA 's claim a thorough investigation was done. I do not see how with some many inaccuracies still listed. Date opened, Date last reported, addresses that never belonged to me, duplicate accounts reporting more than once that shouldn't be there at all.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 an account without my written instructions. 
after my second complaint was told I did not present enough evidence. It was hard with XXXX XXXX from a car accident that I wouldn't of been in if my report was fixed and I didn't have to buy a used {$1200.00} car with bald tires. It is ridiculous the responsibility these companies have and do not take seriously. They ruin lives. People must find time in their busy lives to go after the CRA for not following laws. 
While trying to upload my credit report I marked violations on it as too large of a file. But every I want to print my report I have to print XXXX pages and it's still hard to read. Probably a purposely done deterrent. I had to separate my credit into 6 different scans so files weren't to big. Ridiculous!
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I am currently faced with payments for a car, financed through Credit Acceptance, that is more for the car is worth, and more importantly, more than I can afford. I've asked this company several times to refinance for a lower payment while I was in good standing because I calculated what was going to happen BEFORE IT IS NOW HAPPENING, but I was denied every time. I am highly upset because due to COVID I was only working part-time, and therefore had a lower income. This Company claims it's phone calls are recorded, but have yet been able to speak to someone who has reviewed my complaints. 
Every time I ask for a refinance, my claims have been denied and now I'm faced with a bill that is extremely difficult to maintain for a car that is not worth the payment! 
My car was repossed XXXX XXXX, XXXX, and then repossed again XX/XX/XXXX. Both repossessions I was able to get my car back, but this car has created a hardship for me to maintain it because the interest rate continues to go up, whereas I am now paying double a month for the same car. I have asked several times for this car to be refinanced to get a lower payment, but each time I was denied!
Consumer complaint received 2023-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

Hi, the issue is M & T Bank and XXXX XXXX XXXX XXXX is charging us {$1.00}, XXXX for escrow for taxes and insurance. We don't have to pay property taxes on this property and we have paid out of pocket for home owners insurance. They are making us pay for there insurance. Stating that hazard insurance was a requirement for approval of the loan. 

M & T Bank, bought our loan from XXXX XXXX XXXX XXXX, We tried to fix this mater with them but we found out the the loan was sold to M & T Bank, We called M & T Bank last month to fix the problem before the first payment was due, we found out that the problem was not fixed when we had non-sufficient Funds notice from M & T Bank. I called M & T Bank again to explain the issue with the escrow part of the loan which they said that we had to pay for THERE insurance even when I told them that we have insurance. M & T Bank will not remove the additional XXXX, XXXX payment from our mortgage loan. I then called the VA and asked if this is a requirement and she said no. We can't continue to pay the additional amount? ( Note we do have to pay for garbage ) Can you help
Consumer complaint received 2023-05-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I have requested incorrect information to be verified and proof of the verification process 3 times. I have asked for information to be corrected 3 times by certified mail. The information is still incorrect and still comes back verified. This is my final attempt to correct such inaccuracies before I take legal action.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2023, through a credit report, I found out that my down payment of approximately {$14000.00} was misapplied to my loan. It was supposed to be paid forward as 39 months of payments, but was applied incorrectly. Bank of America, without any communication whatsoever charged off my account and marked 6 months of payments as being " late, '' when it was their error to begin with. This caused my credit score to drop around XXXX points, which is detrimental as I am trying to apply for a home rental. I am becoming extremely livid with the sluggish pace of the " resolution, '' which has take over a month to even UPDATE the charge-off reversal status. It's been in limbo for OVER A MONTH without official reversal even though it's supposedly been " approved. '' Every representative I speak to acknowledges that it's Bank of America 's error, but the issue at hand is not being taken nearly as seriously as it should be, nor is action being taken quickly enough. I'm teetering on the line of whether to seek legal recourse for the issue because of how greatly they've royally screwed up my excellent credit and put me at risk of having my car potentially REPOSSESSED for incorrectly charging-off my auto loan and not even informing me that there was an issue with how the original representative supposedly " fixed '' my initial issue. Oh yeah, that's right they screwed it up TWICE, and the second time didn't notify me.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (MO)

XXXX has furnished unverified debt to consumer reporting agencies without the consent of the consumer. The said actions of this corporation violate the Family Educational Rights and Privacy Act ( FERPA ). 34 CFR Subtitle A Part 99 Subpart D ( a ) whereas it states " The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31. ". The consumer has never given written consent to the educational agency authorizing them to disclose personally identifiable information. XXXX has no right to possess, nor to furnish any of the consumer 's personally identifiable information for the educational agency had no consent to disclose such information. 

Pursuant to 16 CFR I Subchapter D Part 433 433.2 whereas it states " In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.