davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Account Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A-States I have the right to privacy. 15 U.S.C. 1681 a. section 604 A- States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 168c. ( a ) ( 5 ) 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 2023-07-20
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: EQUIFAX, INC. (CA)

Dear EQUIFAX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS ARE ( NOT ) MY ACCOUNTS NONE OF THESE ARE MY ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX I recently received a copy of my EQUIFAX credit report. The credit report showed a credit inquiry by your companythat I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless Ihave authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for meto acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as toforward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, Thank you for your time,
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 modified or deleted from the file of the consumer. ''
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I have two credit cards with Amex : XXXX XXXX XXXX XXXX Amex Gold Card for American Express Gold Card, there is no foreign transaction fee and I have to pay annual fee of {$250.00}. I had an oversea trip scheduled from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, I lost my gold card 2 weeks before my trip and I called Amex to send me a new card, I asked them since I am traveling overseas, I need my gold card to be delivered before my departure ( XX/XX/XXXX ). My card shipped on XX/XX/XXXX and got delivered to my place on XX/XX/XXXX, 4 days after my departure. The only option I had was to use my XXXX XXXX XXXX while I was away. When I came back I noticed that I got charged for a couple XXXX dollars on my blue cash everyday card for the purchases I made overseas. Also, the Gold Card that got delivered on XX/XX/XXXX, got stolen bc of improper delivery and I had a charge of {$2000.00} which wasnt not mine. Amex recognized the fraud and emailed me a new gold card in less than 48 hrs. I called them and asked them if the overnight delivery was an option why did not apply to my XXXX replacement? and since it was not my mistake, they should either refund me for the foreign fees or give me rewards point on my cards. They rejected my requests which is a significant hardship on me bc of Amex mistake. I want to get the fees back and report this issue to you. Thanks.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I was contacted by a company that said that there was a government program that helped with debt consolidation and I would make one payment for 2years I did not make payments to my credit cards for 4 months until XXXX told me that they would not negotiate with them, so I stopped paying the company and started paying my bills. XXXX XXXX had called me and offered me a payment plan and they would not report it to the credit bureau. I made 3 monthly payments of over {$300.00} and they did report it to the credit bureau, as late. I tried disputing with Experian, it hasnt been easy they always agree with me but its still on my credit report.
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: JPMORGAN CHASE & CO. (CA)

This complaint is in regard to a XXXX XXXX, originated in XXXX, and modified in XXXX by XXXX XXXX For XXXX years I applied, and kept applying, for a modification. XXXX constantly lost documents, or needed something they had forgotten to mention. I copied and faxed hundreds of documents, many the same documents over and over. There were more 'personal agents ' than I could keep track of. At XXXX point it was my full time job, and the stack of papers I accumulated was about XXXX inches high! 
I was a single mom with XXXX child, when I purchased this home in XXXX. During my career I was self-employed : I worked as a XXXX XXXX XXXX XXXX XXXX In XXXX I refinanced my home to help my son pay for college, and to do some needed repairs to the house, XXXX XXXX XXXX at the time. 
When the financial/mortgage crisis hit, I slowly lost clients, until I had NO work. In XXXX I first applied for the loan modification. Finally after XXXX years a certified package arrived, offering me a modification, and I had XXXX days to decide. If their terms were not accepted, I would be in default and lose my home. 
Thing is, the terms do not make sense. After an initial period of payments, the rate would rise to XXXX %, for the remainder of the term in XXXX. But the deal does not add up. After I have paid XXXX years I will still owe {$170000.00}! More than half of the original loan of {$300000.00} will still be owed. 
When I finally took action on my feelings of fraud I called Chase Bank, loan modification division. I was told 'nobody was supposed to keep those loans '. There was nothing Chase could or would do for me. Shortly after that conversation my loan was sold to a third party. Over the years I have tried to refinance but first I was self-employed, and now I am retired. I have never been late on XXXX mortgage payment since the loan modification in XXXX, have excellent credit that I put a lot of effort to resurrect, but get nowhere. 
The last time I tried earlier this year I was working with a loan broker that was confident he could help me. Nope. Nada. Nothing. He worked quite diligently and the only thing he could say is he felt the mortgage was being misrepresented at XXXX %, but never paying off the principal. 
I may have to sell my home of XXXX  years ( due to fixed income & fire insurance ) and the amount of equity I have accumulated since XXXX is very small. Can you help me?
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am filing this complaint against Bank of America due to the following violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Service ( IRS ) regulations : a ) Incorrect Reporting of Charge Off : Bank of America has incorrectly reported my account ( # XXXX ) as a " Charge Off '' to the credit bureaus. Despite the account being resolved, Bank of America continues to report this negative information, which has caused significant damage to my credit score. This is a violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers of credit information to report accurate and complete data to the credit bureaus and correct any inaccuracies. b ) Failure to Issue the 1099-C : In addition, Bank of America has not provided me with the 1099-C form required for debt cancellation. According to 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, a creditor must issue a 1099-C if a debt of {$600.00} or more is canceled or forgiven. To date, I have not received this form, which constitutes a violation of IRS regulations and complicates the proper closure of this matter. As a result of the incorrect reporting of the Charge Off and the failure to issue the 1099-C, my credit score has been negatively affected. This has directly impacted my ability to obtain credit and has caused undue financial stress. I have made several attempts to resolve this issue with Bank of America, but they have neither corrected the report nor provided the required documentation. I request that the incorrect Charge Off information on my credit report be corrected immediately, that the appropriate 1099-C for debt cancellation be issued as required by IRS regulations , and that the credit bureaus be notified of the correction to ensure that the negative item is removed from my credit reports.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted Experian. 

Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-22
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. (MO)

Errors related to 15 USC 1681c-2 appear on my credit report, showing inquiries that I did not authorize. These mistakes are hurting my credit, and I kindly ask for all unauthorized hard inquiries to be removed. Thank you.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Lac Courte Oreilles Financial Services II (FL)

Ive had issues with them harassing me from day one, Im having financial difficulties and the do not want to accept the minimum I can pay Ive asked them to cease and desist and they continue to harass and threaten me. Their newest threat is that Ive committed fraud. Anyone reading this be Leary of this company
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. (TX)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-04-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP (NY)

I was receiving unemployment during the covid pandemic on a card from KeyBank. My account was hacked and lots of money stolen. On XX/XX/2021 key bank sent me a letter saying that they found suspicious activity on my account and that they would close it and issue me a check for the funds stolen. The total was about {$5000.00}. They claimed they sent a replacement check but I never received it and after years and years of asking for helping and answers I still have not received any replacement check for my stolen funds. Keybank always gives me the run around every time I call and they have also become very rude when answering my questions and concerns.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TX)

I sent a request for information on my loan and did not get my concerns addressed, The financing company sent back a letter stating call for clarification, however every time I call I am rerouted to a different department and not able to get any XXXX to resolve my issues or concerns about the debt owed. if I try to access the account online sometime my access is restricted and at this very moment it displays that I can only speak to a representative over the phone but when I call, I am never able to get to the department that will assist me, I have asked for a supervisor XXXX today on XX/XX/2023 over XXXX times and a few agents hung up on or transferred me back to the automated system. this company does not want to help consumers and should be sued. I am not interested in mediation as I have tried for months to get a resolution to my concerns. I have my phone log and screenshots of not being able to log into the online portal at times and the chat option not being available for me to chat with a live agent and also not being able to select the amount of payment I'd like to pay ( being forced to select a certain payment amount )
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> i applied for business credit for my small business and was denied because of my financial status and my credit profile. TILA, ECOA, The Federal Reserve Act, FTC, OCC, FDIC, and CFPB all are regulatory bodies of all banks and financial institutions. 
bank Of America discriminated against me because i did not have credit that is up to their standards of granting me my own credit, and discriminated me because the information i provided to them is that i am not a minor and that i have the capacity to contract. 
I have ask them to return my application and they refused, they stated they have not securitized it so therefore it has been discarded. I have checked my credit file and saw that they have inquired and now i have not benefited from them securitizing my application, this is deemed securities fraud.

These banks take consumers social security numbers and our signature to enrich themselves and we the consumers does not get any benefit.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IL)

Under the Fair Credit Reporting Act ( FCRA ) sections **609** and **605**I am requesting verification and validation of all data related to this account, including but not limited to every notation, date, and balance, whether reported or not. I also demand proof that I consented to this inquiry as required by FCRA section **609**, and request confirmation of the accuracy of this inquiry under FCRA section **623**.

If you can not provide sufficient proof of consent or accuracy, I request that the account be removed from my credit report immediately**.Per the provisions of the Fair Credit Reporting Act, I expect a thorough investigation into this matter, and that you will recheck the account information with the original creditor.
Consumer complaint received 2024-09-27
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. (VA)

I am a victim oXXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )