davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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. (PR)

XXXX Account # XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (NC)

Hi there, on XX/XX/XXXX my card was used without my authorization at a XXXX in Ohio for {$310.00}, and XXXX XXXX in XXXX XXXX XXXX, Utah for {$10.00}. I live in XXXX, NC. I got a refund for the XXXX XXXX directly for the {$10.00}. I had to dispute the charge with XXXX on XX/XX/XXXX. On XX/XX/XXXX, my bank, Current Bank took {$310.00} from my account with no notice. The charge says Dispute Lost-Credit Reversal. I received no written or email notice that I lost the Dispute. 

I complained about this before and was told that they contacted the merchant and the transaction was a " Card absent transaction ''. I have also found out through that complaint that it was a delivery order. 

" The cardholders name and billing address matched the record. In addition, even if the delivery address was different from the cardholders address, there was a statement from the Delivery Order Document to Leave with my nephew he is homeless. Therefore, No Error Found. " I do not have a nephew in Ohio or anywhere else. I don't have siblings. I'm an only child. I can get a notorized statement from my parents if needed. 

The person had all my card information because my data was breached. So of course they had access to what they needed. They also didn't go into the store so they didn't need my pin number.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I made a purchase with my XXXX for {$160.00}. The next day I saw the transaction posted to my bank account even though I paid with another card/account. I reported it and Chase gave me a temp credit. Chase reversed the transaction but for {$140.00} which represents XXXX returns that I got refunded but it was refunded to my chase bank account instead of the XXXX which was the original form of payment. Chase is claiming that I did not provide information they had me on the phone over an hour giving me a run around. I submitted a screenshot of the transaction through XXXX  and called Chase again XXXX days later to follow up and they claim that they were not going to reverse the transaction because I did not submit the information.
Consumer complaint received 2023-04-12
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX ( account ending in # XXXX ) listed on my consumer report has violated my rights as described below : 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 state 's a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B states a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern : I have recently been informed that there is negative information reported bXXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$470.00}. I challenge the accuracy, compliance and report-ability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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. (TX)

When I investigated my updated credit report, I see that you didn't investigate some accounts because they are still erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$8.00}, XXXX XXXX Balance : {$5.00}, XXXX XXXX XXXXXXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX Balance : {$49000.00}, OAG CHILD SU XXXX XXXX : {$5000.00}
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

REGIONAL XXXX XXXX XXXX XXXX FIRE XXXX XXXX XXXX, XXXX  XXXX Account Number : XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 ) I never gave credit reporting agencies any written instructions to furnish any account on my credit report..
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/year>, I logged into the Barclay app and made a payment of {$500.00} on my credit card on time. The next day I logged into my XXXX Bank app and noticed that Barclay had taken an additional payment of {$500.00} from my bank account. I immediately called Barclay and the representative told me there was nothing they could do about it. 

This was theft, plain and simple! This is fraud. Taking funds out of a persons bank account with out their permission is THEFT, BANK FRAUD! 

On XX/XX/year> I logged into my Barclay account using the Barclay app and I made a payment fo {$360.00} on my due date. On XX/XX/year> I logged into my Barclay account using the Barclay app again and I made a payment of {$5000.00}. 

When I logged into my Barclay account using the Barclay XXXX on XX/XX/year> there was no record of my {$5000.00} payment. I called the Barclay representative and he said in a broken XXXX  and I did not make a payment of {$5000.00} as there is no record of this. I informed him that I have an email from Barclay stating they received it. This company has a history of lieing and committing fraudulant acts. When are you going to do something about it?

What's also bizarre is that as the principle of my Barclay account goes down, the minimum monthly payment increases. In XX/XX/year>, my minimum payment was {$360.00}. In XX/XX/year> it is {$370.00}. How can the minimum payment keep going up when the principle is going down??? 

I reported Barclay to you last month XX/XX/year> when they charged me a late fee on the date of the due date of XX/XX/year> when I had already made a payment of {$400.00} on XX/XX/year>. Your organization contacted Barclay and finally after some time they refunded the late fee of {$29.00}. However now, their statement states that if I am late i will be charged {$40.00} for a late fee. I have NEVER been late paying this company. I requested that they lower my interest rate from the exorbitant 29.99 % and XXXX in the Barclay President 's office wrote me a letter stating that they refuse to lower my interest rate. This company gets away this fraudulent activities and your organization does nothing!! I thought you were here to protect consumers? You need to have the FBI and FTC and all other government agencies investigate their activities. Since all of this has happened to me, how many millions of people are they doing the same unscrupulous and unethical and fraudulant acts to as well? Please stop this corporate greed and unethical fraudulant business practices of Barclay.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Cease and Desist Demand Letter XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX XXXX Texas XXXX XX/XX/year> CAPITAL ONE Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX number ( XXXX ) XXXX Subject : Cease and Desist Demand under 15 U.S. Code 1692c Dear Capital One, I have formally requested Capital one to cease all communication with me regarding the collection of the debt Capital one alleged I owe. Multiple times I have denied the charges due to fraudulent activities on the account.

This request is made pursuant to my rights under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Please consider this letter a formal cease and desist demand. You are hereby instructed to cease any and all forms of communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, emails, third party credit reporting and any other forms of communication.

The law defines communication as conveying information through any medium ie. XXXX XXXX, XXXX, XXXX. This means that communication is more than just email or mail correspondence. My credit report is a medium of communication through third-party affiliates such as XXXX, XXXX, and XXXX. Therefore, I also demand that you cease reporting this alleged debt to any credit reporting agencies. 

The details of the alleged debt are as follows : - Account Number : XXXX - Amount Alleged : {$8400.00} I am aware of my rights under the FDCPA, and I understand that once a cease-and-desist request is made, you are only permitted to contact me for the following reasons : 1. To advise me that you are terminating your efforts to collect the debt.

2. To notify me that you or the creditor may invoke specified remedies which are ordinarily invoked by you or the creditor.

3. To inform me that you are invoking a specified remedy.

If you continue to contact me or report this debt to credit reporting agencies after receipt of this letter, I will have no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I will pursue all available legal remedies for any violations of my rights under the FDCPA.

Thank you for your prompt attention to this matter. Please provide written confirmation that you have received this letter and that you will comply with my request. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (PA)

I attended XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXX, when I attempted to take out a loan for the school, I was too young and they coerced me into getting my grandfather to sign for me so I can attend their XXXX XXXX XXXX. When my grandfather started to get sick and eventually passed the school closed down, they lock the doors and lock their belongings inside and a few years later I noticed a hit on my credit score that I now old school who I didnt receive any kind of transfer credit or graduating I have been fighting with Navient then Aidvantage As well as the student aid for Borrower defense to help get this off of my credit score as well as report to the three credit bureaus that this loan was predatory and it has ruined my life. Im unable to get a car. Im unable to get certain credit cards. Im unable to sign for an apartment on my own at XXXX XXXX XXXX because a school closed down, took the money that I gave them and ruined my credit for the rest of my life, I dont see how they have been closed for predatory actions against people, but Im stuck having to pay alone and I didnt receive anything from the school that helped. I got my own job at XXXX XXXX XXXX XXXX XXXX XXXX  They didnt help me so I dont understand why I owe a business thats closed for the school that isnt the newspaper for literally being found guilty of these actions
Consumer complaint received 2024-06-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This has been going on for over two months. We have had ( and currently have an expiring HELOC account ) for nearly 30 years. We believe Bank of America is discriminating against us because of age... they have asked for same information multiple times and underwriters have no idea about items in our stock portfolio. They just keep asking for more and delaying decision.
Consumer complaint received 2022-10-29
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)

XX/XX/2019, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to 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 According to 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 2024-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (ME)

The main problem stems from being unable to log in. I have been asking for paper statements for nearly four years and have been denied. I have spent days on the phone with their customer service only to be told that they can not help. All I have ever sked for was my loan statements. Ally Bank or Finance refuses to send me even a single copy. 
They keep telling me that I have to log in to get that information. I can not log in including while their customer service is on the phone trying to help. Their system doesn't work it's that simple. 

Also they charged me an extra {$3000.00} for insurance that only covers if the car is stolen. This I believe is consumer fraud. My Full coverage insurance auto covers theft, initially they claim there's is for engine failure or other major problem not covered by normal auto insurance. 
I called their insurance company and was told that it only covers if the vehicle is stolen. so there is no actual insurance that they charge {$3000.00} for. That is a {$3000.00} plus finance charges, a completely fraudulent charge they add to the cost of the vehicle during the initial loan processing.
Consumer complaint received 2023-08-07
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. (NY)

XXXX XXXX and credit reporting agency are refusing to adhere to FCRA and the FTC guidelines and regulations. My personal information that was used to establish unauthorized accounts by my alleged ex is the same information that is being used to verify accounts not opened by myself. 

Please refer to FTC Theft Report.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccuracies present on my credit report. Upon reviewing my report, I have noticed discrepancies in the reporting of certain accounts and transactions. Specifically, there are entries that do not accurately reflect my financial history, including erroneous late payments and accounts that are reporting inaccurate information such as incorrect opening date of said accounts and inaccurate payment history. These inaccuracies are adversely affecting my credit score and financial well-being, as they misrepresent my creditworthiness to potential lenders and creditors.
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (IL)

Demand for face-to-face meeting with the Creditor to return Original Promissory Note, original Mortgage, original Assignment of Mortgage ; release of the lien signed by an authorized officer of the Creditor and proof of separation of asset from account receivable owned by the Creditor. 
on XX/XX/XXXX Servicer Wells Fargo N.A. for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX sold my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX for {$130000.00} to a bona fide buyer. 
I never received back my original documents after this sale - Promissory Note, Mortgage and Assignment to XXXX XXXX. I also never received any releases of the lien which means that my original Note and mortgage are still in circulation and generate about {$180.00} per {$1.00} dollar listed in the Note.

As the result, on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX system sent me a " Notice of Servicing Transfer '' to XXXX XXXX XXXX, XXXX with demands for payments for the " mortgage '' three months after my property was sold.

I demand ( A ) RETURN OF THE ORIGINAL NOTE AND THE ORIGINAL MORTGAGE ( B ) PRODUCTION OF PROOF OF PAYMENT AT ORIGINATION AND ALL TRANSFERS UPON WHICH THE PRETENDER LENDER RELIES FOR ITS AUTHORITY TO COLLECT THE MONEY AND ( C ) PROOF OF LOSS BY ACCESS TO THOSE PEOPLE WHO MIGHT HAVE RECEIVED AN ASSIGNMENT OF THE LOAN OR WHO HAVE A BACK-DOOR OWNERSHIP INTEREST IN THE LOAN THROUGH OWNERSHIP OF A DERIVATIVE OR CREDIT DEFAULT SWAP.

This is necessary to prevent multiply liabilities since it is possible for the occasional real note to pop up and someone else will demand from her payments, as it happened before despite the fact that her faux mortgage documents are supporting XXXX XXXX XXXX in credit derivatives, insurance and credit default swaps upon which undisclosed to her investment bank and its non-disclosed intermediaries hedge funds and XXXX XXXX had already been paid many times. 

XXXX XXXX non-human " lien release '' is not acceptable. I demand a face to face meeting with the authorized officer of the Creditor who has personal knowledge about accounting and bookkeeping to return me my original documents and a release of the lien we-ink signed by the authorzed officer of the Creditors and all other parties who had interest in the collateral.