davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
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. (IN)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of
the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Sec. 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX, mt credit reports on all three show different amounts owed and different remarks. Due to these errors my credit score decreased by XXXX points. The oldest age for my student loan account by XXXX XXXX is 22 years and one month. There are balances still reporting throughout all three credit bureaus. XXXX Equifax and XXXX are showing different things. Some say closed and some are still opened. This has impacted my credit score tremendously and need to be corrected. The student loan company has confirmed That I do not owe a balance
Consumer complaint received 2024-06-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

We live in Florida and homeowner 's insurance is a nightmare here. In XXXX, we called and let Newrez know that we were changing insurance companies and gave them all of the of the correct information. In spite of this, they paid the wrong insurance company and it took months to work it all out. 

In XX/XX/XXXX, we got our renewal from XXXX ( the current homeowner 's insurance ) and found it unacceptable. We had our insurance agent quote us out a new policy with XXXX. Upon receiving this quote, I went online to Newrez and used the contact us button to inform them that they are NOT to pay XXXX  and that we will be with a new company ( XXXX  ). They told me to email the insurance documents for the correct policy to XXXX. And I immediately did. Well, they went ahead and paid XXXX, anyway on XX/XX/XXXX. I went online and used the contact us button again to inform them they paid the wrong insurance company AGAIN for the second year in a row. Their response was to send the insurance docs to XXXX ( which I had already done ) and that any refunds will be my responsibility to obtain ( even though it is their mistake that caused this ). Since then, I've tried calling their insurance department at XXXX and get no response ( I'm either on hold forever and give up, or I choose call back and never hear from them ). I tried their online chat and they simply say they can't help me and tell me to call the insurance department. In the midst of all of this, my agent has also emailed the correct insurance documents XXXX times. I am stuck in a loop where I have the wrong insurance company paid and a mortgage servicer who will not respond to me to fix it. A SCARY proposition during hurricane season in Florida.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

All 3 credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX Account # XXXX is fraudulent attached is a ftc report. 

XXXX XXXX services is listed as me being an authorized user I'm not I've never been.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (SC)

I went to TD bank to open an checking account about a month ago and a few days later my first time trying to deposit a check from my place of employment but it would not accept my check so I just went and cashed it at XXXX the next day I got an email telling me to verify my account with my socials which I though I already did when I first opened up the account but I attempted to verify with my social card on the app but it didnt work so I had to come out to the bank again and thats when they told me that my account was closed due to fraud and that they couldnt do anything about it so Im just like XXXX XXXX I did, the only thing I can think about is they give you a check with penny on it to deposit but it doesnt even look similar to a real check maybe thats couldve showed up as fraudulent but I really dont know I never had anything to do with fraud this my first bank account ever trying to set up by myself but I know now Im not doing this by myself ever again
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

RE : AFFIRM. ACCT XXXX XXXX XXXXXXXX I have been trying to get this account offf my credit since XXXX because it is a result of identity theft. They will not take this off my credit reports and I am willing to give them XXXX more chance before I take legal action against their company. If this isnt taken off within XXXX days I will file suit against this company and suit will take place at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Suit will be filed XXXX days from this notification
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CO)

Dear CFPB, I am writing to formally complain American Express regarding the unwarranted changes to the credit limits on my business credit card accounts, culminating in the unjust closure of these accounts. The details of my complaint are as follows : XXXX. Background : I have been a loyal customer of American Express for over seven years, holding several business credit card accounts in good standing. Throughout my tenure as a customer, I have consistently paid my balances on time and managed my accounts responsibly. 

XXXX. Series of Non-Warranted Credit Limit Changes : Over the past few years, American Express has repeatedly and inexplicably altered the credit limits on my business credit cards without proper explanation or notification, causing significant disruptions to my business operations. Despite contacting customer service multiple times, I was not provided with a satisfactory reason for these abrupt changes. 

XXXX. Account Closures : Most recently, American Express took the drastic step of closing my business credit card accounts. This action was taken without prior warning or justification. The closure of these accounts has severely impacted my business, affecting cash flow and damaging my credit score. I believe this action to be both unjust and discriminatory. 

XXXX. Impact on My Business : The arbitrary changes to my credit limits and the subsequent account closures have caused undue stress and financial strain on my business. I have faced difficulties in managing day-to-day expenses and have had to scramble to find alternative financing options to keep my business afloat. 

XXXX. Attempts to Resolve the Issue : I have made several attempts to resolve this issue directly with American Express. Despite my efforts, including multiple phone calls and written correspondence, I have not received a satisfactory resolution. The customer service representatives have been unhelpful and unwilling to provide a clear explanation or rectify the situation. 

In light of the above, I am requesting the CFPB to investigate American Expresss practices regarding credit limit changes and account closures. I believe their actions to be unfair and detrimental to small business owners like myself. I seek the following resolutions : - A detailed explanation from American Express regarding the reasons for the changes to my credit limits and the closure of my accounts. 
- Reinstatement of my business credit card accounts with appropriate credit limits. 
- Assurance that such arbitrary actions will not occur in the future. 

I have attached copies of relevant documents, including correspondence with American Express and account statements, for your reference. I hope the CFPB will take immediate action to address this issue and help protect small business owners from unfair practices by financial institutions. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-12
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-10
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. (GA)

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-08-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

penny mac called today XXXX stated wll do partial claim couipled wth recovery modificaton at 3.50 % hgher that would make matters worth we have 6109 n stnd alone partial claim credits available.then XXXX stated in a good mood today will offer standalone if struggling borrower pays XXXX? this sounds very disingenious then he refused to put in wriiing and placed borrower under duress to decide.so wrong .all this runs contrary to what XXXX XXXX XXXX XXXX have stated XXXX XXXX XXXX XXXX in his letter XX/XX/XXXX their would be a partial claim, i do not trust penny mac conduct is aggregious
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX I wired {$47000.00} from my Chase checking account to a scammer who hacked my emails. I have tried to handle this with Chase since that day, including filing a police report at their request and providing all of the necessary information and they have not helped in any way. I have spoken to over XXXX people and have called at least once a week since XXXX and have not received ANY help from Chase. 
I have been mistreated, a rep made me cry over the phone, and they have done nothing to handle this situation. 
I am a long time customer with multiple accounts and they have done everything to help the scammer and nothing to help me. This case has been at the Executive office level and still, no returned phone calls and no help.

I need assistance and guidance with how to get my money back, as I still need to pay the correct person. I am desperate for help. I am a XXXX  widow with XXXX kids and need this money back. 
Thank you in advance.
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: World Omni Financial Corp. (AL)

While in civil litigation with XXXX XXXX XXXX XXXX, officials made errors and disclosure in the account to XXXX XXXX XXXX XXXX employees, agents and another male that's not my husband or anything else without my explicit or implied consent. SETF issued a repossession in response and retaliation by and through XXXX XXXX XXXX XXXX officials and lawyers for me suing them in federal court and to further cause me damages since I moved away. The account was transferred to collections and I was never notified and the terms were changed. The account should not have been sent to collections because I made XXXX XXXX XXXX dollars payments in advance of pay off on or about XXXX or XX/XX/year>. It covered over two years in payments. SETF didn't negotiate and remind me of either option to resume payments or nothing. From a court filing on or about XXXX XXXX, XXXX XXXX XXXX XXXX along with SETF ordered a repossession and never notified me about any options. The rep said it was only 45 days late and they requested payoff and never extended that either pay the late payment {$300.00} plus charges..SETF deliberately ignored my rights in this financial loan and sought to sale my car and retrieve their money. Instead, SETF demanded a full payoff. They had this company steal my car and never noticed me at all. SETF failed to communicate when they were considering sending it to collections and when this occurred and this is against the contract. I spoke to XXXX today, she claims they don't communicate by email and that's not correct. I have email reminders from SETF. I believe that SETF discriminated and engaged in identity theft, discrimination by allowing someone else to view, make decisions and change my account. The representative today XXXX XXXX said it was more than XXXX XXXX days late. Clearly, a lie. She said that she don't know where my vehicle is at. This is fraud and illegal.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NC)

Chase Bank has sent me XXXX letters saying they could not open the account I requested... I never applied for an account with Chase ... one dated XX/XX/year>, and one dated XX/XX/year>... they claim they could not open the account because they could not verify my identity... guessing that's a good thing, but it's some fraud going on for sure .... what do I do?
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (VA)

The remaining balance on my vehicle ( XXXX XXXX XXXX ) loan was {$1900.00} with the 10 day payoff amount of {$2000.00}. I paid the 10 day payoff amount of {$2000.00} on XX/XX/XXXX to close this loan out and receive my title. Bridgecrest requires you to call in the following business day ( which I did XX/XX/XXXX ) to have the amount applied to the principal only which I did to ensure the vehicle loan would be paid in full. Once you call in to have the principal amount paid, it takes approximately 48 hours for the updated balance to show online. This time it took 56 hours ( XX/XX/XXXX ) for my updated balance to show. On Thursday XX/XX/XXXX the balance didn't reflect XXXX, which is what I was expecting to see but a balance of {$1900.00} which is why I call and no one could tell me why this has happened! On Friday XX/XX/XXXX the remaining balance is now {$3900.00} and no one can tell me why. I just want my title to my vehicle as I have fulfilled my monetary contract with Bridgecrest for my XXXX XXXX XXXX. In reality, I overpaid and due some funds back.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IN)

I requested a dispute of incorrect information showing up on my auto insurance file in XX/XX/year> to LexisNexis and informed them off all the relevant information and facts about the matter. In XX/XX/year> I received their decision of not to correct my consumer auto insurance file saying an accident was my fault even though it wasn't my vehicle, and I wasn't on the police report. The XXXX XXXX XXXX XXXX illegally paid the claim after I informed them about it being a frivolous claim and not to pay it. The Indiana law states specifically that a hit and run can't be claimed under an uninsured motorist claim unless the person that performed the hit and run is found and they indeed do NOT have insurance, which wasn't performed as per the police report. Additionally, the claims adjuster could have clearly seen I took the individual and vehicle off my policy in XXXX once they moved out of my residence and into another one in another city, but the insurance company still let the individual add themself back onto my policy without my knowledge or permission long enough to file a frivolous insurance claim, which in turn has increased my insurance rates for over XXXX years now with no success of getting it corrected for whatever reason.
Consumer complaint received 2024-06-10
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: LEXISNEXIS (IL)

XX/XX/2023, I sent a letter to the courthouse asking do the 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 a 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.