davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NY)

On XXXX XXXX I was admitted into the hospital for an entire month due to previously diagnosed XXXX complications and stayed for 4 weeks. There were several transactions made during this time some I did not dispute. I alerted the bank of these transactions in both accounts on 2 different occasions and a dispute was filed. My police report was sent via email and that was not considered. I received a letter stating that they are reversing the dispute credits because I have previously dealt with the merchant. I never said that I did not deal with them at that time I did not because I was very ill and hospitalized. 
They have been reversing the transactions every month since XXXX. The reasoning is not clear as there was no investigation because me an the officer went to two of the locations and they confirmed that I had not been there in the month of XXXX. When I contacted the Bank I was still in the hospital and the representative was bias when it comes to people of color. The representative kept calling me Mr. and I'm a woman with a deeper voice did verification twice To make sure it was me and asked me the same set of questions 3 times in a row to see if she would catch me in a lie and stating that its there policy to ask 3 times and I have personal experience from working at a bank so I know this is not true, she was basically telling me that I was not being forthcoming. I have been faced with this for along time with Key bank. The representatives insensitivity the fees, unwillingness to understand and lack of knowledge of the bank products itself and the rules that they are governed by. Also many don't seem to comprehend your Issues and will transfer you to the wrong dept.
Consumer complaint received 2024-04-12
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. (NY)

There are some unauthorized inquiries on my credit report that I did not approve of from : XXXX  XXXX, XXXX  XXXX and XXXX  XXXX XXXX
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
6. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report.

11. XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
13. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

SUBJECT : Immediate Action Required : Non-compliance with FCRA Identity Theft Blocking Requirements Dear Consumer Financial Protection Bureau, I am contacting you to report a critical issue that remains unresolved despite my previous attempts to address it directly with the involved consumer reporting agency. I initially alerted the agency to an identity theft issue via certified mail on XX/XX/2024, but as of XX/XX/2024, the erroneous information derived from this identity theft is still appearing on my credit report. 

Pursuant to Section 605B of the FCRA, it is mandatory for consumer reporting agencies to inform data furnishers, including financial institutions, when they receive notice of identity theft. I fulfilled my part by providing the necessary FTC report numbers XXXX and XXXX, alongside a request to block the fraudulent entries. 

Moreover, Section 623 ( a ) ( 6 ) obligates furnishers to stop reporting any such disputed information no later than four business days after receiving ( 1 ) adequate proof of my identity, ( 2 ) a copy of the identity theft report, ( 3 ) my identification of the disputed information, and ( 4 ) my assertion that the disputed information does not pertain to any transaction I have conducted.

Despite meeting all the required conditions, the erroneous information remains unblocked, which is a clear breach of FCRA 15 U.S. Code 1681c-2. This failure subjects the reporting agency to potential civil liability for any damages I have incurred, as stipulated under 15 U.S. Code 1681n due to their willful noncompliance.

I am relying on the CFPB to take prompt and decisive action in this matter. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (TX)

Initiated a short sale with a private investor in XXXX of 2023. Sent PHH inquiry to get short sale approval. Did not receive correspondence for documents for short sale to be reviewed by PHH till late XX/XX/2023. Was informed on XXXX XXXX by PHH Mortgage on all that was needed by Relationship representative. All documents were submitted on the XXXX. I was also informed that a foreclosure auction date was set for the property on XX/XX/XXXX of this year. I was never served nor sent by certified mail a Notice of Default and Notice to accelerate by PHH Mortgage before the filed for foreclose sale with the County Courthouse. PHH has been unprofessional, incompetent, and hostile during the whole process of the mortgage service for XXXX XXXX which holds my note. I accuse PHH Mortgage of fraudulent and deceptive servicing practices and fraudulent foreclosure procedures that are against Texas law.
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WV)

It happened on XX/XX/year> the company call XXXX call me where I buy the product for my son, and the recipient said the package was lost and they told me they could help me to get my refund. So they said download this app call on-site desktop so I did. After they that they went in there and went to my chase app which I said automatic sign in and they do wire transfer all my money which I didnt know or received and message from chase bank. The first transfer in the amount of XXXX to the recipient name XXXX and the second tranfer in the amount of XXXX to the recipient name is XXXX they both went to the same bank call XXXXXXXX XXXX. I was busy with a customer during that time thats why I didnt know anything. When my wife saw there was money transfer out of both of my account and it was pending so I call chase and ask them to put a stop on that and they said they cant so I file a claimed until now they no respond from other bank and they said theyre not reimburse my money. I keep calling and calling but no good news. So I went and make a police report and the police they try to help me but not guaranteed. The police case number is XXXX thank you
Consumer complaint received 2024-04-11
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. (OH)

Upon reviewing my credit report, I discovered several hard inquiries that I do not recognize. I have reached out to all three credit reporting agencies, yet they have declined to initiate any dispute or investigation regarding these inquiries. Attached here is an FTC report which clearly outlines all the unauthorized inquiries, including those mentioned in the personal statement section. I kindly request the removal of these inquiries from my credit profile.

15 U.S. Code 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by a consumer ( 3 ) Information agency regarding inquiries, Except as provided in section 15 USC 1681g ( a ) ( 5 ) of the title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( account name XXXX XXXX XXXX Account XXXX. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Dispute Letter Under 15 U.S. Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Fair Collections & Out XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Nonpublic Personal Information Disclosure Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute the disclosure of my nonpublic personal information by your institution, as I believe it violates the provisions set forth in 15 U.S. Code 6802. This law restricts financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without proper notice and consent.

According to 15 U.S. Code 6802, a financial institution may not disclose any nonpublic personal information about a consumer unless : The institution has provided the consumer with a clear and conspicuous notice that accurately describes the institutions policies and practices regarding the sharing of such information.

The consumer has been given an opportunity to opt-out of such disclosures.

I have not received any such notice from your institution regarding the sharing of my personal information with third parties. Therefore, I request that you provide me with : A copy of any notices sent to me concerning the disclosure of my nonpublic personal information.

Details on any third parties with whom my information has been shared.

An explanation of how this disclosure complies with the requirements outlined in 15 U.S. Code 6802.

Please consider this letter as my formal request for an investigation into this matter under the provisions of applicable laws. I expect a response within thirty ( 30 ) days as mandated by law.

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

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-11
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. (NJ)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. 

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX section XXXX ( a ), it is mandated to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a respect for my right to privacy. As a consumer, I am entitled to safeguard my private information, as supported by XXXX XXXX XXXX, which emphasizes the obligation of financial institutions to uphold customer privacy and confidentiality. 

Pursuant to XXXX XXXX XXXX section XXXX ( a ) ( XXXX ), consumer reporting agencies such as Equifax and XXXX and XXXX are only permitted to furnish consumer reports with the explicit written instructions of the concerned consumer. However, I have not provided any such consent for them or any furnisher of information to credit agencies to share my information. The Accounts in question are 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 Furthermore, XXXX XXXX XXXX ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosures. However, I have not been given this option by the furnisher of information to credit agencies. 


Moreover, XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Yet, this account is being reported adversely without my consent, violating the law. 

Additionally, XXXX XXXX Code XXXX ( A ) ( XXXX ) mandates that information furnished to consumer reporting agencies must be accurate, while XXXX XXXX Code XXXX requires consumer reporting agencies to maintain reasonable procedures to prevent violations of FCRA sections and to limit consumer report furnishing to permissible purposes. However, Equifax and XXXX and XXXX are not adhering to these standards. 

Lastly, XXXX CFR XXXX affirms the consumer 's right to opt out at any time. Therefore, I am choosing to exercise my right to opt out of your reporting services.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

So, I deposited my paycheck amount is XXXX $ on XX/XX/XXXX and I accidently lost the check, but on XX/XX/23 i got the letter said that the check that i lost was also paid at Bank of America on XX/XX/23 and now my account is closed due to negative balance. 
I did go to three of the banks that were involved which is XXXX ( my bank ), XXXX XXXX  ( check belonged to ), Bank of America ( Bank that been Cashed out the check ). These bank always keep saying the same thing which is not there's fault and they keep blaming each other. I do have the police report and now i dont know what to do.
Consumer complaint received 2018-08-31
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc. (TX)

XXXX XXXX XXXX Gm financial Lease I signed for 48 mos {$440.00} a month I was told they needed {$2500.00} down I traded in a car rebates ate my negative equity. Dealer tried numerous sales tactics, they also lied and told me score was lower, I put {$3500.00} on vehicle new vehicle had {$6500.00} in rebates and it was a demo so I intotal put $ XXXX down. Vehicle had numerous issues and vehicle was damaged before purchase and never disclosed! Dealer never informed me once informed the flagged me with Gm finanacial and refused to trade me out of the vehicle. They forced me to keep vehicle and blackmailed me. I was forced to pay almost XXXX for a car stickerd at XXXX. The paint peeled from their XXXX repair and the dealer and service manager purposely scheduled appts inconviently. Once I called Gm customer care to report their inappropriate behavior. They flipped the script to make me look wrong with Gm custom. Numerous attempts to repair exterior finish eluded to a vehicle that looked like it was 4 years old when its only 1 year. DEALER PURPOSLY DAMAGED MY BRAKES AFTER EVERY REPAIR. On the way home from first repair car sounded like brakes were applied without depressing pedal. The advisor informed me it may be a Rock caught in the pad and rotor? I dont drive on dirt roads or jungles! Rock was from parking lot of dealer. Numerous pads and rotors replaced in a course of 1 year. When consumer attempts to trade vehicle in credit score XXXX plus. Dealership had me drive 70 miles 1 way to come in to inform me I needed to pay {$1800.00} down to trade in for another demo with XXXX miles. Not the color or features I wanted. They stiff armed me into a vehicle lease on XX/XX/2016 on XX/XX/2016 when vehicle went to be repaired I was railroaded into resigning lease agreement only never presented with buyers order or informed what payments would be prior to signing! I paid my down payment after I signed my paperwork! They forced me to pay card on theXX/XX/XXXX but I never received paperwork! I then had to bring {$1.00} cash by XXXX XXXX to close deal and then Id get my paperwork! Never received proper paperwork! Keys missing and all! Dealer beyond disrespectful! Service manager full of balogna to be nice and descreet on voicemails but then change his Story in person. They all worked together to XXXX over a hard working individual. I tried purchasing my lease through the dealer they wouldnt let me do it. There was always a problem. The dealer wasnt helping they never offered to swap me out of s vehicle without me putting anything out of my pocket! They also inflated the payemnt so high it was ridiculous. I tried purchasing a truck theyre woukdnt let me trade. I make the money and I have the credit they Just did things out of. They reported I was late paying and I never was late! Id like all derogatory remarks removed
Consumer complaint received 2024-04-12
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group (CT)

Two years ago I retained Infinite Law group to consolidate credit card debt. They initially sent a mailer offering loans to consolidate debt, but when you respond to them they inform you that you are not eligible for a loan, but instead they will negotiate with your lender to reduce your debt. 
XXXX of XXXX, they rebranded to Derek Williams Law group. The service began to deteriorate and the fees escalated to over {$150.00} per month. 
It became more difficult to get them to answer my questions and they continued to do very little to help my situation resulting in a drop in my credit score of almost XXXX point. Previously, my score had remained fairly stable during the process. 
I called them in late XXXX of XXXX with a question and found that the office was closed during their stated business hours. Since they had a local Attorney in Connecticut, I called him to see what was going on. He ultimately told me that the XXXX XXXX law firm had a restraining order in several states and that he was resigning as their local representative. He suggested that I block the next withdrawal, which I did, and leave the agency. I sent an email requesting immediate termination of business and return of all funds held in escrow by XXXX XXXX. I did get XXXX to return my last deposit, however they had taken out their fee of XXXX leaving me {$360.00}. I have reported this company to the State of Connecticut Consumer Protection. They still have restraining orders in several states still in place. What chance do I have of recovering some of the exorbitant fees.