davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had rented a safe deposit box since XX/XX/XXXX.The rental fees were paid always before the due dates. 
XX/XX/XXXX - I received a notice dated XX/XX/XXXX from Bank of American : notified me that my safe deposit box was forced open by drilling the lock due to no receipt of requested renter ( s ) information. 
XX/XX/XXXX & XX/XX/XXXX I took my time off from work to meet with BoA representative to handle the issue. I was forced to make payment {$150.00} for the drilling fee in order to submit the request to get back my contents of the box.. 
XX/XX/XXXX I found there were missing documents, a broken jewelry and a XXXX-gram gold plate during the safe deposit box contents check. After that, I had to take back the contents immediately although the safe deposit box fee had been paid for the period until XX/XX/XXXX. I was getting the risk to transport the contents to my home. 
XX/XX/XXXX I mailed a Customer Loss Claim information to BoA 's representative. 
XX/XX/XXXX I emailed the BoA 's representative to follow up the loss claim form receipt. 
XX/XX/XXXX I mailed the Customer Loss Claim and the email copy by certified mail to the the BoA 's representative, trying to confirm receipt of the claim. 
XX/XX/XXXX I received a call from the BoA 's representative informing me that the claim information was forwarded to an investigation unit which will contact me directly. 
XX/XX/XXXX I received a denial letter dated XX/XX/XXXX. 
From the above experience, I believe the bank treat me very unfairly and I do n't think it is safe when you put your important stuff in a bank 's " safe deposit '' box. 
1 ) I do n't understand why Bank of American just sent me A REGULAR letter before forcing to open the box. 
2 ) Why Bank of American opened the box without informing the customer who was paying the fee in time, never delay. 
3 ) Forcing customer to pay the drilling fee without good reason. 
4 ) During the whole period of time above, the Bank of American representatives did n't apologize or thank for anything to me. I do n't think they were doing their job professionally!!
Consumer complaint received 2017-03-24
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: PNC Bank N.A. (FL)

A 20 year loan at .0875 simple interest, in XX/XX/XXXX and ongoing, we have made {$17000.00} in principal only payments, as allowed by our original contract ( XX/XX/XXXX ) and interest has been taken out of those payments. There are other anomalies in the account history, that are different from the actuarial table. We have not been given an explanation that is much more than making the numbers say what they want. We have been trying to pay this off since XX/XX/XXXX in person at PNC Bank XXXX Fl. and 26 phone calls, many not answered or returned, since then. The payoff amount is always about {$4000.00} high by my arithmetic. PNC Bank and we have been going around on this since late XX/XX/XXXX. It is my opinion they ( PNC Bank ) is stealing {$4000.00} from us and with the continuous avoidance and runaround {$6.00} a day in interest since XX/XX/XXXX. Mostly they, ( PNC Bank ) continues to not respond.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Dear XXXX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 

The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$6200.00} Account Number : XXXX Party Owed : XXXX XXXX  Amount : {$500.00} Account Number : XXXX Party Owed : XXXX Amount : {$2000.00} Account Number : XXXX I am disputing this claim due to. I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1661 b. The Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 

You, XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly conunit fraud and cause harm to consumers. 

This is the official request to have the aforementioned item to be deleted off a credit report. 
Enclosed may be additional evidence to support my claim Sincerely, By XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (VA)

I Have Been Incerated in a XXXX Facility for 9 years and have had a family member commit fraud and stole my identity I have filed charges on her and I have proof stating I was not out to file any bankruptcys thats reporting on my credit please help me fix this problem and remove this information from my credit that was fraud and not me. Thanks
Consumer complaint received 2024-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (IL)

I received a letter from Caine & Weiner that still didn't include the itemized statement I requested explaining why I owe the money they say I do. Based on my records, i don't owe this. I'm refusing to pay this.
Consumer complaint received 2024-04-06
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. (DE)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-01-16
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 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 2024-01-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (TN)

At the end of XXXX I was notified that the XXXX payment had not gone through. I immediately went online and notified them that the payment card had been canceled by XXXX XXXX XXXXXXXX due to fraud, and then a new card was issued. They told me to input my new card, which I did. Then in XXXX I was notified that I still owed them XXXX, XXXX and XXXX payments totaling {$210.00}. I immediately went online on XX/XX/XXXX to look at the information saw that my previous card was in there as well as the new card that I updated the payment method and I started another chat with them. I am enclosing the chat so that you can see I am very concerned that this company is doing a switch and bait tactic by telling people you now have to update your revised payment method in the original purchase order and not just on their site and then putting you into collections so that they can get out of the extended repayment. On the loan and turn you over and ruin your credit.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Under the FCRA, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original credit or documentation. 

Since they can not provide proof of verification to me in the form of a physical contract document, per my request, then the account is considered " unverified '' and under the FCRA all unverified accounts must be deleted. 

Section 609, Page 35. The bureaus are required to disclose to me exactly what documents are stored within their computer base that were used to verify the information that is being reported about me. 

Page 37 ( 2 ) ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from my file unless the information is outdated under section 605 OR CAN NOT BE VERIFIED. 

Basically, I have requested twice for the account to be " properly verified '' and as of today the only thing the reporting agency can say to me is that it has been verified electronically through EOSCAR system. That is in violation of Section 609 of the Fair Credit Reporting Act. 

This is my complaint and that is why I need your help to get XXXX Account # XXXX DELETED from my credit file. 

Enclosed please find papers relating to this complaint. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

Good afternoon, I purchase a home in I believe XX/XX/XXXX and unfortunately due to financial difficulties defaulted and went into foreclosure, I did apply for a loan modification but it was not approved. I had two loans the second was a balloon payment. Ditech financial is the company trying to collect on the debt. Its been over ten years and they do no stop sending letters or calls. On occasion I have spoken to them and let them know it was impossible for me to pay this debt and of course I no longer have the home. it is frustrating to keep seeing them report on my credit its past ten years and still receievig calls and notices. I have disputed their credit reporting with no progress in getting them removed from the credit report. What rights do I have to get these people to go away.?
Consumer complaint received 2024-01-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (MI)

I ordered something from XXXX in XXXX that was never delivered. I have reached out to both Affirm and XXXX to let them know I never received the item. They keep telling me it was delivered but provide no proof but claim there is a delivery photo. They have yet to show me the photo as I believe this was delivered to someone else. I did not receive this order and am not going to make the payments on the loan for merchandise I never received. I have been disputing this for 2 months now and getting nowhere. I have had several loans with Affirm and have had no issue repaying them, but I will not pay when I have nothing to show for it. I have disputed with XXXX and been put on hold for hours only to be hung up on. I have disputed with Affirm who only tell me to contact XXXX. I am not paying anything else on this loan and will dispute it with the credit bureau if it is put on my credit report. I have an open lawsuit already with XXXX, I will gladly add this to the suit if it is reported.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with FCRA, this creditor has violated my rights. On the 15 USC 1681 sec 602 states that i have the right to privacy, 15 USC 1681 sec 604a sec 2 also says that a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2018-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (NY)

I am receiving notification that I have a XXXX XXXX debt that I do not owe. It has been placed on my credit report and the debt collector has asked me to pay a settlement amount in which I do not owe. I have not paid it or agreed to pay it. Client services is the agency asking me to pay from {$270.00}.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (FL)

In accordance with Florida statute of limitations ( FDCPA - F.S. 95.11. ) the contract date of this account is way past the 5 year limit for valid reporting according to said regulation. Account should not be on my credit report, in fact JPMCB AUTO FINANCE continues to change the date on this account by reporting an erroneous payment date in order to make it appear younger than what it is, and this they continue to do despite my numerous requests to rectify the problem. Theyre claiming some credit that they issued to my account on XX/XX/XXXX. My last payment was made more than 5 years ago. In fact this account is over XXXX XXXX XXXX and the term was 42 months and since they claim I owed them the last three months of the term in reality my last payment would been 39 months after the start of the loan which was XX/XX/XXXX, or over 9 years and three months. What JP Morgan is doing to me is showing blatant disregard for the rights afforded me by the Florida Statutes, namely FDCPA - F.S. 95.11.
Consumer complaint received 2023-09-28
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2024-01-15
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. (TN)

XXXX XXXX XXXX XXXX acct # XXXX failed to provide proof of this account is XXXX XXXX XXXX account with a physical signature for this account. This a violation of 15 usc 1681b for that I didn't consent to this account being reported. Also XXXX XXXX has failed to validate this account is mines under 15 usc 1692 g validations of debts. I also found that XXXX XXXX XXXX XXXX Equifax and XXXX have been been selling my debt as securities and making profit according to the Sec filings that's filed without my permission. This is also a violation for my consumer rights under 15 USC 1348 which is Securities and commodities fraud
Consumer complaint received 2024-01-15
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. (TX)

ON XXXX XXXX a letter was sent to equifax in regards to some incorrect information being reported inregards to collection information. Im currently in the process of buying a house and this informatin is holding up my families progress
Consumer complaint received 2024-04-07
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and TRANSUNION are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and TRANSUNION do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TRANSUNION, ( XXXX XXXXXXXX  ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and TRANSUNION are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX reporting services.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have contacted the credit bureau of this inaccurate information to be removed and the court order attached from the court of the alleged debt was dismissed without judgment of {$0.00} because it isnt mine. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Graves ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
Attached is the court order from XXXX XXXX XXXX XXXX