davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc. (IN)

I first received a catalog for a company I have never heard of a few weeks before, It was from XXXX XXXX. On XX/XX/2021 I received a notification from XXXX XXXX XXXX XXXX XXXX/Swiss Colony ran my credit and I have a hard credit inquiry. I never ran my credit for anything in the past 4 months. I believe my identity was compromised.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

I went into my local JP Morgan Chase Bank in XXXX AZ on XX/XX/XXXX and filed a Sales Purchase Agreement per the contract and had my personal banker transfer XXXX to another Chase Account of the " fiduciary '' on the contract. I spent several months trying to finalize the transaction which ended up being a complete fraudulent scheme which provide forged international documents, false banking wires, and false contact information. I called Chase Bank in XXXX of XXXX and was told someone would contact me to help resolve the matter. I never heard back from them, I attempted to call the corporate numbers and spoke to someone in fraud but they advised me that it was not fraud and a " very fine line '' between scams and fraud and they had to get another department to help me then I'd be put on hold for a minimum of XXXX minutes before I had to hang up and I've sat on hold for over an hour on XXXX separate occasions with nobody ever picking up the call. Today I made another attempt and was placed on perma hold again. I want to file a complaint against JP Morgan Chase for avoiding my claim and in helping me to try to recover my money.
Consumer complaint received 2024-04-08
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am relocating to another state, applied for a rental house and I was denied. 
My credit score use to be over 800, and now it is in the low 700s, drop of a XXXX points. 
Would like to know the reason for that. 
I am retired. Please help me with this issue! 
Thank you, XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Unauthorized Inquiries on credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Sensible Auto Lending, LLC (NC)

i had a XXXX XXXX in XXXX XXXX XXXX i was place in a XXXX i offer to pay something to keep the loan update to pay until i return back to work matter fact i paid the car note for 3 month until i got done with XXXX i ask them to sent me a 1099 E because the account is showing up on my comsumer report i just want this company to give a 1099 form because it shows ( profit and loss )
Consumer complaint received 2023-10-19
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. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I financed a used vehicle from XXXX XXXX XXXX in XXXX  and I was aware that I was financing for the amount of XXXX. I have yet to get an update on my credit report. they are reporting late payments when i have made 24 on time payments which is more than the cost I agreed to finance. I have contacted XXXX XXXX, and they told me that my contract stated that I owe XXXX, which was not what I agreed to. I have been frauded of an auto loan. My signature was forged on a separate contract that I am not aware of I didn't agree to an auto loan for XXXX and I am aware of the violations of the TILA ( truth in lending act ) an XXXX XXXX is in violation of, Lenders have to provide borrowers a Truth in Lending disclosure statement. It has handy information like the loan amount, the annual percentage rate ( APR ), finance charges, late fees, prepayment penalties, payment schedule and the total amount youll pay. 
If a disclosure becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of this part, although new disclosures may be required under paragraph ( f ) of this section, 1026.19, 1026.20, or 1026.48 ( c ) ( 4 ) .Creditors must re-disclose terms or costs on the Closing Disclosure if certain changes occur to the transaction after the Closing Disclosure was first provided that cause the disclosures to become inaccurate. There are three categories of changes that require a corrected Closing Disclosure containing all changed terms. ( 1026.19 ( f ) ( 2 ) ) Changes before consummation requiring new waiting period. If one of the following occurs after delivery of the Closing Disclosure and before consummation, the creditor must provide a corrected Closing Disclosure containing all changed terms and ensure that the consumer receives it no later than three business days before consummation. ( 1026.19 ( f ) ( 2 ) ( ii ) ; Comment 19 ( f ) ( 2 ) ( ii ) -1 ) The disclosed APR becomes inaccurate. If the annual percentage rate ( APR ) previously disclosed becomes inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected APR disclosure and all other terms that have changed. The APRs accuracy is determined according to 12 CFR 1026.22. ( 1026.19 ( f ) ( 2 ) ( ii ) ( A ) ) The loan product changes. If the loan product is changed, causing the product description disclosed to become inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected loan product and all other terms that have changed. ( 1026.19 ( f ) ( 2 ) ( ii ) ( B )
Consumer complaint received 2023-10-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc. (UT)

On XX/XX/XXXX XXXX XXXX in Utah sent me a invoice and note about a past due invoice saying that I had until XX/XX/XXXX to pay {$1000.00} amount in full or else they will send the debt to collections. A few weeks ago I received a letter from MLC collections dated XX/XX/XXXX thar they were attempting to collect the debt from XXXX XXXX. Same debt that I was just told that I had until XX/XX/XXXX to pay. They also added on {$300.00} worth of interest and fees. I called XXXX XXXX and was told that if I paid them by XX/XX/XXXX that they would take off the fees. I called XXXX XXXX today, XX/XX/XXXX, to pay the amount in full and I was told that they wouldn't take my payment because MLC already had the account. I spoke to a XXXX XXXX and told her about the letter I had that said I had until XX/XX/XXXX to pay and at first she told me that she knew nothing about a letter as I insisted I had it in writing she then started in on other excuses, honestly confusing herself from time to time. She wouldn't let me pay her or talk to anyone else, telling me she was the highest I could go. I then called MLC and they were concerned about the letter and told me to email their attorney but it could take 30 days for them to resolve it and they would be charging me interest daily while I wait. I asked if I could just pay the balance without the fees and she said no, it wouldn't be paid in full until I paid my balance and the fees. I spoke with XXXX. I asked her to put in the system that I did not want to be contacted by phone and about XXXX hours later I had someone else from MLC call me trying to collect the debt, after I asked them not to call me again.
Consumer complaint received 2024-04-08
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. (NC)

It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.
Consumer complaint received 2023-10-18
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. (HI)

In accordance with the Fair Credit Reporting Act, 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. 
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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Neighborhood Assistance Corporation of America ("NACA") (MO)

No one from NACA has responded to my emails or provided a written response stating that is was discussed in the last meeting in XXXX. I have an email dating back to XX/XX/XXXX with no response and I several other emails with no response. I have emails requesting support, help and how to move forward. All emails are also being sent to my NACA client portal file. My pervious CFPB complaint was answered by XXXX XXXX XXXX XXXX. NACA XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX but this person has never spoken with me or emailed me and I am unsure of her role with the NACA company.
Consumer complaint received 2023-10-18
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: DriveTime (NV)

I applied for financing from Drive time for a vehicle and despite having approximately {$6000.00} a month in income they were only qualifying me for XXXX a month and requesting that I pay a down for approval. I believe the financing team at this company is engaging in predatory lending practices. I was in a no fault accident and am without a vehicle currently trying to maintain XXXX jobs and caregiving for my elderly mother this is unacceptable behavior.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

On XX/XX/2021, I contacted Citizens Bank and relayed my concerns that there were technical issues with my account, in terms of account access, on going ACH depositing issue and password issues. I was assured that the representative with whom I spoke with would resolve this instead, it was temporarily resolved for the month of XXXX but the issue reoccured on XX/XX/2021. 

I reached out to the company on XX/XX/2021 and I was told that they could not refund the fee of {$37.00} which they charged my account as an overdraft fee for non-payment. I had to re-set up another direct ACH recurring transaction between XXXX and XXXX who services my student loan. Ever since I opened this account, I have been having issues. I can not use a bank who refuse to address its poor customer service, delayed response system at the expense of making money. I am unable to process the last time I had a returned fee check and it is with this bank. I do not have these issues with XXXX.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-18
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: Experian Information Solutions Inc. (TX)

I am resending my letters today to all the credit bureaus, to advise them of the inaccuracies that they kept on furnishing on my credit report. Once again, I am requesting these credit bureaus to kindly erase and pull-these invalid accounts out of my files immediately, as these are all incomplete and unverifiable to me. I have already stated everything on my letters.
Consumer complaint received 2023-04-19
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND XXXX CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

this account is a complete violation of the no surise act, delete the listed accounts XXXX XXXX XXXX XXXX XXXX {$3200.00} PAST DUE XXXX XXXX XXXX {$42000.00} PAST DUE COLLECT CANT BE PAST DUE VIOLATION OF HIPPA LAWS VIOLATION OF SUPRISE ACT LIGIGTION WILL FOLOOW IF NOT DELETED
Consumer complaint received 2024-04-08
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)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3700.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Dear Credit Bureau, for your great work and reliability, I am writing you this letter in order to investigate again the elements named below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Since I have not made any contract with these companies which I do not know and I have not given my consent and authorization to the distribution of my personal information, I ask you to verify all the elements truthfully and to request information where I have my signature, otherwise it should be removed from my credit report since the fair credit report law you must eliminate everything that is inaccurate and fraudulent and I respectfully ask you to be as accurate as possible to verify these negative elements.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (WA)

My call was to determine why Flagstar, loan servicer for XXXX was not applying my extra payments to the loan principal like XXXX XXXX  did before XXXX transferred my mortgage to XXXX in XX/XX/2023. To date, and I have proof, XXXX is placing all of my extra payments in suspension. This practice doesnt decrease the loan principal. My regular monthly payment is {$990.00}. Each monthly from the time I took the mortgage out with XXXX XXXX I have made XXXX or more extra payments to be made or applied towards the loan principal. There wasnt any issues with XXXX XXXX applying the extra payments to the loan principal. However, after the loan was transferred or sold to Flagstar/XXXX, ALL of my extra payments have been placed in a suspended account. When I called Flagstar about this problem they first said there wasnt an issue. They later said, during that same conversation that they would reverse those payments and apply them to the principal.they lied and yes, based on their own website, I have documented proof. I want ALL of my extra payments past and future to be correctly applied to the loan principal. Calling them is a total waste of time. Their loan servicing department is their debt collection department. I have NEVER missed a payment. Im actually paying more than most folk via making {$990.00} extra payments to the loan principal. However, XXXX refuses to properly apply those extra payments.
Consumer complaint received 2024-04-08
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. (CA)

On XX/XX/XXXX. XXXX XXXX XXXX XXXX incorrectly reported to Equifax And XXXX XXXX that account is 30 days passed due. The account was closed and paid in full on XX/XX/XXXX. I've asked that proof is provided of the late payment status on the account effective XX/XX/XXXX or delete the negative status on this account. The negative status should not have been reported on the account that has been closed since XX/XX/XXXX. According to the Fair Credit Reporting act. this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy USC 1681 604 section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on the account under an open end consumer credit plan as late for any purpose.