davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation TARGET/TD Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 9. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation MIDLANDCRE Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2017-05-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (MD)

In  XXXX   XXXX  I purchased a  XXXX   XXXX   XXXX . In  XXXX   XXXX  the car was repossessed for delinquent payments. I paid {$980.00} to recover the vehicle and deferred the current payment (  XXXX   XXXX   )  to remain in a good standing making  XXXX   XXXX  the next payment due. A month later in  XXXX   XXXX  the car was repossessed and was not behind in any way shape or form. 3 days after the car was repoed  Westlake Financial r eleased the vehicle at no expense to me. I later filed complaints with the cpfb and for a few months  WF  responded. I have n't heard anything in months from them, On  XXXX   XXXX  WF repossessed and I was forced to file Bankruptcy ch.  XXXX  to recover the vehicle. WF are very unprofessional rude and just out right nasty. I have had only one rep to show some type of compassion or customer towards the situation. I am currently still trying to recover the vehicle.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I am currently on a three year Modification Plan with my mortgage company. This Plan will end in XXXX, XXXX. I was notified that beginning XXXX, XXXX, my monthly mortgage payment would increase by {$210.00} because my Escrow Account was in a deficit. I did not understand this and contacted the mortgage company. The Representative did explain that my Homeowner 's Insurance had increased by {$300.00} but that my Real Estate Taxes were reduced by {$200.00}, but, she tried to explain that these were not the reason why the account was in a deficit. She did, however, assist me in stretching this payment over a 24 month period, reducing the additional monthly amount to {$63.00} and she did email me a breakdown of my Escrow Account Activity. Upon my review of this activity, I was still not able to determine how the account went into a deficit nor how would the mortgage company allow this to come to pass. I ca n't say for sure that its true but it appears that they are trying to have me lose my home, that I have worked so hard to keep for over 10 years.
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

I received a collection notice from Diversified Consultants, Inc.  (   XXXX  ),  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , acting on behalf of  XXXX  to collect {$230.00} which I do not owe. I attempted to have  XXXX  correct the problem since    2016  but they simply ignored my numerous complaints. I subsequently sought the assistance of the Office of the New York State Attorney General ( Reference File #  XXXX  ) to resolve the problem, but unsuccessfully. The final response by the Attorney General Office is as follows : " We have received a response to your complaint. Despite our efforts, the company has refused to make any refund or other adjustment. ''  XXXX  provided false information to the New York State Attorney General Office.     The problem stems from the fact that  XXXX  surreptitiously added various fictitious billing amounts into both my  XXXX   XXXX  account and my  XXXX   XXXX  account, each in the sum of {$240.00}. and  XXXX  purposely co-mingled billing charges and payments between those  XXXX  accounts.     Because of the frustration which I encountered in trying to have  XXXX  make appropriate corrections, I cancelled my  XXXX  connection service on  XXXX   XXXX ,    2016  ( Cancellation Order No. : NY  XXXX  ).
Consumer complaint received 2023-09-11
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. (SC)

In accordance with the Fair Credit Reporting Act this account ( XXXX ) Has violated my Federally Protected Consumer rights to privacy code ( 15usc 1681 ) .They aren't in compliance with metro 2 credit reporting.
Consumer complaint received 2021-06-21
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: Global Credit Solutions LLC (FL)

i went to a dealership with a existing bank loan, and they told me there was no need to run my credit. They still ran my credit multiple times and never told me about until i get a letter in the mail from a bank ive never heard of. i should only have one inquiry on my credit reports and thats the loan i i took out. which like i said before, i had ready before i even went to the dealership
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation (SC)

According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution has furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..
Consumer complaint received 2023-11-16
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 XX/XX/2023, and XX/XX/2023, I sent letters to Equifax, XXXX, and XXXX disputing inaccurate items being reported on my consumer credit report ; however, they have failed to respond in a timely manner and were unable to provide me with a copy of verifiable proof regarding their investigation and the validity of the accounts being disputed.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax, XXXX, and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account.
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

1st of June I was in the market for an apartment in XXXX MA A person with the name XXXX XXXX, offered say that was the realtor for a property. We signed contract, send him security deposit and first month rent. 
Total {$3800.00}. 

When we got to the apartment, no one was there to meet us. The documents and the photos he used were faked. 

We filled complains with the banks and the police.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 my checking account was charged several time from the companies XXXX XXXX in XXXXXXXX XXXX and XXXX XXXX XXXX XXXXcommerce in Texas. The amounts charged to my account totaled {$1700.00}. I contacted my bank ( Chase Morgan Bank ) on XX/XX/2023 to report a fraudulent claim. It was investigated and denied. The reason for it being denied was originally determined confidential and I could not be told over the phone. I called again and asked for the reason to see if another person might explain it to me. They stated that they had sent out fraud alerts to both my email and via text message regarding the amounts charged to my card from these companies, and that I had authorized them. This is untrue, I have no emails or text messages from chase regarding these charges, nor did I authorize them. I explained that this was incorrect and the investigation needed to be redone. They stated the only way they could reopen the investigation was if I sent in further proof. I wrote them a letter and sent all texts and emails I have received from Chase Bank, none of which alerted me to these fraudulent charges. I have yet receive any more information on my investigation or receive any money back from the bank.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

When we moved to Texas, 6 months ago, I had a credit score of XXXX. Shortly after arriving in Texas, my credit score dropped 145 points and I have no idea why. I tried to contact each of the credit bureaus but was told that they could not identify who I was. I tried several times and was always told that I was not who I was saying I was. Last week, I receive a notice from XXXX XXXX that a new account had been opened in my name and social security number but dont have a clue who or why because I cant get a credit report. Because of these credit agencies I can not qualify for anything. I dont know what my credit score is or who has access to my credit because I am constantly denied access to my credit report. 

I just tried, once again to get my credit report from XXXX, and the automated computer took my social security number, my date of birth, the numeric only portion of my address, then without any further information ( STREET, CITY OR STATE ) explained that my credit report would be sent out in 4 to 5 working days. 
SENT OUT TO WHERE? TO WHOM are they sending my social security number and birth date now? 

SOMETHING TERRIBLE IS WRONG WITH MY CREDIT REPORT. SOMEONE, PROBABLY LOTS OF PEOPLE, HAVE ACCESS TO MY INFORMATION AND ARE KILLING MY CREDIT AND I CANT GET A REPORT FROM ANY OF THE CREDIT REPORTING AGENCIES to do anything about it. 

I cant talk to any of them. I cant get any reports. I cant look at my credit report on-line. I have no idea what to do. When I saw my credit score drop 145 points, I tried desperately to contact these people for 8 weeks, but all I got was them telling me that I was not who they though I was. I gave up out of frustration. 

I just received notice from XXXX XXXX, that someone has just opened an account, in my name, for something I have no knowledge about and there does not seem to be anything I can do about it because I cant get a credit report.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

My XXXX, XXXX XXXX XXXX, and I recently ( XX/XX/23 ) opened a HELOC with XXXX XXXX XXXX XXXX ( Which has then since been acquired by XXXX XXXX XXXX ). The Bank never sent us ( either via mail or e-mail ) any statement pertaining to any outstanding balance. 

I later found out that we were XXXX  days late on payment from the Credit Bureaus. We immediately contacted the bank ( now XXXX ). They informed us that these statements had been deposited to our online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by XXXX  and they were still transitioning to a new " unfamiliar '' user interface. 

Suffice to say that I paid the outstanding balance the same day and put the future payments to " auto-debit ''. I have thus far contacted the Bank and even my relationship XXXX, XXXX XXXX XXXX, but to no avail. We have never ever been late or defaulted on any Bank obligation thus far and I find this instance and lack their response to our concerns rather malicious.
Consumer complaint received 2023-11-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

I was contacted by XXXX XXXX XXXX XXXX by written letter- with an attempt to collect a debt. the notice was date XXXX XXXX, 2023 and stated I had until XXXX XXXX ( or 30 days ) to respond to the notice or additional action may be taken. 
this notice gave me an end date for the 30 day period to respond HOWEVER, " CBHV '' submitted this report to the credit reporting agencies in only 15 days ( sooner than on written communication ), ROBBING ME of the oppurtunity to address or rectify the alleged debt. 
This would be a violation of CFPBs debt collection rule, which states on your website once consumer receives the written notice as the initial communication, consumer has 30 days to dispute the debt in writing. This is considered abusive, unfair, and deceptive to XXXX me of the oppurtunity to verify this debt within the 30 day time frame allowed to do so. 
Under the XXXX Fair Debt Collection Practices Act, my legal rights to obtain verification information from a debt collector are during the XXXX period.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or COMENITYBANK/VICTORIA XXXXXXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (OH)

US Bank opened an account with ReliaCard Debit without my direct consent. This is, I was told, on request by my state ( OH ) agency to reimburse an insurance payment. I called and received no answer how they could open a bank account for me without my consent and knowledge, especially when I do not have prior or existing busuness with them, neither am willing to have one.
Consumer complaint received 2023-11-16
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bliksum, LLC (CA)

Loan Amount :  XXXX  Paid to date :  XXXX  Loan # :  XXXX   XXXX  Personal Loan taken with Loan Me Finance Lender License #  XXXX   XXXX  Paid on time until I hit a hardship. They offered me an 8- payment plan of {$390.00} to begin in  XXXX .  Paid   XXXX ,  XXXX , called to pay  XXXX  and their phones were closed for the holidays. When they returned from break, they said because it was not paid on the  XXXX  they could not honor the payment plan.     I was not going to continue to pay more on this predatory loan, and they would not come to an agreement over the {$69.00} current balance.   They began to call me, put my account in collections with an incorrect past due amount ( reported to credit bureau ) On  XXXX   XXXX , I received this letter. Remember, this is 1 month and 2 days later than the payment date ( which was a holiday )  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX     RE : L oan # :  XXXX  Dear  XXXX   XXXX , This letter is to inform you of action that LoanMe  may tak e with regard to your delinquent account.       Pursuant to California law, your income is recognized as a collectible asset and is attachable through garnishment. LoanMe has the right to obtain a judgment against you and attach your wages to collect the judgment. We have verified your employment.       Your immediate attention to this matter is necessary. You must contact our office within  five d ays of this letter to discuss acceptable arrangements.       Sincerely,  XXXX   XXXX   XXXX  LoanMe , Inc .    XXXX  This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record  may  be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.       As y ou may k now, in California you must have a court order to garnish wages, I did not appreciate this scare mongering. If I was uneducated, I might have been very concerned. Especially since the balance owed is only {$69.00}. No one wants to have wages garnished for this amount.     They have called me 3 times per day and sometimes as late as  XXXX . They have now begun to call my work when I have specifically asked them not to, and called me  FOUR times in FOUR  MINUTES this morning. I sent them an email to cease and desist.     They continue to harrass me constantly and call my work. I literally recieve calls from them all day, every day. I was shocked when I started to receive calls from them late at night. Even at   XXXX