davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-10-22
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. (FL)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

i received 5 letters in the mail that my checking and business accounts are being closed and i have till XX/XX/XXXX to remove funds. i did nothing wrong and have been with the bank for years, and never had an issue. some accounts XXXX XXXX XXXX or more.
Consumer complaint received 2024-10-22
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. (FL)

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 Account Number : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2024-01-24
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRIAD FINANCIAL SERVICES, INC. (NY)

We purchased our manufactured home in XX/XX/XXXX through Triad Financial Services. We have had nothing but problems with them and they are impossible to work with. It is not possible to speak with a human agent at their company because everything is automated and they never call back. They dont care about their customers because there are dozens of complaints filed against them stating the same exact problems that we are having. We are now being pushed into foreclosure because of their unethical business practices and need Triad to be held accountable. Our family has gone through demonstrable and documented hardship due to loss of hours and Covid related income loss and have attempted to resolve delinquent payments with them. Despite dozens of attempts we have not been able to get an agent on the phone to discuss our situation, instead it is always leave a voice mail and we will call you back but it never happens. Our family has the ability to pay our mortgage loan but at this time Triad has blocked us from making any type of regular payment and instead have referred our account to a law firm to start foreclosure proceedings. As a licensed loan provider and mortgage servicer there are protocols and guidelines that they should be following when dealing with struggling homeowners. Their repeated refusal to engage ( evidenced by dozens of complaints from other borrowers ) tells me that they simply dont care at all about their borrowers. 

About eight months after buying our home in XX/XX/XXXX my wifes XXXX cut her hours and combined with inflation we were struggling with our bills but got bailed out by a tax refund. In XX/XX/XXXX my wife had her hours cut again and also major unexpected expenses related to our car and missed the payment. We believed we could get caught up and make a double payment like we did in the past but when XXXX came we were still struggling. At that time we began calling Triad to discuss options to help us resolve the delinquent payments. Despite dozens of attempts at all different times of the day, we were never able to actually get an agent on the phone to discuss our situation. 

Our hardship was resolved in XX/XX/XXXX as my wifes hours as a XXXX XXXX  were restored and we were able to get rid of one of our vehicles and cut out the car payments. We tried to resume making our mortgage payment but the automated system would not accept anything from us and we could not speak with an agent or any employee at Triad to see what options may be available. We are now being contacted by a law firm that is stating we are going into foreclosure and demanding that we pay off the full mortgage amount of {$65000.00} even though the delinquent amount owed is about {$3800.00}. 
This is an avoidable foreclosure and we believe that Triad should be looking at options to resolve the delinquent payments other than full reinstatement.
Consumer complaint received 2024-04-24
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. (TX)

I'm experiencing distress, dissatisfaction, and XXXX  concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-12-22
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-24
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)

I am writing to formally request the removal of the charge-off reported on my credit file associated with account number : XXXX and account number : XXXX. This request is directed toward the charge-off recorded on XX/XX/XXXX and XX/XX/XXXX, as listed in my credit report. After reviewing my financial records and the circumstances that led to the reported status, I believe that the charge-off was reported in error due. To support my claim, I have included relevant screenshot. I kindly ask that you review my case and consider the removal of this charge-off from my credit records. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. 

Account number : XXXX XXXX charged off XX/XX/XXXX Account number : XXXX XXXX charged off XX/XX/XXXX
Consumer complaint received 2024-10-22
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. (FL)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-22
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)

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. AUTO LOAN opened at XXXX  XXXX XXXX XXXX on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX, I opened an American Express " Blue Cash '' credit card ending in account number XXXX with American Express ( AMEX ). I was told at that time, than I would receive rebates totaling 3 % for supermarket and gas purchases, and 1 % on everything else. Every time I received updated cards due to the old ones expiring, I would carefully check the documentation I received as well as with the phone operators at American Express, to confirm whether any changes had been made to the terms of my account including the rebate amounts. While certain changes were made and communicated to me over the years ( e.g., loss of concierge service and rental car protections ), I was consistently told each year that my rebate rates had not changed. 

Last month, I received new " Blue Cash '' cards from American Express and called the company to confirm that nothing had changed. For the first time, through an off-hand comment by an operator, I was told that my Blue Cash account was receiving 1 % for supermarket and gas purchases, and .05 % for every other purchase. I asked why the rates had dropped so far so fast, and was told by XXXX operators that they had been this way for years and that only holders of the new, previously unknown ( to me ) card called a " Blue Cash Everyday '' card would receive the rate I had been told I was receiving prior to this conversation. I was understandably upset by these long standing misrepresentations, and told the operator I wanted AMEX to make this right. He said there was nothing he could do but switch me to the new " Blue Cash Everyday '' card, as the new card was exactly the same in all respects as the old card, except for the small change in the name from " Blue Cash '' to " Blue Cash Everyday. '' I therefore made the switch in XXXX of XXXX. 

I sent AMEX a letter on XX/XX/XXXX, detailing my anger at their actions and asking AMEX to make this problem right. No response has been received to my letter. I am therefore turning to you to see if you could fix this unfair situation.
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United PanAm Financial Corp. (TX)

United Auto Credit sent me the title to my paid vehicle in XX/XX/2022. Thereafter, they began to call and send letters demanding a final car payment. I'd already paid my final balance in full and received the car title. They continued to call and threaten to repossess the car if I did not pay in full the {$1100.00}. They have harassed me by phone and mail for over a year and we need them to stop. Remove this false payment demand from all of my credit bureau accounts. 
My son is a XXXX XXXX XXXX XXXX & uses the car to XXXX XXXX XXXX kids. We don't need that public humiliation in front of children over an aggressive scare tactic when we have already paid and received the title of the car. They were calling and asking where is the car parked? and stating that they know where the car is to pick it up if we don't pay the final balance.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Barclays XXXX XXXX XXXX Elite Mastercard closed my account stating that I was 90 days past due. The charge that was past due was an annual fee. Prior to this charge the card had a XXXX balance for over 3 years. I had no idea this card had a balance due because I never received any statements by email or mail. The email address used for paperless billing was not mine. The only notice I received by mail was the notice stating that I was 90 days late and my card was closed. I had no knowledge of anything on this card. Fast forward a year later, Im in the process to purchase a house. When my credit report was ran, it showed I had a derogatory mark on my credit report for an account I had no knowledge about, but the account has a XXXX balance. I called Barclays to speak with someone regarding my situation, they told me to file a dispute with XXXX, XXXX and XXXX Credit Bureaus and then with those findings Barclays will change my account to reflect their findings. All disputes came back accurate and verified and they removed everything from my credit report. Barclays on the other hand, is making me jump through hoops even though it has been verified with all the credit bureaus. Barclays told me that they put my account to zero balance out of courtesy to me, again without my knowledge. Yes they took away my balance and made it XXXX, but they also put my credit reports in a negative mark. It was showing that I was 30, 60 and 90 days late. Which is a big red flag for any lender. Trying to call Barclays is horrible, customer service for this company is horrible. Requesting information from Barclays to send a letter is done by mail only. They do not expedite mailings, even when I requested to pay for it. I feel like calling them is like calling another country and they are located in XXXX, Delaware, in the United States. I will never recommend anyone to do business with Barclays. They will actually be the one credit card company I tell people to avoid!
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. ()

the email is XXXX and i have raised a few cases with google and the specialists have come back saying that they have to suspend my payment profile because i violated some terms of services? but i did not. I have tried numerous times and they refuse to fix. I deleted my old payment profile and I still can't make purchases on the google play store. my mobile number is XXXX. 
please contact me on my primary email address regarding this case but yeah google have not helped me at all to fix and its a problem. i can't buy any subscriptions on the google store what is the point of me having a google phone?
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX I was looking for a air conditioning service and the lady agreed and asked me for a deposit of {$100.00} I sent the money through cashapp. She asked for more money for the deposit and I told her I would send half the payment which was {$150.00} so I sent her {$150.00} in total. She said she never received the money, I thought it was a bit weird and asked her if she can send the money back I showed her proof that the money was sent and then she said no its wasnt when the money was taken from my account. I requested the money back on cashapp and she declined it and called my bank and they did a dispute but werent able to get the money back and they told me to file a claim through this website.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I received the email regarding my Citi bank Checking account closure on XXXX In the letter said that my account will be closed next 60 days, and all funds belong me will be sent by check to my mailing address. I have funds on my account about {$16000.00}. After 60 days, I contacted couple times with number that provided on the letter to Citi Bank Froud department. They didn't provide any information. Only thing they said is, that they will contact to backoffice team and find out what is going on. They have never explain the reason of closure and they haven't sent my funds. At the date of writing this letter we already passed 5 months, and I still haven't received my funds.