davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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)

I just viewed my recent Equifax credit report and noticed that the following information is reporting inaccurate. XXXX XXXX XXXX  XXXX account # XXXX. I have no documentation stating that I owe them anything. I feel this was fraudulently added to my credit report.
Consumer complaint received 2024-05-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (CA)

I am writing to file a formal complaint against Synovus Bank and its Servicer XXXX, XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blitey Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated. 

On XX/XX/year>, I notified Synovus Bank and its Servicer XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Synovus Bank and it's Servicer XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Synovus Bank and XXXX, XXXX, complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers uke me. 

Additionally, I would appreciate regular updates on the progress of this investgation and any actions taken to address the violations committed by ( Financial Institution Name ). 

Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (IL)

I filed disputes with all XXXX credit bureaus on XX/XX/XXXX & XX/XX/XXXX XXXX to validate my debt & signature from both the collection & originating agency, as well as filed a complaint with the BBB. It has been over the 30 day response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is theft of my personal information has been leaked on the dark web. ( ( Pls. Note all agencies on pics provided have been disputed to all 3 agencies with no response well after the 30 day time frame. ) ) Thank you.
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

This company is charging an illegal amount of interest on the loan that they provided for the purchase of my dog from my family. I did not realize that they were charging 139 % interest when I started doing a little research after getting the loan I found out that it is against the law and it is usery laws. I contacted the company asked them to confirm what my interest rate was. They confirmed that it was 139 %. I advised them that that it was illegal to charge that amount and the person that I was talking to was a supervisor and said that he didnt know that it was illegal. I asked him what they were going to do about it and he didnt seem to know what to do so I put a stop payment on any payments going to them and told them I would be contacting the consumer protection bureau and the XXXX XXXX XXXX  and any kind of government agencies that could help with this to put a stop to this predatory lending.
Consumer complaint received 2024-01-13
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 Convergent XXXX XXXX XXXX account # XXXX and XXXXXXXX XXXX XXXX Account 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 a account without my written instructions
Consumer complaint received 2024-01-13
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. (DC)

I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) XXXX, violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy.

* 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I disputed XXXX transactions with chase bank for XXXX separate XXXX XXXX  unauthorized charges, my claims were denied, chase bank told me that they're not responsible for XXXX XXXX  unauthorized charges because they can't recover the funds, so chase bank held me liable for the XXXX XXXX transactions. I never had a XXXX XXXX account nor did I give anyone permission to use my card on XXXX XXXX  chase bank is in violation of regulation XXXX, Chase bank did not perform a correct investigation into this matter. 


" See Financial Institution FAQ # 4. The CFPB says that while XXXX XXXX is a financial institution, the depository financial institution ( you ) " chase '' is still considered a financial institution for the purpose of the definition since the charge debited an account at your institution. 

Also see Unauthorized EFT FAQ # 11. It specifically states you have an obligation to investigate when a non-bank XXXX provider initiates a debit to your customer 's account. '' I am requesting a monetary relief for these unauthorized charges in the amount of the total fraudulent charges, I am also requesting an additional {$1000.00} for chase being in violation of Regulation XXXX and violating my consumer rights.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NM)

I have been a Costco Member using this credit card since XXXX. 

In XXXX 2024, I filed a warranty claim with Costco for a mattress purchased from them with XXXX year warranty for {$550.00} purchased in XXXX 2017. 

Costco, sent me a replacement AND charged my card for {$620.00} Costco notified me via email that they would refund me upon pick up of the defective item. 

They have not picked it up, and they have not refunded me. 

My new phone # is XXXX.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXXXXXX XXXX Balance {$1100.00} Account info Account number XXXX Date opened Collection account. {$1100.00} past due as of XX/XX/2024. 

Contact info Name MIDLAND CREDIT MANAGEM Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (FL)

On XX/XX/year> I disputed a total of {$4400.00} in XXXX XXXX fraudulent transactions that were taken from my Credit Karma XXXX XXXX XXXX. On XX/XX/year> Credit Karma made a partial return of the fraudulent Transactions of only {$84.00} when the full amount if {$4400.00} should have been returned under regulation E. Credit KARMA HAS ALSO LOCKED MY ACCOUNT NOT ALLOWING ME TO ACCESS MY FUNDS.
Consumer complaint received 2024-01-13
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: ALLY FINANCIAL INC. (IL)

Subject : Dispute Regarding Ally Financial Account Number XXXX Dear XXXX I am writing to dispute the inclusion of Ally Financial account number XXXX on my XXXX credit report. I believe my identity has been compromised, and I want to bring to your attention the discrepancy in reporting among the credit bureaus. 

All other credit bureaus, including XXXX, have promptly removed the negative account from my credit profile upon investigation. I have evidence to support this resolution. However, XXXX has not responded within a reasonable timeframe, exceeding 30 days for their investigation. 

Given that XXXX has already taken corrective action, I urge XXXX to expedite the removal of the contested account from my credit report immediately. Your swift attention to this matter is crucial in rectifying the impact on my credit standing. 

Thank you for your prompt assistance in resolving this identity theft issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (FL)

Vanilla gift card purchased in Colorado for {$50.00} and given to me for XXXXI attempted to use it on XX/XX/XXXX at XXXXXXXX XXXX in XXXX XXXX. XXXXXXXX XXXX showed a balance of {$0.00}. 
I immediately filed a dispute. The dispute came back to me with case # XXXX. I signed their paperwork and returned it to them. I received a response showing that XXXX transaction had been done. XXXX @ XXXX XXXX  - Processed - XXXX XXXX ) XXXX - payment of {$49.00}. 
I again signed their paperwork within the last XXXX weeks. 
They, Vanilla, knows that XXXX XXXX was given my money. Either through incorrect posting or felony theft of funds from my card. 
It's totally absurd that as of today XX/XX/2024, I still have not been refunded the {$50.00} owed me.
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX, my husband and I sent an insurance escrow payment in the amount of {$6100.00}, via Certified Mail to Rushmore Servicing. 

On XX/XX/XXXX, the check was cash by Rushmore Servicing. The monies were never posted to our account. 

On XX/XX/XXXX, we were advised to email a copy of the canceled check front and back showing the check had been cashed. 

Last week, we received a letter indicating the matter was still under investigation. 

On XX/XX/XXXX, we received a letter reflecting we owe over {$10000.00}. The statement does not reflect our {$6100.00} escrow payment. Due to this issue, our mortgage payments has increased from {$2300.00} to over {$3800.00}.
Consumer complaint received 2024-01-12
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 have made numerous attempts to dispute this account, but unfortunately, I have not been successful. I have provided police and ftc reports as evidence of my identity theft, and I have also disputed the account on the grounds that the creditor has unlawfully altered the report. I kindly request that you remove this account from my credit report.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I went to do a soft pull on my credit score beginning XX/XX/XXXX cause was looking into making a home loan to rebuild my moms home and with using my personal bank that allows it without credit score being affected. Opened it up and showed XXXX as my score. Went to look at credit report and I had over 14 new open issues at top and below showing all open accts from XXXX of XXXX and a couple in XXXX. Below I have uploaded all reports that havent been authorized by me. And police repost also made which have been uploaded. It has taken me almost 3/4 months to get here now and place this report in hopes to fix my credit.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

I bank with Wells Fargo. They offer a service that allows you to send money through XXXX. On XX/XX/XXXX I was notified that an unauthorized payment of a total of XXXX was sent. Immediately called the bank and I was told that I was going to get my money back in 10 days and a new card. I didnt receive the card nor the money. I continued to call every other day to check on the money and the card. Today, XX/XX/2023 I called and was told that I could not get my money back and the case was dropped. Although they told me they was going to send out another card. I still need my money and they refuse to give it to me.
Consumer complaint received 2024-06-10
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)

I've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remakes have been detrimental to my life and credit health.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

As a consumer, I have the right to expect a thorough and timely investigation into my disputes, in accordance with the Fair Credit Reporting Act ( FCRA ). The inaccurate reporting of late accounts not only damages my creditworthiness but also raises questions about the reliability and integrity of the credit reporting process. I submitted disputes regarding inaccuracies in my credit report, particularly the reporting of late accounts. This lack of communication is both disconcerting and unacceptable. 
XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate update on the status of the investigation into my credit report disputes. It is crucial that your bureau adheres to the FCRA 's mandates to ensure fair and accurate credit reporting. I also request clarification on why the inaccurate reporting of late accounts persists despite my disputes and the legal obligations outlined in the FCRA.
Consumer complaint received 2024-05-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CT)

This complaint is not a duplicate. This is a new complaint based on continued issues with a new card. The previous complaint, XXXX was incorrectly closed in the effort to avoid adjudication of the issue. The attached files detail a gift card purchase dated after referenced previous complaint in XXXX. 

Gift card was purchased on XX/XX/24. 
Complaint XXXX was filed on XX/XX/24. 

This makes premature dismissal of complaint XXXX a poor oversight move in the effort to avoid resolving the original complaint. How would it be possible to file a complaint in the past for an purchase that occured in the future? This issue still remains, only now the issue is further delayed due to this dismissal. I suspect this was intentional. 

Incomm visa gift card was purchased and attempts to make purchases were made. Upon use of the card, transactions were block at the merchant and subsequent merchants. It has been determined that there is a systematic scheme in place to purposefully deny use of the cards. I have attempted numerous times to use the card and resolve its issues with Incomm but to no avail. Incomm tells me to use the card at another merchant despite my attempts at different merchants. If an purchase attempt was at a specific merchant, why would one try to use it at another merchant? For example, if I was looking to pay my electric bill with the gift card, why would the solution be to NOT pay the electric bill and pay different merchant? Why am I not allowed to pay my electric company? This same issue is present with the replacement cards sent to me. So instead of more replacement cards, I am respectfully requesting that funds be sent to my address.
Consumer complaint received 2024-01-10
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2024-01-10
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXXXXXX Balance Owed : {$280.00}
Consumer complaint received 2024-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (WI)

i made payment on XX/XX/XXXX and it did no get posted until XX/XX/XXXX and now and im trying to refinance the loan and can not get it done because this was posted until janruary. i recieved confirmation of payment recieved on XX/XX/XXXX it did not show up late or get dinged as late payment but because it was not posted the same day i made payment underwriting is declining the loan saying the payment was late. i have requested this get changed and need this done asap to get my loan approved.,
Consumer complaint received 2024-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery Associates According to 15 USC CODE 1681S-2 & 1692g They CAN NOT send my information to Any collections without my permission and NOR Can a collection be reported as OPEN or LATE AND, Its Against the HIPPOCRATIC OATH
Consumer complaint received 2024-01-11
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. (DC)

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 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 2024-05-16
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: FC HoldCo LLC (GA)

I received a credit report I noticed a lot of unauthorized inquiries all around The same that I have not done myself or been to these places I have not given anyone my information so someone else must have done it I ask at the time they be removed by law as inaccurate information and unauthorized use of personal information by FCRA Permissible Purpose law please look at my report & & remove these XXXX unauthorized hard inquiries on dates of XXXX & & XXXX and date of XXXX car dealerships all have used my report in some way reporting wrong information that I have not done myself if my information was in use it was not me I have made a report with the Federal trade commission about the scams and bad business being reported to my account. I asked that they all be removed and terminated it immediately.