davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX 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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2023-10-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: MEI AUTO FINANCE INC (TX)

Regarding Complaint # XXXX Company has failed to refund down payment XXXX {$2000.00} as stated and promised on XX/XX/2023 through the complaint request form on CFPB website.
Consumer complaint received 2024-05-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC. (MA)

My car was repossessed on XXXX by Ally Bank. After my car payment was fully paid, I made an appointment to pick it up on XXXX at XXXX XXXX  yard. When I went to pick up my vehicle on XXXX there was extensive exterior, interior, and motor damage to vehicle. My vehicle had zero damage when leaving my home .That same day I called between XXXX XXXX XXXX and filed the complaint. Two days later, we left for our wedding, having no contact with the bank for XXXX XXXX XXXX When I reached out to them on XXXX the bank explained the case was in the system but was never filed, so the claim was re-filed that day. I have been constantly calling the bank attempting to get answers with no verbal response from anyone. The initial investigating company explained Video footage from my home security camera, and footage from the initial towing company and initial holding yard show no damage done to vehicle, which entails that the damage was done by the second towing company or the auction yard itself. The tow truck driver who transported my car from the yard in XXXX, NH to XXXX in XXXX called me to explain that the keys were locked in the vehicle and he called for roadside assistance to open up the vehicle ( which caused damage ). I had the spare key at my house and either could've driven it down or had XXXX reset the car so they could get in. Then when the tow truck driver gained access to the inside of the vehicle, the key automatically deleted, so the car would not start. The driver explained to me that he was unable to take the car off of the truck and was going to have to wait until tomorrow. Then the driver called me back and explained he got the vehicle off of the truck and it is all set. The auction yard explained the car had not moved from the spot that it was dropped off, explaining they could not have caused the damage. My car currently has {$13000.00} in damage, interior, exterior, and motor damage. I have now relayed this to the bank multiple times and they have been very careless with the information, asking to resend the information and pictures. The bank currently is not contacting me appropriately. I have not received a rental vehicle, 2 months and 18 days after the initial claim was filed. I have requested for the worker handling my claim to contact me via phone, as well as requested a manager to contact me 6 weeks ago, and I still have yet to receive any sort of phone contact.
Consumer complaint received 2024-05-21
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, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts from all 3 credit bureaus, report on XX/XX/2024, below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willingly conspired to deprive me of human rights under color of law title 18 usc 241/242, while committing securities fraud. 

Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACT : 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. FACT : 15 USC 1681 c. ( 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 crime which antedates the report by more than seven years FACT : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( See Attachments ) DEBT SUMMARY Credit card and credit line debt : XXXX : {$0.00} Equifax : {$0.00} XXXX : {$0.00} Loan Debt : XXXX : {$180000.00} Equifax : {$36000.00} XXXX : {$180000.00} Collections Debt : XXXX : {$730.00} Equifax : {$730.00} XXXX : {$730.00} XXXX XXXX XXXX : {$180000.00} Equifax : {$36.00}, XXXX XXXX : {$180000.00} Open Accounts XXXX : XXXX Equifax : XXXX XXXX XXXX Accounts never late : XXXX : XXXX Equifax : XXXX XXXX : XXXX Closed Accounts : XXXX : XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX : XXXX XXXX Account Age XXXX : XXXX yrs 11 months Equifax : XXXX yrs 10 months XXXX : XXXX yrs 9 months Oldest Account XXXX : XXXX yrs 7 months Equifax : XXXX yrs 7 months XXXX : XXXX yrs 11 months FACT : ( XXXX ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly : ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2024-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I attended the XXXX XXXX XXXXXXXX from XXXX and XXXX. I have 2 private loans in the amounts of {$4300.00} and {$5000.00}. I've been paying them since XX/XX/XXXX. I now owe {$13000.00} ( they are in forbearance ) On XX/XX/XXXX, I had my federal loans discharged due to my borrower defense application being approved. I asked for the same to be done to my private loans. 

On XX/XX/XXXX, I received an email from the customer advocate for Navient stating that " My private loans meet the criteria for me receiving a school misconduct discharge loan application ''. Once submitted it would take up too 60 days to receive an response. 

On XX/XX/XXXX, I received the application. I filled out the application and submitted it on XX/XX/XXXX ( XXXX ). 

After 30 days ( XX/XX/XXXX ) I sent an email asking " What my status was on the school misconduct discharge application? ". I received an email ( XX/XX/XXXX ) from the customer advocate stating that " We are in the process of reviewing your application and we have 60 days ''. 

I than received the " Denial notice '' on XX/XX/XXXX stating " That I didn't meet the requirements of a discharge ''. I immediately sent an email and a follow up email ( XX/XX/XXXX ) asking why my application was denied ( requirements ) and it they could send me any information so I could ask for a reconsideration on the decision. I haven't received an email from them responding to my requests. ( XX/XX/XXXX )
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MD)

We are disputing the charge of interest on the card on XX/XX/year> for {$91.00} and would like a resolution as to why this charge was made when we paid the full balance due on the card prior to the due date of XX/XX/year> per the credit card member agreement stating : How To Avoid Paying Interest On Purchases if you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month. 

We have other credit cards and sometimes we pay off the balance and sometimes we carryover a balance and pay interest on the carryover balance. But when we pay the prior month statement balance in full, there has never been an interest charge for that month. This is the first time I have seen interest charged when the balance was paid in full. We were told on the phone that because we carried over a balance the PRIOR month, this is RESIDUAL interest. We paid interest on the balance over the years monthly, so there should not be additional interest. Nowhere in our agreement have I heard of the term residual interest. That usually applies to mortgage or term loans where you pay interest until the date the bill is paid, not credit cards. 

As a background, we refinanced our home and paid off all our credit cards and no other credit card company charged us residual interest. In all our years, we have never been charged as such. My wife, as a CPA deals with clients daily and has never seen such a charge. We would like to request abatement of this residual interest as it is not clearly stated in the credit card agreement and it deviates from all industry standards. I have proof for my wifes card with Chase as well that they have never charged this type of interest.
Consumer complaint received 2024-06-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I called to ask why my card keeps getting declined keep in mind theres still {$140.00} left on the debit gift card. When I called they said that my account was restricted and for me to be able yo start using it again it I would have to send them my social security and drivers license via fax. It felt like a scam so I refused to send them any information especially on a gift card that should be able to work anywhere you go. That was giving to me as a gift. I talked to a supervisor but this time she said I only need to send my drivers license via fax not my social security. This is a SCAM! I refused to send any personal information and told them I would be filing a complaint.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: M&T BANK CORPORATION (GA)

So according to XXXX Mortgage contract the company stated it funded the loan that paid for the mortgage.. But under the Uniform Commercial Code { UCC } TITLE 31 USC { D } { 2 } 31 U S C A 463 and Public Law 97-258 { September 13 1982 } IN ACCORDANCE WITH #! USC 5103 and USC 8 such Promissory Note Instruments are NATIONAL BANK CURRENCY and thereby coin or currency of the UNITED STATES by RULE of LAW U S SUPREME COURT and PRIVATE BAR ASSOCIATION STATUTORY BY LAW Defintion.. The Little Promissory Note is THE EQUIVALLENT OF MONEY as per 12 USC 1813 { L } and must be accepted by all banks and financial institutions as PAYOFF SET OFF DISCHARGE AND DEPOSITS.. Which means that if the promissory note funded the LOAN then Fairway Mortgage committed FRAUD as they stated the loan was funded by them .. Also according to TITLE 12 USC 83 A banks can not lend their money and job is to BORROW money.. The law clearly states FEDERAL RESERVE NOTES AND CIRCULATING NOTES OF FEDERAL RESERVE BANKS AND NATIONAL BANKS { ARE LEGAL TENDER FOR ALL DEBTS PUBLIC CHARGES TAXES AND DUES... THIS EXPLAINS WHY THE COMPANY SENT OVER A PHOTO SHOPPED BANK STATEMENT BECAUSE THE LOAN WAS FUNDED BY THE PROMISSORY NOTE AND NOT FAIRWAY MORTGAGE .. Now under TITLE 15 USC 1692 J { IT IS UNLAWFUL TO DESIGN, COMPILE, AND FURNISH ANY FORM KNOWING THAT SUCH FORM WOULD BE USED TO CREATE THE FALSE BELIEF IN A CONSUMER THAT A PERSION OTHER THAN THE CREDITOR OF SUCH CONSUMER IS PARTICIPATING IN THE COLLECTION OF OR IN AN ATTEMPT TO COLLECT TO COLLECT A DEBT CONSUMER ALLEGEDLY OWES SUCH CREDITOR WHEN IN FACT SUCH PERSON IS NOT SO PARTICIPATING.. THIS IS MORTGAGE FRAUD NOW SINCE MY LOAN IS UNDER # YEARS OLD I HAVE THE RIGHTS TO RESCIND MY LOAN DUE TO FRAUD..
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

IT APPEARS THAT THIS ITEM XXXX HAS TURNED INTO A CHARGE OFF... 
XXXX XXXX XXXX BUT I NOTICE YOU NEVER SENT ME A 1099C FOR CANCELLATION OF DEBT OF THIS ITEM, DUE TO MY FINANCIAL HARDSHIP. 

If the file isnt removed you will be sued for {$1000.00} per item.15 USC 1681n ( Civil Liability )
Consumer complaint received 2024-04-17
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. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: STANDARD MORTGAGE CORPORATION (AR)

I e-mailed Standard Mortgage Company to ask how I could get the PMI removed from my account because my loan is now less than 77 % of the value of the home when I purchased it. ( It was my understanding that, according to the Homeowner Protection Act, PMI was supposed to be automatically removed when I hit the 80 % threshold. ) I have never missed a payment or had a late payment. My credit score is exceptional. I would imagine that my risk level as a customer is very, very low. I also asked in the original e-mail if we could leave my payment the same and just apply the money that used to go to PMI toward the principal. I never received an answer to the second question. 

On Thursday, XX/XX/XXXX, XXXX XXXX XXXX responded that XXXX XXXX says they can not remove the PMI because they need a more recent appraisal of my house to ensure the value has not decreased. I would have to pay {$190.00} out of pocket for this appraisal. I provided them with the county assessor 's appraisal value from 2022 ( {$160000.00} - the original value of the loan was {$140000.00}, the original appraisal was {$140000.00}, and we owe about {$110000.00} ) and also stated that home prices in America have increased significantly over the past few years and that it would be virtually impossible for the value of my home to have gone down. XXXX responded that the county 's valuation would not be acceptable and that since there had been a tornado in my area over a year ago, my property might have been damaged and thus devalued. I explained to him that the tornado was not in my neighborhood and we received no damage, and that there are several recently sold properties in my neighborhood that could serve as " comps '' to prove that. 

I have always heard how difficult it is to get PMI removed from your account, but I also thought that the Homeowner Protection Act offered some sort of relief from this. It appears that my mortgage company has figured out a way to continue to make it difficult to remove PMI from your loan, even when you have met all the requirements. They would like to squeeze one last {$190.00} our of you since they won't be getting monthly payments any longer.
Consumer complaint received 2023-04-24
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. (MO)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-17
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. (SC)

I ATTENDED A XXXX NC NIGHTCLUB WHERE MY WALLET WAS STOLEN. I MADE A POLICE REPORT WITH THE ON DUTY POLICE OFFICER AND WAS TOLD TO MONITOR MY PERSONAL INFORMATION MOVING FORWARD. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH.. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 AND XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (AL)

This company is stealing and selling my information please help me get my information correct please. Ive called them numerous of times and they refuse to help me out they saying Im In debt {$5000.00} when I paid off my loan this is unacceptable I can even get a loan from a bank.
Consumer complaint received 2024-07-19
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: DISCOVER BANK (VA)

The unfavorable rating on my account is a source of grave concern. I'm deeply troubled by its potential ramifications on my creditworthiness. This negative mark has already led to the rejection of a recent loan application and elevated interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional burden this adverse rating has inflicted and will continue to impose until resolved.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NY)

There are multiple accounts and inquiries on my credit report that I didnt apply for or even approve one of them at all so when I noticed them I reached out the the company on file some of them reached back out to me but when I told them that I never applied for any or these that listed on my credit reports nothing was ever done so now Im seeing if you guys can do something about this for me because this is absolutely ridiculous that its so difficult to get inquiries and unapproved accounts off my report. I been working really hard to get my credit score back to the way it was I only have two accounts that is right on my report and them are the only one that I approve which is my XXXX  account and my XXXX XXXX XXXX XXXX card everything else wasnt me and is not approved by me.