davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (TX)

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 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 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (IL)

Hello, When l logged into my chase app l saw an offer that stated a new program " XXXX XXXX XXXX '' and that the first transaction was free. 

I walked thru the prompts for the bellow transaction. When l submitted, there was a fee. So first transaction is free was untrue. 
I called chase right after l signed up for the plan and they stated you can't cancel, but if l pay my statement balance, l shouldn't incurr any fees. I did just that and l checked my statement, and l incurred my first fee of XXXX and the plan is still showing up in full with the entire XXXX months outstanding. 

Basically, they always get you for the initial fee, even if you pay it off early. 

And they refuse to credit your account for this fee. If l had not clicked their false advertisement of fisrt transaction is free and paid my statement in full for this transaction, like l always do, l would not have paid XXXX on this transaction. I feel this to be a junk fee that the bank is getting creative on and it's false and misleading. 
I paid my statement in full in XX/XX/XXXX, and it won't come off of my statement until the next statement. 

I have better cards that pay XXXX % cash back, and l will use those. 

Description XXXX Status XXXX Remaining principal {$XXXX} Remaining payments XXXX Plan start date XX/XX/2024 Original principal {$XXXX} Total payments XXXX Monthly fee {$XXXX Monthly plan payment {$XXXXXXXX} This includes the monthly fee. 

" Once a XXXX Chase XXXX appears on your statement, you can pay it off early without any penalties by paying your full statement balance. If you want to pay it off before then, you can pay your current balance. If you pay off a plan early, you wont incur any future fees for that plan. ''
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (LA)

Around the summer 2023 an agreement was reached between myself and the company in question. The account was then satisfied according to the agreement so I thought. XXXX days after reviewing my credit report the account in question was listed in a derogatory manner. Further investigation revealed company charged off the debt to the IRS
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX is attempting to collect a {$710.00} debt that is not mine. I have tried contacting them at the end of last year about this and it still has not been removed from my credit report. I've included proof from my identity XXXX latest credit consumer report that includes every single Capital One card on my Consumer Report there are four of them. There is not one Capital One on my Consumer Report that is remotely near or resembles the debt of {$710.00} and the time frame that they said it was opened on my Consumer Report. I have four Capital One listings on my Consumer Report two are open and in good standing, and two are closed one with a past due amount of {$110.00} and the other with a past due amount of {$430.00} that was just closed 2024. The other two Capital One accounts are still open so it couldn't be the one that they are claiming has been sent to collections it would have to be one of the other two and if you can see by the examples that I have sent it is neither of those those, there is no other Capital One charge off or listing that coincides with this debt collector 's false charge.
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

This complaint has to do with Flagstar Bank. My checking account was compromised and return checks on my mortgage had occurred. So I was only required to pay with cashier 's check, by mail. When I sent in my cashier 's check of {$750.00} to Flagstar Bank they lost my cashier 's check and I missed my mortgage payment. They reported me to the credit bureaus for missing a payment. Since the cashier 's check was not cashed, I sent a new one and finally the payment posted. 

I've had so many problems with this bank. They also have to ask you ( 5 ) - ( 6 ) questions every time a person calls in, and then many of the employees are not educated enough to appropriate answer the question or route the call to the correct department.
Consumer complaint received 2024-01-06
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: EQUIFAX, INC. (NY)

I have been trying from last year to get equifax fix this problem there is inquiry that is on my account that I do not know and never ask or do on my side they still have not removed the. Please the inquiries am talking about is : XXXX. FRAUD REQUEST Inquiry : XXXX. XXXX, 2023 + Bankcard XXXX XXXX, XXXX- FRAUD REQUEST Inquiry : XXXX. XXXX, 2023
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Identity theft XXXX XXXX XXXX  Open XX/XX/13 Amount XXXX Was in hospital under XXXX  unknown person stole personal information and used it to apply for XXXX  XXXX credit card I did not consent to this
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted 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 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 2024-01-06
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. (LA)

XXXX XXXX XXXX is a closed account and payment history and payment status is still reporting negatively after XXXX  years. I have filed many disputes attempting to have this issue resolved however to no avail. This is affecting my credit payment history and preventing mortgage loan approval. All XXXX accounts need to be corrected with XXXX status.
Consumer complaint received 2024-05-08
Product: Mortgage — FHA mortgage
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: MIDFIRST BANK (GA)

We have had this same complaint before. Now we see that they have applied another fee billed to mortgager. We called and asked what the fee is for ( {$240.00} ) and again they said it was legal fees. However, they stated that we have to wait 30 days for them to provide us with an explanation. It appears that they are applying legal fees for no reason and expect us to pay the fees with no explanation. This does not make sense to me and my wife. 

When is this going to end? We have been paying the mortgage on time and also paying additional money towards the principle in order to get the house paid off faster. We just feel like they are trying to do any and everything in order to deter us from paying the house off faster. Please help us if you can. This new charge was applied on XXXX. 

The only reason that legal fees were applied before was because of a bankruptcy discharge & XXXX XXXX XXXX. However, those issues have been resolved.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (OH)

Synchrony bank has lowered my credit limit on 2 accounts that I have with them. They removed one account from my credit report. These adverse actions have greatly affected my credit score. While, I did receive a notice, the information on the notice is entirely incorrect. The information they say they based their decision on are erroneous. My on time payments are at 100 %. The 3 derogatory or delinquent accounts are >3 years old. Soo they have been and were there when initially approved for both cards. As Ive come to learn, this is a regular practice for this company, which has affected very many people. I would like my initial lines of credit restored to their original limits and I would like this reported to all credit bureaus. Hopefully this will mitigate some of the damage they have caused. I implore anyone to research this company. There a very many complaints regarding this companys practices and how they have affected people without any thought of the consumer.
Consumer complaint received 2024-01-15
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. (IL)

I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my account with the items in questioned. I believe my situation deserves immediate attention and resolution. 

I have encountered persistent issues regarding the removal of a late close on my account, which is included in a bankruptcy. Despite numerous attempts to rectify this matter through various channels, the issue remains unresolved, causing me significant distress and inconvenience. 

I filed for bankruptcy, and my account with XXXX XXXX was included in the bankruptcy proceedings. As a result, I expected that the late close on my account would be appropriately addressed in accordance with the legal processes outlined during bankruptcy. 

However, despite my best efforts, such as contacting customer service, submitting documentation, etc. ], the late close remains on my account, adversely affecting my financial standing and creditworthiness. 

I understand that mistakes can occur, but the persistence of this issue has prompted me to bring it to your attention formally. I kindly request that you investigate and resolve this matter promptly. I believe in fair and just practices, and I trust that Credit Bureaus will take the necessary steps to rectify this situation in a timely and efficient manner. 

If there are any specific documents or information required from my end to facilitate the resolution process, please let me know at your earliest convenience. I appreciate your attention to this matter and look forward to a swift and satisfactory resolution. I am asking for your assistance to remove these items in my credit file : XXXX XXXX XXXXXXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX Balance : {$85.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX Balance : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 

XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.
Consumer complaint received 2024-01-06
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-01-06
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. (AL)

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 XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in violation not reporting XXXX accurate ONEMAIN Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. 
List of negative accounts and personal information : Previous Address 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 2024-01-06
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)

Pursuant to 15 USC 6802 ( C ) - ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX the consumer was not given an explanation of how the consumer can exercise that nondisclosure option to opt out of disclosing information to third party non affiliates which is a violation of this law. Your credit bureau is a non affiliate third party and I am opting out of reporting of the accounts below. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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. (CA)

I am writing this complaint to report a case of identity theft involving fraudulent addresses and accounts. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. Below are the details of the fraudulent addresses and accounts : Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX  XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I request your assistance in investigating this matter and taking appropriate legal action against the individuals responsible for this identity theft. I have taken the necessary steps to secure my accounts and personal information. Please let me know if there are any additional details or documents you require from my end. I've attached a copy of my ID, Utility Bill and my Social Security Card. 

Thank you for your prompt attention to this matter. I look forward to cooperating with your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I wish I had a paper trail to back this up. I do not. 

I took out a loan for a XXXX XXXX with Credit Acceptance. The car ended up being a lemon ( the day I got it the XXXX smoked in my driveway and it has been a night mare since. 

I had enough and asked them to get the car- voluntary repossession. I was clear from the start. 
The company asked many times if I wanted to take it back I say no. The repossession is even on my credit report as Voluntary repossession. 

There was a note in my online correspondence and I spoke with a representative- they said the auction will be held XX/XX/XXXX. Again I remember hearing this and seeing this in their correspondence. 

Credit acceptance also took out the money for the repossession fee autimaticallly ( I believe I can get the payment for that- if they havent deleted that ) The letter correspondence was deleted. No where to be found. I called yesterday to get a update on the auction- ( XXXXXXXX XXXX EST on XX/XX/XXXX ) This particular representative said let me get you the info to get the car out I said no I do not want it back, it was supposed to be auctioned off They said it has not been sold, even been to an auction and XX/XX/XXXX was never a thing. 

I am paying a insane amount of interest ( bad credit, people like me get screwed over ) and I just wanted a new balance.
Consumer complaint received 2024-01-15
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. (NJ)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have been communicating with these company for the past 6 months to remove inaccurate information on my credit report. The company has not given me proof that any of the alleged items belong to me. They are harming my personal financial life.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (TX)

On XXXX I applied for a secure credit and deposit XXXX furthermore, I paid XXXX for the card to be expedited. The approval process was taking to long and I request the application to be canceled. Upon canceling my order I spoke to a bank representative and requested for my refund to be send via check. I have made several calls to this bank for refund and till today I have not received my money. On XX/XX/2020 I send a fax stating that I want refund by check as requested by the last rep I spoke to. This request was faxed to XXXX number given by rep.