davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to repair the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OK)

Citibank locked my card again when adding my card to XXXX XXXX on a new XXXX XXXX received for XXXX. Their fraud protection unit wont speak to me about the card until they verify my account, but their verification process is very counterintuitive. They ask for seemingly random phone numbers to text and will not use the number associated with my account. They will not call me, they will not accept any of my personal information, they will not send me an email to the address that has been on file for XXXX years ; instead they are mailing me a letter via snail mail and my card is locked until I give them that code. I am halfway across the country depending on my Citibank credit card to travel and am now stranded. 
Meanwhile the 3 times I was the victim of actual fraud I was the one who caught it and notified them. 
This is ridiculous.
Consumer complaint received 2024-01-24
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: JPMORGAN CHASE & CO. (TX)

CFPB, I ( R have disputed the existence of a charge with Chase on my credit card for account ending in XXXX while I was in XXXX a foreign country. The charge was from a merchant called XXXX XXXX. I only know it is vaguely associated with the hotel XXXX XXXX that I was staying with and primarily deals with gift shop items. 
I do not believe the charge is for real items ( or anything ) that I benefited from in the transaction. My card in XXXX was lost ( I now believe stolen ) ; however I did not notice at first ( I got home XX/XX/XXXX and noticed it was gone shortly after ) as I used my business card for 100 % of my expenses and didnt think about it. {$300.00} USD is an incredible amount of money to spend at a gift shop in XXXX and physically impossible for me to have spent that much and brought any of it home. I did not notice the charge until I got home nor that my JP Morgan chase card was missing. 
I contacted Chase to cancel my card and get this charge un-done on XXXX Chase called me on XXXX  from number XXXX to get more information on this, left a voicemail for me to get back with them, and then immediately sent me this letter putting the fraudulent charge back on my credit card, closing the matter. 
Ive been a loyal customer with JP Morgan Chase for more than a decade plus and have usually been happy with their customer service. However, the way they called me to discuss the issue, mis-represented the resolution process, and immediately closed this case. I humbly appeal to them and the CFPB to undo this damage. 

Thank you
Consumer complaint received 2024-04-02
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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-06-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX with XXXX miles for {$5900.00} went through Credit Acceptance to {$12000.00}, transmission was slipping, constantly complained, after the loss of a patient I was transporting, I VOLUNTARILY SURRENDERED the vehicle on XX/XX/XXXX. I called Credit Acceptance and cancelled the contract, I thought was cancelled, having to go to court for {$2000.00} deposit which the dealer is refusing. Credit Acceptance claims they couldn't contact dealer for months, then to find out they wouldn't repo the vehicle on XX/XX/XXXX, because it wasn't worth it. My credit score as well as my son 's has dropped horribly. I need this loan voided and our credit restored. The dealer, XXXX said I could return the vehicle but my credit would definitely be affected and I could forget about getting my deposit. I contacted him weekly to see when the vehicle could come in for a check and he kept stalling. XXXX XXXX XXXX, XXXX, NJ
Consumer complaint received 2015-08-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We are being foreclosed on illegally by Nationstar Mortgage because none of our ( 12 ) payments were credited properly to our account by them ( even though the account number is correct on all our reciepts XXXX. We have submitted all the receipts several times by XXXX, fax and have all the delivery dates confirmed, and they have been stringing us along, taking their time 'researching ' the issue but with no result. Meanwhile, they have scheduled to auction our property on XXXX XXXX. 2015. This has cause us immeasurable XXXX, and to top it all off, has ruined our pristine credit score.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (CA)

In XX/XX/2018, I spoke to XXXX XXXX ( PNC bank rep ) and regarding the service fee charged to my account. XXXX was able to reversed the service fee charges and informed me that the account needs to have XXXX $ minimum balance to avoid being charge again. Hence I made a deposit on the same day ( XX/XX/XXXX ) which gives me a balance of XXXX . But 3 weeks later I get the bank statement with the service fee charge again. Talked to several PNC rep ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) but they are just a waste of time to deal with. I made an typo error in the address change and they informed me that it takes 3 business day to update the address change and can not do any thing until it is updated in their system : Ex 123 AbcAve => should be 123 Abc Ave. In this day of business and technology where information is updated in split seconds, it should not take 3 business days to update the correct address, especially when there is email and text message to verify electronically. I realized PNC bank does not have a good business practice and need to file a complaint. But PNC does not have formal form or procedure to file a complaint, hence no documentation or transparency of complaint is maintained. This is a " Pretty Nasty Company '' ( PNC ) business practice.
Consumer complaint received 2024-01-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (PA)

This collections is still being reported on all 3 credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my XXXX reports. Its tax fraud and I will be filing a complaint with the irs if this isnt removed are furnished.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

The diversified collection account was removed from my XXXX report and added back with not notice. It has not been removed and is still listed on my XXXX report. This reporting is not accurate and needs to be removed from my XXXX and XXXX reports immediately.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to repair the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 2023-12-25
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. (PA)

The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, safeguards my consumer rights to privacy and confidentiality. This has been breached by the accounts listed below, including XXXX XXXX account number XXXX. Specifically, 15 U.S.C. 1681 Section 602 A highlights my right to privacy. Additionally, Section A, Subsection 2 of 15 U.S.C. 1681 states that a consumer reporting agency can not release an account without my explicit written permission. Moreover, 15 U.S.C. 1681c ( A ) ( 5 ) prohibits consumer reporting agencies from including in a consumer report any adverse information, except for criminal convictions, that predates the report by over seven years. Lastly, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is mandated that no person should provide information about a consumer to a consumer reporting agency if they know or have reason to believe that the information is false.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX, I was alerted to a collection account on my credit report. This account has been paid. The amount of XXXX has been paid to XXXX, The original source.
Consumer complaint received 2018-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (CA)

I call Customer Support and Try to make a payment to the principal only, the customer support agent say it was not possible and the Manager she call to verify, they told is only possible to pay the principal if I pay Interest and the rest will go in the loan payment, I have used other loan companies in the past and I also have a car loan and I'm able to pay to the Principal without any problems, So basically I cant reduce my loan principal in full without being charged a fee because I already make a payment before my due date and my due date is not yet coming
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I did file a previous complaint against XXXX XXXX XXXX case # XXXX, on XXXX XXXX but there is no answer to that complaint yet, instead they did file a FRIVOLOUS FORECLOSURE at the XXXX XXXX Courthouse against my property, Case # XXXX staying I did not make payments from XXXX to present, which is not true as the bank statements enclosed show, instead XXXX is returning my paymets see proof XXXX supporting foreclosure documentation doesnt support the claim as is just the initial loan paperwork and loan modification of XXXX annexed to my previous complaint. XXXX foreclosure stays I owe them {$25000.00}, but there are no pending payments and I always pay on time so when I called Bayview Loan Servicing with the help of Credit org ( call ID # XXXX ) I could finally talk to them and ask about the claimed amount of {$25000.00} but no explanation was given and they hang up on me. After that XXXX XXXX from Bayview Loan Servicing called me today to say the foreclosure is because of my lack of payment from XXXX this year to present ; which is not true as it can seen the Bank statements. I never missed a payment. XXXX XXXX said he wanted to see the proof of payment so here enclosed are the Bank statements showing the payments. XXXX XXXX neither explained in what was based the claim of {$25000.00}. Making a frivolous foreclosure claim with no legal ground is a serious issue, a total abuse, and an attempt to damage my interests and my health.
Consumer complaint received 2024-01-24
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Unfortunately, a death in my family has caused significant financial hardship, and I have been unable to keep up with my mortgage payments. However, I have been in contact with the bank, and they have agreed to remove the late dates and negative status of this account from my credit report as a goodwill gesture. Please the attachment for the details.
Consumer complaint received 2024-01-24
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (IN)

On XX/XX/XXXX I purchased a refrigerator from Home Depot, and because they offered an 18 months no interest on the store credit card, I signed up to open an account. The initial credit line was for {$3000.00}. I made my calculations how much I have to pay monthly to make sure the balance for my purchase was paid off by the end on the 18 months interest free period, and that amount was just under $ XXXX ( receipts and statements can be found on company 's files and will also be attached here ). XXXX, XX/XX/XXXX when I review my bill, I saw the fine print that said that the interest free period ended in XXXX, XXXX. I immediately called Home Depot credit card XXXX and asked them about the promotion they had in summer of XXXX, and I told them that when I opened the account, I agreed to the 18 months interest free promotion, and the bill shows I only received a 6 months interest free, and now I was charged a 26.99 % interest rate. The representative offered to adjust the interest rate right away, and after she did I asked her how often does that error happen? She said that the computer system does that sometimes, but they are quick to adjust the rates when customers inquire. My concern is, that many consumers are not aware of the error occurring, and are overcharged without their consent. I feel lucky that I took the time to read my bill in detail today and I found the error early on. An other concern I have is that Home Depot was aware of their faulty computer system and did not correct the issue that causes a lot of their consumers to be overcharged. I request an investigation on this issue.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (TX)

I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I negotiated a loan modification for my home loan in XX/XX/XXXX. Nationstar is the servicing lender. I have made full payments under the modification agreement from the beginning. Nationstar has at times refused my payments, charged unauthorized fees without explanation, damaged my payment history and placed me in a position of possible default. They have insisted on phone consultations regarding these matters. Beginning with the XX/XX/XXXX payment I began to make my payments only with certified funds delivered to them by certified mail to establish a legal record of my communication with them. In prior phone consultations their representatives made statements that were not true and Nationstar followed up with charges, fees, misapplication of payments and other actions not authorized under the modification agreement. Available by request are 1 ) the modification agreement ; 2 ) XX/XX/XXXX cover letter with payment ; and 3 ) XX/XX/XXXX letter with payment. I request any assistance with this matter that you can offer.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Palm Beach Credit Adjustors, Inc (FL)

In accordance with the Fair Credit Report Act Convergent, XXXX, Creditor : 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. 

Based knowledge, I don't owe this debt collector.
Consumer complaint received 2024-01-24
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)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Ive been part of the Equifax data breech. Ive been trying to fix this situation since XXXX of 2022. I have contact Equifax about this situation. I sign into there website to find out if I have been impacted I put my info in and I have been. I reached out to Equifax and they claim I have not been. I have the proof.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX  Bankruptcy Account # XXXX, has violated my rights. 
I have already disputed these items but the bureaus did not remove them nor prove validation. 
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 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

The account XXXX XXXX XXXX is reporting three late payments of XXXX  days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an XXXX XXXX. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. XXXX XXXX XXXX XXXX is reporting should be removed. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX