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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX  has violated my rights # XXXX. 
15usc 1681 section 602 A States I have the right to privacy.

15usc 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15usc 166b States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (IL)

This is my 2nd XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX  ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2022-12-21
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: Resurgent Capital Services L.P. (IL)

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. 

LVNV FUNDING : # XXXX, XXXX XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Edge Home Finance Corporation (FL)

Application was made and the appraisal was ordered by the lender, we paid the {$550.00} fee only to have the appraiser come out and decline to do the appraisal!? What!? This negligence caused us to be declined by that lender and start over with another lender resulting in losing our rate lock. To add insult to injury they not only did not perform the appraisal they were hired to do, but they also only refunded us {$250.00}! Keeping {$300.00} of our money. 

The second lender also ordered an appraisal, and everything went smoothly as we expected it to go the first time!
Consumer complaint received 2023-06-21
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (NY)

I mailed 3 letters on two closed accounts with Comenity Bank. One account for XXXX  and one for Ann Taylor. Letters were dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All letters went unanswered from Community Bank and the credit reporting agency XXXX. 

Comenity Bank XXXXXXXX  is a closed account showing the last payment XX/XX/XXXX. It has been 11 years and according to FCRA accounts should not report longer than 7-10 years. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA. 

Comenity Bank /Ann Taylor is a closed account showing the last payment XX/XX/XXXX. It has been 8 years and according to FCRA accounts should not report longer than 7. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (OH)

At the beginning of XXXX, I paid Arvest Mortgage {$200.00} to set up bi-weekly mortgage payments to be automatically withdrawn from my bank account. ( Apparently they charge for this service because they claim it is a " manual process. '' ) At this time, I signed paperwork agreeing to this payment schedule and they sent a document confirming the bi-weekly payments. At the beginning of this year, Arvest suddenly, without explanation or notification, stopped withdrawing my payments. I have spent no less than 20 hours on the phone ( most of it waiting on hold for extended periods of time ) to rectify this. I have spoken with countless people who claim that they have, or will resolve it, and that my payments will be resumed. Most recently I spoke with a representative named " XXXX '' who assured me that my payments would resume on Wednesday, XXXX XXXX XXXX It is now Friday, XX/XX/XXXX, and my most recent bi-weekly payment has yet do be withdrawn, as PER THE SIGNED PAPERWORK ( AND AS PER THE {$200.00} PAYMENT I MADE TO INITIATE THIS PAYMENT SCHEDULE. ) Since the first payment they failed to withdraw on XX/XX/XXXX, I have called multiple times a week, spent hours and hours on hold, spoken with more people than I can count, including supervisors, and no one seems to have any desire to do what they need to do on their end to ensure that Arvest lives up to its obligations, as per the agreement I signed ( AND THE XXXX XXXX DOLLAR FEE I PAID TO SET UP THIS PAYMENT ARRANGEMENT. ) This is not a situation of me not paying my mortgage- this is a situation of the bank REFUSING to abide by the payment arrangement and execute the automatic withdrawls as per our agreement. I should NOT have to waste 20+ hours of my life, chasing them down, begging them to restart payments, in order to ensure that MY LIFE AND CREDIT ARE NOT RUINED BECAUSE THEY WILL NOT DO THEIR JOB ( a job I PAID THEM {$200.00} TO DO! ) Bi-weekly payment arrangement confirmation document is attached.
Consumer complaint received 2023-02-22
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (GA)

I received a letter from General Revenue Services on XX/XX/XXXX saying they refuse to investigate my dispute- I have requested debt validation for the balance of {$540.00} General Revenue Corp and I have not received any thing. I reported this previously and they claim to have mailed it in the past but I never got anything. 

They also did not upload any documents in the Consumer Financial Protection Bureau Portal. I am requesting them to provide a copy of a signed contract for the services of this amount they are collecting for. I am asking for a numerical breakdown of the services they provided that cost {$540.00}. 

They have not provided the documents within the 30 day required by law-
Consumer complaint received 2024-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (OH)

We bought our very first honda because of all of the praises everyone gives them on their reliability. There is a XXXX XXXX XXXX XXXX XXXX, which is a known issue with said XXXX. There is a recall on these parts for the very same make, model, and year because of this issue. Somehow my vin number doesnt qualify for the recall even with it being the same make, model, and year. I don't think the bad parts in my XXXX matching the bad parts in the recall is a coincidence. But honda called tofay after avoiding my calls for two days to say they " respectfully decline '' helping get it fixed because they are cheap and don't care about you once they get their money out of you. We have paid off 90 % of this car loan and we are a 1 family car, being left high and dry so honda can keep their pockets padded
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

I was absolutely ripped off by Jetblue. Plain and simple. I was promised on a flight that if I signed up for the JetBlue Barclays Mastercard, I would get XXXX points, no annual fee. I was literally given a booklet and a pamphlet advertising it all. I went and I applied and not only did I get hit with an annual fee, but I never received the XXXX points as promised. Yeah when I called them they said because I applied on XX/XX/XXXX and the promotion didn't take place until XX/XX/XXXX so I was not eligible. I find these business practices to be misleading and disgusting. You cant hand out promotions and flyers on a flight, announcing for people to apply for something but not mention it doesn't take effect until XX/XX/XXXX. Unacceptable, misleading and wrong. They were handing out flyers on these flights and announced it on the PA system, I guarantee I was not the only one misled by their shady business practices. I also don't like how they advertise introductory 0 % APR for a year, but then in small letters later on after you apply it says 0 APR only for balance transfers. That's shady too but that's the least of the problems I have with this card.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC (CA)

Complaints on the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I asked the credit bureau to do a credit verification on these creditor in which they did.I found improper inaccuracy on my credit report. Ive been trying to get in contact with this company to verify if this debt is correct or not because it is so old. 

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 2022-11-22
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: EQUIFAX, INC. (TX)

In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX A 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 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received an email ( attached ) for a pre-approval. 

The initial rep did not seem to understand me. Unfortunately, I have no other way to contact you in written form ( no access on website, or the app to contact customer service in an ADA accommodative way with the only option being phone support ). I am not sure where the divide in communication was, but I tried to convey that I unfroze my credit reports, proceeded with the pre-approval, and was declined twice due to credit freeze. After attempting to convey this XXXX times, I requested the call be escalated to a supervisor. I have attached confirmation ( s ) that both the credit files were unfrozen and at least one was checked from your own affiliate company XXXX 

I spoke with XXXX, an Account Manager who indicated that he would resubmit the application but I would need to have the credit reports pulled again, effectively leading to another hard inquiry. I explained that I would not have a problem with that if when it is pulled again, you submit to the credit bureaus to suppress the initial inquires from earlier. That apparently was not an option. Simply put, I request removal of the first inquiries because if in fact you did not pull the credit report, it would effectively be inaccurate information. I am not sure as to why this was a complicated concept to understand. Nevertheless, I agreed for him to submit the application to a specialist. Less than one minute later, I received another email denial for the third time stating the same reason. 

In an effort to try this process again, I unfroze the credit reports ( again ) and tried to retry the reservation link originally emailed to me, as advised earlier, and received a link expiration error. 

Additionally, I am also having a problem with my current account with you ending in XXXX. I have attempted to get it resolved to no avail. I have paid the statement balance, more than in fact, every month and have still been accessed interest charges on the balance which I am hoping can be refunded. 

Sent this in an email twice ( attached ) to the CEO, as it is the only email available for assistance, and have yet too receive a response.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (FL)

Dear Navy Federal Credit Union, I hope this message finds you well. I am writing to request a refund of {$310.00} that was charged to my checking account yesterday. As a dedicated member of your institution, I have always trusted in your commitment to providing exceptional service. 

Unfortunately, I recently experienced some unexpected and difficult circumstances related to my father 's health. As a result, I was not aware that the assistance I received would come at a cost, and I can not afford the additional fee at this time. I am barely able to stay afloat financially, as I am constantly traveling back and forth to the hospital and trying to provide for my XXXX young boys. 

I am deeply saddened by the way I was treated over the phone by supervisor XXXX and XXXX. They were not understanding of my situation and made me feel humiliated for asking for help. I understand that mistakes can happen, and I am hoping that you can find it in your hearts to assist me during this difficult time. 

I appreciate your understanding and look forward to resolving this situation as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

To whom this  may  concern  I   XXXX   XXXX  sent a certified letter and fax to  XXXX  and  XXXX  on      XXXX   XXXX   2017. Th e letter was a paid for deletion to the company   XXXX   XXXX   XXXX   XXXX   XXXX  .  Current Creditor  : LVNV Funding LLC. the account was sold by   XXXX   XXXX   XXXX  . This letter stated that if the company agreed to cash the check that all the credit bureaus would delete collection off file the amount was  XXXX . I spoke with a  manager at th e company  LVNV and  he stated it would be removed.   XXXX   has deleted the collection from file but  XXXX  has n't. Also   XXXX   XXXX   is reporting the account inaccurate the account is paid so it looks like there are  two  charge-off on my credit. The only action that was taken by  XXXX  is the collection has  a   XXXX    b alance when it should be deleted per the contract.
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OH)

I applied and was approved for a Citi  XXXX   XXXX   XXXX . On the day I received my card in the mail, I also received a letter from  Citi  stating " We 're concerned about potentially suspicious activity on your ... '' It also states " We tried to call you to verify these transactions, but did n't reach you. '' Obviously the card was never activated and Citi never tried to call me. The letter asks me to call. I contact  Citi  and ask them to close this account. They attempt to verify my identify using my cell phone number, then my land line, and finally my work phone number. The Citi representative states they will call my work phone number, leave a code, and to call them back. I waited a day or two, having never received a call to my work line, and call them back. I go through the same process of attempting to verify my phone numbers and again do not receive a call from them.  Three to four  weeks later, on   XXXX  , I call and again go through the same phone number verification process only this time the Citi representative states that I will receive a call from a supervisor. I have spent roughly 1.5 hours on the phone with Citi representatives trying to close an account I never used. Unacceptable!!!
Consumer complaint received 2023-02-12
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. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-01-09
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)

XXXX XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as XXXX  6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting XXXX different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting 2 different credit amounts {$350.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2024-03-27
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. (MI)

In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX