davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX account number XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MI)

The problem is my credit limit was lowered from {$500.00} to {$400.00} without warrant and I make my payments on time regularly. Never been late so how can they lower my credit limit. I contacted Walmart on  XXXX / XXXX / 2017  and I was told this information. This is unfair and I would like this matter look into as an consumer this is misleading to give me an credit limit and then change it and I never been late or behind on my payments.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

When I checked the my Equifax credit report the around XXXX the XXXX I noticed under my Public records there was a Bankruptcy : Discharged CHXXXX placed on my credit report. I have never filed Bankruptcy and called Equifax in which they kept giving me the run around on what to do. So I called the Bankruptcy court in XXXX Michigan in which they instructed me to do and they say they have no record of me filing Bankruptcy in which I never lived out side of North Carolina. The phone number is XXXX they said they could not give me anything on paper stating I don't have a bankruptcy because they do no do that .I also called XXXX XXXX in which they stated they had no knowledge of me filing bankruptcy. All I want is for them to take this serious this has been a nightmare to me please have them to delete wrongful hurting information off of my credit report. Thanks
Consumer complaint received 2022-10-19
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. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : AXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states that 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2022-11-02
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/2022 ; XXXX Date of inquiry : XX/XX/2022 ; XXXX Date of inquiry : XX/XX/2022 ; XXXX XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (AR)

I read about the class action lawsuit with Santander. It stated my attorney General for the state of Arkansas has sued them for unfair practices for predatory lending. The maximum allowed interest rate in the state of Arkansas is 17 percent. my loan rate is currently at 24.10 % I called and left a message with the Attorney General 's office. I then called Santander to speak with them regarding the loan and the interest and how I was never sent any notification, as I was qualified for either restitution or loan forgiveness according to the website that was managing the class action lawsuit or at least that what was my understanding, so I was calling to clarify the information. I'm not a lawyer so I figured they would have to tell me accurate information about my rights. They refused to speak to me regarding it and said I had to speak to the Attorney 's general office and said all settlements have already been reached. I don't know what else to do from here.
Consumer complaint received 2023-03-08
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: Avant Holding Company, Inc. (NY)

In accordance with the fair credit act this Creditor, has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 It also states that consumer reporting XXXX, XXXX and XXXX can not furnish an account with out my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (MD)

Denial of mortgage Re-Fi opportunity due to false information. Deceptive information and claims regarding denial. Loan officer ( XXXX ) stated loan denied based on derogatory information reported from XXXX XXXX on or about the XX/XX/2021 which is protected by the Cares Act. Loan with XXXX XXXX was amended to reflect a new maturity date. Loan was never delinquent or pass due at anytime. Spoke to XXXX XXXX to ensure that it was not reporting negative on my wife and I credit report. I also pulled our credit reports to verify. XXXX stated he called to advise, never happened. Stated denial letter was mailed around that time, never received. We then sent emails for clarification regarding the specifics of the denial that was never answered on or about the XX/XX/2021. Left several messages to return calls to no avail. Spoke to XXXX, stated would look into the matter and return call, never did. Spoke to XXXX on or about the XX/XX/2021, stated would have XXXX manager call me back. Again no call. Received denial letter dated XX/XX/2021 with bogus information on the reason for denial. Was not the supposed originally dated denial letter. Pulled credit reports to reflect the correct information. Never received originally dated denial letter. Need answers to why I could not speak to the department that provided the erroneous information, why I was not contacted regarding denial until the day before settlement ( XX/XX/2021 ), why veterans are treated by this organization with this level of deception, why I continue to receive solicitations from this company even after denial, why are they allowed to send incorrect credit reported information, why I received a denial letter dated the XX/XX/2021 when I requested the original letter sent via email, what corrective measures they have in place to correct this disservice to veterans, what are they going to do as an organization supposedly supporting veterans to correct this wrong, why have, after requesting the direct mailing address for the Board of Directors not provided? Request made via website. What are they going to do to provide re-fi services to my family and I. On or about the XX/XX/2021, I contact the XXXX who as of XX/XX/21 have not yet received a response back from them. Did receive a call from XXXX who stated was XXXX manager, he could only apologize for no one getting back to us. All other concerns still remain. The company in questions is New Day Financial Services.
Consumer complaint received 2021-04-15
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)

IM NOT UNDERSTANDING WHY MY COMPLAINTS KEEP GETTING IGNORED. ALSO I WOULD LIKE TO UNDERSTAND HOW SOMEONE IS STILL ABLE TO APPLY FOR ANYTHING IN MY NAME WHEN I HAVE A FREEZE ON MY XXXX REPORT PLEASE REMOVE THESE HARD INQUIRIES AND COLLECTION ACCOUNT FROM MY CREDIT REPORT 

names
XXXX XXXX
address
XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX TN XXXX 

INQUIRIES 
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 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUSTMARK CORPORATION (TN)

After reviewing all credit reports ; A closed checking account with TrustMark Bank with a charge off balance of {$1200.00} on XX/XX/17 appeared. THE ADDRESS ASSOCIATED WITH THE ACCOUNT REPORTED IS INCORRECT. The local branch in my area was made aware of these XXXXalse/ Fraud charges when I was initially made aware of this. Explained to a teller that I didn't have that type of money in my account at the time for that to be possible. I also did NOT give permission for any merchant to charge that account for {$1200.00}. The Teller stated there was nothing she could do and the fraud charge or balance of {$1200.00} was my fault. I did state I wanted the account closed and the balance removed due to Fraud ; an investigation was supposed to take place but its still on my report and preventing me from opening an account with my employers credit union.
Consumer complaint received 2021-04-15
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: Key 2 Recovery, Inc. (WA)

This is a follow up to CFPB complaints XXXX and XXXX regarding debt collector Key2Recovery where its representative states : " ... someone stole her identity they would first have to construct erroneous high school transcripts, fraudulently take the XXXX exam using someone elses { sic ] name, apply to the institution of higher education ( XXXX XXXX XXXX in this instance ) in the hopes of being accepted. If accepted, they would then have to enroll for classes and pay the tuition and fees and attend classes all with the questionable intention of obtaining a diploma in someone elses [ sic ] name to secure gainful employment as another person ... '' 1. Clearly, this statement indicates the company did indeed act as an authorized third party and initiated contact with someone at XXXX XXXX XXXX to gain access to personal records with neither my knowledge nor my consent in violation of Fair Debt Collection Practices Act 15 USC 1692c 805. Communication in connection with debt collection : " ... a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' 2. Moreover, the address and personal information on all correspondence from the debt collector came directly from government documents from XXXX XXXX XXXX, which is protected by the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. 

3. Finally, I am a current respondent in the ongoing 2017 Equifax Data Breach Settlement where my credit information is currently monitored. It is very irresponsible for a creditor to mock or otherwise dismiss the severity of data breaches that compromises one 's personal. Bottom-feeding companies, such as Key2Recovery, care only about their increasing their profit margins by any means including data breaches, identity theft, and fraud.
Consumer complaint received 2021-04-15
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. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021, I deposited a check for {$510000.00} into my checking account at CHASE. The check was from the settlement of the sale of my house. On XX/XX/2021, I went online to Chase.com to my account. The deposit was there and it stated that it was available. I then transferred ( by XXXX ) {$520000.00} to XXXX XXXX. XXXX said I could now buy investments to my account. The next day, Chase put a hold on the cash. This was after they said, ( online ) that the cash was available and they did transfer it to XXXX. My Chase account shows a deficit of about {$500000.00}. I tried all day including visiting a local branch for assistance. Their phone service is intolerable with referrals to other phone numbers. My complaint is that if their computer made the funds available, they should honor this action and provide access to correct the mistake.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TX)

My wife and I purchased a new vehicle on XXXX at XXXX XXXX XXXX XXXX XXXX Wells Fargo assumed the loan. They have yet to report our vehicle to the credit bureaus. We have made now a total of 14 car payments with not one reported. My interest rate is 9.7 %. My credit now is very good. I cant refinance this vehicle due to Wells Fargos delinquency in reporting I have been in contact with Wells Fargo several times in the past 6 months. My last letter was received by Wellss Fargo on XX/XX/23, stating that they will report this information. It hasnt happened and they have cost me at least XXXX with added interest Im paying daily.Im buying a house in 8 months and Im wondering what impact this could have on that purchase
Consumer complaint received 2022-11-02
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)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NV)

I had a Coinbase Account with Virtual Assets in it. The account was hacked. The hacker bought more currency against my knowledge then transferred all the assets out of the account. I was not notified UNTIL my bank flagged a purchase request for {$25000.00}. I called and immediately. Reported the fraud. Then went on to report the unauthorized activity and ask if I could seek recovery from Coinbase. For the last year, I generated multiple support tickets, tried to call them, sent separate emails. Coinbase initially confirmed that the issue has been reported and that they would reach out to further help me with the case. Instead, I would not get any more contact and the ticket would be closed. Coinbase also consistently locked my account over and over. Then filed yet another support ticket, again they locked the account. I got it unlocked recently only to discover that Coinbase had not help me with recovery or reported the fraud. They were also trying to charge me an additional {$2500.00} on top, with claims they will be forcibly collecting it in 5 days. I have already notified my bank to stop unauthorized transactions from Coinbase.

I would like to recover the funds stolen and stop coinbase from trying to collect funds they are not owed. 

This is how much the hacker stole from my account without any warning from coinbase. 
Sent Bitcoin XXXX BTC on XX/XX/2020 Sent Litecoin XXXX LTC on XX/XX/2020 And now this is what they are trying to charge on top Coinbase Charging {$2500.00}
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2023 I went into XXXX XXXX in XXXX to purchase a car. 
My XXXX XXXX with both XXXX and XXXX is XXXX - XXXX. I was told by car salesman, XXXX that my score was XXXX. I believed that a XXXX invoice may have contributed to the XXXX score. As a result, the finance charge was HUGE. 
When came home, I realized they had used an outdated credit score from Experian which offered the XXXX score. The next day after reviewing my XXXX and XXXX scores, I requested they re-do the finance part with the updated credit scores XXXX or XXXX but they refused. 
It is my contention XXXX XXXX obtained finance through fraud. They have means to manipulate credit scores through a company called XXXX in their office. I am a senior and I believe I have been taken advantage of. An {$8000.00} car became an {$18000.00} debt. This outlandish. 
They secured financing through XXXX XXXX based on outdated information.
Consumer complaint received 2021-04-15
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. (CA)

I have reached out to XXXX, Experian and XXXX  in written email and verbal communication without any success. I have been a victim of identity theft in which all three credit reporting bureaus have a copy of the police report. XXXX XXXX XXXX XXXX  is listing an account that isn't mine! I have reached out to all three credit reporting bureaus for over 12 months and the disposition is that where've in the midst of a COVID-19 pandemic and its taking longer. I understand but the law states 30 days sand its ben 1 year if not longer. 

I've reached out to the merchant XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX without any success. 

I've reached out to all three bureaus on XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with no success.
Consumer complaint received 2021-04-15
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. (CA)

I have reached out to XXXX, XXXX and Equifax in written email and verbal communication without any success. I have been a victim of identity theft in which all three credit reporting bureaus have a copy of the police report. XXXX XXXX XXXX XXXX  is listing an account that isn't mine! I have reached out to all three credit reporting bureaus for over 12 months and the disposition is that where've in the midst of a COVID-19 pandemic and its taking longer. I understand but the law states 30 days sand its ben 1 year if not longer. 

I've reached out to the merchant XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX without any success. 

I've reached out to all three bureaus on XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with no success.