davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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 15 U.S.C 1681 section 602 A. States I have 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 2023-09-05
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Im requesting some assistance on a bank draft I deposited into my Bank of America checking account. I was told that a portion of the check would be available next day, that is also written on my deposit slip. The next day, it was not available in my account. When I called BOA they could not give me a reason why, when I asked when it would be deposited they said we can not tell you that as we do not know, possible 7 days due to the hold. I requested why it was held, and asked for more details. They said they do not know why exactly there is a hold. 

This check was written on a bank draft, which is guaranteed funds from a XXXX XXXX account. 

Ive spoken to BOA every single day since Ive deposited it, they still have not given me a reason for hold, or a possible check clearing date. 

They refuse to release the partial amount that was written on my deposit receipt/slip.
Consumer complaint received 2023-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

US AUTO SALES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I Was purchasing a car from US Auto Sales on XX/XX/2023 after receiving the car XX/XX/2023 i was trying to get back with US AUTO SALES because the car was cutting off and horn didn't work.. and they sent me to a transmission shop and it had a bad transmission problem so I was trying to trade for another car and they closed there business all in ga .. and I'm not satisfied I'm disable with a co signer having a XXXX loan and the car was XXXX and after paying the down XXXX it was XXXX i was not suppose to pay no money on a loan 15 usc 1605 determine of financing charges. I was not suppose to pay no cash and the loan was XXXX not XXXX but they are both too high for a lemon car..I haven't rode in the car its Ben in the shop.. and I need to get it remove off my credit report .15 usc 1692A and I'm trying to be added to the lawsuit they have with us auto salXXXX
Consumer complaint received 2021-05-10
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. (LA)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (NM)

I am a very active XXXX XXXX XXXX XXXX widow who competes in national and international swim competitions with state and national records, paints, dances, does powerlifting, plays the piano and attends live performances of classical and contemporary music or opera about twice a week. 

In the interest of meeting a single XXXX with similar interests I met with XXXX of XXXX XXXX XXXX XXXX ( hereafter XXXX ) on XXXX XXXX, XXXX. After being assured that XXXX could do that I paid {$3300.00} to XXXX. That sum was charged to my XXXX XXXX card and appeared on that account on XXXX XXXX, XXXX. 

Sometime after that XXXX called and offered XXXX as a match. He was described as retired, educated and a good match for me as he likes to exercise and enjoys music. 

On XXXX XXXX, XXXX I met XXXX for coffee. I was shocked to learned that he was still married, is XXXX, likes solitude, his only exercise is walking and for music he had attended XXXX live jazz performances during the past year. XXXX spends most of his time babysitting a grandchild. 

None of this was disclosed to me before I agreed to meet XXXX. I do not date married men. XXXX holds itself out as a XXXX matchmaking service. I have in the past not dated anyone XXXX. This should have been disclosed to me in advance. XXXX interests and level of activity are no where close to anything that interests me. 

Since XXXX failed to perform I contacted it to cancel our agreement and request a full refund. XXXX refused. 

On XXXX XXXX, XXXX I sent a letter to Chase XXXX disputing the {$3300.00} charge on the basis that XXXX had not performed its obligations under the agreement. 

On XXXX XXXX, XXXX XXXX XXXX sent me a letter refusing to reverse the charge saying that XXXX had not promised a refund. I never claimed that XXXX had promised a refund. 

On XXXX XXXX, XXXX I sent another letter to XXXX XXXX pointing out, among other things, that I had never claimed that XXXX had promised a refund. I asked XXXX XXXX to reconsider its original decision and reverse the charge. 

On XXXX XXXX, XXXX XXXX XXXX sent a letter to me saying saying the charge was valid because we are unable to support that a billing error has occurred on your account. I never claimed that a billing error had occurred.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (GA)

This complaint against Equifax Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding false information on my credit report. 

Equifax has reported false information without providing the " dunning letter '' as required by law. Pursuant to 1692 ( g ) of the Fair Debt Collection Practices Act, all credit agencies are mandated to send out a " dunning letter '' before reporting debt. Equifax 's failure to adhere to this requirement is a violation of the FCRA. 

Furthermore, Equifax is in violation of the Fair Credit Reporting Act and the requisite XXXX XXXX reporting standards created by the XXXX XXXX XXXX XXXX ( XXXX ). These violations have resulted in inaccurate reporting, which has harmed my credit and caused significant stress and financial hardship. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take action against Equifax for their violations of the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (VA)

This is the second time Truist has bought insurance with our escrow account money even though we have sent our insurance confirmation MANY MANY times. They sent a letter a few weeks ago requesting proof of insurance. We uploaded the proof of insurance ( to their portal ) and got a notice that it was not " accepted '' -- so I called and spoke to someone who said I was using the wrong term in the subject line of the email. So I sent the information AGAIN and AGAIN received a notification that the proof of insurance was not accepted. I called again and the person told me that because my condo association purchases the insurance, it was confusing the system, and that he would find my submission and manually put it through. Next thing - I get a letter saying Truist has purchased insurance ( {$830.00} ) using money from my escrow account. What is especially frustrating is that this EXACT thing happened last year and Truist did not remedy until I wrote to CFPB - then they corrected it and refunded my money. Do I have to go through this every year?? Our mortgage was with XXXX XXXX and XXXX XXXX XXXX  for many years and I never had this issue with them. Is it possible for me to move to a new mortgage servicer? It is very frustrating because they have access to my money and do not seek permission from me before withdrawing from my escrow.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

I want to Dispute with early warning services with information that was retained with out my knowledge that is incorrect. I Show three bank accounts that were not opened up by me. My Identity has been stolen. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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. (FL)

XXXX  this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit purpose.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (IL)

Has something on credit that I'm not able to get insurance in my state can't get vehicle insurance so I can't get my license plate sticker renewed and I've been put in jail over bad checks from XXXX bank but XXXX sent me two checks that I can't cash anywhere bank account has me XXXX XXXX XXXX XXXX in the bad and I don't know how or who to get it fixed XXXX won't cash them either and wouldn't even take my XXXX XXXX card when I had money on card to pay for stuff I had to leave without I don't think this is right to be treated like this I don't think this country is what it was when I was younger people just don't get it it's a free country but always about that money free isn't there anymore being treated like a dog pound for checking written because of needs to live is wrong in my book we have needs to live I hate to see where we're doing in a few years if this isn't stopped online banking was my fault but I didn't know it was going to change my life to this I don't even feel alive anymore and just don't care for it is what it is please help
Consumer complaint received 2023-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

I received a letter of debt collection for services in a hospital that was not mine. I tried disputing with the credit bureau reporting the collection but to no avail. I attempted to dispute the debt again with substantiating documents proving that the debt was not mine. Still, I was unable to dispute the data because of the reporting agency 's website error. On XX/XX/2023, I sent both debt collectors validation inquiries and have not received a follow-up. The original letter I received had a name that was not mine and was for a hospital visit I never made. I contacted XXXX to verify that they were not billed or have a claim for a visit, and they concurred that there is no record of a visit utilizing my benefits number. This is greatly and negatively affecting my credit and my job.
Consumer complaint received 2024-04-03
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The late payment showing on this account from XXXX of 2023 is completely inaccurate. I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Consumer complaint received 2023-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

US Auto Sales Recently just went out of business and then I start receiving calls from this company who co yours to charge me NSF Fees, talking about late payments, the interest was literally done however I see interest still being chargers with new Conpany so it seems I am being charged interest all over again. And its being charged Daily when I send that this supposed to be company had called me regarding the loan I looked up the info and right away felt they were a a scam because of them saying I owed money for late payment etc. 2nd the interest that showed on the loan when the site popped up said I owed maybe XXXX or so dollars in interest. Now it seems to be more interest being paid on a loan and maybe 20-30 % Going towards my loan I need to know about my Gap Coverage does it still exist? The car cost was XXXX and my loan anount was almost double that amount so since 2019 my account shows the price of like XXXX ish where has my money gone and were they just XXXX This is faulty and I did it trust this company. 

Everytime I call I cant ever understand the person on the other line and they dont understand me either so what do it do.
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (DE)

In midXXXX XXXX, I received a credit alert stating that a collection had been submitted to my credit report, which caused my credit score to drop by XXXX points. I immediately contacted the company because I feared that someone may have stolen my identity. However, the very unscrupulous service rep who answered the phone stated that I owed Illinois State {$1000.00} for some sort of overpayment. I haven't lived in Illinois for over 25 years, and I didn't owe any entity when I left and I definitely do not owe one decades later. I disputed the collection and I also filed a complaint against Harvard Collection Services on XX/XX/XXXX. On XX/XX/XXXX, the company responded, noted the dispute in their records, and had the item removed from my credit report. Allegedly, the account was on hold while they attempted to validate this fraudulent debt, but ultimately the case was closed as resolved. I never heard from them again until XX/XX/XXXX, this company filed the same collection on my credit report causing my credit score to drop XXXX points again! I am outraged that a company can operate in this manner, so I decided to file a complaint with the CFPB at this point, before contacting an attorney. This feels extremely predatory and this company should not be allowed to do this to consumers -- especially in the current economic climate that we are currently in. It is not right! I also intend to file an additional complaint with the BBB. 
Consumers beware of the unscrupulous business practices of the following company : Harvard Collection Services XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX
Consumer complaint received 2023-09-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company (VA)

Freedom Mortgage refinanced my VA loan in 2019 as a VA loan. 

Loan ID # XXXX MIC # XXXX Closing XXXX This form is a statement of final loan terms and closing costs. 
Closing Information Date Issued XX/XX/2019 Closing Date XX/XX/2019 Disbursement Date XX/XX/2019 Settlement Agent XXXX XXXX XXXX, XXXX File # XXXX Property XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Estimated Prop. Value {$400000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX Lender XXXX XXXX XXXX Loan Information Loan Term 30 years Purpose Refinance Product Fixed Rate Loan Type Conventional FHA VA Loan ID # XXXX MIC # XXXX The issue is the VA stated Freedom never reported this loan as a VA loan XXXX
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. ()

i took a balance transfer service from Chase Bank on my credit card. they charged me XXXX for XXXX for XXXX months. 
i called up and asked when is my balance transfer period ending. 
i was advised that XXXX will be my ending month and that i should return the money before the billing period expiry. 
i did make the payment but i was charged {$200.00} fee for interest charges. 
i called up to dispute and they did not help me with that. 
i closed the account. but now they are still charging me interest and late fee on the earlier applied interest. 
request you to please help me with this issue and this is causing me unnecessary harassment. 
i do not like to be in debt and this is like unwillingly pulling me in that. 
i have attached the account statement for reference. it is very clear that i made the payment well before the statement generation and they still charged me interest.
Consumer complaint received 2024-04-03
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)

This XXXX XXXX XXXX XXXX { XXXX } just appeared in my credit file in XX/XX/2024. 
I have never opened an account and received products. I have never used my name, signature or government ID to open an account. I never received any products. This is a fraudulent account and identity theft. 

This XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

In the middle of dispute with XXXX XXXX XXXX regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. XXXX did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust XXXX XXXX XXXX. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust XXXX would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting XXXX would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016! No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how XXXX runs their business.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly examine the paperwork? Several of the listed accounts contain inaccuracies concerning reporting, amounts, and dates.