davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC (CO)

I recently was contacted by XXXX XXXX XXXX and they stated that there was a debt from 2017 that was owed from XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX and they said that a lot of the information on the credit file like drivers license the address, the phone numbers the emails did not match up correctly to my actual information. They believe that the debt was fraudulent. They instructed DNF associates to have XXXX buy back the debt and then they could cancel the debt based on fraud. I have filed a report against XXXX XXXX XXXX and they have recently stated that they have given the debt back to DNF associates. I am trying to have this resolved appropriately and removed from my name.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX my wife and I were discussing our mortgage payments, balance, and interest paid year-to-date XXXX. While looking at our most recent Bank of America ( BAC ) mortgage statement ( XX/XX/XXXX statement ), we noticed that we'd paid more interest thus far in XXXX than we did during the entire XXXX  year. We also noticed in the statement that the next payment due was not until XX/XX/XXXX. Upon further investigation on our part, we discovered that the overpayments that we had been forwarding to BAC were NOT being applied to the principle of the loan balance. In a conversation with their mortgage customer service representative, we subsequently learned that the over-payments were being applied to future payments. We explained that with each over-payment, there were written instructions for the over-payment to be applied towards principal balance. We also explained that we had no intentions of pre-paying future payments and interest that had not yet been accrued. We have spoken with a number of BAC mortgage representatives at this point, who've all cited that it's their policy to apply overage payments to future payments. In our attempts to rectify this issue, we have instructed the bank to forward a full payment history for our mortgage account, that demonstrates payment allocation for principal, interest, fees; including the application of any payment overages. After a conversation with the bank, we were instructed that BAC would apply the additional payments towards the principal loan balance. In an online statement we viewed on XX/XX/XXXX, we were able to confirm that the additional payments were applied to the principal, and the principal had been reduced. We asked BAC to confirm whether any interest that we inappropriately paid due to the misapplication of our payments be refunded and applied to the principal as well. We are still not sure if that has been applied correctly ; thus they have agreed to forward a full payment history and amortization schedule. Our concerns are the misapplication of payments intended for reduction of principal balance, deceptive practices by BAC as they did not previously nor beforehand explain their policy in applying overage payments of our mortgage towards future payments, BAC ignored written instructions on each payment they received from us to apply overage payments to the principal balance, and BAC 's inappropriate practices proactively worked to inhibit the early payoff of our mortgage loan. We are filing a formal complaint against Bank of America and their inappropriate practices that work to inhibit early payoffs for mortgage loans. We also want to issue a formal complaint that Bank of America proactively worked against our original mortgage agreement that explains no penalty for early payoff.
Consumer complaint received 2023-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against me. The notarization process, as mentioned in my initial communication, remains of great importance in ensuring the accuracy and authenticity of this documentation.
Consumer complaint received 2023-08-22
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. (SC)

Violations 15 USC1692 Sharing of Personal Information ( 10 ) 15 USC 1666b ( a ) Timing of Late Payments ( 15 ) 15 USC 1681b2 Right To Privacy ( 12 ) My Consumer Credit report is not fair and equitable, I cited the inaccuracies 15 USC 1681 ( a ) and explained how my report is full of errors and they did not exercise their grave responsibility with fairness. 15 USC 1681b ( 2 ) My right to privacy is constantly being violated by XXXX by reporting inaccurate information, not properly investigation and not responding to correspondence that were sent concerning this matter at hand.did not properly Re-investigate accounts listed
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

I was in the Chase Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went up to teller to withdraw money from my account. I made small talk and conversation with the female bank teller about where I was going later that evening. Which we both engaged in talk of going out to a strip club and her favorite strip club. I left bank thinking nothing of the small 3 minutes conversation and everything being just fine. Only the next week to find my debit card transactions were being declined and my automatic car insurance was declined even though I had more then enough funds in my bank account. I call customer service and was told my account was placed on a fraud restriction. And told I need to be transferred to loss prevention..I was talked to as if I had committed fraud. And told chase bank was holding my money and had decided to close my account after 3 years with no explanation.. except I would receive a letter explaining more and a check in 30 days. I received letter yesterday. And it says their closing my account and accusinge me of '' inappropriate conduct with employees ''. No investigation, noone contacted me to discuss this or ask me about totally innocent 3 minutes interaction I had with teller. Just closed my account off a absolutely completely random false wild allegations. I'm planning to pursue legal action but I first would like to discuss this with someone at chase bank and file a formal complaint. I was told by a personal banker at another branch she would file a complaint for me and I will be contacted by a chase representative concerning the complaint. I have not be contacting by anyone this far.
Consumer complaint received 2019-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Chase bank refused to properly authenticate the account and go through the full verification. The agent got an attitude then when i asked to speak to the supervisor she refused to verify the account for my own requests of adding a verbal passcode to the account the supervisor nor the representative verified the account fully. 

Supervisor name : XXXX Agent involved : XXXX
Consumer complaint received 2023-06-16
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. (CA)

Due to being behind on payments, I had my vehicle repossessed by the loan issuer, XXXX XXXX XXXX in XX/XX/2022 for my account XXXX. The amount total amount due at that time in XX/XX/2022, when the car was repossessed, if I wanted to get the vehicle back including the fees for storage, tow, and loan due balance was {$5900.00}. I wasn't able to get the vehicle back. The issue is that XXXX XXXX XXXX is unjustly updating and reporting delinquent payments to the credit bureaus on a car loan account they reported as closed, as repossessed, and has been repossessed for nearly XXXX year. Each month they are erroneously updating the balance on this closed and repossessed account. I have written to XXXX XXXX XXXX several times to resolve the issue to no avail. They ( XXXX XXXX XXXX ) continue to report due balance updates on nearly one year old closed and repossessed account for a car I have not had for nearly a year since they XXXX XXXX XXXX XXXX ) repossessed it. At the same time they held an auctioned for the vehicle with XXXX XXXX XXXX in XX/XX/2022. I am not required to pay a balance on a nearly one year old closed and repossessed car loan for a car that I don't have.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

Deposited XXXX in my checking account when it still had a positive balance. Bank told me they were holding my money for 7 business days becuase an overdrew my account a few times. 7 business days is too long since it involves a weekend and then 3 more days bringing zero acces to my account for 10 days which is 3 days longer than federal law. Also, since they had my checks on hold for so long, my account was overdrawn again since they were holding my money for so long. In another opinion, the excuse for holding my money was because of overdrafting. Since Im charged a fee for the each time that happened, they were paid each time with zero issues. This holding my money is totally unfair and is an excuse for the banks to hold my money so they can use it for 10 days. I called and complained and got brushed off with I have to speak to my manager and call you back which means we most likely will not call because thats how people are. I want my money and the bank to be told to never hold my funds ever again. Totally unfair, makes me late paying my bills or running my business. I want something done ASAP. Thank you.
Consumer complaint received 2023-08-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When signing documents for the Line of Credit with BoA, we pointed out that the documents read variable interest rate when we were promised a fixed rate. We were told by the loan officer that the rates would be fixed at the time of withdrawal. I made of note of this on the documents before we signed and stated I was very uncomfortable that this process was not clear in the note. 

My husband was responsible for managing the loan and repayment. When I happened to open a statement in XX/XX/2023, I noticed that the rate was NOT fixed and called BoA. 

On XX/XX/XXXX at XXXX est, my husband and I spoke with XXXX. We opened case ID # XXXX. We were told a case manager would be assigned and we would have resolution within 30 days, and that the case manager would reach out for more information. No one reached out or contacted us. 

Today, XX/XX/XXXX, my husband and I contacted BoA again. We spoke with XXXX. He told us he reviewed the files and there was nothing he could do but offered options to fix our loan now. XXXX did state that he would enter another complaint for BoA to review but it does not appear they will do anything. 

I feel that this was a predatory lending situation where I was deceived through unfair and deceptive practice at the BoA branch.
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX bankruptcy XXXX Account # 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 instruc tions. 15 U.S
.C.
Consumer complaint received 2023-08-21
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: JPMORGAN CHASE & CO. (IL)

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 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 2023-08-20
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)

I hope this letter finds you well. I am writing to address a deeply concerning matter related to my credit report. I want to bring to your attention that an account with the account number XXXX XXXX, held by XXXX XXXX XXXX, has been unexpectedly reinserted onto my credit report. This act not only contradicts my previous efforts to rectify inaccuracies but also raises serious questions about compliance with the Fair Credit Reporting Act ( FCRA ). 

I would like to remind you that I previously contacted your agency in XXXX of XXXX  to address this incident. In that letter, I outlined my concerns regarding the accuracy of the account and requested its removal. Despite my previous efforts, I have not yet received confirmation of the removal of this account from my credit report. 

It is important to highlight that the reinsertion of an item onto a credit report without prior written notice to the consumer is a direct violation of the FCRA, which mandates that such notification should be provided within five days of the reinsertion. The unexpected reappearance of this account without appropriate notice has left me deeply concerned about the integrity of my credit history. 

Given the circumstances, I am left with no choice but to demand the immediate deletion of the aforementioned account from my credit report. This action is not only necessary to rectify the FCRA violation but also to ensure the accuracy and completeness of my credit history. 

Additionally, I kindly request that you promptly provide me with an updated and revised copy of my credit report following the successful removal of this account. This will enable me to verify that the necessary corrections have been made. 

I must stress that the delay in addressing this matter is both disconcerting and disappointing. I urge you to take immediate action to rectify this situation, as I am prepared to assert my rights under the FCRA to ensure compliance with its provisions. 

Thank you for your immediate attention to this critical matter. It is my hope that your response will reflect your commitment to accurate and compliant credit reporting.
Consumer complaint received 2023-06-16
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)

This is my 13th endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I HAD TWO CAPITAL ONE CREDIT CARDS THE ACCOUNTS ARE CLOSED BUT THEY KEEP GIVING MY PERSONAL INFORMATION TO DEBT COLLECTORS MY SOCIAL AND ADDRESS AND PHONE NUMBERS I DONT OWE ANY DEBT COLLECTORS BUT THEY CONTINUETO SEND OUT MY PERSONAL INFO THE PEOPE I DONT KNOW A LOT OF US WAS AND STILL IS IMPACTED BY COVID AND THEY ARE GOING ABOVE AND BEYOND WITH MY PERSONAL INFORMATION AND I DONT LIKE THIS
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : 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 2022-12-06
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 just received a copy of my credit report and I noticed accounts that are outdated and inaccurate. I want this information removed because they can be considered as fraudulent and I have the right to Accurate Reporting.
Consumer complaint received 2023-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (OH)

One Main Financial denied my credit application for a personal loan based on Teo precursors : ( 1 ) Number of Established Accounts : There are " 22 '' established accounts listed on thr credit reported dated as far 10 plus years old. These accounts meet th4 established account criteria, yet I am being racially discriminated against in lending.

( 2 ) Number of Inquiries : There are only 3 inquiries listed within the past 6 months of which should not be held against an individual being continously denied credit. It is recommended a creditor limit inquires between 6-8 applications per year. This criteria was not truthful or valid, and intentionally racially discriminated against by changing standards and criteria.