davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (NY)

The credit card issuer ( First National Bank of Omaha ), allowed a {$31000.00} transaction to be charged to my account without ANY authorization by me ( cardholder ), and without my knowledge. The merchant ( XXXX XXXX ) charged this {$31000.00} transaction to my credit card on XX/XX/2023 without any prior authorization or consent ( written or verbal ) on my part. They just went ahead and charged my credit card, and XXXX just allowed it to go through. No one even blinked an eye. 

First National Bank of Omaha 's dispute/fraud department was contacted on several ( 4-5 ) different occasions. I spoke with representatives, supervisors, and invested hours of my time to explain that I did not want the charge to go on this credit card and that I did not authorize this transaction. I did purchase products from XXXX XXXX for this amount but in all my previous transactions with them, the products were delivered and an invoice sent, which can then be paid by the customer 's method of choosing. 

Not only did I not get an invoice, they ( XXXX XXXX ) went ahead and just charged the credit card of their choosing ( without my authorization ), and not only that, not ALL of my products were delivered. However, the issue here is XXXX, who does not have any fraud protection mechanisms in place to verify such a large transaction amount with their customer ( the cardholder ), and then refused to even acknowledge that they were in the wrong and to dispute the transaction. They're in bed with the large corporate companies that they're contracted with. That's who their actual customers are, not me or any other " little guy '' cardholder. 

I would steer very clear of XXXX.
Consumer complaint received 2023-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc. (FL)

This business intentionally makes it difficult to access your online account so you can not make additional loan payments on the loan shark loans that they make. Have tried logging in for 3 days and receive the following : Uh-oh! We're experiencing a problem. 

We are having an unplanned outage and our team is working on it. 

Fix the problem so I can access my account and make additional payments on my predatory loan.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (HI)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to request a XXXX for a charge-off that was written off and I never got a XXXX to see how much of it got written off. I understand that this charge-off has been reported to the Internal Revenue Service ( IRS ). I am requesting the form XXXX to be sent to me for the following accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
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. (PA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Cash Back Credit Card promotion for double cash back from XXXX XXXX - XXXX XXXX on certain merchant accounts ( XXXXXXXX XXXX  XXXX XXXX ) that were already having 10 % back promotion. Therefore, it is expected by customers to get 20 % back on card. However, with this XXXX merchant account, they didn't honor that when I used the mobile phone application to pay for the order. So, they said that was not eligible for the double cash back promotion. I called and they showed where that was written in the promotion restrictions at very bottom of disclaimer statement. So, I don't deny it is there, but print is made purposely smaller than rest of print higher up on disclaimer which means they make it harder for people to read it. They want to motivate people to come into merchant location physically and make an in-person purchase using the card. I definitely know now, but it wasn't as obvious and clearly defined as it needed to be and I feel I was deceived into thinking it was ubiquitous to all merchant purchases.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (NC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX : {$390.00}
Consumer complaint received 2023-11-12
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. (HI)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (SC)

On XX/XX/XXXX, my wife and I applied for a mortgage loan through NVR mortgage. Shortly thereafter we were conditionally approved, and by XX/XX/XXXX of XXXX we had received an email that confirmed a closing date of XX/XX/XXXX. The email says, " this date is considered firm ''. The email also reads that any delay on the BUYER 'S part will result in additional fees. After moving across the country and paying to store our belongings, we reached out to NVR the day before close to confirm what we needed to bring to settlement. It was then that NVR told us our close had been moved to XX/XX/XXXX. This was never communicated to us at any point. Both online portals we had been using to submit documents still indicated a XX/XX/XXXX close. We had done our walk through of the home on XX/XX/XXXX, and the project manager on site also confirmed to us a close date of XX/XX/XXXX. Obviously he was unaware of the changes as well. NVR has told us they will " see what they can do '' about paying for our storage but refuse to honor the original close date. They claim the only thing holding up the process is for my wife to begin her new employment, instead of honoring the offer letter she has provided multiple times stating her salary and guarantee of full time work. Our commitment letter reads that the only thing required is verbal verification of employment within 10 days of closing. My wife has already been through her drug screen and employee health physical at this new place of employment but again, they are delaying until her first actual day of work. Both my spouse and I strategically took time off work, organized a move, set up utilities, etc., for a date that had been changed in XXXX that NO ONE communicated to us. We have our mail forwarded to a mailbox we don't have keys for for another 23 days. It is unacceptable that the buyer would have to pay a penalty for delaying close but all NVR has done is give us vague answers about how they plan on fixing this.
Consumer complaint received 2023-11-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (IL)

Approximately XXXX, 2023 Wells Fargo in XXXX locked me out of my safe deposit and refused me access. I went into the branch several times. By the time I was allowed access several days later {$12000.00} in cash was stolen. XXXX said see I told you we have cameras in the safe private room.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM THIS MAY CONCERN I PREVIOUSLY DISPUTED THIS COLLECTION ACCOUNT AND IT WAS CONFIRMED TO BE REMOVED, HOWEVER IT CAME BACK UNDER ANOTHER COLLECTION COMPANY NAME : XXXX XXXX XXXX  ACC NUMER XXXX DATE OPENED XXXX XXXX, 2023
Consumer complaint received 2024-03-29
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Everything started on XX/XX/XXXX as I started to getting fraud alerts that were corrected and had the verify myself at least two or three different times and then they said everything was fine as of Friday. Even when I called on Saturday they said everything is fine with my account my debit card is ready to use and my account is fine and standing. Only as of XX/XX/XXXX around the afternoon time they decided to deactivate my account without my notice or sending me any emails even after verification.
Consumer complaint received 2024-04-30
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (IL)

I received a pre-paid Amex reward card in XXXX with a balance of {$100.00}. I was only able to use {$51.00} because Amex began charging a monthly fee of {$2.00} starting in XX/XX/XXXX, before I even made my first purchase with the card or activated it. The card balance is now {$0.00}.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to report XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX has incorrectly reported two identical accounts to all three major credit bureaus ( XXXX, Experian, and XXXX ), causing significant harm to my credit score in retaliation to a CFPB Complaint I filed on XX/XX/year>. 
The accounts in question are : Account XXXX : Date Reported : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX, Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : Date Reported : XX/XX/year>, Collection Agency : XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute these account because the errors and validation. Furthermore, XXXX XXXX XXXX XXXX retaliated against me further for reporting the error to the CFPB by re-reporting the same account under a different account number. 
Notably, this malicious action occurred after I submitted a complaint to the CFPB on XX/XX/year>. This retaliation is a clear violation of federal law and demonstrates XXXX XXXX XXXX XXXX 's intent to harass and intimidate consumers who exercise their rights. 
As a result of XXXX XXXX XXXX XXXX 's malicious reporting, my credit score has dropped significantly. The duplicate accounts have caused irreparable harm to my credit reputation. I believe this constitutes a violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) for willful non-compliance with dispute procedures FCRA Section 623 ( 15 U.S.C. 1681s-2 ) for furnishing inaccurate information FDCPA Section 805 ( 15 U.S.C. 1692d ) for harassment, oppression, or abuse I have attached supporting documents, including : Credit reports from all three bureaus showing duplicate accounts
Consumer complaint received 2023-09-15
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$370.00}
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

I have been in an ongoing battle to get the PMI removed from my mortgage for several months. I finally was able to get the company to contact an appraiser to begin the process to see if the property was eligible for PMI removal based on current balance and newly appraised value. After receiving notification that the appraisal was completed, I was provided insufficient details on the results beyond " did not qualify for PMI removal ''. When first requesting detailed support from the appraisal, I was told that the house appraised at a value equal to the exact low end of the appraisal ( not having access to the detailed appraisal yet, my disagreement at the time was voice and I was told to simply file a disagreement. Once being told that, I stated that I would need a copy of the detailed version in order to make a more specific case for my dispute. The representative said she would send the appraisal to my email on file which I had her confirm ( XXXX ). After receiving nothing for a week, I followed up to once again request the detailed appraisal. Finally after requesting detailed documentation for a third time, I finally was providing the detailed appraisal ( as opposed to the summary one page document with no detail ). I find out that the appraisal actually came in ~ {$35000.00} higher than I was originally told the first time. Realizing this may have been an error in initially rejecting my request, I called back today and was put on hold for awhile while another representative looked into why it was denied. Prior to this, I was told that the appraisal needs to be below 80 % XXXX to remove PMI. Similarly, the Mr Cooper website says in plain English that you can request to cancel PMI at a level below 80 % XXXX. Yet, the representative today told me that the current XXXX of 77 % doesn't meet their requirement of 75 % XXXX which is a special requirement since the new value was from an appraisal. He also let me know that there is nothing he can do and nothing I can do except file a detailed dispute. I am in the process of filing the dispute as the initial appraisal ignored an identical comparable that is next door that indicates a value closer to XXXX % XXXX and contained inaccuracies. At that point, I decided to file a complaint with the CFPB as the story seems to be changing and inconsistent with the terms clearly stated on the website.
Consumer complaint received 2020-07-30
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. (KY)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$82.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$940.00} XXXX XXXX   XXXX {$800.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX {$3900.00}