davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Oh, please verify by providing color copy of my ID wet signature of original contract or immediately update to paid never missed a payment. 

XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: COMMERCE BANK (NJ)

I have got my credit card from Commerce Bank and I can not use it since I have received it. I called the bank customer service holding line for more than 50 minutes couple times each. Then they transfer to another department where I need to hold it for another 30 mins to talk to person then they transfer to another line which goes to voicemail. I specifically requested to take my number and have someone to look into and call me but no one is helping. Seems like the bank has no real intention of helping their customer.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I don't have a late payment on XXXX, my balance is less {$900.00} and they report {$1900.00} and wrong utilization pourcentage I have called them to fix this, they referred me to the reporting agency all XXXX bureaus did not correct it despite I sent pictures of my new balance and no late payment
Consumer complaint received 2022-09-09
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. (NY)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 
XXXX XXXX, Account # XXXX -XXXX  XXXX, Account # XXXX -XXXX XXXX, Account XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

forced placed coverage my mortgage company put a {$2000.00} plus coverage .on my mortgage they put maximum amount of coverage i payed to have survey to prove no flood zone so they removed the policy so now i pay around {$200.00} extra until i pay off the {$2000.00} coverage please advise
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Personal information, social media accounts, email accounts, and all banking accounts that I own have been compromised. I purchased a used unlocked XXXX while overseas working with the Department of Defense in XXXX. Phone had malware already downloaded on the device, unbeknownst to myself until a week ago. 
However, Im more upset that money was being funneled from my Chime account slowly for several months, and this bank did not flag anything as suspicious at all. While Chime is not my primary banking institution- I do check it every once in a while, but not so often. I use it for recurring subscriptions, to send money to my mother, and pay cell phone bills. My income and investments are deposited to my XXXX XXXX XXXX XXXX account. Looking over several statements- one particular merchant has been charging money utilizing my debit card number almost every other day since the purchase of the phone. There are several duplicate transactions that were made, and still no security or fraud alert from this banking institution. Surely charging my account down from thousands of dollars to XXXX dollars every month by the same merchant should raise a red flag. But it did not with XXXX XXXX Chime . I assumed all of my bills on auto pay were simply coming out. Im very convinced that maybe this bank is aware that it can easily be hacked and allows its consumers to be scammed, and not even rectify or reimburse unauthorized charges. And its evident that they can not be counted on to protect consumers from this type of thing happening in the first place. This bank is consistently a target for fraud, at the expense of its consumers. Especially being a XXXX veteran who deposits my XXXX portion of income directly with their bank due to convenience. The convenience has now become an inconvenience. I do not feel safe depositing anymore large sums of money with this institution, and I do not believe a sufficient investigation has occurred or will occur. Its went on for far too long with negligence. 

The merchant used to funnel money is a cash gaming site that allows users to deposit money and withdraw the funds via XXXX. Everything all around s screams scam. I am a victim of identity theft. Ive already filed a police report with XXXX police department, an indenting theft report with the FTC, a complaint with the FDIC, and now a complaint with the CFPB. Because my finances were not protected at all. Nobody cared or ever batted an eye at the clearly suspicious activity! Only when I caught on myself. Then I was asked why didnt I say anything- when I just saw everything. Why didnt my banking institution notice? Why didnt they alert me? Most banks have you to physically call to verify charges that are suspicious. This bank did nothing at all.
Consumer complaint received 2019-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

On XX/XX/2019 I mistakenly paid my mortgage to Freedom Mortgage who no longer holds the note. On XXXX XXXX I became aware of the mistake and contacted Freedom to ask them to reverse the payment which had been made through XXXX XXXX XXXX Bill Pay. Today is XXXX XXXX and the reversal has not yet happened. 
In this time period I have been in contact with seven people in the Freedom organization, three of whom have told me that the reversal will happen within 24 to 48 hours. On XXXX XXXX XXXX XXXX XXXX FAX'ed  Freedom with the proof that the payment had been made and that it had been cleared through the Freedom system. I am frustrated in that I have no leverage in this situation and fear that I may not be able to meet my XX/XX/2019 commitment to my current mortgage holder. Please note that the payment made in error has not been forwarded to my current lender.
Consumer complaint received 2024-03-21
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. (GA)

I am reaching out to request clarification and documentation regarding various adjustments made to the alleged collection balance by XXXX XXXX XXXX XXXX XXXX XXXX Specifically, I need validation of the debt and final billing statements covering the period from XX/XX/XXXX, to XX/XX/XXXX, which encompasses the entire duration of the purported lease. It is unreasonable to expect payment for a bill that can not be reviewed for accuracy. 

My legal counsel ( please find attached the attorney DEMAND letter ) and I are contacting Equifax to enlist their legal assistance in compelling XXXX XXXX XXXX XXXX XXXX to furnish explanations and accompanying documentation for every alteration made to the collection balance, as delineated below : ( SEE ATTACHED LETTER FOR DETAILS ) These adjustments, orchestrated by XXXX XXXX XXXX XXXX XXXX, have been ongoing for over a year and have resulted in severe violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The systematic manipulation has caused considerable harm to my credit score and overall financial stability, demonstrating a blatant disregard for consumer protection laws. 

Moreover, the manipulative tactics employed by XXXX XXXX XXXX XXXX XXXX, not only violate the Fair Debt Collection Practices Act ( FDCPA ) but also implicate Equifax, as they are aware of these practices yet fail to intervene. As delineated in the FDCPA, debt collection companies are strictly prohibited from engaging in abusive, unfair, or deceptive practices during their debt collection efforts. 

It is crucial to emphasize that collection agencies, such as XXXX XXXX XXXX XXXX XXXX, do not have the authority to arbitrarily modify collection balances. The frequent adjustments to my collection balances, often by insignificant amounts, have led to notable decreases in my credit scores, ranging from XXXX to XXXX points each month. This pattern, commonly referred to as " trashing the consumer 's credit report, '' is a deceptive tactic employed to pressure consumers into payment. 

I urge Equifax 's legal department to intervene and compel XXXX XXXX XXXX XXXX XXXX to provide detailed explanations and supporting documents for each adjustment to my collection balances. Additionally, I request Equifax 's assistance in holding XXXX XXXX XXXX XXXX XXXX accountable for their fraudulent practices and ensuring that my credit report accurately reflects my financial standing.
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PulteGroup, Inc. (TX)

In XX/XX/2023 I bought a home with a street address. Today I got a call from the post office stating my address had changed. When I called my county office that gives out addresses they told me that the address had changed in XX/XX/2023 before I bought my home. My mortgage lender is Pulte. They did not inform me of this and still to this date have not contacted me.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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. 

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MO)

Commencing on or about XXXX, 2022, I fell victim to two multi-layered scam operations run by XXXX and a company posing as XXXX  which involved me making deposits for a total amount of XXXX XXXX from my XXXX account to XXXX at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is scammer or is involved in potentially fraudulent activity. 
XXXX issued International Standards on Combating Money Laundering and the Financing of XXXX  and Proliferation ( the XXXX Recommendations ), aimed at setting minimum standards for action in different countries, to ensure that XXXX efforts are consistent internationally. 
There is a long-standing obligation upon financial institutions to have necessary procedures in place to ensure the detection and prevention of money-laundering, XXXX funding and other illegal activities. 
In this case, it is perfectly obvious that XXXX could have, and should have, utilised various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client owner of the wallet bellow was an active participant in the movement of my money, which eventually ended up with the Company, XXXX have not exercised their duties to identify this suspicions scheme in a timely manner. 
XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-04
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: Credit Karma (CA)

I observed that CREDIT KARMA has unlawfully placed over forty inquiries on my XXXX consumer report without any certifications of permissible purpose on file with XXXX, as lawfully required. What profits are being generated by CREDIT KARMA resulting from placing these inquiries on my consumer report? Within 15 days of this request of information and complaint, Im requesting that CREDIT KARMAs proper representative answer and submit to me the following : Provide that CREDIT KARMA has lawfully certified the permissible purpose for each and every inquiry placed on my XXXX consumer report. Provide to me the amounts gained from all securities that CREDIT KARMA ( and any Person and company on the behalf of CREDIT KARMA ) has profited from the use of my social security number and or other nonpublic personal information by providing accounting history as required under GAAP per the XXXX. NOTE : I am not asking for login information and reports, start dates or any other information for an account with CREDIT KARMA but rather the ledger for the accounting for gains, transfers and any date ( s ) securities were formed using my name, social security number and all other information that is pertinent to my identifiers. I am requesting this information within 21 days of this notice. As well, I am requesting that CREDIT KARMA pay me for each violation for placing these excessive inquiries on my consumer report for the maximum amount per inquiry, which is XXXX XXXX dollars per violation.
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (AL)

On or about XX/XX/2019, I purchased a used vehicle that was financed through Credit Acceptance. The vehicle was repossessed by Credit Acceptance during the COVID-19 National Disaster at which time I lost employment because of the World Wide Lockdown that affected my ability to pay anyone. I am a survivor of several positive COVID-19 test results. Credit Acceptance has failed to comply with UCC 9.506 as well as State XXXX and XXXX statutes. Credit Acceptance has filed a Civil lawsuit against me and continues to report inaccurate information to the Consumer Reporting Agencies.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, 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)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my Equifax credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 Thank you, XXXX XXXX
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (TX)

On XX/XX/2023 our property taxes were due and should of been paid through our XXXX account. These were not paid and still haven't been paid. The tax assessor office threatened to set an auction date for my house if they didn't get payment by XX/XX/XXXX. Since the mortgage company still hadn't paid through XXXX, I had to pay it myself. Here we are 3 weeks later and the mortgage company still hasn't paid me for the property taxes. I have the money just sitting in XXXX  and they won't get it together.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (WV)

I received a fairly large check from the state of Ohio for unemployment. I opened an account with XXXX and deposited my check only to have. A restriction put on my account and I went through XXXX days of saying they just needed to verify from Ohio that the check was from them after XXXX phone calls. They finally were able to verify I was told by a supervisor within XXXX minutes to hold will be released for my check, only to call in and be told it could take up to an hour hour goes by. I call in They tell me.they cant do it XXXX has already cashed the check they already verified. It was legit. I need my money. I cant wait. I dont wan na hold. Everything is legitimate, horrible customer treatment, and too many people telling me too many different things XXXX at the verge of loosing my house and need these funds
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my first 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. 
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Consumer complaint received 2023-05-29
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. (IA)

I have been a victim of fraud and i notice accounts on my credit report that i am not aware of. I have tried to reach out to 3 major credit beaureas and they wouldnt not help me with getting that information removed off my report.