davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
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. (MA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights of privacy. 
1 ) XXXX XXXX XXXX -Acct # XXXX 2 ) XXXX -Acct # XXXX. 3 ) XXXX XXXX Acct # XXXX 4 ) XXXX -Acct # XXXX. 

15 U.S.C. 1681 Section 602 A. States I have a 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 reporting 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 2024-02-20
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-22
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. (MI)

I have mailed letters to The Department Of Education Default Resolutions Center as well as XXXX demanding verification of the information they are reporting on their platform. The account does not belong to me and they have not proven it to me. I have given the companies a 30 day response time. 

Regarding two XXXX XXXX accounts disbursed in XX/XX/XXXX, I have no knowledge of these accounts and does not belong to me and have therefore asked for this information to be deleted immediately.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2022, TD Bank allowed {$320.00} to be taken directly out of my bank account although I do not currently have an account with XXXX and have not over the past year. XXXX XXXXXXXX  has not provided me with any products or services to allow this withdrawal. I have tried multiple times to resolve this, with XXXX  representatives assuring me I would receive a refund. However, each time, representatives continue to push back the refund date and do not provide any substantive help, even providing fake names. This money was not only my entire paycheck for two weeks, but also over-drafted my account by $ XXXX. I contacted TD Bank as I filed for fraud when this unauthorized withdrawal occurred and they refunded me. However, on XX/XX/2022 the bank withdrew a reverse provisional credit from my account without my permission and left me with an overdraft amount. When I contacted the financial institution, they responded by telling me the only thing they can do is file a dispute which they stated will not be approved. I have still not received a refund from either TD bank or XXXX XXXX. TD bank took my money and gave it to a company without my authorization. As a result, I can not pay my bills or even afford adequate food for my family. I am a single mother and this income is essential so I can care for my daughter.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In Accordance With The Fair Credit reporting Act XXXX  Account # XXXX, Has Vioated My Rights.

15 USC 1681 Section 602 States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish a account without My Written Instrustions.

15 USC 1666b : A Creditor May Not Treat a Payment On A Credit Card Account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I had a mortgage loan with chase that was originally XXXX of the toxic loans from Washington Mutual. I applied for a loan modification from Chase XXXX times. The last time, I started the process in XXXX, the Customer Assistance Specialist kept asking me for more and more papers, and never sent anything to underwriting, finally at the end of XXXX, they sent it to underwriting and the loan was sold to XXXX. It appears a decision was about to be made and everything stop ... Chase told me that XXXX would continue with the information Chase had given them, but that is not true ... I was told by XXXX that I would have to start all over and provide all information again. 
Chase never notified me of the sale and the Customer Assistance Specialist did n't know that the loan was sold. When I called Chase today they gave me the info. 
I feel that a decision would have been reached by Chaseif all my info had been sent to underwriting in a timely mannner and the Customer Assistance Specialist was negligent in getting my info to them. She just kept delaying and delaying.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (PA)

Discover closed my credit account effective immediately and without an reasonable explanation. The only reason in the emailed message is " business decision '', but no further explanations. I feel this is very rude. I own this card for about 6 years and I used it daily and regularly and always paid balance on time.
Consumer complaint received 2022-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2022-05-17
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 XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, 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 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-14
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)

XXXX, Equifax or XXXX are neither complying with their own policies in a timely manner. 
I have made several attempts to contact via phone and mail and incorrect information is still being reported on my credit report. I have not received any information validating the information.
Consumer complaint received 2015-11-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

On Thursday XXXX XXXX I entered a Chase branch @ XXXX XXXX XXXX New York, XXXX XXXX to make a withdraw from my checking account due a an employer account issue that impeded with a direct deposit not been issued at that date.At which time XXXX checked his terminal and stated that I would qualify for a credit card offer I did stated to him that I had a bankruptcy case XX/XX/XXXX. He still proceded to go ahead with the application. He got the result of my application and stated that I will get a letter in 7-10 days.i received the letter XX/XX/XXXX account declined credit due to Bankurupcy in credit report.THIS IS THE THIRD TIME IN AS MANY YEARS I FELL FOR CHASE HIGH PITCH SELLS TACTICS. I been a Chase Direct deposit ( payroll ) for well over five years.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my complaint about the erroneous account information that was registered on my credit report. This inaccurate information has breached my privacy rights and my right to confidentiality as laid out in the Fair Credit Reporting Act. According to the act, the list of accounts below has infringed upon my federally safeguarded consumer rights to privacy and confidentiality stipulated in 15 USC 1681. 

XXXX XXXX : XXXX XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) must have reasonable procedures in place to ensure that the information they provide to third parties is accurate and up-to-date. Additionally, 15 U.S.C 1681 Section 602 A states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 states that a CRA can not furnish an account without my written instructions, and 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no CRA may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (AZ)

My name is XXXX XXXX & earlier this year in XX/XX/2022 someone walked in a few branches in Arizona and withdrew almost XXXX from my US BANK checking account. I reported this fraud immediately and sent in everything the bank asked for. I sent in all my documents, State ID, police report. I mean I literally did everything I was asked to do. XX/XX/XXXX I call in to the fraud liaison department and I was told that my claim was approved and that there was XXXX in my savings account. Then the next day my account was frozen and the claim was reversed. I waited 3 long months to get my money back from this bank just for them to basically tease me with my OWN money. On top of that they sent me mail with my ENTIRE debit card number where my name should be addressed which I will include in a screenshot with this text. Why this bank refuses to protect me even when sending me mail is literally beyond me. I am on the verge of filing a lawsuit with US Bank if they cant get this one right. The mail carrier is probably so confused because shes delivering mail with a XXXX digit credit card number to my mailbox instead of my first and last name. Ive never been treated so unfairly by a bank and to let someone walk in 6 branches and withdraw my money just ices the cake for me. I need US BANK to make this right because at this point I feel as if Im being harassed with mail coming to my address addressed with my XXXX digit card number. I want my XXXX back. Why my claim was approved and then denied is crazy to me. By the way the piece of mail that the XXXX digit card number was on ; inside of it was my PIN number to my new debit card. This bank literally wants me to get robbed of my money again doing things like this. This is so hurtful.
Consumer complaint received 2020-02-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PDQ Check Exchange LC (NC)

This payday loan company notified me that a warrant for my arrest. And suggested that I call them to make payment arrangements. This is in violation of FDCPA. I do not recall ever obtaining a payday loan from Mr. money. I dont even use my maiden name anymore. Its been changed since 2010.
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

This is a follow up on a complaint I filed on XX/XX/2022 ( XXXX ) that is still not resolved. PHH Mortgage has failed to refund my escrow account. An initial refund check was lost in the mail. The company sent a second check which I have never received. With the previous complaint to the CFPB, PHH sent me a copy of the cashed checked. Upon examining the check, I took extreme note OF A NAME I HAVE NEVER HEARD NOR SEEN as an " OR '' on the check ( see attachment ). " XXXX XXXX XXXX '' is not someone I know nor is someone I have ever authorized to received monies for me. There is VERY clearly fraud going on here, so it is ASTOUNDING to me that PHH continues to flick this away. There is very clearly some type of security breach in their mailing system that is in fact defrauding people. I would very much encourage someone forward this complaint to XXXX 's legal department for review. This is extremely serious and frankly not just unfair, however blatantly illegal and fraudulent.
Consumer complaint received 2022-05-17
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. (NJ)

In Accordance with the Fair Credit Reporting Act Convergent : XXXX  XXXX XXXX  NA, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXXXXXX XXXX  Account XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In Accordance with the Fair Credit Reporting Act XXXX  : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX Has violated my

rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I've sent Equifax and XXXX letters asking them to delete the inaccurate information they are reporting on my report, but they completely ignored me. They continue to report the inaccurate information on my credit reports which have caused me to be denied credit.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NM)

I applied for and got a home equity loan with XXXX XXXX on my house in XXXX. Interest rate 3 %. I rec 'd {$25000.00}. home equity loan, 25 % of {$80000.00}. I have an addition being built but XXXX said the appraisal would just apply to the existing structure and simply exclude the new/unfinished addition. Appraisal came in at {$26000.00}. 

At the same time, because XXXX seemed slow, I started talking to Rocket Mortgage. They said they couldn't take a loan out because I had an new/unfinished addition. 

Forward to the present. I got an email from Rocket Mortgage saying I could get a loan for {$20000.00}. In the process of inquiring about this I was offered a cash out loan of 80 % of equity ; {$4000.00}. Now Rocket said the addition didn't matter. The appraisal would cover total value including the unfinished addition. 

I spoke with XXXX about this and they seemed interested in a competitive loan proposal. I said no I was too deep in with Rocket and it wouldn't make that much difference. 

Rockets appraisal came in at {$260000.00}. - same as XXXX 's 6- 7 months ago. I closed yesterday on this loan at 4.875 %. New/unfinished addition still not finished My question is this : Why wasn't I offered this cash out option by either of these companies back in XXXX of 2021 when interest rates were at 3 %? The condition of the addition and house had/has not changed, just the way they addressed it. Does willingness to lend have something to do with interest rates? 

Why do I feel these options should have been offered when rates were at 3 %.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (TX)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX XXXX XXXX XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.