davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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)

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. 


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 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 2023-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (VA)

I was charged XXXX times by the same check with return check fees to my navy federal account. in violation of the federal trade commision act, I should not have been charged XXXX single time for any low balance returned check fee because i even had overdraft protection on. It has been taken to my credit collections and effected my credit score illegaly
Consumer complaint received 2022-12-12
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. (SC)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 7 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 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AZ)

My husbands debit card was used without his permission for the following amounts : XX/XX/23 {$43.00} XX/XX/23 {$110.00} XX/XX/23 {$23.00} XX/XX/23 {$43.00} We filed a dispute with XXXX on XX/XX/23 and were issued a new card. That card was used without his permission for the following amounts : XX/XX/23 {$53.00} XX/XX/23 {$43.00} XX/XX/23 {$130.00} We filed a police report and another dispute explaining we thought someone had potentially taken his card without his knowledge but no matter what these were unauthorized charges. I was told my dispute was settled and no error was made because similar charges had been made within the last 90 days ( it was to a donut shop ). So apparently you cant have unauthorized charges to a place you ever go to. I was also told that it was a chip on chip transaction but as I explained, we suspected the card had been stolen. I have never had this much trouble getting my money back from an FDIC insured account.
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc. (AZ)

Valon Mortgage bought my loan at the end of XXXX. ( Loan # XXXX ) Without notice, they set up an escrow account and paid for liability insurance, which I had already paid. I never authorized an escrow account for this loan. I have been paying the mortgage on this loan for over thirty years without an escrow account. I have independently paid for my own insurance and taxes on the property throughout the time I have owned it. I was told today by Valon customer service that Valon paid for liability insurance on my property, and that it was a mistake. I was also told that Valon would carry a negative balance on my escrow account unless I help them get back the funds they sent to XXXX XXXX in error. Here 's my complaint : a ) I did not authorize an escrow account, but they opened one anyway ; b ) they made a mistake by paying for an insurance policy that I already carried ; c ) they will not fix their mistake, but require action from me to help them receive their funds back. I should also note that the insurance they purchased was from XXXX XXXX, the very insurance carrier I have used for decades to cover the property connected to this loan.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2020 I called Chase Credit Card Analysts to request a credit limit increase where I was instructed I could make the request " online ''. Upon logging into my account and searching for instructions how. It appears I can not make the request " online '' with Chase. Screenshots will be listed below to show this. Call was made at XXXX EST
Consumer complaint received 2020-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

Problem with how Kia Auto finance manage consumer loan payment. 
Bought new XXXX XXXX in XX/XX/XXXX. 
First payment due was XX/XX/XXXX. Set up auto debit in XX/XX/XXXX to be deducted from our checking. 
Payment was also deducted on XX/XX/XXXX ( XX/XX/XXXX was Sunday ). 
The problem start with XX/XX/XXXX payment. There is no debit from our bank, checked on XX/XX/XXXX on Kia Auto finance website, said that it was 1 day past due, tried to call company but line not available. 
Call back on XX/XX/XXXX, was told that their system was down, when asked why they did not put transaction through second time since we have auto debit set up, The rep was not able to give any explanation. He kept saying that if I paid over the phone, he would waive transaction fee.??? 
My issue is that 1. If there are auto debit in place, regardless of what happen on their end, why they did not put through transaction again. What is the point of setting up auto debit?? I decided that I am canceling auto debit. I will handle payment myself 2. Today is XX/XX/XXXX. Kia took out payment for XXXX and XXXX payment. Why 2 months since the payment due for XX/XX/XXXXis only for 1 pay and I was not late with my payment. 
3. When asked rep, how I would be assured that this issue would not be happening again, there were no answers .... I think this is unacceptable and a better solution needed to be putting in place in company policy. 
4. I want to send this whoever in charge of this company that I will never buy XXXX vehicles again. There are many options out there and if this is how they handle the payment then this is not for me. I will also not recommend This company to anyone.
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This complaint is a follow-up complaint to CFPB complaint # XXXX due to the inaction and lack of communication by HSBC. HSBC ( XXXX XXXX ) responded on XX/XX/2020 requesting that I provide the local authorities ( XXXX XXXX police department ) with the information about the occupants ' identities in the rental property of where the mail containing my debit card stolen. XXXX said that once the police report has been updated with that info, the investigation can continue with an " expeditious conclusion. '' On that same day ( XX/XX/2020 ), later in the afternoon, I went immediately to the XXXX XXXX police department to submit a supplemental report, which I also took pictures of. Those pictures I attached to an email I sent to XXXX XXXX on XX/XX/2020 to update her on what I have done on my end. I had to make several calls before XXXX finally got back to me on XX/XX/2020 that she has sent the additional information to the " Fraud team. '' On XX/XX/2020 I sent another email to XXXX to receive an update on the progress of the investigation, since I have not gotten any updates beforehand, nor any call backs from previous calls. Since that email on XX/XX/2020 I have made a couple more calls with, again, no call backs or responses from HSBC. I had notified in my latest voicemail that I will be filing yet another CFPB complaint because as I have mentioned in the previous complaint, HSBC is absolutely not moving towards an " expeditious conclusion '' and wants to drain my account dry with the exorbitant maintenance fees, leaving my current balance as of XX/XX/2020 to be {$38.00}.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Loan No. XXXX Mr. Cooper Mortgage Company : Nationstar Mortgage dba Mr. Cooper XXXX XXXX XXXX XXXX XXXX Texas XXXX Account Number : XXXX ( XXXX ) XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Hardship Letter To Whom It May Concern : I am writing this letter to request a modification of my mortgage. I fell behind due to loss of income and although I now have income sufficient to make a payment, I can not pay the past due amount. This causes a problem, as Mr. Cooper will not accept a payment unless I pay all of my arrears. 

I am hoping you will help me family save our home by giving me a modification so I can honor my obligation and begin making payment as soon as possible. 

Thank you! 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (MI)

They have increased my monthly payments of {$50.00} to {$160.00} per month for no reason. My balance is {$1500.00}. There is no way any company can justify ripping off a customer this way this is horrible what they are doing it needs to stop and they need to be sanctioned for it. Also they did not cancel a charge to my account that I did not make some person from Arkansas made for {$17.00}. They still haven't done anything about that at all. Seems like their customers are just foder for theives to cash in on and get away with it. I think they need to be investigated for this nonsense.
Consumer complaint received 2023-12-28
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS 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 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, 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 the information is inaccurate
Consumer complaint received 2023-06-21
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] Subject : Dispute of Account Closure and Reversals Dear Sir/Madam, I, XXXX XXXX XXXX am writing to bring to your attention a matter of concern regarding my accounts with Chase and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number, not available, open date is XX/XX/XXXX close date XXXX XXXX social on account is XXXX. Account number XXXX ( opened on XX/XX/XXXX ) and account number XXXX ( opened on XX/XX/XXXX ). I have recently discovered that my accounts have been closed due to several reversals through AutoPay. I would like to provide additional information and dispute the closure of my accounts based on the provisions outlined in the Penal Law 15 U.S.C. 1681, Section 6048, Section 2, and Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ). 

Firstly, I would like to emphasize that I, XXXX XXXX, have always been diligent in making timely payments towards my accounts. However, there were instances where three payments made through AutoPay were reversed. I would like to clarify that these reversals were promptly addressed by making the necessary payments on the following date, which ensured that my payments were ultimately successful.

I strongly believe that the closure of my accounts based on these reversals is unjustified. Penal Law 15 U.S.C. 1681, Section 6048, Section 2, protects consumers rights by ensuring fair and accurate credit reporting practices. Furthermore, Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ) grants consumers the right to dispute any inaccurate or unfair information present on their credit reports. 

Considering the aforementioned legal provisions and my consistent adherence to timely payments, I, XXXX XXXX, kindly request your immediate attention to rectify this matter. I urge you to thoroughly investigate the circumstances surrounding the reversals and the subsequent closure of my accounts with Chase. I request that you update my credit report accordingly to reflect my accurate and responsible payment history. 

Enclosed with this letter, please find copies of relevant documents supporting my claim, including bank statements and payment records that validate my consistent and timely payments, except for the reversals mentioned. 

I, XXXX XXXX, sincerely hope that you will address this matter promptly and take the necessary steps to correct any inaccuracies in my credit report. I kindly request written confirmation of the actions taken to resolve this dispute. 

Thank you for your time and attention to this matter. I trust that you will handle this dispute with the utmost professionalism and urgency it deserves. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (DC)

On XX/XX/2023, I attempted to log into my account in order to pay off this loan. However when I attempted to log in my account was locked out, and a password reset did not work. I followed the companies instructions and first attempted an online chat and then sent an email. 

My email traffic was unrequited, and I finally got in touch with a person on the phone on XX/XX/2023, and was informed by the person on the phone that they refused to accept any payment from me unless I forwarded a bank statement. They said only a manager could take this payment and they would call me in 1 to 2 days. No emails were returned and no phone calls wherever made to me. 

Everyday that I was not allowed to make a payment caused a financial impact as the interest rate of this loan is extremely high. This delay tactic, without explanation caused a significant amount of interest to accrue.
Consumer complaint received 2019-11-25
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. (SC)

XX/XX/2019 XXXX XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Consumer complaint received 2023-05-10
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. (CT)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-08
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. (IL)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2020-12-29
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: CREDIT ACCEPTANCE CORPORATION (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CREDIT ACCEPTANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-01-06
Product: Credit card or prepaid 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 (WA)

I used an Access Check for a 0 % offer on my Bank of America Alaska XXXX card for {$2100.00}, which posted to the account on XX/XX/XXXX. I paid a 3 % fee as promoted. A scan of their access checks & its language ( front & back ) is attached. No where does it state that B of A will start charging me interest on my regular purchases from the date of the access check. Usually one has a free month to pay the credit card bill. I pay off my purchases each month. 

The credit card bill for XXXX XXXX arrived. It did not show a minimum payment for just the Access Check amount. I called B of A Customer Service to ask about this and was told by two people that there is one minimum covering both purchases and Access Check amounts and that B of A was charging their standard 18.49 % on purchases from the date the Access Check posted. The statement does not CLEARLY state this and the language on the Access Check does not, either. I pay off my purchases each month and wanted to pay a minimum on the access check each month. 

I would not have used the Access Check has I known that B of A would start charging me on my purchases and take away my free month to pay. 

This is very misleading and unethical marketing. I scrounged around and paid off the whole balance to be rid of these people. I would like you to pursue this unethical marketing.
Consumer complaint received 2020-03-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account.