davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Collections, LLC (CA)

I want to report multiple violations that Capital Collections LLC is committing to the Free Credit Reporting Act and to my rights as a consumer. 
Just to mention two serious violations, see below : 1. Incorrect last activity date 2. Post charge-off interest I am demanding this company to remove the item from my report and send me a deletion letter for my records. I am having psychological issues because of this situation. 

Please send the attached documents to Capital Collections LLC. 

Thank you so much.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XXXX, XXXX, and XXXX, I have paid {$1000.00} toward my only cc ( XXXX XXXX MasterCard ). I owed over XXXX on this card with a XXXX balance in which I barely used without being behind. I paid a total of {$3000.00} in less than a 30 period, which is now slightly over {$2600.00} as to be owed as of XXXX. Capital One is the only cc that can sink me or take my credit score to another level. I have no current collection or home loans that can hurt my credit status. However, I been thru this before with Equifax whereas they tend to go the opposite way when updating my credit score, and XXXX and XXXX  will go up ( in late XX/XX/2020 ). XXXX  went up XXXX ( XXXX XXXX XXXX ) and XXXX  ( XXXX XXXX XXXX  ) also went up XXXX. Equifax went down XXXX when all three credit bureaus were updated as of XXXX. No matter how much I pay on this card, Equifax is the only credit bureau that tends to decrease my credit score, not really motivating a user to pay off a debt. Once again, I need to know if Equifax is calculating and seeing all the payments being posted to my only cc, or just giving out a number to users thinking that we are not really concerned or watching their version of a credit score. What does it take for Equifax to investigate their software that calculates and gives out a false credit score to those that are paying more than the minimum payment in less than a 30 day period??? According to the other two credit bureaus, my score should be an average of 690+ and XXXX  for Equifax alone. I need Equifax to factor in my last 3 payments of {$1000.00} in less than a 30 day period and give me a realistic updated score of at least 695 please. CFPB, please investigate and reply back with status.
Consumer complaint received 2018-11-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION (TX)

XXXX  has been non-compliant with removing the unverified account PENTAGON FEDERAL CRE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PENTAGON FEDERAL CRE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Filed a dispute through XXXX XXXX which was partnered with Transunion. It was an account I was not aware of on my credit & I disputed that item. They have defaulted & have not honored the FCRA 30 Day rule which in turn they have to delete & remove that disputed item in question. Please enforce this. I have the date of when the dispute was submitted & evidence from XXXX XXXX of the submission & when they are supposed to be done.
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 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 2023-02-05
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 — Their investigation did not fix an error on your report
Company: HW Holding, Inc (SC)

I have a payment confirmation receipt from a debt collector, yet XXXX XXXX XXXX refuses to remove the paid balance from my XXXX XXXX report. This is the case even though I successfully disputed and was able to remove the collection from my standard credit report. Because of this, I lost money on an apartment application, and had extreme difficulty securing housing for myself and my family. 

Also, the debt collector involved, XXXX XXXX, whom I am also filing a complaint against is not licensed to collect debt in New Jersey, the state where the debt originated. They are also not licensed in my state of employment, New York, nor are they licensed in South Carolina, my current state of residence. This is according to XXXX.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX To Whom It May Concern, My bank has informed me that there is negative information reported by XXXX XXXX XXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing OVERDRAFTS and a CHARGE OFF amount of {$960.00} on XX/XX/XXXX. My bank has informed me that there is negative information reported by XXXX XXXX XXXXXXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing SUSPECTED FRAUD ACTIVITY and a CHARGE OFF amount of {$17.00} on XX/XX/XXXX. 
I have sent out several letters which two of them were Certified and did get a response that those negative items belong to me also know as VERIFIED. Which is not true. I have been a victim of an identity theft and did file a police report with XXXX XXXX, IL police department as soon as I found out about it. Report number will be attached with the rest of the documents. I am respectfully asking banks mentioned above to immediately remove that negative information from my ChexSystems report and clear up this matter. As they have now violated federal law, by not properly investigating within the required time frame, and I have evidence of such.
Consumer complaint received 2023-02-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I Have an open investigation due to identity theft from the XXXX data breach and they ( the CRA 's ) stated it will take 60 days to respond, however, the account is still reporting during the investigation time frame, this is currently reporting false information that is illegal and they are in violation AT THIS MOMENT. sure, take 60 days to respond, but this needs to be removed until they respond. The FRCA also states these items must be removed until they can verify the account or investigation is complete. 

These accounts are fraud and should be removed immediately.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX - Date of inquiry : XX/XX/2023
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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 2023-05-13
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. (NC)

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation (VA)

I apply for a loan. And I got less than what I apply for because they so told me that the previous loan they attached to it and added it up with the current amount. And told me that even though I apply for a certain amount. It goes against what was already old. However, I still have to pay the full amount on which I apply for and I think that that is wrong. If I didn't get that full amount. I shouldn't be having to pay for something that I did not receive. And they're making me pay an extended amount of money when I didn't get all of the money in which I pay for they're taking it off of a total that was already pre-existing and I think that that's wrong not a fact I know that that's wrong. Cause I should not owe one man financial as much money as I owe tXXXX  because I did not get that in en cash. They took off what I was able to get in there. Mine in their words and what I was able to get for the loan in other words. They said I was able to get {$13000.00} when it was all said and done. They added that they added it towards and took away from what I already had on my account there. 
And I don't think that that was right. In {$13000.00} it's not what I got nowhere near think. I borrow light probably in a sum of I want to say it was like XXXX or {$6000.00} saying I'll own {$13000.00}. From the collateral of my vehicle was put up, but they never gave me that much in cash. The first or the second time, it's left me owing a lot of money to you all. And I think that's unfair. And that loan will never be paid off. They got me owing a 120 %, that makes no sense.
Consumer complaint received 2022-10-03
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; RESIDENT VERIFY XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-13
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. (GA)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX  XXXX XXXX Balance : {$29000.00}
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

My Chase checking account was closed by the bank and they won't tell me the reason for it. And there XXXX still around XXXX $ In my account. And chase is not returning those money back to me, and they just keep saying the money is under review. But its been 4 months and they only send me a check with the amount of XXXX . I had almost XXXX dollar they only return me XXXX $!!!
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (VA)

The following loan below were taken over By XXXX yet both XXXX and Fed Loan Servicing are reporting them on my XXXX Credit Report. How is FedLoan Servicing still reporting these loans to XXXX when they are no longer the servicer of the loans? XXXX is currently reporting these loans to XXXX as well therefore I am showing double the obligation on my XXXX Credit Profile. 

FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$900.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$13000.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$23000.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$17000.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$740.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$13000.00} In good standing
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I made a large deposit via check at the counter inside the branch with funds received from escrow. After the deposit was completed, I was notified by the receipt that the funds would not be available until 14 days after the deposit. I contacted the bank to no avail. This account has never been overdrawn, and there is nothing suspicious about the check.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

We applied for a modification from Rushmore Loan Management Services, and we heard back from them, with an approval that we do not understand. 

The approval is asking for {$7000.00} down, we are fine with that. But our monthly payment would be {$3500.00}!!! 

We did not understand how is it that they think we could afford a monthly payment of {$3500.00}, cause we did NOT submit that kind of income to them, cause it simply does not exist. Our gross income is approx {$8500.00}, and our take home is way less than that. So there is no way our income could support a {$3500.00} monthly payment. 

We called in for it to be explained to us, as to where do they find that we can afford such a payment, and the agent we spoke with, could not explain. All he said was that the bank used the income we sent in, but thats a lie, cause we did not submit income of over {$10000.00}. So we actually have no answers and we are confused. 

Im guessing they may be trying to use rental income from a property thats being foreclosed on, with mortgage payment of {$1500.00}, and there are NO TENANTS! Property is being foreclosed on.
Consumer complaint received 2023-05-14
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, XXXX XXXX account XXXX XXXXXXXX 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 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-12-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

On XX/XX/2022 we had a fire that completely destroyed my shop and damaged the roof on my main house. My insurance company deemed the shop a total loss and {$13000.00} damage to the roof of the main house garage. I received the check that was endorsed and sent to my mortgage company, Freedom Mortgage. Since that time, Freedom Mortgage lost, XXXX has fought me every step of the way. I have sent in all the required forms the invoices for work completed by contractors, and they have not released any funds to pay the contractors that have completed work. The contractors will not sign a lien waiver without getting paid, every time XXXX contact Freedom Mortgage they add additional requirements to being able to draw funds. So far they have paid for a partial materials list and thats all the concrete is done and they have not paid for the concrete. Every phone call is never answered by the same person in communication is not the same with any one phone call. Additional requirements are added every time. We are trying to rebuild our shop and repair our house garage. I cant talk to a supervisor that can make a decision that has helped us at all. Please help get freedom, mortgage loss department cooperating with a client who merely wants to rebuild what was lost, but cant do it without funding.