davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

Why would the XXXX XXXX XXXX XXXX place me into a mitigation program when I have never been late on a mortgage payment? Because they intentionally created a late payment when the loan for the balloon payment was being processed, so they could place this account into mitigation and they would not have to go forward with a risky foreclosure on a XXXX year old, XXXX veteran. I have been a member with XXXX for 40 years. A first mortgage for 20 years and a second mortgage for 15 years with several credit cards and have never defaulted on any of my obligations. I have immaculate financial integrity. XXXX years ago, the XXXX representative talked me into a interest only loan, so bad they do not offer it anymore. It matured in XX/XX/2023. In XXXX I submitted an application to pay that loan off. With artificial qualifiers, they said I did not qualify ( I had already been paying that loan for 15 years ). They intentionally delayed their processing by asking for superfluous information, information they already had, claiming I owned a home that I didn't, failing to submit subordination paperwork to the XXXX causing the 2nd mortgage loan balloon payment to become due while they had control and custody of that loan. Then they submitted to the credit bureau a late mortgage payment, allowing them to put me into mitigation and prevents me from obtaining a mortgage loan from other lenders to pay off the XXXX loan. a perpetual interest only payment. I implored to the loan offer to correct their mistake, he refused. I contacted XXXX XXXX, on the Board of Directors and he took sides with an incomplete narrative, which lacked full disclosure, from his employee. I contend XXXX was unjust in submitting a late mortgage payment to the credit bureau when they had custody of that loan and had plenty of time to process new payments, which I can clearly afford to pay. Now, they have stolen {$210000.00} from me. The amount another mortgage loan company was at the cusp of approving until the credit bureau flagged my account. I can not pay off XXXX as long as I have a missed mortgage payment recorded with the credit bureau
Consumer complaint received 2023-05-10
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. (IN)

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX 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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

my information was sold and bought illegally because i was a victim of the equifax data breach. I want these items deleted from my credit reports immediately. I am attaching prrof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. please help me delete these illegal accounts from my credit report.
Consumer complaint received 2020-06-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Also, the creditor of this account, which is Bank of America confirmed that they DO NOT have any physical proof, a signed document with my signature on the account. Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and bank of America did not have even my SSN on records at the time of the application, which again, could have been ANYONE who applied in my name online. 

BOTH XXXX  and XXXX  DELETED IMMediatly the Bank of America account as Bank of america can't provide ANY evidence of this account belonging to me. 

Please finally delete this account, it as been impacting my credit and limiting my life.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (WA)

Recently, without prior notification, PenFed significantly reduced my credit limit from {$3500.00} to {$500.00}. This action was taken despite my history of on-time payments and my near payoff of the entire credit balance. Upon contacting PenFed 's customer service, I was informed that an adverse action letter was issued ; however, I have not yet received any such correspondence. The lack of transparency and inadequate communication regarding this decision has not only been inconvenient but has severely impacted my financial standing and credit score by increasing my credit utilization ratio unexpectedly.

Concerns of Discrimination : The decision to reduce my credit limit without a clear and justified reason, and without proper notification, raises concerns about potential discrimination. This is especially pertinent as no substantial change in my financial situation would warrant such action according to the usual business practices. I believe this action may have been influenced by factors that could be deemed discriminatory under the ECOA, which prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, or age in credit transactions. 

Impact : The reduction in credit limit has not only limited my access to credit but has unjustly damaged my credit score, affecting my ability to utilize credit resources effectively. As someone who has consistently demonstrated financial responsibility, this action feels discriminatory and undermines the trust I placed in PenFed as a financial institution.
Consumer complaint received 2022-06-06
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: JPMORGAN CHASE & CO. (LA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I fell delinquent on my mortgage as of XXXX of 2018. I called my mortgage company the month before in XXXX of 2018 and advised then I would need 1 payment put to the back of the loan as I was experiencing a hardship. The rep on the phone with my mortgage company advised they could not help me unless I was three payments behind and I would need to be three payments behind in order to qualify for any assistance they could provide. Once I did what I was instructed to do I applied for loss mitigation on my loan and to no avail I was immediately denied for any and all retention options. I have applied several times for loss mitigation and every time they deny my request. However I would not be in this situation if I never listened to the rep and was told to not make 3 consecutive payments. I have gone directly to my investor to open up a case as per the guidelines of XXXX XXXX they can make exceptions and they to are not interested in helping me at all and now want to foreclose on my home. The denial reason is bogus because they are not willing to reduce my interest rate to market rate which would automatically qualify my for a modification although they can reduce it. The investor is part of the issue as well as the servicer. The lenders are able to do whatever they please to homeowners and the CFPB does absolutely nothing to protect the consumers at all.
Consumer complaint received 2020-01-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CT)

I am complaining because when I got car it was used and they charged me high high interest rate and I'm almost done paying or I been paid alot I had the car since 2013 and it a XXXX XXXX and I'm paying XXXX and that's way to much to be paying the company or bank is Santander Bank and I feel like I'm being ripped off and they keep threatening me about repossessing my car when I been paying them and probley allready paid them off
Consumer complaint received 2020-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (OH)

My wallet was stolen. I checked my credit and saw an account on it. I contacted the debt collector and sent them all of the needed documents they requested. The agreed the debt was not mine but refuses to remove it off my credit report. They are basically holding my credit for ransom.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft, pursuant to section 605B, you must remove the fraudulent accounts and inquires reporting to my account. I'm suffering from punitive damages. I went directly to the company and was provided no relief.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I deposited {$1200.00} into my BBVA compass checking account via atm cash disposit. After inserting the bills and following most of the prompts, the atm froze. After about 8 minutes it read that my transaction was canceled and returned my card. My money wasnt in my account nor was it returned by the atm. I then called bbva customer service and let them know my situation. I was told it would be 10 business days before I would receive my money back as thats how long the investigation would take. I called last week on the XXXX and was told they had until the XXXX to return my money or issue me a temporary credit but that if I wanted my funds sooner to speak to the investigation department. Once transferred, I was informed by a manager of the investigation department that there were only liaisons between the investigators and the customer and had no control of funds being released. She instructed me to contact the branch manager of the atm location and gave me their phone number. When I called the branch the manager then told me after looking into my file that they had the wrong address on file that they had on file XXXX XXXX XXXX XXXX XXXX, FL XXXX United States, instead of XXXX XXXX XXXX XXXX. She told me that was the correct address for the branch whos atm I used. This morning XXXX XXXX ) I went to call compass customer service once again as my money still has yet to be returned and they are closed on weekends. After being on hold over and hour and transferred to multiple people who did not know what they were talking about. I got back in contact with the dispute department and she informed me that the investigation was trying to close my dispute and they hadnt even selected an address for the Location and were going to just code the dispute for lack of proper information. Now they are trying to make me wait another 15 days for my money
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

In accordance with the fair credit reporting act Capital One account has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-12-23
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. (IL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MD)

During XX/XX/2019, I researched the market for an interest-free credit for a specified time for those creditors with excellent XXXX   scores. Since my income exceeds {$110000.00} and my XXXX is around XXXX, I was surprised to receive a Discovery card with a {$1000.00} limit. Believing they made a mistake, I immediately contacted them and was informed I could reapply in three months for better terms. No explanation was given to the low limit. 
Outcome : canceled card via representative. 

It is clearing credit card discrimination based solely on my zipcode XXXX. Today, I am reaching out to XXXX XXXX ( Banking Committee ) and all state and federal agencies to report this card discrimination.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want this item deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal account from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. Amount {$3200.00}.
Consumer complaint received 2022-04-18
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. (IN)

In accordance to the federal credit act. Of 15 us 1681. These accounts were effected 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. Please delete immediately
Consumer complaint received 2023-05-10
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-06
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: CITIBANK, N.A. (TX)

On XX/XX/2019 I was charged {$230.00} in error from XXXX  XXXX XXXX XXXX. This stay was paid for via travel voicher # XXXX which cost me 50,000 XXXX XXXX Reward Points. In support of my dispute, I provided CItiBanik with evidence of the travel voucher being purchased on points, proof of the reservation being made on points, proof of the travel voucher being redeemed for the stay, evidence of the 50,000 points being subtracted from my XXXX Rewards Account, and a statement showing total amount due of XXXX dollars. 

Despite providing all of this I repeatedly received letters from Citi asking for the following : " A copy of the sales slip, invoice, receipt or advertisement proving the amount you should have been billed. Without proof, we may not be able to resolve this matter. I opened a dispute and provided " I provided a sales slip showing a XXXX balance, proof of payment via travel voucher and proof I should have been billed XXXX. I repeatedly sent in the requested documentation and was told repeatedly by Citi Dispute agents as well as managers, " oh yeah everything is there, they must have made a mistake. '' These calls are recorded in which Citi managers even state they see the oversite and that it was processed incorrectly. I'm more than happy to provide copies of these calls for Citi if needed. These agents would open a case and send it back to the investigator who would send me the same letter previously sent asking for documents already provided. 
Now that the deadline and all dispute rights have passed due to Citi 's error overlooking the submitted documents, Citi is stating they are unable to assist with the dispute because the merchant won't issue a credit. That's the whole reason dispute rights exist, for the times there are disputes when the merchant overbills and doesn't correct the error themselves. This case was never sent to MasterCard for mediation or handled correctly. 
Throughout the entire length of the dispute, Citi held me accountable for the purchase failing to issue conditional credits and charging interest on the charge in dispute as well as my entire statement because I did not pay the amount in dispute and it remained outstanding.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (MD)

I sent letters to the credit agencies asking them to verify the debt on my report in XX/XX/XXXX. They sent it back stating that everything is verified correctly. However my credit report is still showing and reporting inaccuracies. 15 USC 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. 15 USC 1681 ( B ) ( 2 ) - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 USC 6801 - It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.