davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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. (TX)

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.

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 inructions 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 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/year> PenFed ( Pentagon Federal Credit Union ) sold my debt to a collection agency. I have tried to no avail to obtain a letter from PenFed confirming that they have no interest in the debt. However, PenFed is claiming that there is a {$42000.00} debt remaining after the debt was sold. It seems that PenFed is accepting money from the collection agencies while attempting to collect from the consumer as well. 

This is fraud, they are doubling dipping.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I am filing another complaint. Even though I spent hours working with Bank of America by overpaying, setting up an earlier auto pay date. They Are still charging me late fees. Nothing I do is fixing the situation. They are defrauding me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. Upon reviewing again my TransUnion credit report, I can still see unauthorized inquiries that I was requesting to get deleted. I kindly request the deletion and blocking of these items that do not belong to me within the next 24 hours.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (NC)

The following 3 Credit Bureaus XXXX, Equifax and XXXX stated that the {$65000.00} was the correct amount on my credit report however it was paid in full on XX/XX/2023. I need this paid in full letter corrected on my credit report because I m trying to land a major goverrment contract position which requires a full financial disclosure. Please investigate and authorize the 3 credit bureaus to correct my credit report as soon as possible.
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Harley Davidson Financial Services Inc (MN)

I am delinquent on my motorcycle payment so have decided to surrender it at my own discretion I have also been in contact with the repo agent and set things up for him to take possession of the bike he stated in a txt message that he wasnt going to meet me because Harley Davidson had charged the account off already and now the financial company wants me to drive down there again and surrender it It has cost me XXXX dollars each time I travel there and back they also continue to do hard inquiries on my credit when its already stated that I was surrendering the motorcycle this is a gross act of service
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

Origination Charges on my Loan Estimate continue to change as we get closer to a closing date. I agreed on the initial purchase contract that our interest rate would be locked at XXXX XXXX and XXXX XXXX in discount points. Now as we get closer to closing date, it seems like they continue to increase my origination charges without advising me in any way. This is with Rocket Mortgage and here is the most recent email I sent them over : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Can I get confirmation on the final loan estimate. 

XX/XX/2023 : Origination charges POINTS were XXXX XXXX {$8200.00} XX/XX/2023 : Origination charges POINTS were XXXX XXXX {$9200.00} XX/XX/2023 : Origination charges POINTS were XXXX XXXX XXXX Why are my origination charges increasing as we get closer to closing date? I agreed to the first loan estimate and we locked XXXX XXXX and never agreed to pay any additional points on this loan or was advised that the cost to underwrite this loan will continue to go up. It's very offputting that Section A ( origination charges ) continues to change as we near the closing date and an additional XXXX is being requested 5 days before closing. 

This also appears to violate compliance and an issue to be reported to the Consumer Financial Protection Bureau. Please advise with the correct Loan Estimate document, so I can sign and we can move forward.
Consumer complaint received 2023-03-07
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. (TX)

This is a complaint with Transunion. I called and spoke to a lady XX/XX/2023 @ XXXX XXXX XXXX. She would not help me get through to someone about my credit file with them. She stated I have mixed information on my file and is generating a ticket. I asked for her supervisor and she hung up on me. I do not feel a major credit company as transunion should be allowed to operate like this. My personal information was verified and they cant fix whatever is inaccurate or mixed up. That is insane and honestly a bit scary.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (WA)

In XX/XX/XXXX I updated my address with Schwab on my High Yield Investor Checking account. This involved at least two steps with me making the request, then verifying that Im account holder and wanting to make the address change. I have since then received account documents from Schwab at my current-as-of-XXXX XXXX address. 

Then in XX/XX/XXXX the Visa debit card associated with referenced account expired without me having received a replacement card. So, I contacted Schwab by chatbot on or around XX/XX/XXXX and they confirmed by email they would send a new Visa debit card to my current -- as-of-XXXX XXXX address. This email included my current -XXXX XXXX XXXX address and no prior addresses of mine or other mailing addresses.

When I hadnt yet received my Visa debit card at my current -- as-of-XXXX XXXX address by XX/XX/XXXX, I called Schwab at about XXXX XXXX and a Schwab rep confirmed that I had changed my address with Schwab but that Visa had sent both your replacement cards to your old address. The rep said that neither card had been activated and that a third replacement card would be sent to my current -- as-of-XXXX XXXX address. 

So, Im very concerned about security practices at Schwab. And I want to know what other documents or materials from any account I hold with Schwab or any of its affiliates has it sent since I confirmed my current -- as-of-XXXX XXXX address to any old  address of mine.
Consumer complaint received 2023-03-08
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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 inquiries : XXXX - Date of inquiry : XXXX XXXX XXXX -Date of inquiry : XXXX
Consumer complaint received 2023-07-11
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: DISCOVER BANK (NY)

Loan are up to date for the past 11 months and credit reports shows 90 day past so and affixing my FICA score and ability to refinance the loans
Consumer complaint received 2023-07-10
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. (FL)

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX  Acct # - XXXX XXXX Acct # - XXXX XXXX XXXX # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX # - XXXX XXXX  Acct # - XXXX XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX # - XXXX XXXX XXXXt XXXX - XXXX XXXX XXXX XXXX  Acct XXXX - XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # - XXXX XXXX XXXX  Acct # - XXXX XXXX  Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GRB Law (PA)

GRB Law and the city of XXXX, PA I pay the city of XXXX all back taxes but the city sold my account to GRB LAW and they want me to pay them. 
This will be twice i pay the city know the collection agency GRB want me to pay them. I never had a contract with them and how did they get my data. On XX/XX/XXXX the XXXX XXXX refuse to hear me and gave me a order to pay the collection agency {$3000.00} this bill is pay in full and the collection agency are threatening me to put my house up for sale.
Consumer complaint received 2023-03-02
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Mortgage Acct # 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX ACCOUNT # XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score.

I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law.

Who did you speak to?

License number?

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-20
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. (NJ)

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are all reporting charged off accounts when charge offs are considered income I do not consent to have any of my income being reported unlawfully to any third-party credit bureaus. 

Should any credit bureaus decide to not immediately remove these accounts I intend to Sue them for damages directly for the violation of my privacy. Please see attached JS 44 Form Civil Cover Sheet that I am fully prepare to process should you not honor my request.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I was told when I deposited my work check that I would have my funds available that following Friday, my boss called and cleared my check as well as the payroll provider, chase is being very unfair, Im going though a very tough time and Im going on a full week without my hard earned funds, Ive done everything I could do but they are saying they will release XXXX XXXX which is totally not fair at all
Consumer complaint received 2023-03-02
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. (FL)

I demand that all the COLLECTION listed to be removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that these COLLECTION are immediately removed upon receiving this complaint. If they are not removed within 7 days I will take further legal action.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I lost my wallet and phone at a XXXX XXXX XXXX XXXX. I didnt notice until it was too late and had over 22 charges totaling over XXXXXXXX XXXX. I called Wells Fargo and they cancelled my card and said they will be investigating but to call back after they are done pending to get a provisional credit. I called back and they issued be one XXXX XXXX provincial credit and said they others werent posted yet so Id have to call back again. So I waited and called them back when all the transactions were posted. They then informed me that the lady before that gave me the XXXXXXXX XXXX provisional credit shouldnt have gave it to me and that I had to wait 10 business days to get an answer. I called Friday on the XXXX XXXX XXXX exactly 10 business days and they told me that I would get a call by the end of the day about my claim. It is now Monday the XXXX and I didnt get a call back so called them again. They kept on giving me the run around saying that they will escalate the claim and that I should Have an answer by the end of the day today. Also one of the ladies there said since I already gotten an accidental provisional credit of XXXX XXXX that now it extends the timeframe to 90 days which I dont know how true that is or not.
Consumer complaint received 2023-03-02
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)

Please be advised this is my SECOND WRITTEN REQUEST. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) XXXX XXXX
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I have a problem with Wells Fargo I issued a complaint last month but apparently, I had the wrong date. It was actually XXXX XX/XX/2012. I had just returned home from the hospital after an illness on XXXX XXXX,2012. The morning of XX/XX/XXXX I went online to check the status of my checking account & noticed that my checking account was empty. The bank had allowed XXXX to withdraw approximately {$1000.00} which was part of my social security. I was also charged {$100.00} for this service. Wells Fargo notified me that XXXX tried to withdraw an additional {$400.00} but they refused to do that. I want to know why they gave my money to XXXX on one occasion but not the other time. I was under the impression that only the IRS could take my money. I wasn`t aware of cfpb until my son told me last month. I appreciate your help in solving this problem. Thanking you in advance. Sincerely, XXXX XXXX