davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I have a mortgage with XXXX, DMI my escrow account got messed up and home insurance did as well. I got granted forbearance XXXX, then started working with loss mitigation XX/XX/22 when I got my first packet. I been actively working to get everything to them and no communication from DMI or loss mitigation after 10 phone calls I finally contacted someone on XX/XX/22. Told they have everything and that would escalate to help avoid foreclosure. Dual tracking has occurred and I have been working with a HUD approved counselor to get everything working. However foreclosure has commenced while Im actively working with loss mitigation, Im trying to avoid foreclosure and help prevent others from experiencing this.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX account # XXXX and XXXX XXXX  XXXX account XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act AD 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I purchased a {$1000.00} money order from USPS. I did not need it so I deposited into my CHASE account VIA ATM machine. On XXXX it cleared ( or so I  thought ) and for the entire day my account was in positive status. At XXXX I get an email stating my account was - {$270.00}. They wiped out all of my money in my account. When I contacted them they said it wasn't THEIR fault, it was the fault of the USPS, that REFUSED payment. When I called USPS they informed me that the money order was NEVER presented for payment, and wherever it is its still a viable MO. My theory is that CHASE presented the MO with the wrong serial number or did something in ERROR and I am paying for it as the customer. They are closing my account, and USPS has told me that since they wont give the MO back ( only provides a legal copy ) they would have to do a 60 day inquiry in order to see why this happened before refunding my money. I have been to CHASE branches, where the employees are more than helpful, but cant do anything because " the return process has started. '' I am in a hellish nightmare, cant eat cant sleep had to stop my direct deposit, borrow money, and even facing eviction, and can't believe this is happening to me. The worse part is them saying USPS refused payment.I feel I was profiled for depositing the MO in the ATM. CHASE felt that a XXXX year old grandmother with the zip code in an urban area shouldn't have {$1000.00} and something must be fishy, so just give it back. They won't admit they're wrong, won't help me, has spoken to me horribly on the phone, BRANDED ME A CRIMINAL, all this while me and my family suffer. I am BEYOND devastated by this. Even the employees I have spoken to by going to the branches have tried their best to help me by scanning their fraud department my receipts making calls to help and they are turned away. THEY have even said THIS IS WRONG. I am at my wits end with this institution unwilling to admit their mistake and PROFILING me ... PLEASE HELP ME
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX  Act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-22
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. (ND)

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 : XXXXXXXX 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 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 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 2022-03-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NJ)

I went to purchase a car at XXXX XXXX of XXXX. Im a military soldier and I make {$23000.00} a year. The salesman falsified my salary on the credit application to get me approved. They told me my payments would be one amount. It wasnt until I showed the paperwork to my mother & Sergant. That the payment was a different amount. I tried to return the vehicle two days later and the dealership would not accept it back. Im currently in contact with Chrysler Capital and explained everything to them also. They are not being very helpful in this matter. And this bank is known for taking advantage of military soldiers.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-09-01
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)

I have requested the production of documents from all 3 major credit reporting agencies for a legal hearing concerning my identity theft and reported fraud since XXXX/XXXX. I again tried to fax the requests but all 3 fax numbers are returned by my paid fax service fax plus AS NO ANSWER. I have written to each of them and called to having a experian phone rep tell me that my XX/XX/XXXX credit info is no longer available since I disputed most of it. This is when my nightmare of fraud and identity theft was revealed again since reporting it in XXXX & XXXX to all 3. Confirmed by the office of the comptroller for currency in XX/XX/XXXX. I have identity theft recorded at the federal trade commission. I need these documents sent to me at that earliest convenience to XXXX XXXX XXXX XXXX nc XXXX XXXX Date of birth XX/XX/XXXX Thank you I need all of my XX/XX/XXXX Reports from each # 2 a current credit report on file # 3 a copy of my XXXX/XXXX when I reported fraud and identity theft.
Consumer complaint received 2023-03-22
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. (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 : 1. Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account ID : 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 2022-02-24
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. (CA)

Equifax has violated FTC rule of 30 days to investigate the claim. They have responded with a result that they have investigated the claim. however they have not investigated the claim at all. A credit inquire i requested investigation from equifax was never investigated and 24 hours after the request they responded that it was verified.

the example above just one of the cases when they did not take the request to investigate seriously,
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

Hello, Earlier this morning I applied for the HSBC Cash Rewards Mastercard. I got to the Authentication Interview and, after answering the questions successfully, the application pended for further review ( I'm guessing somehow one or more questions were wrong/XXXX has not been fully verified? ).

I just called HSBC and got to an agent named XXXX to get the matter resolved ( I believe overseas ) who advised me that I would have to wait up to 21 days for the final decision. The call took place at approximately XXXX XXXX EST on XX/XX/18. Instead of clearing XXXX with me over the phone or advising me of what I need to send in, he told me that I just have to wait, which is unacceptable. I am looking to use the card sooner rather than later with holiday shopping, and I do not want to wait 21 days. I also thought the rep was very rude. I even advised him that I would be submitting this complaint if we kept going in circles and he didn't care. Then, at XXXX XXXX a manager called me back, apologized, but reiterated there is nothing that can be done, so I reluctantly gave up and just decided to submit this complaint. 

I'd like to have this application reviewed as soon as possible. I understand that there is a log of apps in your pipeline, but when a prospective customer calls in and advises of extenuating circumstances/stresses the need for a more immediate review, the answer should not be " tough ''.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-07
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. (CA)

A loan from XXXX XXXX & XXXX is on my Equifax credit report. First I have never missed a payment, and second it still is being reported as open when the account shows a {$0.00} balance. The account should be closed and the accurate payment history should be reflected.
Consumer complaint received 2018-11-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted several disputes with the credit bureau for validation of alleged accounts as the Bureau reports that they supposedly belong to me.

These accounts are reporting negatively on my credit report. I initially started the dispute with this Bureau on XX/XX/2017 via certified mail and I have submitted a dispute every 31-35 days asking for them to provide documentation that validates these alleged accounts. In each dispute attempt I specifically asked the Bureau to provide me the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The Bureau keeps saying the account is verified, but never produced any of the information requested.

I am quite displeased with the false reporting, and Bureaus verification method which is faulty and even when specific information is requested ; as supported by law, the bureaus that still insist on violating the law and our rights. This Bureau is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have written and faxed over documentation to the major three credit bureaus regarding addresses on my report that are incorrect, and the information was not removed as I requested. I have been at my current address for over 10 years. Please contact the bureaus about this request. The bureaus are supposed to report accurate information and in this case they are not. 

Thank You
Consumer complaint received 2019-09-03
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: SYNCHRONY FINANCIAL (CA)

Fraudulent account has been disputed on several occasions and creditor refuses to removal this account. I have requested on several occasions that the Identification and application submitted to open this account be forwarded to me. This has not happened. In previous disputes the creditor has sent me billing statements. This does not constitute proof. I am not disputing whether the account exist. Im not the liable party and the account needs to be removed off my credit report immediately. The creditor has asked me to send in more documentation when the burden of proof is not on the consumer. If this account is being " verified '' when its disputed, the creditor should have proof of who opened this account. There should be a copy of the application with my personal information on it as well as the identification used to open this account. It doesnt exist. REMOVE THIS ACCOUNT
Consumer complaint received 2018-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Relief Center (NY)

I received a letter from the Debt Relief Center stating it was an important second notice to help alleviate my credit card balance of {$29000.00} for a pay off amount of {$14000.00}. The letter is very deceiving in that it makes it look like I have {$29000.00} in credit card debt. There is no way this company would know how much debt I truly owe, I have strict credit monitors in place through the one credit card company I use and my current balance to them is less  than {$250.00}. I have no other open credit cards and have not been notified by my credit card company that any new inquiries have been done on my credit report. I can supply a copy of this letter to you and fear that someone not educated about their credit like I am will be taken advantage of
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (PA)

On XX/XX/XXXX a check made out to Me from a XXXX XXXX auto group account at Key Bank was deposited into a XXXX XXXX account incorrectly as someone else intercepted the check and sent it to XXXX XXXX for Processing. The check was for {$710.00}. This was money contractually to me from the car dealership. 
I submitted a complaint to CFPB about XXXX XXXX not correcting this timely and they returned the money to Key Bank on XX/XX/18. The next step was to follow up with the car dealership. I did this on XX/XX/XXXX. The dealership will not cut me another check until Key Bank credits their account the {$710.00}. It has been 10 days since the money was returned to Key bank and I still do not have a check from the car dealership as their account has not been credited by Key Bank. This is an unacceptable delay.