davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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: 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 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 2020-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-10-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

XXXX XXXX XXXX sold my mortgage to a mortgage company called PennyMac out of XXXX XXXX, California. My account had been delinquent with XXXX when it was sold. I was catching my mortgage account up by paying XXXX payments around mid XXXX and XXXX turned over the last payment that I paid before the loan was sold, that made XXXX payments that was received this month, on the XXXX of XXXX I sent another payment, that 's XXXX payments, which only left me due for this month, XXXX. I got home this afternoon XXXX XXXX XXXX XXXX the mortgage company Pennymac had come to my house and left a sealed envelope with my name saying confidential on my front door, with the same information that was sent to me in the mail from them. Why do they need to come to my house, this is not a rental house and I did n't expect to be harassed by my mortgage company. Would this be because I 'm a woman and there is only XXXX name on my mortgage which is mine and it makes me an easy target. I just talked to my assigned representative yesterday over the phone and she noted my account for the last payment I sent. My mortgage is due for this month ( XXXX ) and Pennymac has already decided to be a thorn in my side, needless to say how upset I was about this, I called them and the only thing the rep told me was he would notate my account. If the mortgage company is making contact with me why are they coming to my house? Do n't appreciate this kind of business ... ..
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: COMMERCE BANK (MN)

This is a report of credit discrimination and one of the most outrageous one. Couple of months ago, I received a pre-approved letter from Commerce Bank which included a 0 % balance transfer without fees, if transfer made before XX/XX/2020. 
I applied for it and submitted a balance request for {$25000.00} since they indicated that if requested was more than approved they will transfer the min of the two.

First they claimed that I mistook residency with citizenship and denied the application ( even though I was pre-approved ).

I called and asked them how a citizen could be denied while a resident would not be. They stated that residency included citizenship. I corrected it and told them that I was a citizen. I was told I was approved after the correction for a {$10000.00} credit limit. But, later I realized that they did not do the balance transfer. They told me they mailed me the card and I could do it when I received it.

I waited for over a week and did not receive a card. I called today  XX/XX/2020 to inquire about the status of the card. I was surprisingly told that my application was under review. I said, I was already approved, they say but they can still deny it even though I was already approved. I told them that was illegal and what they are doing is discriminatory. Because of my wonderful credit history, I am machine approved but because of my race, I was human denied. 
This egregious violation of law should NOT be tolerated. I hope you will investigate and prosecute these type of credit discriminations. I know, you won't but that's fine. History will remember that I did my part reporting these discriminatory practices still in effect in the US financial industry, in 2020
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 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 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ME)

I am writing this complaint again for the second time. I have sent your company a dispute last month XX/XX/2023 which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there. The negligence of your company is causing me stress and affecting my XXXX XXXX not only have I stated the fraudulent accounts, I have also attached an FTC report with FTC number XXXX alongside my ID and social which I will be attaching again. I should not continue to be punished for being a victim, and all I can do is reach out to your company to correct it.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AL)

On XX/XX/XXXX, while I was on the phone with a Synchrony representative, I made a payment of {$190.00} to pay off the promotional purchase of {$190.00} I had that was subject to interest charges. I told the representative to apply that full payment to the full balance of the purchase and to ensure my automatic payment on XX/XX/XXXX of {$270.00} was not impacted. He verified that the payment would pay off the promotional purchase charging interest ( so no interest would be charged ) and my automatic payment would draft as normal. On XX/XX/XXXX my automatic payment drafted for {$58.00}, {$190.00} less than my normal automatic draft amount, and both payments were spread across all purchases. So the one purchase I had charging interest was not paid off as requested. Now I've been charged interest on a balance that I specifically requested be paid off. I've now called three times trying to get this corrected and nothing has been done on my account. Synchrony even sent me a letter on XX/XX/17 saying that I did not make any payment. I feel like this is fraud on Synchrony 's part, and the company is purposely not applying my payments correctly so they can charge me interest. My purchase with interest charges should be reflected as paid in full and my automatic draft amount should draft as normal.
Consumer complaint received 2022-09-03
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)

I disputed these items for being reported invalid and demanded them to be removed for being inaccurate. I understand that inaccurate reporting is illegal and should be removed
Consumer complaint received 2022-09-03
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: USCB Corporation (OH)

In accordance with the fair credit reporting act, XXXX  Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties.

15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. 

Therefore I am opting out and not authorizing it to be used on my report
Consumer complaint received 2022-09-03
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: Nelnet, Inc. (MI)

I sent letters to XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, and made phone calls ( and spoke to ) XXXX customer service regarding NELNET LOANS Account XXXX reporting a XXXX delinquency in a month for which I was current 30 days prior ( according to XXXX 's own data on my credit report ). My letter, attached, states : 1. In XX/XX/XXXX, I was current ( as noted in XXXX version of my credit history ). 
2. However, in XX/XX/XXXX, XXXX is incorrectly reporting my NelNet account as 90 days past due ( impossible since I was CURRENT 30 days prior ). 
3. In XX/XX/XXXX, XXXX is incorrectly reporting my NelNet account as 90 days past due ( impossible since I was CURRENT 60 days prior ). 

I received a dispute resolution ( XXXX ) Report Number XXXX Date Generated XX/XX/XXXX, and XXXX refused to correct the obvious errors.
Consumer complaint received 2023-03-22
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

XX/XX/2024 Consumer Protection Rights On this day I contacted XXXX Fraud Division at ( XXXX ) XXXX on a recorded line and was informed of XXXX  XXXX accounts being blocked and reported as fraud. However XXXX XXXX as a creditor contacted XXXX to have them unblock the accounts placing item that was once Deleted by XXXX to reappear on my Credit Profile causing me XXXX XXXX and to be denied a home loan. 
XXXX XXXX Special Services also stated that as a Consumer I do infact have no rights with XXXX and that XXXX listens to the creditors because that's how XXXX makes there money by the creditors paying to use XXXX Services. 

I beg for help and protection against these creditors being allowed to maintain fraudulent information on consumers credit reports. As stated I've filed a Identity Theft Complaint and Numerous FTC and CFPB complaints which XXXX recommended inorder to have XXXX  XXXX items remov3d and blocked from accessing my report. 
I've complied with each step and need protection. Please contact me in writing. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

In XX/XX/XXXX our leased XXXX XXXX XXXX was damaged during the flood and we submitted a claim to insurance company that the car is irreparable. The insurance company honored the claim and paid the remaining value of the car to XXXX XXXX XXXX P.O. Box XXXX XXXX XXXX, IA XXXX ( " XXXX '' ) under account number XXXX : XXXX on XX/XX/XXXX. Both my husband and myself are listed as lessees on the account. XXXX sent us a letter dated XX/XX/XXXX indicating that we owe a GAP insurance deductible of {$150.00}, which is " due within XXXX days from the date of this notice '' and if not paid, " your account will be charged off and reported as such to the credit reporting agencies ''. I was overseas for work at the time, I did receive a call from them on or about XX/XX/XXXX, where they were trying to confirm if we received a letter and indicating that {$150.00} was due and payable. I asked them to send by email, which they did. I forwarded the request to my husband, who was in US and asked him to settle. My husband sent a check dated XX/XX/XXXX for the amount of {$150.00}, which cleared our checking account on XX/XX/XXXX. In meanwhile, XXXX reported the amount as charged-off. My credit history has only 1 account reported being late for payment, which is XXXX XXXX in XXXX with indication 30-59 Days Past due. Everything else is in good standing, no late payments, no defaults, no derogatory remarks. After this charge-off amount got posted to the credit report, our credit scores have dropped significantly. 
On XX/XX/XXXX I have written to XXXX indicating that they placed an undue burden on us where this {$150.00} is creating undue limitations to our financial freedom and demanded that this record be expunged from our Credit Report. They responded that they did everything properly. Please note, nowhere in the contract that I had signed there is a clause that I would have agreed that XXXX IS awarded such right. I consider this frivolous behavior. Where does 20 days have come from, why is it 20, not 10 or not 30? is it 20 calendar or business days? I have opened several claims with XXXX, trying to explain and fix the issue. They made a comment on the report that the account was paid, but remained the CO remark and " XXXX XXXX Off ''. This doesn't help though. We have recently applied for a mortgage and were denied with comments " there is a serious delinquency on your credit report '' ; " delinquent account appears to be recent ''. At this time I am looking for assistance on legal remedies that are available to me. I am intending to bring a suit to court as this burden is so undue and has caused us substantial moral suffering. I am also looking for an instrument, where I, as an individual, can be awarded an equal right to place financial burden on XXXX at my discretion of 10, 20 or 30 days.
Consumer complaint received 2017-02-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: APEX Asset Management, LLC (PA)

Hello, I have noticed that I keep getting debt XXXX on my case about hospital bills, however I signed up last year to a thing called XXXX through XXXX and it was supposed to pay for anything that my insurance did n't cover/pay for. They even told me I was approved for the charity care and still continued to send me bills. When I went up to the business office to talk to them about it they told me that I was approved but did not give me any paperwork stating so. When I called Apex they asked for such paperwork and I do not have any to give. If they would like to call the business office and talk to them about it they can if they want. I tried calling a couple times and got no solutions.
Consumer complaint received 2018-03-16
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. (LA)

Three disputes were submitted to XXXX  and before they could even re-investigate the disputes that have been disputed before, they come back within an hour and said the information on these particular items are accurate and up to date. NO IT ISN'T!!! The two companies in particular, XXXX XXXX XXXX XXXX and a regular XXXX XXXX are lying on the credit report. When this company was contacted, they couldn't give me any information on these accounts but for some reason, they are giving false information to XXXX as well as XXXX and Transunion. This is pure fraud XXXX XXXX is committing and XXXX rushed to judgment and is deciding to believe the company instead of really digging into the information. According to an attorney that I spoke to, XXXX XXXX XXXX XXXX and the regular XXXX XXXX account should be removed once and for all. These three credit bureaus have until the end of XX/XX/2018 to get these particular items removed or I will have this particular attorney contact them.
Consumer complaint received 2015-11-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (TN)

On XXXX/XXXX/15 a wire in the amount of {$60000.00} was wired to Specialized Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO in error. A second wire in the amount of {$16000.00} was also transferred to them, which was not in error, this wire paid off a valid account. SLS called on XXXX stating the wire was received by mistake and said they would return it. They did not. My bank recalled the wire on XXXX and XXXX. They have still not returned the money and refuse to speak with anyone about the account. An associate with XXXX Bank has authorization to speak with them but they are still refusing to acknowledge the situation. They are unlawfully holding {$69000.00} that does not belong to them. I need help getting this resolved ASAP. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

I am a XXXX assisting a client with a modification. There are XXXX issues that are complicating the modification process stemming from new company/servicer procedures at Chase. First : The rep I have been dealing with has been very courteous and informative ; however, due to the " new company policy '' the direct phone extensions have been XXXX and other reps who answer my call are no longer allowed to transfer me to the case rep. which is making things very difficult as I have to explain the situation to multiple people ; many who are not as trained as well. This is a new procedure that has just taken effect over the last 2 weeks. Second : Although we have used the XXXX Loan Portal in the past when dealing with Chase, none of the reps in the modification department seem to know how to access those documents and I have had to resort back to faxing them in.
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (MO)

I paid my bill late on the due date late in the day & send a email. Asking chase not to charge a late fee. their did & well not remove. My name is XXXX XXXX my email address is XXXXXXXXXXXX. the transaction # XXXX on XXXX/XXXX/2016 It is a XXXX XXXXXXXXXXXX.