davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
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. (FL)

I have recently reviewed my consumer report and noticed there are items on there that have reported my private and non-public information which I did not provide explicit written or verbal permission for them to do so, and this is identity theft. They have compiled a report on me that is supposed to represent who I am. This has caused reputable damage to my life ; this information has been used to validate my credit worthiness with other creditors. These furnishers did not respect my right to privacy under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility which is unfair and partial. They assumed the credibility of these companies that the information The furnishings were correct and accurate. They never had a permissible purpose under 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) 1 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 USC 1681 ( a ) ( 2 ) An Elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. The CRA has undermined my right to privacy, I spoke with their fraud dept to provide info regarding identity theft and to advise I had made a claim with the Federal Trade Commission FTC Report is attached and a copy of my consumer report # When Speaking to CRA Fraud Dept, Customer Service Agent advised he could not disclose any business info relating to Equifax such as location, supervisor 's name, nor agent last name which I could not understand because this was the company that has my personal information and have inefficiently allowed furnishers to report information that they did have my expressed consent to do so. 

I demand Equifax to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theftXX/XX/XXXX Please understand I can only list from the file which I received from Equifax, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to. I have enclosed a copy of my Identification I am also aware of the XXXX data breach which you failed to properly disclose your company was affected which resulted in XXXX XXXX XXXX XXXX  sensitive personal information. I am aware you have been deceiving consumers about the strength of your data security program and privacy policies and are continuing to cause me XXXX  and stress. 

Identity theft claim made to the FTC see attached.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX my car was repossessed out of my driveway at XXXX am. 

I immediately tried to call and find out any information I could. They told me I had to wait a week to receive something in the mail I never did. 

I then called a week a some days later again to finally be told what the price was. I paid everything on XX/XX/XXXX and then was told I had to wait until XX/XX/XXXX to receive my car back. I go to pick up my car and immediately notice all the physical damages that they had caused to my car. 

My right side backseat door frame is damaged and had white paint still on it from whatever they hit my car with, I had minor scratches in multiple places all over my car, my trunk cover was ripped off the hinges and broken, my back seat had a hanger jammed in between and wouldnt close. On top of all that my back drive tire was now half flat, and my brakes were squeaky. 

When I got the car they had already stared it for me so I immediately drove to work from the lot since I hadnt been able to work due to not having a car. When I got out of work at XXXX my car would not start, it said the parking brake was malfunctioning, the airbags were now faulty. This is a 2017 car that has not had any issues besides regular maintenance and tires in the past. 
I was able to get a jump started that lasted my drive home, when home I turned the car off and in the morning car now wouldnt start at all. I replaced the battery a {$300.00} expense, the battery was drained due to the other damages but it wasnt the battery. I have now not had a working car in a month and Ally Auto will not give me any answers. My first claim was closed with no response and my second claim is being completely ignored until I go away. Every time I call they waste an hour plus of my life having me talk to multiple people and then telling me I have to go through that email that wont reply to me. 

Ive XXXX XXXX XXXX because I cant make it to work, Im about to XXXX XXXX XXXX  as well. This has been so emotionally exhausting and draining I cant even eat or sleep anymore.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

I've been trying to resolve these issues for years. its so unfair that I cant purchase a house or access Business funding because of these fraudulent credit bureaus. This is the last time trying to resolve. Please investigate XXXX. XXXX I don't even know what or who that company is and Comenity capital XXXX I never ever did any business with these people. If any further Questions please contact XXXX XXXX at XXXX
Consumer complaint received 2022-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (FL)

The bank had that statement since XXXX I saw it on the XX/XX/2022 and did not know I owe any debt that high and did not apply for any credit card I have made available a copy of this statement in my bank application
Consumer complaint received 2022-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (ME)

My house burned down XXXX days for XXXX this year. the insurance company sent me a check. I sent the check to shelpiont mortgage company to pay off my mortgage. they initially misplaced my check and then they didnt follow the letter of intent that was sent with the check Until I called repeatedly for almost a month straight and then once they found it they followed the letter of intent but by then my mortgage is already late by months and Its reflecting on my credit as such and I cant get another mortgage for a year because of them I contacted the Shell point mortgage repeatedly and discussed it with them even with photographic evidence they will not change the remarks sent to the credit bureau
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (NY)

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 : 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 an open end consumer credit plan as late for any purposeXXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (LA)

i went to apply for a mortgage when i was notified about a closed collection on my account in the amount of {$4000.00} dollars to a company i never heard of and never done business with but that wasn't the only one i checked my credit score and it had dropped XXXX points due to a collection from a phone company i never used.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

On XX/XX/XXXX I submitted a request ( and {$100.00} ) to have my PMI cancelled on my home mortgage via a Broker 's Price Opinion ( BPO ). The lender is LoanCare  XXXX XXXX XXXX, XXXX  XXXX, VA XXXX. XXXX. We brought the house on a short sale in XX/XX/XXXX for {$270000.00}. The house was in need of significant interior work. The house had a reverse mortgage on it from the previous owner of {$470000.00} at the time we closed on the house. We have performed all the necessary work and extensive upgrades to the property. We've on several occasions with real estate experts inquired about the current value of the home. Using the latest comparable 's in the immediate neighborhood from two different brokers, they estimated we should go to market at {$370000.00}, well in excess of the necessary value to have the PMI release from our loan. The broker chosen by the lender, came to our house on Sunday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX, the broker called me to give me advanced notice the the lender was going to reject my request. The broker arrived at a value base on his comparable 's of {$350000.00}. He informed me the lender did a in-house quality review process and lower the BPO value to {$300000.00}. That value is clearly to meet their predetermined desired outcome. I've reviewed in detail the final BPO. The comparable 's they used are not in similar neighborhoods. I believe this is pure fraud on the lenders part to manipulate the numbers. I could request a full appraisal of the property, but once again the lender chooses the appraiser of which I have no confidence that it would be a fair appraisal with adjustments to achieve the lenders desired outcome. The house directly across the street sold for {$320000.00} with the original XXXX kitchen and XXXX sq. ft. Our house has been remodeled throughout with a new/remodeled kitchen and floors. The subject property is XXXX sq. ft, using simple math that would equate to a value of {$340000.00}. That value is not considering the {$20000.00} renovation for the kitchen. They can't really believe the BPO value is {$300000.00}.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION (TX)

Received a letter stating pursuant to the terms of Zions Bancorporation, NA has elected to close the account effective XX/XX/20. The letter was dated XX/XX/20, and I received it on XX/XX/20. 
Called the bank, and was told that there was a clause in the agreement that the bank could exercise this right and they have chosen to do that.
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. According to XXXX  by XXXX XXXX XXXX, {$2700.00} was pulled from my XXXX  account ( Checking : XXXX ) on XX/XX/XXXX from a company ID XXXX. 

2. I found this company ID is Bank of America. 

3. I didn't authorize this ACH Pull or ACH Push.
Consumer complaint received 2018-02-22
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: Rocket Mortgage, LLC (NC)

On XX/XX/2017 I contacted the company below by telephone. 

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX QUICKEN LOANS. 

I responded to a pre-screened offer letter by calling the number on the letter to ask questions about their mortgage loan rates and my credit unknowingly received a Hard Inquiry without me knowing. Please have this inquiry removed from all my credit reports.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

On XXXX XXXX XXXX, I was trying to buy a car. They ran a credit report with Experian and was told I had a freeze on my report. I NEVER authorized a freeze. I didnt even know what that was. Now I can't unfreeze it without a pin number. I dont have a pin number because I never requested a freeze. This may have hurt my chances of getting a car. I am beyond angry. I called every number for Experian and can not speak to a real person. Its the same automated answer. It won't help me at all. I also answered security questions to prove it was me. They asked me if I applied for a home loan in XXXX. I have never applied for a home equity loan ever!
Consumer complaint received 2022-09-10
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. (NY)

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 : 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 an open end consumer credit plan as late for any purpose.XXXX
Consumer complaint received 2022-09-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: College Foundation, Inc. (NC)

I have always paid my bills on time. College Foundation XXXX  did a terrible job communicating that FFELP loans were not protected from reporting under the CARES act. I want the 60 days past due from XXXX to be removed. It dinged my score XXXX points. It is unacceptable. My mom died this year. We are in a pandemic. XXXX is a servicer meaning part of their job is to communicate effectively to their clients on behalf of the federal government whose loans they are responsible for.
Consumer complaint received 2020-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

Equifax Credit score decreased today XX/XX/20. No negative information reported. No negative information added. Only change was credit card payment made, which decreased credit card overall credit usage balance. Called representative today at around XXXX Eastern was told system was down and to call back. Called again at XXXX Eastern spoke with a representative who could not or would not provide any assistance with my specific issue. The Equifax representative stated he was only able to advise me of what on my credit report could have a negative impact not why my credit score decreased. He is unable to see recent changes or the scores, but could refer me to a credit counselor. I advised I am not seeking credit counseling, but need to know why my score decreased 22 points for no reason. It was implied that there is no way an error could be made with the credit score reported, and no way to get it corrected. I asked to speak with a supervisor and was advised they will not be able to assist me either. I was placed on hold, a supervisor never came to the line. I feel there is no reason other than a discriminatory act my race or gender for my credit score to decrease. I feel Equifax 's practices allows for this act to continue, and allows me as a consumer with no other option, but to seek assistance elsewhere.
Consumer complaint received 2020-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXXXX/XX/XXXXI received a letter from XXXX/XXXX XXXX dated XXXX XX/XX/XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX  on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XX/XX/XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXXXX/XX/XXXXat XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX.My call with XXXX ended at XXXX statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXXXX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXX.THIS IS FRAUD
Consumer complaint received 2024-03-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I bought the gift card to be used the XXXX XXXX in XXXX to feed my students on a field trip on XX/XX/24 because the venue does not accept cash. My card kept declining. I called Visa Vanilla Gift to inquire and I was informed that they have security measures in place and they could send me a replacement card in XXXX business days.
Consumer complaint received 2022-09-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: AXOS FINANCIAL, INC. (IN)

Hello. I have been trying to contact anyone and everything for help. ( Axos Bank ) I am in DIRE need of my title for my vehicle. I moved from Florida to Indiana and I am TRYING to register my car in Indiana. My Florida tags expired XX/XX/XXXX and my LAST indiana 30 day temporary registration expires XX/XX/XXXX. After that date, my car will be illegal to drive. I have been trying to obtain my title from you and Florida since the beginning on XXXX and nothing. I NEED it desperately. I have children who need to be driven around and for school. How is this not able to be done. Please help! When I call Axos Bank, they have no record of asking Florida for the title. I have messaged and they said they sent out a request XX/XX/XXXX for my electronic title from Florida, and nothing, What am I to do? This is literally out of my hands. I need my title!
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — Store credit 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. (NY)

The amount due for my Macy 's bill, payment due date XX/XX/2020 was {$170.00}. However, there were charges for {$100.00} and {$64.00}, respectively, a total of {$160.00} for merchandise that was ordered but not received. Therefore, I sent in a payment in the amount of {$9.00}, which was received on the payment due date. 

However, on my next bill, bill payment due XX/XX/2020, I was not credited in the amount of {$160.00} for merchandise ordered but not received, as indicated above. As a result, in addition to not crediting me in the amount of {$160.00}, Macy 's assessed an interest charge of {$3.00}. In addition, Macy 's also assessed me a late charge of {$28.00}, even though the payment I submitted was submitted and received on the due date.
Consumer complaint received 2020-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20, XX/XX/20 AND XX/XX/20
Consumer complaint received 2022-09-10
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. (PA)

I applied for a credit card with XXXX XXXX XXXX XXXX and was turned down i believe for information that is False. XXXX  company stated that my Equifax credit report shows Serious delinquency and my length of time with credit is too short. Please see the below attachments. Moreover, my credit score is XXXX. Please reconsider your decision based on my information provided. I attached information showing that i have nothing in collections and I have XXXX  years worth of credit! Equifax is reporting False information. This dispute is with Equifax.
Consumer complaint received 2022-09-10
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. (CA)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC. I have the right to privacy and I did not give equifax permission to furnish these accounts. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-15
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. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.