davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-29
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. (NY)

i sent a letter XX/XX/2021 more than 30days ago. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report.

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to.
Consumer complaint received 2024-02-24
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)

recently i looked at a copy of my credit report and noticed a few inaccuries on my account this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here are the items i am asking you to verify XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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. (TX)

Dispute letters were sent to the credit reporting agencies regarding accountXX/XX/XXXX XXXX due to incorrect information. I had an agreement with the creditor to remove this account once it was paid off, so I am confused as to why this is still reporting. I am requesting that this account is removed due to its many inaccuracies. How is different information reporting when all data furnished should be the same. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). This account should be removed immediately due to the fact that I had an agreement with the original creditor and because the information is inaccurate. I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different balances you are reporting for the same account number.
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arcadia Holdings, LLC (PA)

This 3rd party Collection agency has Medical Statements that violate the HIPPA Policy which are my medical records. This is a Violation to my rights and my privacy with the hospital and I never agreed to sign for a 3rd party collection company to have my personal medical records.
Consumer complaint received 2021-05-29
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: PENTAGON FEDERAL CREDIT UNION ()

I was trying to get {$20000.00} of personal loan from penfed credit union. In fact, it has been approved in application process but I received letter that my credit score showing as XXXX  dated on XX/XX/2021.
Consumer complaint received 2023-04-04
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 want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX NC XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX, Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (VA)

I applied for and completed a refinance application for a 1.98 % APR refi on XX/XX/2021. All information was provided as requested by XXXX. 

On XX/XX/2021 after spending many hours scanning and uploading documents, I received the following message from XXXX. " Congratulations! You're conditionally approved. Now, we're just waiting on a few third-party documents to complete your file, then we'll start our final review. '' I was told by my agent XXXX XXXX that the loan was good to go if we rolled in a current car loan also. This would satisfy debt to income ratios per XXXX. 

Over the next month, I asked for but never received a final closing disclosure with the car loan incorporated. After repeated requests, still nothing. 

On XX/XX/2021 I was called by a manager and told that the original loan that I was told I could obtain was now not possible. 

Over 2 months from starting this process, interest rates have now gone up and I have lost an opportunity to save {$400.00} per month or ~ {$28000.00} over the term of my new loan. 

I will be looking into any legal action I can take due to the false statements and negligence of XXXX in order to recover the savings I would have realized had they followed through with their loan commitment. 

I have email correspondence to support my claims.
Consumer complaint received 2021-05-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (NY)

NAVY FEDERAL FORCED ME INTO DEBT.IN XX/XX/2021 I RECEIVED AN EMAIL STATING THAT IN XXXX A {$510.00} CREDIT WILL BE DEDUCTED FROM MY ACCOUNT.A CREDIT THAT I WAS NOT NOTIFIED OF, CONSENTED TO OR WANTED.WHEN I ASKED WHY DID THEY PROVIDE THE UNSOLICITED CREDIT, THEY STATED IT WAS FOR MY OVERDRAWN ACCOUNT, ALLOWING ME TO FULLY ENJOY MY STIMULUS,.. .BUT ; IT WAS DEPOSITED " AFTER I RECEIVED MY STIMULUS CHECK '' CONCEALED.I AM XXXX AND I CAN NOT AFFORD THIS.NAVY FEDERAL ALSO HAS ME BLOCKED FROM PHONE AND LOCATION ACCESS MAKING THIS ALMOST IMPOSSIBLE TO RESOLVE!! THE GLOBAL PANDEMIC AND MY HEALTH IS WELL KNOW BY NF.THESE ACTIONS FIT THE DEFINITION OF PREDATORY LENDING.
Consumer complaint received 2021-05-29
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)

i sent a letter XX/XX/2021 more than 30days ago. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report.

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

{$460.00} was paid to me using PayPal on XX/XX/XXXX. It was been on hold during that time. PayPal will not release my funds to me, it is now XX/XX/XXXX. This is an unfair arbitrary hold on money that is rightfully mine. As a payment service they have committed fraud against me the consumer since they have held my funds in their possession and thereby refused to complete the act of payment. I also paid a fee for this payment that has not been completed.
Consumer complaint received 2021-05-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC (FL)

I AM REQUESTING HELP WITH THIS MATTER I HAVE TRIED TO MAKE A COMPAINT WITH THE XXXX ABOUT THIS MATTER. I WAS GIVEN THE COVID 19 RELIEF PROGRAM WERE BMW FINANCIAL SERVICES SAID THEY WOULD DO A DEFERMENT ON MY PAYMENT BECUASE I WAS XXXX XXXX XXXX XXXX AND WAS UNABLE TO WORK AND MY WIFE TOOK XXXX ALSO. I WAS IN CONTACT WITH A REPRESENTATIVE THERE AND SHE TOLD ME TO STAY IN TOUCH AND PAY WHAT I COULD, WHICH I HAD CONTINUOUS COMMUNINCATION WITH THEM AND WAS TOLD THAT REPORTING WOULD BE PUT ON HOLD AND THEY WOULD DEFER MY PAYMENT AND CREDIT REPORTING WOULD RESUME IN XXXX. I MADE A {$2500.00} PAYMENT AND ANOTHER {$1500.00} PAYMENT WHICH WAS SENT BEFORE XXXX. 

ONCE XX/XX/2020 CAME I MADE MY NORMAL PAYMENT AND THEY REPOSSESED MY CAR AND TOLD ME THAT I WOULD HAVE TO PAY {$12000.00} TO RECEIVE THE BMW BACK, THEY NEVER DEFERRED MY PAYMENT THEY DEMANDED THE PAYMENT ALL AT ONE TIME. 

I WOULD LIKE HELP WITH THIS MATTER BECUASE THEY USED FRAUDLENT TACTICS AND LIED AND LED ME TO BELIEVED SOMETHING TOTALLY DIFFERENT. 

REPSPECTFULLY XXXX XXXX XXXX
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. XXXX
Consumer complaint received 2024-02-24
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. (CT)

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXX XXXX XXXX XXXX {$910.00} Thise account is being reported inaccurately and has violated my rights according to the laws listed below.

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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) States : 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.

I am requesting your assistance in having these items removed from my Consumer report.
Consumer complaint received 2024-02-24
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. (GA)

Reviewed most recent credit report from Equifax and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have any records of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA, I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.
Consumer complaint received 2021-10-21
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. (FL)

On XX/XX/2021 I sent letters to the Equifax to notify them that I am a victim of identity theft and there was an account reporting on my credit report that does not belong to me as of today XXXX XX/XX/2021 this inaccurate/fraudulent account remain on my credit report and I am interested in your assistance in having my credit report updated to reflect accurate information.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On Monday XX/XX/XXXX, I called Capital One regarding my credit cards. The two credit cards that I have with Capital One had the same due date. I asked what happened and why were the due dates now the same. The first credit card ending in XXXX has a due date every month on the XXXX. The second credit card ending in XXXX had a due date of the XXXX of every month. In XXXX I had two credit card payments that were due at the same time. I called the customer service phone number to ask why was this happening. The customer service representative stated that the due dates were changed. I asked to speak to a manager who was very rude and told me that Capital One sent a letter out last year. 

I did not receive any letter stating that my credit cards would have the same due date. The manager then changed one of the dates from the XXXX of the month to the XXXX which still doesn't give me time to pay on my credit card.
Consumer complaint received 2020-11-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

My daughter purchased a used vehicle and was making payments on it. The loan was through Chase Auto Finance XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX. This account is being shown on my credit report as a charge off. I called Chase Auto Finance and explained that is showing a paid charged off on my credit report. I explained that this was my adult daughters car and not my responsibility. I asked them to send me a copy of the car contract from the dealership to show that I signed for the car. That request was done in XXXX of 2020, I called Chase again because I never received a copy of the car contract and its now XX/XX/2020. They stated that they requested the wrong document and were requesting it again. I explained to Chase that this was not my financial responsibility and secondly the car was not charged off, my daughter paid the car in full. In fact, Chase sent her the pink slip of the car, why would they do that if monies were still owed? Chase agreed that the balance was XXXX but its still a charge off. I let Chase know that I am purchasing a home and this error they are reporting is affecting my purchase, but they would not budge. To me, a charge off is when a creditor did not receive payment in full, in this case the balance is XXXX  and they still are showing a charge off. So when other lending institutions look to my credit they think that I did not pay this account in full, when in-fact it was not even my responsibility. I have been dealing with this since XXXX for 5 months now. 
I need CFPB to help me clear this item as the credit reporting agencies are saying the Chase Auto Finance keeps telling them that they are reporting this correctly. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-02-13
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: Experian Information Solutions Inc. (TN)

Experian notified me at the end of XX/XX/XXXX that a company pulled a hard check on my credit. The explanation was that I had request credit with this company. I had not. The hard pull will remain on my credit for 2 years. The company requesting information was XXXX XXXX XXXX. My account with XXXX was pain in full and closed by me XX/XX/XXXX. I did not request more credit. Im fact my payments were delayed with their approval due to being in good standing. Covid, a natural disaster, hurt my ability to sell XXXX  that I make and that earned money paid my XXXX XXXX Bill each month. People were out of work and were not buying unnecessary pretty floral arrangements. I had to pay my rent before a XXXX bill. XXXX told me that they would not lower my monthly pmt. I ended up paying this Bill completely off 12 months in advance after never having a late payment until Covid. I pulled together every penny I had. There was no reason at ALL for this company to do a hard pull on my credit which hurt it.. months after the account was paid off and closed. 

Just this past week I discovered I had been a victim of identity theft. My internet did not work. I called a customer service number for XXXX and the representative guided me thru a process of installing an app on my phone. He sent me IP addresses who had accessed my credit and identity and told me I had to pay XXXX dollars to him to fix it! I immediately hung up. I have the phone number. This person accessed my Experian Credit and tried to open another credit line with XXXX XXXX XXXX in my name. I immediately notified Social Security and FTC. 

I have now had to freeze all my credit. Experian refuses to let me show them the documents of how my identity was stolen. I have submitted many request to them. They no longer will let me submit anything!
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Magnum Association Services (GA)

Attempted to reach Magnum since XXXX. They never answer their phones and barely answer emails. They gave me one amount to pay XXXX XXXX XXXX on XX/XX/XXXX. Once trying to pay, they charged a surcharge of {$40.00}. When in the process of disputing the credit card processing fee on XX/XX/XXXX, they increased the fees, charged an additional 25 % in contingency fees, added more interest and late charges, and {$44.00} in credit card processing fees for a total of over {$200.00} more than the agreed upon amount. 

After contacting the company, the original creditor, and XXXX, I have yet to get a response. They violated the FDCPA in more than one instance. The 3rd party collection agency, Magnum, is also a LLC of the original creditor ( they are in the same office ) and claim the other party is to blame. The original creditor, XXXX XXXX XXXX, states they have nothing to do with the fees. The 3rd party stated the reason they haven't returned my call is because I/they need to contact the original creditor. 

This is a conflict of interest. They are double charging me on fees, they have deceptive practices, violated FDCPA, and have unlawful communication practices. 

We are suffering from the global pandemic with a 7 % unemployment rate and increase of national debt. They should be courteous knowing that millions of Americans are suffering.
Consumer complaint received 2021-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i sent a letter 30days ago to the bureaus they have yet to respond. they i are in violation of 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

I have made several attempts to this collection company. On the telephone, they lie and don't answer any of my questions. I've sent in an affidavit of fraud months ago and I haven't gotten a response from there.
Consumer complaint received 2021-05-29
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: Experian Information Solutions Inc. (TX)

I have a ton of inquires on my credit that I did not do. I have never asked these companies to provide me with anything. I called the credit bureau they told me to call the company I call them and they refer me back to the bureaus saying they have none of my information I keep going in circles and want this information deleted from my credit file. I have been trying to get this resolved for months. All this mess is someone attempting to get goods in my name.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (WA)

1. I opened a Chime checking and saving account online https : //www.chime.com/ around XXXX. I used the account without any problem for a while 2. XX/XX/2020, I notified that Chime suspended my account when I tried to log in 3. On XX/XX/2020, I called the customer service number at XXXX to understand what happened. They couldn't resolve my problem and asked me email my issue to XXXX and XXXX 4. On XX/XX/2020, I emailed XXXX and XXXX with all required documentation : copy of both front and back driver license ID picture of me holding my driver license XXXX  XXXX XXXX  statement XXXX  XXXX  statement Utility statement XXXX bank statement Written explanation of last few transaction 5. On XX/XX/2020. Chime emailed me that I violated their Deposit Account Agreement Section ( I ) ( C ) ( 9 ). I read through and I did not violate any one of the agreement. 
Here is the copy of XX/XX/2020 message from Chime ********** copy begin ******** Hi XXXX, We have determined your account is not in compliance with your Deposit Account Agreement. Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ).

If you still have funds in this account, please allow 14 days for any outstanding transactions to settle and then a physical check for the remaining balance will be sent to the address on file. You should receive your closure check shortly after.

Kind regards, XXXX Chime Member Services **XXXX. copy end XXXX Chime has most of my cash and I could not really use it. Chime closed my account and I could not reach out to any one at Chime. Can you help take a look at this case to make sure Chime is not discriminating customers like me? How can a bank suspend a customer 's account without providing customer service access? What can I do now as I could not use the majority of my family cash to pay for bills during the pandemic and holiday seasons for 20+ days?