davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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. (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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2021-07-21
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. (OH)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX  XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NY)

Follow up to complaint XXXX. Truist did establish escrow and pay taxes as requested. However, my monthly payment was increased from $ XXXX/month to $ XXXX/month. Approximately five ( 5 ) times greater than current payment and approximately 72 % of my net base salary. 

Truist did not work with me on any payment options or down payments prior to establishing the new monthly payment. Attempts to resolve through their Escalation Department were pushed back to stand customer support and thus receiving the run-around that prompted the initial complaint.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I made a purchase online on XX/XX/XXXX and never got the product. I tried contacting the merchant but had no response and their website was no longer in service, this is obviously a scam/fraudulent website. I dispute the transaction with Citibank on XX/XX/XXXX and provided all the documents requested by mail, email and phone. I spoke to different representative and they either claims was not enough information or that they didnt receive it. Also said that they were going to escalate and file an appeal on my behalf. Meanwhile they tell me to call back in XXXX days to follow up which I do but then they said that I didnt give enough information. I am back and forth with Citibank and they clearly do not provide any help. Is XX/XX/2022 and now they claim I have to sign a letter to give them authorization to handle this dispute on my behalf. Im obviously giving them authorization since day XXXX that I file the dispute but now they want it in written? 
I never had these issues for a dispute before and the amount is {$82.00}. Im doing all the research, providing all the reference information and these people who seem very inept say that is not enough but fail to tell me what else is that is missing. Please investigate this issue with them, I cant believe this is happening and cant even imagine what will happen if is a larger amount that Im disputing.
Consumer complaint received 2021-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Eagle Financial Services, Inc. (OH)

I worked there for over 5 years. They made us put the insurances on every loan we booked. It made me feel uncomfortable and I felt we were deceiving the customers by not going over this before they came in. If the customers paid attention and complained we would remove them and rebook the loan. That isn't the point. They already charge 25 % interest. Don't they make enough off of that?? That is all I ever heard was how much money they made off the " extras. ''
Consumer complaint received 2023-03-28
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. (TX)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm in the process of purchasing a home. I looked over my credit report and I noticed that there are inquiries on my credit report that I did not authorize. Every Inquiry that is not attached to an active account I did NOT authorize and needs to be removed immediately.
Consumer complaint received 2021-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (GA)

Purchased vehicle from XXXX XXXX in XXXX, GA in XX/XX/XXXX. Financed through Southeast Toyota Finance. XXXX XXXX sent wrong mailing address to Southeast Toyota Finance despite specific instructions. I was not aware of this error and began making payments according to loan paperwork provided by the dealer. Payments were made monthly via online banking from XX/XX/XXXX to XX/XX/XXXX. I did not notice that the XX/XX/XXXX payment was not deposited by Southeast Toyota Finance. I discovered the error while trying to log on to their website on XX/XX/XXXX. Contacted the Southeast Toyota Finance Customer Care Department. Was told by XXXX XXXX that the finance charges ( {$450.00} ) had accumulated from XX/XX/XXXX. XXXX stated that they had received returned non-deliverable mail that was sent to the wrong address in XX/XX/XXXX. XXXX also stated that they had attempted contact by phone in XXXX and XX/XX/XXXX but were unsuccessful. I have received no voicemails or emails from Southeast Toyota Finance indicating that my account was delinquent. The Manager of Customer Care, XXXX XXXX, offered to reduce the fees by one half, but insisted that I should have contacted them and bore responsibility as the customer. I told her that it was only by chance that I knew about the fees, and had no indication that there was a reason to contact them. I have sent the missing payment and it will arrive on XX/XX/XXXX.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I was forced to pay a down payment. Which is illegal lets start there. Then the company violated a cease and desist order multiple times. I was contacted through third parties, us post mail and phone calls from both the company and debit collection. I never received any tax documents regarding the charge off. The company also had the vehicle repossessed and in that process damaged the front suspension, emergency break and transmission of the vehicle. Then extorted me out of {$5000.00} in order to get the Charged off and damaged vehicle back. All while violating a long list of laws and us codes such as 15 US Code 1605 Definition of a FINANCE CHARGE Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission 15 USC 6802 15 USC 6803 15 USC 6804 MCL - Section 333.16233
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (WI)

Hello, My name is XXXX XXXX and I have just recently opened up an personal account with Navy Federal Credit Union. 
I heard nothing but great things about Navy Federal CU until today XX/XX/XXXX @ XXXX. 
XXXX from personal account was very professional, helpful and courteous. He explained to me all the benefits of opening up an account with Navy Federal and transferred me to the XXXX Department. 
I spoke with a XXXX who asked me what type of business is XXXX XXXX XXXX and I told her we are XXXX XXXX XXXX XXXX XXXX and we offer our clients advice on XXXX XXXX XXXX XXXX XXXX, she then asked me about credit repair, I stated we hope to offer that down the line and she stated we can not open this account because of that and I stated I am not operating credit repair NOW, we are financial consultant and help individuals with different aspects of their financial plan, there is no way we are practicing or doing ANY type of credit repair. I then asked to speak with a supervisor by the name of XXXX who I believe to be very unprofessional, she came onto the phone chuckling which lead me to believe she was communicating with XXXX, XXXX did not provide me the opportunity to explain what my business is and just assumed because XXXX mentioned to me about credit repair that Credit repair is what I do and I do not operate nor have any clients at this time who I do credit repair, I stated maybe or possibly down the line I may consider but that was not good enough for Navy Federal and they refuse to open up my Business Acct. based on a possibility and that is not right, at this point XXXX was being very immature and would not provide me with further details of how I can remedy this issue, she was rude to the point I hung up on her ( I ask that you play the recording back to hear the conversation ), I then called back to speak to another supervisor by the name of XXXX who pretty much stated according to her documentation she is not able to open the account w/out giving me the details as to why. I directly told her that I am not operating XXXX XXXX XXXX business at all right now. I would like a call back from the XXXX, XXXX or someone who can assist me with this matter. 
Thank you, XXXX XXXX Acct. # XXXX My Business Name : XXXX XXXX XXXX Established in XXXX and Operating since XXXX We are Financial XXXX  who offer clients financial analysis of their finances. We consult on assets, expenses, income and help our clients create a financial plan to reach different types of goals.
Consumer complaint received 2022-04-01
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX on Transunion and account # XXXX on XXXX ( different account numbers ), XXXX XXXX Account # 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 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (VA)

They are reporting I am 30-90 days late which I have never been. I can not view my account transactions and they have failed to provide account transactions and history after multiple attempts via phone and email to request the account history. The representative I spoke with today stated I have never been 30/90 days late and that information should not be reflecting on my report.
Consumer complaint received 2021-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted disputes and an FTC report for the following fraudulent accounts. They have not been deleted. 

Transunion : XXXX {$330.00} XXXX XXXX {$10000.00} XXXX  : XXXX {$3200.00} XXXX {$330.00} XXXXXXXX XXXXk XXXX XXXX {$1200.00} XXXX XXXX {$10000.00} XXXX  : XXXX {$3200.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX {$210.00}
Consumer complaint received 2023-03-28
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. (GA)

I see that the account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$640.00}
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mercedes Benz Financial Services (CA)

I am, the consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ) and 16 CFR 433.1 ( b ) in fact, natural person, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX  XXXX  XXXX and MERCEDES BENZ FINANCIAL SERVICES Taken an adverse action , and violated 15 USC 1681m, 15 USC 1681a ( k ) and 15 USC 1691 by not disclosing the required information about the creditor and the original creditor under the Equal Credit Opportunity Act and the Fair Credit Reporting Act./// XXXX  XXXX  XXXX and MERCEDES BENZ FINANCIAL SERVICES did not clearly and conspicuously make any statement about the creditor and who is extending the credit, creating false, misleading statement and representation. 

XXXX XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES failed to provide a statement with notice of my consumer 's right as mandated under 15 USC 1691 ( d ) XXXX  XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES are civilly and criminally liable under 15 USC 1611 for failure to disclose material facts relating to this adverse action.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

My business account that I sent up through Chase had been erroneously restricted since XXXX XXXX XXXX. I have been blocked from using the account and can not withdraw my funds due to the restrictions. 

When I tried to fix my account I got the run around. The customer service can't fix my account, the branch couldn't fix my account and Compliance couldn't fix my account. It is now XX/XX/XXXX and I can not gain access to my funds.
Consumer complaint received 2020-09-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

Since the mortgage was transferred to NewRez Mortgage Company,  they have refused to accept our layered insurance policy and have raised our mortgage payments from {$480.00} to {$550.00}. We have called them numerous times to fix this problem and have been assured the issue is addressed, only to find out rates still high and a lender placed flood policy affixed to the loan. We have had numerous escrow analyses done to no avail. This ongoing issue is unacceptable and unethical. To be assured of assistance and then find that our concerns have been dismissed is frustrating and now they are seemingly completely disregarding any attempt to hold themselves accountable and remove the lender placed policy and fix the overcharges to our escrow account.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We have been trying to contact Bank of America for almost a month now. This is beyond ridiculous. I have advised Bank of America that I must IMMEDIATELY short sale my home. They are trying to push me into a modification. I CAN NOT do a modification because my 2nd lien holder is FORECLOSING! I am being foreclosed on my by my 2nd not Bank of America, I CAN NOT DO A MODIFICATION due to the amount owed to my 2nd. OPEN MY SHORT SALE REQUEST IMMEDIATELY STOP WASTING TIME!!! OPEN THE FILE!!! GET ME MY 30 DAY PAYOFF STATEMENT FOR 2ND LIEN AND SHORT SALE APPROVAL LETTER!! BANK OF AMERICA IS IN VIOLATION OF RESPA GUIDELINES WE HAVE SUBMITTED DOCS WITH ZERO RESPONSE.
Consumer complaint received 2019-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (NY)

The debt is past the statute of limitations. The company : Jefferson Capital Systems , LLC XXXX XXXX, MN XXXX Also XXXX XXXX in XXXX : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, IL XXXX Another XXXX XXXX in XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX After the debt was removed from my credit report due to it being past the statute of limitations which completed on XX/XX/2019. They send me a validation letter that is postmarked XX/XX/XXXX, yet the letter is dated XX/XX/2019. 

First, this letter needs to be sent within the first 5 days, not after the debt was removed from my credit report. 

Second, they purposely dated the letter XX/XX/2019 in order to try and deny me my full 30 days to dispute or request validation. 

Within the letter, they indicate they will sue to obtain a judgment on a debt removed from my credit report based on the statute of limitations. They claim they can garnish wages make a report to the credit bureau.
Consumer complaint received 2019-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc. (GA)

I recently discovered that a collections listed under Chapter XXXX BK although paid was a results of ID theft. I tried explaining this to a collection company NCC who I have never signed and contracts or documents with nor I have ever signed any contracts with the original debtor. I have never received the documents validating anything was signed or proof they believe it belongs to me. NCC is fully aware of my position but refuses to remove this from my file. I will be contacting the original credit as well as NCC to file suit immediately upon submitting this complaint. Ive been trying to settle this matter since XX/XX/2019.
Consumer complaint received 2020-09-21
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. (NJ)

Hello. I disputed with XXXX XXXX at the end of XXXX about a false bankruptcy on my credit. They have since had it deleted. They have sent manual disputes and I disputed with the credit bureau as well. They keep coming back as verified when XXXX XXXX has clearly removed it from the report. They are refusing to delete this incorrect information even though I have provided valid proof. Also the addresses listed on the furnisher does not give out this information to credit bureau nor do I even live in any of those locations to have filed.