davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX  Acct XXXX XXXX have 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 an account without my written instruction.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Im reporting Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX On XXXX XXXX I sent letter to Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Find attached letter Experian has not reply since then. 

Enclose fin Experian report XXXXXXXX XXXX XXXX XXXX  account, Should be removed on XXXX XXXX 

XXXX XXXX XXXX account, was deleted from XXXX on XXXX, find enclose report Thank you XXXX XXXX
Consumer complaint received 2022-08-12
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: SYNCHRONY FINANCIAL (NJ)

Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.
Consumer complaint received 2020-05-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have disputed the accounts to the bureaus but they are still showing on my report. According to 15 U.S.C 1681 Law there should not be any damages on my report, it is a deformation to my character.
Consumer complaint received 2022-08-07
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. (NJ)

XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I contacted the agencies and they have not done anything they violated 15 USC 1681 A ( 3 ) in which they did not have my consent to share any of my information 15 USC 1681 A ( 4 ) They were unfair and partial and did not respect my rights. 

They failed to provide me with a copy of the consent pursuant to their data sharing policy. 
All of my student Loans are reporting incorrectly, all of my credit cards are reporting inaccurately. My mortgage and my car loans are reporting incorrectly and missing information. 

Please assist me in this matter. Thank you
Consumer complaint received 2024-02-16
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CT)

Please see attached letter from XXXX  to JP Mortgage Chase in which it is stated that I XXXX tried to stop the funds from being deposited into my Chase Checking account back on XX/XX/2021 but Chase had already cashed the {$20000.00} made out to XXXX to pay off my personal loan with XXXX. This letter is also indicates that XXXX is recalling these funds to be sent back to them ; after several attempts to try to solve this issue with Chase, I am asking for your assistance so Chase returns this money back to XXXX. Please refer back to my closed complaint with CFPB # XXXX for further information. At this point Chase has ran out of arguments and excuses not to return this money to the issuer of this check. Chase has made my life miserable and made me pay dearly for my mistake. CHASE, ENOUGH IS ENOUGH.
Consumer complaint received 2020-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I walked into the Loancare office, paid my XX/XX/2020 mortgage payment with a money order and got a receipt. Not only did they falsely accuse me of not paying my XXXX mortgage payment but they applied it to the wrong account! I have three accounts with them, and I told the woman at the front desk that I wanted the payment to go to my main account. The receipt she gave me states that it was applied to the account number on my billing statement yet a supervisor told me it was my fault that it was applied to the wrong account! They have charged me FIVE late fees! They are charging me late fees for not paying a late fee for XXXX ( which was their fault ) and for XXXX which was my fault. 

I have not missed ANY mortgage payments, and these late fees total {$690.00}! My late fees are normally {$130.00}. XXXX hasnt even arrived yet and they have already charged me a late fee!
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, TransUnion, XXXX XXXX XXXX, and XXXX, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the Congressional policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law. 

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, TransUnion, and XXXX, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I fell behind after being misinformed when applying for my loan. I was misadvised that I'd be able to apply for a refinance shortly after receiving the loan so that my payment could be lowered which was not the case. Due to this misinformation, I took on more than I could afford to pay and once I fell behind it became a struggle to bring the loan current. I was also unemployed in 2018 which caused a further strain on my finances so I have been struggling for years at this point. I am now in the process of applying for a short sale and I have submitted the application documents but I need PHH to allow me at least 60 days to meet all of the requirements. I have a willing and able buyer ready to make an offer on the property. Can someone please help me reach out to PHH for assistance? I want to settle the loan so that I don't have to deal with the ramifications of a foreclosure auction on my credit since I have been working for the past 3 years to rebuild my finances and creditworthiness. I am raising a family and if the house gets foreclosed on that would devastate my family. Please help!
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

After a re-fi, I received the new mortgage company information and set up a bi-weekly payment on my bank 's website. I always pay 1/2 payment and am always 1/2 month ahead of schedule. I get a phone call telling me I am late and they need a payment. I look at their payment history on my loan and they are all there- Including the first half of XX/XX/XXXX! they will not get back to me, they are still showing XX/XX/XXXX is unpaid and now 20 days late-
Consumer complaint received 2023-06-22
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-06-22
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$1900.00}
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section XXXX ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, TransUnion, XXXX XXXX XXXX, and XXXX, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the XXXX policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( XXXX ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law. 

Further, 15 U.S. Code 1681s2 ( A ) ( XXXX ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, TransUnion, and XXXX, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2021 I received multiple emails welcoming me aboard to a new Suntrust banking account and and order of checks but I was not able to access the account. 

On XX/XX/XXXX I received an additional email confirming that the account had been enrolled in overdraft protection. 

I called the bank and reported the account as fraudulent and had the account closed.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/2021 Keep receiving numerous call stating that suspicious charges were found on my credit card of {$14000.00} for a new XXXX  and want me to give them access to my email address and cell phone number to check back with me. The caller was information came from XXXX XXXX County and the phone number is XXXX XXXX. Contact my credit card company and was told nothing suspicious was showing on my account. They told me report this information to you because the company takes this serious and wants to protect their customers. I did not give out any personal information. 

Thank you.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: State Finance Company (TX)

XX/XX/2020, an agent from Broadway fiance called me, and informed me, that if i just made one payment it would bring my account up date. As of today XX/XX/XXXX, it still sHows i am 90 days paat due, no money has been applied to the account. 
The agent told me false and misleading practices. I spoke with an agent today, name XXXX, that told me, yes you paid on it, but its still past due, and we are going to report ur payment but we just havent done it yet. 

I asked him why was i told diffent, on XX/XX/XXXX, he said they didn't mean it that way. 
I did inform XXXX  i am reporting this.
Consumer complaint received 2022-11-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (KS)

Bought used car on XX/XX/2022, had it delivered to my address in XXXX, XXXX. Carvana registered my new vehicle in the wrong state ( XXXX  ) and isn't helping to get it registered correctly in XXXX. I can not drive the car until they fix this problem and get it registered correctly in XXXX. I've reached out to them multiple times since the purchase and they still havent even started to fix the problem.
Consumer complaint received 2022-07-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, 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 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Payments are showing late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Have disputed with all 3 bureaus with no response.
Consumer complaint received 2023-06-22
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

I have been banking with Chime at the start of XXXX. Ever since then I had not ran into any issues until XX/XX/XXXX when I had XXXX $ stolen from me from an unauthorize transaction to XXXX. I was able to call them on my XXXX  XXXX at the time but they never responded back to me about the refund in credits. Later in the month of XXXX my Pixel XXXX had been broken and had sent out to be repaired so I haven't had phone service since then and had to connect to customer support via WiFi Calling. I had notified them of the incident and told them of my dire situation. Then on XX/XX/XXXX I contacted Chime about my current balance and if any transactions have occurred on my account since I am unable to login to the app via XXXX lockout. They responded as if nothing was wrong and I had the current weeks paycheck on the checking account. Through a lot and back and forth calling online I was forced to get my old debit card active again to try and access my funds. After failing to get any of my funds out for the next 3 days, I called back Chime to get notified that XXXX $ had been taken from me by an unauthorized transaction to USPS.XXXX. I had filed a dispute once more while on contact with them and they had stated it would take 24hr-48hr to get back to me. They got back to me a few hours later and closed the dispute with no credit given back to me. Then on XX/XX/XXXX, they had closed off my account and credit card thus not having a way to call and respond back to my issues.