davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (ID)

After moving states I started having issues with them losing my current information and when I want to make a payment early or the due date it will only give me error codes, I have been having these issues for 2 years and I have to wait till its late and receive a call from them. Then I have late fees and it hits my credit it for being late, even tho I try to make it on time. I spoke to a supervisor months ago and was laughed at and told that their side has different information and have to pay with card with additional fees or they will take the car. They never help and have complain multiple times to them and its the exact same every month. I finally called around for help and found you guys. I really need help because the moment I got the car I been pushed back into a corner with the dealer ship and west lake. I am unable to refinance it due to the late payments.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

On my credit report on ( XX/XX/2022 ) states that my car note went up {$190.00} dollars! Ive contacted Ally Finance and they said that they dont see anything on my profile stating the increase. Ive been paying the same amount since I financed the car nothing has changed!
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (FL)

Recently went to the car dealership to LOOK for a new car and without my permission, my credit was ran a ridiculous amount of times to a few companies. the date was XX/XX/XXXX that the Hard Inquiries were added. It was added from 7 different places. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

I reported fraudulent activity that I noticed on my account to Chase bank and my claim was denied. 

Brief summary : I paid to park my car at a parking lot in XXXXXXXX XXXX at XXXX XXXX XXXX XXXX using my debt card. 

A few hours later I was called by the fraud department of my banking institution stating that there was illegal activity on my account and aksed me to confirm if the transactions were valid. During the call they texted me a verification number and my banks information was listed as the caller ID. I denied that validity of the charge as it occurred in a different state. During this process, I was relocating to another state with my family. We stopped thru several states on our way to our final destination and I was not closely monitoring my checking account due to driving. 

Upon arriving at our final destination, I noticed that there were XXXX fraudulent transactions that occurred on my account in total. XXXX transactions occurred at ATM machines, XXXX occurred online ( XXXX XXXX ) and XXXX occurring at a XXXX XXXX store in a state that I was not in. 

I submitted the amounts and details of the fraudulent activity to a online banking representative, received a partial refund, and was told my claim would be processed following an investigation. 

Several weeks later I received a letter stating that my claim was denied. This is grossly incorrect and I am taking all and every necessary step to report and reinvestigate my case.
Consumer complaint received 2022-08-20
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Record XXXX XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Employers : XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public XXXX : XXXX  XXXX Bankruptcy XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Employers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Record XXXX XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-24
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: Nelnet, Inc. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. XXXX5 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 2022-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Apelles, LLC (IL)

I am aware of the debt and in the process of arranging payments The debt collector is calling places of employment and I have co workers now entitled to information that is not any of their business please ask the debt collector to only call my cell XXXX or home phoneXXXX, if I don't answer leave a message or mail me a bill. 

my employer does not allow employees to accept personal phone calls
Consumer complaint received 2022-08-19
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-22
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. (MD)

XXXX accordance with the Fair Credit Reporting act XXXX  act # XXXX, XXXX, XXXX, XXXX, has violated my rights 15 U.S.C 1681 section 602 A States that 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 2022-08-19
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. (MI)

My credit report stilll show inaccurate comments in Disputes On inaccurate accounts on credit report. 
they where not investigated. This is grounds for removal they also violated my rights under This Correct information Listed below should only be on my credit Reports Correct Name XXXX XXXX XXXX Correct Date of Birth XX/XX/1979 Correct Address XXXX XXXX XXXX Michigan XXXX Correct Social Securit ; y number # XXXX Correct Phone # ( XXXX ) XXXX Correct Email Address XXXX XXXX
Consumer complaint received 2022-08-19
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. (MO)

My name is XXXX XXXX and I am a Consumer and I sent a Dispute letter to Equifax on XX/XX/XXXX along with Proof of Identity, specific information that is a result of identity theft, and a copy of complete and submitted Identity Theft Report with the FTC. 

In return Equifax responded, with a letter stating that they will not block and remove the 3 accounts that I requested. But in the 2nd Paragraph of the letter, Equifax stated that in order for them to block the XXXX accounts under Section 605B of the FCRA I will need to provide them with the following information : Proof of Identity, specific information that is a result of identity theft, and a copy of complete and submitted Identity Theft Report with the FTC. It's crazy because I submitted all 3 of the necessary documents that's needed in order to follow Section 605B of the FCRA and block and remove the items. 

I called Equifax and explained to them what they have failed to do and as a result violate my consumer rights. I talked to a representative and she said they are in fault and she reviewed my file and seen that I had everything that is required to block and remove the 3 accounts. She gave me a confirmation # XXXX and said that the 3 accounts would be removed but they still remain on my Equifax Consumer Report. I look forward to hearing from you and taking care of this matter.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

I submitted a complaint regarding this account to CFBP on XX/XX/2021. The complaint number is XXXX. The company resolved my issue. The following month, the company re-created the exact same issue. I contacted the company directly and they agreed to resolve the issue again, which they did. This is at least the third time that the company has placed a promotional balance on my account that does not in fact exist. If they had closed my account either of the prior two times after correcting their error, this third error would not exist. I am requesting that the company again correct their promotional balance error, but this time close my account immediately so that there is not a fourth occurance.
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

on XX/XX/22 approx XXXX I received a text that looked like it came from Chase stating that someone had made a {$5000.00} XXXX  payment from my account and it asked if it was me. I sent a text back no and then immediately got a call from a man identifying himself as an employee of Chase in the fraud department He was talking rather fast but was saying that I needed to take steps in the next few minutes to block the transaction or it could take several months to get my money back. I challenged him about whether he was really from Chase but he told me to look at the number he was calling from and stated it would be the number on the back of my chase business card as customer service. Although I still felt reservations I proceeded to listen to the steps he told me to take. Put my name as the receiver, {$5000.00} in the amount and then gave me a number which he said was my claim number. Every hesitation I had he had a quick come back which kept me in the manipulation. I pushed the final button and he hung up, and I knew I had been scammed. I believe he had some way to read my log in and password because 7 days later a chase amazon card whose number was in my online banking was used to make a purchase at a near by XXXX for over {$1300.00} but chase stopped it. I immediately notified Chase and filed a claim. The Chase employee who talked to me said that I would not be held responsible when someone impersonated a Chase employee. When I called in 8 or 9 days later they told me they were not going to pay me back and that they had filed a claim with XXXX. on the XXXX of XXXX I received an email stating they would not pay. I found information on the Electronic Fund Transfer Act and read about examples of someone impersonating an employee and inducing a consumer to make a payment which was considered an unauthorized transaction under this act. I questioned online with Chase whether this situation fell under this act and received no response.
Consumer complaint received 2022-06-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (GA)

Applied for automobile financing at XXXX via Westlake Financial Services and a down payment was requested three times each on XX/XX/2022 and XX/XX/2022, which is a violation of 15 USC 1601, 15 USC 1662 and 15 USC 1691.
Consumer complaint received 2022-08-19
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: HYUNDAI CAPITAL AMERICA (NJ)

KIA motor finance stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and XXXX  handled the case. XXXX  sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to KIA not sending paperwork correctly. Can have XXXX  provide information on that statement. 
XXXX  said the {$500.00} was not due KIA, I can request phone recordings. 
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after KIA bulk reporting several months of late at once and after XXXX  informed me that the {$500.00} was not due to KIA. KIA says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting XXXX  said not too pay. KIA emailed a letter with different numbers, we paid the {$500.00}
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (DC)

I'm really very upset at U.S. Bank. 

On or around Monday XX/XX/XXXX I was trying to login to my online banking, using the same username / password I always use and is saved in my password manager. After experiencing problems, I called the number on the screen with the error message that my 'Username had been disabled '. I have no idea why. 

The First agent was unwilling or unable to validate me b/c I didn't have my full account number available, and didn't know the date I 'opened the account '. My wallet and card were in my car, and I don't receive or keep paper statements. No other bank asks for this. 

They were rude, and unhelpful. So I called back, and got the same runaround. Was willing to answer ANY other security question, or provide personal information. Didn't help at all. The next day, I went to get my wallet and US Bank Visa to provide the information. 

Today ( Wednesday XX/XX/XXXX around XXXX PM ) I called a different number on the back of my card, and explained this. She had me try to login again from a new browser, which initially worked just fine, and asked me to change my password which I did and as part of this had to enter a code sent to my mobile phone, which worked initially. 

However, when trying to login again it gave me the same error. That my user ID had been disabled. She then transferred me to 'Web Support ' who proceeded to explain my User ID had been disabled *today* ( even though I've been getting the error for 3 days ) and that I would have to call back Friday to try and resolve this... What???? 

I asked *why* my UserID had been disabled in the first place, when all I want to do is make a payment on my account and my car payment... She could not give me an answer, other than call back Friday. I asked to speak with a supervisor, but she told me even a supervisor could not do anything. 

So now I've wasted at least an hour of my time ( *Worth $ XXXX {$1000.00} ) and have gotten nowhere ... To make matters worse, I have to call back on Friday and attempt to resolve this again, when I've done nothing wrong to cause any of this. It's incredibly frustrating.
Consumer complaint received 2022-06-22
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. (TX)

I received a detailed credit report with inaccurate information reported on my consumer credit report address XXXX XXXX XXXX Tx XXXX XX/XX/2021 on XXXX. XXXX XXXX XXXX Tx XXXX on XXXX and Equifax inaccurate. Date of XXXX on XXXX is inaccurate. My previous addresses ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 ) ( XXXX FM XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) are inaccurate. Employer/Current employer XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX inaccurate. Also Known As reported as XXXX XXXX Inaccurate on XXXX. The companies XXXX Equifax and XXXX have violated my rights in accordance with FCRA U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction. As well as under, 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ) my rights have been violated as such under 15 USC 1681n ( a ) ( 1 ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus and accounts associated with the inaccurate information.
Consumer complaint received 2022-08-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

This is not a matter that I need personally resolved. I am fine. I have not fallen for what I view as the predatory behavior of Nationstar DBA Mr. Cooper. Rather, I simply would like to draw this to the attention of the CFPB because in my opinion its despicable, wrongful, predatory, misleading, and for all I know perhaps it is illegal. 

A few months ago the servicer and owner of my VA Mortgage ( XXXX ) transferred ownership of the mortgage servicing rights to Nationstar DBA Mr. Cooper. Previously, they had been the sub servicer. 

Since then, the new loan servicer ( Mr. Cooper ) has been trying to get me to refinance my loan by sending me monthly solicitations. In my view, they are not doing so in good faith. For example, today I again received a flyer in the mail from Mr. Cooper which says : Now that youre a Mr. Cooper customer, well be keeping an eye out for ways to make your loan even better. 

Keep in mind that I am only their customer involuntarily. In any event how does Mr. Cooper propose to make my loan even better? By replacing it. Yes, according to these guys, my loan will even better if I engage in a cash out refinance. So my loan ( 30 year VA fixed at 3 % ) would be replaced by their loan on terms XXXX  but certainly not at 3 percent. 

If they want to send advertising to their captive customers I suppose thats their privilege, but it should not be ok to do so in a manner apparently intended to entice potentially gullible customers with what ( in my opinion ) are lies. If my loan is to be replaced, as they propose, it could not be even better because it would no longer exist. Further, putting that silly rhetoric aside, it is simply false by any reasonable standard to suggest that the loan they are proposing is even better than the one I have. 

As I said above, this is not a personal problem for me. I am not fooled by this. I have no interest in refinancing and would never voluntarily enter into a new relationship with Mr. Cooper. I simply want to suggest that the CFPB might want to look into this kind of advertising by this company. It really is unconscionable.
Consumer complaint received 2018-05-25
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. (NY)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date opened>> XX/XX/2016