davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (DC)

On XX/XX/2022 I attempted to pull my annual credit reports from annualcreditreport.com. I encountered an error when pulling my Equifax report - receiving a " we can not complete your request at this time. '' However, I was able to pull XXXX and XXXX. I thought that was odd, but decided to go directly to Equifax 's website to try. 


When I attempted to pull an Equifax report from XXXX, I again encountered an error, " We can't complete your request at this time. Please call the Customer Care team. '' When I called Customer Service and asked for assistance they stated that I was not able to pull my report because " my credit profile was missing a verified birth date. '' When I asked for more information and an explanation for how this could have occurred the representative stated that a lender must have submitted a different birth date and/or different information. When I asked more questions about how it's possible for a lender to revise or influence this information- which I found to be concerning- they could not give me a reasonable explanation. The rep said that they would input my birth date but that the change could take up to 30 days. When I stated that waiting 30 days for my report was unacceptable- especially seeing as this seemed to be an issue on their end- they stated that there was " nothing they could do. '' I asked to speak with a supervisor to get further clarity as to how this had happened and which lender caused the issue. The supervisor I spoke to again echoed that there was nothing I can do and that I had to wait. They also then told me that I needed to send a copy of my drivers license, birth certificate, and some other document to verify my birth date. I stated again that it was concerning that a lender supplied information that resulted in Equifax deleting my date of birth or having inaccurate information. When I protested this, the supervisor backed off and stated that it wasn't necessary for me to send additional information to verify my birth. 

I am incredibly concerned by this issue - that a lender somehow changed how my personal information is reported, but also that this is preventing me from accessing extremely important and time-sensitive information. At current, there are inaccuracies that are only showing up on my Equifax report and not the other credit reporting agencies. These inaccuracies are causing me serious financial issues since it's resulting in me being declined for a loan and my pre-qualifications for a mortgage is in jeopardy. I can't afford to wait 30 days to dispute the information on my report. 

I requested a complaint be filed, which the supervisor submitted, but I have concerns about it being dealt with appropriately.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (IL)

XX/XX/XXXX - unauthorized transaction on my account for {$110.00} using a debit card that had never left my apartment. I immediately attempted to cancel the card but there is no way to do this without calling Ally Bank. After waiting over 90 minutes to speak with a representative, they cancelled the card while also letting me know that there were multiple other pending charges that had been declined from that same night. Two days later on XXXX XXXX  another charge was attempted on that card. After another 60 minutes on hold, the representative informed me that the other charges were pending, not declined, and I may have to separately dispute them after they post. This is still on a debit card that had never been used. Ally Bank has made no statement as to how debit card information is being accessed for fraud purposes and their inabilty to manage this is a problem for all their customers.
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. (TX)

I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I notice some late payments posted on my report : XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did i give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

company has failed to do a proper investigation and has not responded to my written requests sent out on XX/XX/XXXX which they received on XX/XX/XXXX all the accounts must be deleted and removed they are in violation of FCRA as well as my consumer rights to right of privacy! They have been on violation of multiple 15 USC 1681 they are also in violation of FCRA section 623 XXXX vs XXXX XXXX corporation us court of appeals for the third circuit court case 115 f.3d 220 XX/XX/XXXX, filed ( XXXX XXXX. XXXX ) FCRA section 611 part ( A ) ( 1 ) please do a proper investigation this has done actual damages for years with 0 issues being able to be resolved
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I have tried to use the Chase bank ATM located at XXXX XXXX in XXXX, MI. There were two ATM 's, on apparently has been stolen and not replaced for more than a month and the other ATM, the one that I tried to use did not have cash for two XXXX XXXX in a row. My wife also had a similar issue with trying to use her chase ATM card at a ATM location in XXXX, MI. 
I spoke to the XXXX XXXX XXXX asked that any fee I incur for using a non chase ATM be refunded since the Chase ATM at this branch has been out of commission for some time. 
The associate at the branch stated that they are unable to waive any fee for use of a non chase ATM. 
Please investigate this issue with regards to Chase ATM not working at multiple locations and hold Chase bank accountable to pay any fee for use of non Chase ATM when Chase ATM 's are chronically not working ( dispensing cash ). 
Please do not hesitate to contact me if you need any further information in this regard. 
Thank you.
Consumer complaint received 2022-11-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

On XX/XX/XXXX I opened up a bank account at Chase Bank and deposited {$5000.00}. 

On XX/XX/XXXX I found out that the bank account was closed, this was due to no activity in the account, most of the money was taken by the bank and the XXXX  XXXX dollars that were left could not be returned to me due to the account being closed. 

Unfortunately I was bounced around from representatives to representative and was unable to get anywhere with them. 
I learnt that the account was grandfathered in ( I don't know what that means ) and that they can't see the history of the account. 

My questions are : -Why was money taken out of my account? 
-If the answer to that is Bank fees ( wish I understand is illegal ) why continue taking fees if you see the account is inactive? On the other hand why close the account if there's still a XXXX XXXX dollars in it? 
-If there is money in the account why not return it to me asap? this could be done by a bank transfer to a different bank
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (OH)

To Whom It May Concern : On XX/XX/2022, we applied for a mortgage to buy a house for XXXX from US Bank ( Loan # : XXXX ). On XX/XX/2022, we locked the rate of 3.25 % with the manager of U.S Bank ( see attachment 1 ). Following, we paid the Earnest money of XXXX. We paid all the expenses for an appraisal and inspection. The closing date on the house was on XX/XX/2022. 
On XX/XX/XXXX XXXX XXXX we received the denial letter ( see attached XXXX and XXXX ). Due to this, we asked the seller to release the Earnest money. The seller refused and stated that the US Bank employee XXXX XXXX contacted them directly to tell them that we were approved for loan but with different terms. The seller contacted us though our broker XXXX and we provided a US Bank Loan Decline letter. The seller then stated that the letter was not real. The seller insisted that XXXX from US Bank told them that we did receive the loan. The seller, again, refused to release the Earnest money ( see attachment 4, please note seller referred to US Bank employee as XXXX XXXX ). We contacted US Bank and told them that they have breached our privacy by contacting the seller directly without our permission. This breach of privacy has caused a huge problem and incurred a large amount of stress. We are still trying to receive our Earnest money from the broker and seller.

This was poor handling and a breach of confidentiality of private financial information by US Bank. We have had a long history of loans with US Bank ( over XXXX XXXX ) that were paid without any delay. 
best regards
Consumer complaint received 2022-09-18
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: JPMORGAN CHASE & CO. (FL)

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also violated the law because according to : 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.

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information.

They did not do this!!

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm filing this complaint now because I've discovered Equifax is not following the GLBA ( GRAMM-LEACH-BLILEY FINANCIAL PROTECTION ACT ). Equifax is also violating my right to privacy and the FCRA ( 15 USC 6801 and 1681n ).

I am aware that without my lawful consent, my nonpublic personal information ( transactions such as negative information ) should not have been disclosed to a nonaffiliated third party.
Consumer complaint received 2022-07-27
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. (HI)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX 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 2019-02-16
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: GOLD KEY CREDIT, INC. (FL)

Gold Key Credit Credit Inc, XXXX XXXX XXXX XXXX, FL XXXX does not have a license to collect in Florida, they are constantly falsely reporting debt to my credit report that does not belong to me.
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)

In accordance with the Fair Credit Report XXXX XXXX XXXX XXXX act # 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.

I did not create any action to overdraw my account... that was created by the issuer for finance charges and fees. If I went over my limit on my own accord the charge would be declined. Since the bank does it then it is accepted and I'm penalized..
Consumer complaint received 2022-03-29
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. (PA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 2022-11-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc. (NY)

I used AfterPay to pay for a product I purchased on XXXX XXXX website. The item was never delivered to me. AfterPay still required me to pay every single payment for an item I never received and was never refunded for. I contacted AfterPay on XX/XX/22 and continued to speak with them via email through XX/XX/22. In the end I was forced to pay the entire {$60.00} for a product I ordered on XX/XX/22 but never received. Both XXXX XXXX and After Pay recognized that my order never arrived and was never even delivered to my apartment, but refused to refund me.
Consumer complaint received 2022-07-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (ME)

I just recently started checking my consumer reports from XXXX, XXXX, and XXXX and I noticed a account I didn't recognize. So this prompt me to find out why and who I allegedly owed a debt to. I ended up finding out that Jefferson Capital Systems , LLC has been furnishing my information to the consumer reporting agencies knowing that they had never contacted me to make me aware of the alleged debt. Ironically on XX/XX/XXXX they finally contacted me with their initial disclosure ( six months after " Regulation F '' effective date XX/XX/XXXX ). It's clear that they've been using a deceptive tactic called " Debt Parking ''. To prove this I am listing the account and the last date this particular account was updated on my XXXX, XXXX, and XXXX reports. This will prove that they've been furnishing this account to CRA 's without following the procedures and rules of the FDCPA. 
According to 12 CFR 1006.30 a debt collector must not furnish to consumer reporting agency as defined in section 603 ( f ) of the FDCPA 15 USC 1681a ( f ) information about a debt before the debt collector either speaks to the consumer in person or by phone, or places a letter in the mail or sends a electronic message to the consumer about the debt and waits for a reasonable period of time to receive a notice of undeliverability.

Also according to 12 CFR 1006.18 ( d ) A debt collector must not use any false representations or deceptive means to collect or attempt to collect any debt. These two violations alone are more than enough to pursue legal action against Jefferson Capital Systems , LLC. Listed below is the account number and the last dates updated for further proof. 
XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Last Date Updated : XX/XX/XXXX I am also attaching photo proof of the initial disclosure and it's date, along with photos of XXXX, XXXX XXXX and XXXX reports showing last date this account was updated.
Consumer complaint received 2022-04-23
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: JPMORGAN CHASE & CO. (MD)

I applied for a Chase credit card on XX/XX/2022. I was denied and given an adverse action notice that states information from XXXX was used to make their decision. However, my XXXX credit report was also pulled and resulted in a hard inquiry there too without being listed on the adverse action notice. There is no permissible purpose for pulling my XXXX credit report because it wasn't even used in their decision, as my application was instantly denied upon determining I had five or more credit card accounts opened within the past two years based off of my XXXX credit report. If I had frozen my XXXX credit report, this hard inquiry would have never happened because only my XXXX credit report was used to make a decision and the application would have gone through just fine. Additionally, XXXX refuses to accept my dispute for a hard inquiry even after submitting a CFPB complaint to them, instead forcing me to dispute directly with the furnisher, which just leads to another CFPB complaint except this time for the furnisher.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I was not properly informed of the mechanics, fees, interest on the plan. I was not aware that what they were and that the automatic charge was just the minimum payment. 

I can't find any signed documents that I read before and any calls where all of these were explained to me. 

I can't even access the online information after having called the bank.
Consumer complaint received 2022-06-21
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. (GA)

Greetings, In accordance with the Fair Credit Reporting act XXXX  following Address, Accounts, and Inquiries below, 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 a account without my written instructions. Lastly, LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. 

Addresses : - XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX Accounts : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX - XXXX XXXX XXXX : XXXX - US DEPT OF EDXXXX : XXXX - XXXX XXXXXXXX : XXXX Inquiries : - XXXX - XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX
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. (IL)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose