davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
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: Park Hill Holdings (VA)

On XX/XX/2022, I entered into a residential Apartment Lease Contract with XXXX XXXX XXXX XXXX, XXXX, a/k/a XXXX XXXX XXXX  ( XXXX XXXX XXXX ) ( the " Lease Agreement '' ). 

Paragraph 8 " Insurance '' of the Lease Agreement states in part, " We [ X ] do not require you to obtain your own renter 's insurance in order to protect you and your household and your guests or invitees from any losses to personal property and/or to personal injury proximately caused by any occurrences or incidents ... '' Paragraph 8 does require the " purchase ( of ) personal liability insurance '' on behalf of the Owner. 

A separate Lease Addendum specifies that personal liability insurance in the amount of {$100000.00} is required under the Lease Agreement and grants permission the Owner 's vendor to monitor compliance with the personal liability insurance requirement. 

On XX/XX/2022, I forwarded my Evidence of Insurance for renter 's insurance with XXXX to Owner 's agent - " XXXX '' - including proof of the {$100000.00} Personal Liability coverage and the receipt indicating the the annual premium was paid in full. ( see attached ). 

On XX/XX/2022, I received a response claiming that my renter 's insurance was " not verified '' because the policy did not reference a third party vendor, " Safe Rent, '' as an Additional Interested Party on my policy ( see attached ). 

I responded that same day stating that " Safe Rent '' is not named anywhere in the Lease Agreement and requested verification of their claims regarding my renter 's insurance policy. ( see attached ) On XX/XX/2022, I received the attached email from " Safe Rent Solutions '' stating that I would be charged a {$50.00} " non-compliance fee '' for not purchasing an insurance policy through Safe Rent or adding Safe Rent to my XXXX renter 's policy. 

I have revoked all permission for " Safe Rent '' to contact me. I have complied with all terms of the Lease Agreement, including furnishing proof of Personal Liability Coverage through XXXX with the annual premium paid through XXXX XXXX do not believe the Lease Agreement requires me to add a Credit Reporting Agency to my policy of insurance.
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: N.A.R., Inc. (UT)

NAR, INC is trying to enforce a settlement judgement and execution of writ on judgment proof assets and income as my only source of income has been XXXX. Repeated harassment at my residents which recently my landlord office received complaints from neighbors that a constable service from XXXX XXXX, who continues to bang on the door and altering my door by taping up the door with notices. This is my residents but I do not live in my unit for my own safety as I stay elsewhere. However, I am receiving contact from the landlord office about their constable service disturbing the peace at this community residence.
Consumer complaint received 2022-10-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NY)

I have filed a dispute regarding the incorrect items on my credit report as it is a direct violation of U.S. Code Title 15. Section 1681a ( 15 U.S.C. 1681a ). 

The following late/missed payments are incorrect FEDLOAN Account Number : XXXX XXXX 4 missed/late ( XXXX, XXXX ) XXXX 4 missed/late ( XXXX, XXXX ) XXXX 8 missed/late ( XXXX, XXXX ) Please remove. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (PA)

Sunlight Financial XXXX  are taken out under false pretenses with high pressure predatory sales. Sunlight financial charges a 29 % dealers fee/ origination fee and will raise price of monthly payments after 19 months unless we pay a hefty payment out of pocket. We were told by XXXX XXXX that we would receive a rebate check from them to cover this but never received it. Sunlight financial also assured us that XXXX  would send this rebate check so we wouldn't have to worry about our payment going up however pink energy soon closed its doors. The price we were pitched does not show the breakdown of what the money is going towards so we had no idea a good majority of the loan was for the dealers fee. Essentially what they are doing is taking advantage of the 26 % federal income tax credit in order to capitalize off of the tax savings that homeowners get to claim. We were originally told that the loan would only be {$40000.00} then when we got the paperwork back the loan amount was {$82000.00}. When we told them that it was way more than we could afford and told them we did not want to move forward we were threatened with a bill of {$5000.00} that needed to be paid in full for their " time processing the loan ''. When we told them that we are unable to pay {$5000.00} they said our only option was to move forward with the loan. After doing more research we found that this same tactic was used with a large majority of their customers and many were forced to take on a large loan that they could not afford. They have also partnered with XXXX XXXX XXXX XXXX for years and knew that they were selling customers faulty systems.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX I attempted to make a payment of approximately {$2800.00} to my Chase Bank Credit Card account. The deposit consisted of 4 checks along with roughly {$1000.00} in cash. Unfortunately two of the check amounts were apparently were entered incorrectly by teller. One check was for {$690.00} and incorrectly entered as {$640.00}. The other was a check for {$730.00} that was entered as {$700.00}!! I contacted Chase the same day and they ere immediately able to review payment and acknowledged checks were entered incorrectly. They assured me that correction would be made since this was clearly a bank error. I followed up with a phone call on the XXXX because I had not received a credit and much to my surprise was told a supervisor named XXXX, in the payment department that I had been misinformed and that absolutely nothing can be done since amounts have already been withdrawn from banks????? Even though one of checks in question was actually a Chase bank check .I was told only thing I can do is to go back to makers of checks and have them pay the difference. I attempted 3 times to have my concern escalated and was put on hold for over 40 minutes ( I had phone on speaker ) and no one ever picked up?? I have since found out that the one check for {$690.00} did clear for {$640.00} so I will be able to get difference from maker, the other one for {$730.00} was in fact debited from that payee 's account for the full {$730.00}, see attached statement, although Chase only credited me {$700.00}. I have expended well over four hours trying to assist Case in correcting THEIR ADMITTED PROBLEM, but to absolutely no avail. While I know the dollar amount is insignificant, the total lack of service and inability to resolve a clear mistake is. I often make payment with money orders, I can't even imagine what someone would have to do to if Chase accepted that type of check and made a similar mistake.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I have a checking account with wells Fargo. Due to my XXXX being stolen, several XXXX  transactions went thru for the amount {$580.00}. I disputed the transactions on July 3rd. Due to other fraudulent activity i was told to file a separate claim for the XXXX  transactions which i did on july 19 and was given the provisional credit. On july 21st i got a letter stating that the investigation was completed and that the provisional credit will be reversed since they say the XXXX transactions where approved by me, which is untrue. The claim # i have with wells fargo is # XXXX. I did not make the transactions it was just by a push of a button on my stolen XXXX and if wells fargo honored the other fraudulent transactions totaling {$9700.00} ( claim # XXXX ) they should honor this as well.
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX XXXX  Case Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Case Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-03-09
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. (FL)

XXXX XXXX provides incorrect credit scores to various creditors. I make six figures and over the past year I tested and applied for 2 credit cards. All my bills are paid on time. The only debt on my credit report and XXXX in both applications recommended denial of credit. Stating I have delinquent accounts. This is retaliation and discriminatory.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NV)

Hyundai Motor Finance has not reported on credit report since XX/XX/2022. Vehicle has been paid off and XXXX has not updated balance. Due to lack of reporting my credit score is effecting me in trying to get a mortgage.
Consumer complaint received 2022-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (PA)

Please provide validation of the debt that is the actual accounting that is a signed Invoice A copy of the Contract binding both parties This company has violated my privacy. There is no record from me granting permission to furnish this account. The negative information is adversely impacting my life. It is inaccurate. Please remove immediately 15 USC 1681
Consumer complaint received 2022-03-09
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2022-03-09
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. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-10-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (NM)

XX/XX/2022 Notified Ally Bank that I wanted to transfer my IRA Acct to XXXXXXXX XXXX. 
XX/XX/XXXX, I was told by customer service that I would need to file an application to participate. I did that and uploaded it to my Ally Bank Customer Service. Note : This account has been at Ally Bank for 10 years. Acct ending in XXXX. 
I thought that didn't sound right so I told them I would do a bank to bank transfer. I submitted the paperwork to XXXXXXXX XXXX where I want my account transferred. 
I called Ally bank customer service several times with hold times of about an hour to talk to a representative. The associates were always courteous and tried to be helpful but they clearly have no control over Ally Bank 's corporate delay tactics. 
On XX/XX/2022 was told that XXXX XXXX didn't sign bank transfer request form. I contacted XXXXXXXX XXXX and they said they checked the it had been signed but would resend it. 
XX/XX/XXXX, Ally Bank received the second transfer request from XXXX XXXX 
However they couldn't find the the application to participate again. This time I sent it XXXX overnight so I would have documentation since it had become clear to me that Ally Bank was just delaying and their word is not to be trusted at Executive Customer Relations. 
On XXXX XXXX, 2022 they finally closed my account and deducted an early IRA CD withdrawal penalty fee of {$270.00} which I agree was correct. 
On XX/XX/XXXX, I was told the check to XXXXXXXX XXXX is in the mail. It is now XX/XX/2022 and the XXXXXXXX XXXX has not received the check. 
Please help me to expose Ally Bank. I am XXXX XXXX XXXX, I lost XXXX of my siblings in the past 20 months and I really don't need this additional stress. Elder Abuser?? They have my entire retirement savings out there somewhere. 80 days and counting. A major Bank clearly just delaying sending an old man his money.
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

PLEASE NOTE THE LAST FOUR OF MY SSN IS XXXX. I WAS UNABLE TO LEAVE THIS IN THE SPACE PROVIDED LATER IN THIS FORM ( ON THE FOLLOWING PAGE : PROBABLY DUE TO A COMPUTER GLITCH. PLEASE INCLUDE THIS IN MY REPORT TO THE CREDIT BUREAUS I have tried contacting all 3 major credit bureaus. I wish to dispute all the credit inquiries for the month of XX/XX/2022. I was told repeatedly by ALL the bureaus phone reps, and mutiple sales reps that I could get quotes for car shopping etc without it harming my credit. It did indeed harm my credit and drastically so for that matter. I was not wanting or aware of what I was supposedly consenting to. I thought the dealerships were basically going to do a soft credit pull. I wasn't aware that we going to submit in such a way that I would end up with over 40 hard credit pulls!

I spoke with a sales consultant that explained often most dealerships do not care and will essentially tell the customer whatever they want to hear. I feel that I was sincerely mislead. I have tried calling and submitting dispute online. The credit agencies have very POORLY trained employees, seemingly. They have also informed me several times that shopping around for a car ( so long as it's with the same time span ie 2 weeks, won't ding my credit ) my score dropped XXXX points solely because of this. 

I am a XXXX veteran with head injuries and other XXXX ratings. I really don't appreciate what feels like happened. This seems and feels a bit reckless what happened. The dealerships could and should have better explained themselves. This credit bureaus also gave me false information. Insult to injury the actually seem almost hell-bent on not helping to resolve these matters. 

It seems credit monitoring via their sites and credit lock services are a cash cow for them. I think they are purposely making things more difficult and not being through with their investigations. Even though it's a multiXXXX dollar industry, it seems that greed is still blinding ( at least some of the employees ) supervisors are people in the legal departments where very difficult to reach. 

The one person I was transferred to who was supposedly from the legal department seemed VERY ignorant on what all the FCRA laws were and didn't seem to really care at all and didn't seem interested to hear an explanation of the code and statues I was trying to site. 

There have been several other serious inaccuracies on my report. They are also not conducting proper and through investigations as per my request. For example XXXX details given about who they independently re-verfied with, the information in dispute.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

The address currently reported is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX PLEASE CORRECT THE ADDRESS AS FOLLOWS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX XXXX
Consumer complaint received 2022-03-09
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. (IN)

Please read attached FTC report. Equifax, XXXX, and XXXX I have called millions of times to get this issue resolved. I have a fraud alert there is NO WAY possible my credit should be able to be ran, There is 10 hard inquiries that was ran in XX/XX/2021 which NONE I have authorized please delete from my credit report. The XXXX  XXXX loan delete if it wiont report accurately I have uploaded the title, XXXX XXXX has no proof of ID or anything on file, they advised anybody can get utilities on please delete that from my credit report as well, and XXXX XXXX apartments, somebody moved in my name which I have no clue on how that was done. This is becoming a headache and draining to continue to say this over and over and nothing be done about it.