davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (SC)

n accordance with the Fair Credit Reporting actXX/XX/XXXXXXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX 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 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Consumer complaint received 2021-07-17
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: EQUIFAX, INC. (PA)

I requested that late payments on my account be validated for XXXX XXXX account # XXXX and XXXX  account # XXXX and XXXX XXXX XXXX XXXX account XXXX XXXX this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payment from my credit file your bureau provided me. to be more specific, based on FCRA 611 ( a ) ( 7 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute. After contacting the creditor i have been led to believe that THIS did not take place. this is a clear violation of the FCRA and the FCBA. You DO UNDERSTAND that per your own definition of it, YOUR VERIFICATION process, that is, e-OSCAR, is a web-based, METRO 2 COMPLIANT, automated system. Undoubtedly this cements the DUTY to present to me writ composed physical evidence for every single one of the aspects to the proper XXXX enacted XXXX implemented Metro 2 data field formatted COMPLIANCE regulations and the standards of reporting practices as related to it. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. I demand that you take action to correct your errors I request that you provide me with written documentation of how and what means you used to verify these payments. Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Should you feel, ERRONEOUSLY so, that the mis-information is adequately and COMPLET
Consumer complaint received 2018-12-21
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: JPMORGAN CHASE & CO. (OR)

Chase Bank is claiming and reporting an inaccurate credit card debt of ( {$3900.00} ) on my credit file. I've mailed them several dispute letters, asking for proof of their claims. Chase Bank has failed to show me any solid proof of their claim. Chase Bank mailed me a copy of a previous statement they claim is mine. The statement is not mine. It failed to show my correct and full name, the address is incorrect, they failed to show me any signed documents that prove it's my debt. I also believe the social security number used to establish this account is inaccurate also. I sent out my first dispute letter on XX/XX/2018.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a victim of ideninity theft trying despertly to resolve unauthorized charges Statement of XX/XX/XXXX has 16 Adjustment Purchases XXXX that are UNIDENTIFIED and New Purchases UNIDENTIFIED in the same amounts XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE IDENTIFY THESE who merchant why a new charge. I need to know what it is I am paying for Why does truth in lending statement say TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD {$450.00} I made payment {$77.00} and Account Summary says other credits {$700.00} PLEASE IDENTIFY these {$700.00} credits. IF MORE THAN {$450.00} WAS CREDITED THIS IS NOT A TRUTHFUL TRUTH IN LENDING STATEMENT IF ONLY {$450.00} PAYMENTS AND CREDITS REALLY APPLIED THEN I Am owed more credits Consumers cheated. Is statement UNTRUTHFUL or was I cheated out of credits I deserve? ALL CREDITS. GIVEN WERE TAKEN BACK How could this produce two credits for one purchase to legally charge it back If credit taken back it was never given How can you take back what you did not give without CHEATING CONSUMERS?
Consumer complaint received 2018-12-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A. (MD)

XXXX XXXX , XXXX and XXXX XXXX, XXXX are the same companies based on my research. However, this company is violating my privacy rights, infringing on my right of refusal, and calling me excessively and repeatedly for collection on the part of PNC Bank of Maryland. This collection is result of a repossessed car a XXXX XXXX XXXX. 

I purchased the car from XXXX XXXX XXXX  XXXX XXXX during the month of XX/XX/XXXX. Initially, the phone calls came from a unknown number. However, after I retrieved the voice mail I realized it was an employee of XXXX XXXX and XXXX XXXX, XXXX, which is the same company soliciting monies for the car. After the car was repossessed PNC Bank never notified me about the sale of the car, the amount it sold for, or whether or not I would have any residual monetary cost associated with the sale. 

My efforts to resolve, get information, and how important this was to my credit rating is an essential cause for this complaint. PNC Bank purposely and quite possibility exposed me to unfair loan practices used by XXXX XXXX   XXXX XXXX for the purchase of my car. 

For the record, I shouldn't have been approved for the car based on the following metrics : 1. As a new first time buyer with little to No credit or credit history.

2. PNC Bank worked directly in consultation with PNC Bank and it's history of using unfair tactics on minorities for the sole purpose to undermine, take advantage of, and possibility ruin their credit rating and histories. It has been documented as far back to XXXX. 

3. At the time of my purchase I wasn't employed long enough for such a price tag of nearly and over {$20000.00} dollars for a car which would have caused me great harm and distress. However, XXXX XXXX  XXXX XXXX XXXX sought to find a lender who was willing to approve this loan. 

4. PNC and XXXX are both causing me great distress and distrust for the outcome of this loan. 

5. XXXX XXXX have been calling me repeatedly threaten me with ruining my credit and asking for payments of the total amount of the car value of which PNC Bank should be totally responsible for at this moment. 

6. PNC Bank had a fiduciary responsibility to sell the vehicle for the highest possible price to offset the loan of which they approved of which based on the evidence and ability to pay should have never been approved. BUT IT WAS. 

Finally, I have asked XXXX XXXX to stop harassing me, calling me excessively, and attempting to blackmail me through ruining my credit and harm me financially.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

in accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX have violated my rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681 section 602 c ( a ) ( 5 ) no reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crime which antedates the report by more than 7 years 15USC 1681s-29 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is incorrect or inaccurate.
Consumer complaint received 2022-08-18
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. (NV)

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
Consumer complaint received 2021-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

XXXX XXXX A friends XXXX  profile message me I thought it was really my friend. Told me about Federal Government Grant who is the Attorney name is XXXX XXXX. That he RECEIVED XXXX GRANT AND TOLD ME TO TEXT THE NUMBER XXXX, SO I DID. THEN OUR TEXT BACK AND FORT GOING ON THAT AGENT SAID I AM APPROVED AND NEED TO CHOOSE ANY AMOUNT BUT NEED TO PAY DELIVERY FEE. 
So I PICK A XXXX WITH XXXX DELIVERY FEE AND NEEDED TO BE PAID ON THAT DAY SO MONEY BE DELIVERED WITHIN 24 HOURS. I GATHERED SUM OF MONEY AND THAT AGENT WANTS ME TO DO A FUND TRANSFER TO A NAME ; XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX ROUTING NUMBER XXXX WHICH I DID TRANSFER XXXX ONLY MONEY I HAVE ON THAT TIME AND AGENT TEXT XXXX BALANCE BE PAID THE NEXT MORNING. 

XXXX XXXX AGENT TEXTED ME XXXX NEEDS TO BE PAID NOW BECAUSE DELIVERY MAN WERE READY AFTER MY PAYMENT IS CONFIRMED AND WANTED ME TO SEND MONEY VIA XXXX TO ANOTHER NAME : XXXX XXXX XXXX XXXX XXXX AND I DID SEND VIA XXXX BACK XXXX THINKING ABOUT I AM RECEIVING MY FEDERAL GOVERNMENT GRANT. 
AFTER XXXX CONFIRMATION AGENT TEXTED THAT DELIVERY MAN WERE ON THEIR WAY. I WAITED AND WAITED NOBODY CAME. WHILE IM waiting, I CHECKED OUR XXXX  CONVERSATIONS OF MY FRIEND ( I THOUGHT HE REALLY WAS MY FRIEND ) ON XXXX/ XXXX  and REALIZED I NEVER HAD A CONVERSATION WITH THAT PROFILE EVER SINCE. NOW I JUST REALIZED I GOT SCAMMED.
Consumer complaint received 2022-08-18
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. (NY)

On XX/XX/2001 XXXX XXXX hit with a hard inquiry. I have tried on multiple occasions to have this removed sending letters and calling them over the past year. I asked them did I have new credit card or anyone apply for a new credit card they say no. I know I have had an account with them 5+ years maybe someone requested a credit line increase is the only other thing i can possibly think of that maybe I left the computer on at a library or somewhere I was at. I never authorized anyone to run my credit on that day and would like the inquiry removed. I am very happy with XXXX XXXXXXXX otherwise as i've been a long time customer but this inquiry I honestly have no idea what there talking about and is in accurate and erroneous
Consumer complaint received 2021-07-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (PA)

I began a refinance on XX/XX/21. I was set to close at a prolonged date of XX/XX/21. No one came to my closing. I was told a streamlined package was incomplete on the end of CitiBank. Apparently this has to do with the escrow. It has been over 40 days since then with no new closing date. This refinance loan has been in process for 142 days with the same company I have been with for 12 years. All I am getting is an escalation to prioritize with no completion. I resubmit paystubs, bank statements and my appraisal has expired for over 120 days. All I get is a run around.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Dept of Ed/XXXX XXXX XXXX XXXX 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 2020-10-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (FL)

On XX/XX/2020 I made my first payment for my mortgage. The funds were drafted out my account in the amount XXXX on the XXXX of XXXX to Movement Mortgage llc. To this day XX/XX/2020 they have yet to post this payment to my account. My bank has contacted them to help them retrieve the funds that were sent to them. I also have sent multiple emails to support providing proof of payment. The new servicer is threatening foreclosure and im receiving constant debt calls, and I was reported as being thirty days late to the credit bureaus which is not true. They informed my bank that they would post the payment to my account in XXXX and they have not. They are harassing me for a payment that has already been paid and my credit score has dropped significantly because of the false report they made to the credit bureaus.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (TX)

MRS BPO LLC has violated my right protected by the FDCPA with multiple violations. 
i sent my dispute letter thru certified mail tracking # XXXX. Requesting debt validation. I have not received any return mail from MRS BPO LLC within 5 business days of receiving my dispute to acknowledge that they have my request and are investigating the issue and or any documents to verify the debt according to 15 U.S.C 1692g ( a ) " contents of debt '' they have failed to do so and is grounds for removal. Also they violated 15 U.S.C 1692g ( b ) '' disputed debts '' for they have furnished the account to XXXX and XXXX without the debt being verified and validated. they also violated my rights 15 U.S.C 1692 b ( 3 ) for they reported it to XXXX and XXXX 15 U.S.C1692 b ( 5 ) on the content of mail they sent me furthermore the account information being furnished on my credit report has inaccurate dates open, high credit this is also grounds for removal
Consumer complaint received 2022-08-18
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. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX hard inquiry on XX/XX/22, 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 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My credit report shows a XXXX XXXX account ending in XXXX with the status " terminated ''. I was removed as an authorized user from this account. It should not be displayed on my credit report and the bank was informed.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act 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 2022-08-18
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)

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 719XXXX 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 daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (FL)

Hi, I am writing to figure out how to resolve my terrible situation. The point that I found some items that do not belong to me. I do not know them, I do not recognize them. I thing its a mistake in reporting or identity theft. Once there was a situation when somebody used my personal information so I guess therefore I have fraud accounts actually. Could you please explain to me what should I do?! How I can dispute them or could you please delete these accounts from my profile?
Consumer complaint received 2021-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (OK)

On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX in XXXX, OK. I financed through Ford Motor Credit for a 72 month term. At the time of the purchase XXXX had a promo running called XXXX XXXX XXXX XXXX XXXX which states that XXXX and XXXX vehicles were eligible to have no payment for the first 6 months. XXXX was going to make 3 payments on the customers behalf and the other 3 payments could be deferred. My sales person said that I would have to call Ford Motor Credit to get them to apply the promotion since they did not process it correctly at the dealership. I called them and the phone rep was able to move my first payment date 2 months but they still have yet to pay their 3 months worth of payment like it states they would do as part of the XXXX XXXX XXXX program. I recently inquired about this and they told me it was not part of my contract so they would not be paying the 3 payments.I feel like this was false advertising in order to get a sale. The promotion is still posted on their website https : XXXX