davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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 reporting act : 1. XXXX XXXX XXXX. ( XXXX ) XXXX. Dept of education/XXXX  ( XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX ( XXXX ) XXXX. DeptedXXXX  ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).
Consumer complaint received 2022-06-23
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)

all 3 XXXX Equifax and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. Fico score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by XXXX financial i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX  XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me XXXX XXXX not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.
Consumer complaint received 2022-04-24
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. (UT)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency connot furnish an account without my written instructions.

15 U.S.C 1681c ( e ) ( 5 ) Section States : no consumer 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 convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (VA)

My right to privacy is being violated by XXXX, in accordance to 15 U.S.C 6801 ( a ) FCRA. I have the right to privacy of my personal information. I find the obtaining, selling, and furnishing of this XXXX XXXX Bankruptcy information to be an invasion of that right and demand that the bankruptcy accounts be removed immediately from my consumer report.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

CHASE can delete the whole online account and not just the credit card ending in XXXX. And not mail all statements but just the statements with remaining balances ). 
Overall Chase system is full of glitches, with its representatives having difficulty comprehending ( unless I'm not conveying well ) and I'd rather be done with this. 
Thanks for your help.
Consumer complaint received 2022-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

From 2008 till 4 months ago I thought the only option I had was forbearance. Navient said my payments would be between 50 to 95 % of my XXXX only source of income. Recently got on XXXX $ monthly IDR. More than {$30000.00} interest added.
Consumer complaint received 2022-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MO)

I have attempted to contact FedLoan multiple times in the last month to receive a refund of student loan payments I made during the COVID Forbearance while I was also qualified for the PSLF program. I had received no response from FedLoan or any status updates beyond a confirmation of receipt of the email. This is unacceptably slow response time.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am looking at XXXX and this company is in clear violation. The loan balance for all 3 bureaus are showing inaccurate information and incorrect balances. I need this to be validated. Please send me the person you spoke to from the XXXX  and I don't want copies of no documents. I am requesting original documents which I am entitle to. Please remove this inaccurate information until you can show factual and valid information. I am enclosing proof from all different bureaus.
Consumer complaint received 2022-11-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: American Finance LLC (DE)

On XXXX day of XX/XX/XXXX, an agreement was reached between XXXX XXXX XXXX and XXXX XXXX XXXX who unlawfully assigned rights to a third-party agency name American Finance the property description of a XXXX XXXX XXXX which is indeed used for personal, family, and household usage. After exercising my right to cease and desist American Finance via phone call, they broke the violation and continued to email me using excessive documentation trafficking and threatening to seize my property if a payment on a positive balance not made in the amount of {$180.00} and {$170.00} due today.
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (DE)

I've opened checking account with Ally bank on XX/XX/XXXX. When I open this account, Ally bank sent me the offer that I'll receive {$250.00} bonus cash if I meet the requirement by XX/XX/XXXX. The requirement was 1. Enroll by submitting your email address and offer code ( XXXX ). 
2. Open and fund a new Ally Bank Interest Checking or Online Savings Account between now and XX/XX/XXXX, using the email address you submit. 
3. Set up Direct Deposit and receive a qualifying Direct Deposit by XX/XX/XXXX. 
4.Keep your new Ally Bank Interest Checking or Online Savings Account open and in good standing until we deposit your bonus by XX/XX/XXXX. 

I did everything for the requirement. I'd contacted Ally bank since XX/XX/XXXX, but it still no result about this bonus. They keep told me that my case is the priority case, but no one can tell me when I'll get my {$250.00} bonus.
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN : Dear Equifax , This is to notify you that according to my consumer demand to have no derogatory information revealing unless it is, as required by laws, proven completely to be true, correct, complete and certified compliant in detailing of that defamatory or potentially any part of it. I demand immediate erasure of any not testimonially genuinely verified certified all things considered. 
To the responsible party in question, you the credit reporting concerns of non-compliancy : It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and information you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at the very moment. 
These items are reported inaccurately : Derogatory Remarks/Collections/Accounts XXXX XXXX. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$10.00} XXXX XXXX. XXXX XXXX XXXX XXXX {$0.00} XXXX Unauthorized inquiries XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-04-24
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. (CO)

In accordance with the Fair Credit Reporting act. The list of accounts below has biolated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer 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 convictions of crimes which antedates the report by more than seven years. 

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 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

1.I have never had an account with this company ERC XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ENHANCED RECOVERY COMPANY the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (DE)

On XX/XX/2022 I visited a Chase Bank branch to submit a Power of Attorney document on behalf of my Grandmother who has XXXX and is a permanent resident of a XXXX home. I am trying to close a safety deposit box as Chase Bank is going to start charging for this service and she can not afford to pay. Further as her POA I have a fiduciary responsibility to make sure her money is being spent wisely. This is not a good use of her funds as she no longer needs a passport which is likely the primary object in this box. 

Today I received a letter ( attach ) that states : The Power of Attorney is being declined because The Power of Attorney does not grant the Agent authority to perform the requested transaction : Grant the Agent authority to perform the fiduciary transactions However the Power of Attorney submitted ( attached ) states the following : By way of illustration only and not attending any limitation I specifically grant to my attorney in fact General authority with respect to tangible personal property transactions, General authority with respect to banking transactions, General authority with respect to fiduciary transactions. 

Chase bank is denying my request on the grounds for an item that the POA specifically mentions. Further, the POA specifically states that this doesnt limit to powers granted. 

When my grandmother needed a XXXX XXXX account opened the XXXX folks told me to avoid Chase Bank as their legal department makes customers jump through hoops. I believe this denial, plus the difficulty with opening trust accounts, is a effort by Chase to discriminate against older and poorer folks who would have POAs and XXXX accounts.
Consumer complaint received 2021-09-01
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. (MA)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-06-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (TX)

I have tried several times to change my payment method so that I can pay the balance but it wont let me and tells me I have to contact customer service. I've reached out twice and have received no response ; but they continue to report my account as delinquent. I can't pay the bill if the system won't let me change my banking information to pay ; and they continue to report my account as delinquent.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (DC)

I called to report non-consented activity on my credit card. Company stated that it would issue me a new credit card number and card. Credit card never came. I never received a new credit card and then noticed a late payment fee on my account which makes no sense since I have autopay set up. I called PNC, they stated they closed my account at my request. I never requested the account closed. I have called PNC multiple times to try and get the situation sorted out. Every time they promise to escalate it, and no one calls me back. 

This has been going on for weeks.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (NC)

In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (MA)

This past week Ally Bank seems to have been hit with a string of fraudulent activity as there is significant activity on the internet users are calling out specifically ally. My account with ally is one of those impacted by fraudulent charges from XXXX XXXX XXXX and XXXX XXXX. Requested to chat with a customer service agent who 14 hours later at XXXX ( while I was sleeping ) finally responded with unhelpful information. Trying to get ahold of someone to discuss this fraudulent activity is absolutely painful and ally has been radio silence. Ally YOU need to be more proactive around these efforts and transparent, this is killer to any aspect of trust I have with you and my financial future.
Consumer complaint received 2022-06-23
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)

This is my SECOND complaint regarding the violation laws Equifax and XXXX have down causing me to be affected harshly through credit denials. 

I have several inaccuracies and inconsistencies in the bankruptcy reporting on my credit report. Since XX/XX/XXXX I have been disputed the reporting with all 3 credit bureaus as well the 3rd party data agencies XXXX and XXXX. 
XXXX quickly agreed with the inaccuracy and removed the reporting but both Equifax and XXXX have consistently responded to me with the same responses stating the bankruptcy has been verified. 
I sent letters to the courthouse the bankruptcy was filed to request how they go about verifying with the credit bureaus on reportings and they replied stating they do not furnish information to the credit bureaus. 
I then sent a letter to XXXX disputing the validity of the bankruptcy reporting and they responded by deleting the bankruptcy in XXXX stating they were unable to verify the accuracy. 
I contacted XXXX because in my research, I found on XXXX 's website at XXXX XXXX XXXX that they are furnish bankruptcies to XXXX, but they only furnish bankruptcies from XXXX to the present to XXXX and older bankruptcies are verified by XXXX from XXXX. I sent a letter to double check this and their response was that XXXX verified mine with XXXX. 
Both Equifax and XXXX have sent monthly responses to my dispute letters stating they verified the bankruptcy with XXXX. This is NOT POSSIBLE because XXXX deleted the bankruptcy back in XX/XX/XXXX. This means Equifax and XXXX are not and did not conduct an actual and proper investigation and are violating my consumer rights! Them continuing to report the bankruptcy is illegal! 

I'm attaching the letters I sent and their responses to this as well.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (AZ)

Remove late payment from XX/XX/2021 for XXXX  for auto loan ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681
Consumer complaint received 2022-06-23
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.