davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

On XX/XX/2016 I submitted an online payment of {$7000.00} to Bank of America. Bank of America took {$70000.00} out of my bank accounts. I have tried since XX/XX/XXXX to get a refund but to no avail. I spoke to XXXX XXXX at claims to try and resolve the issue only to be told they have to wait 10 business days to refund my money. He informed me that on XX/XX/2016 that they would refund the money to XXXX the account. A letter from my bank stating that was an incorrect payment did not expedite the refund.
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, XXXX collections were put on my Equifax credit report. These accounts are not mine. XXXX XXXX XXXX bank Balance {$590.00} opened XX/XX/XXXX, XXXX XXXX XXXX balance {$1000.00} opened XX/XX/XXXX, XXXX balance {$600.00} opened XX/XX/XXXX, XXXX Balance {$310.00}, XXXX accounts for XXXX XXXX opened rhe same day seems highly irregular. Plese delete these from my report.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (NC)

We are having communication problems with BB & T Mortgage, we were hoping you could intervene and get them to help us get our mortgage back on track. We have tried to work with their representatives to obtain a modification on our loan, but they have not responded to our petition. They set us up on a forbearance plan, which we complied to the last payment of the agreement, in the intent for BB & T set us up on a loan modification plan. 
They are either purposely trying to take our home away or have a very dysfunctional process. Either way, we would like for you to look into what they are doing so we can get our loan payments back on track and keep our home. We have had some financial challenges, due to unemployment and delicate surgery. This is what caused for us to fall behind the loss of income, and the recovery time of my surgery. 
The good news is we are all back on our feet.. Our financial problems were due to inconsistent income and some unfortunate events as described above. We were forced to temporary discontinue making our mortgage payments. Without our income we fell into a financial chasm, but we tried to keep up with the mortgage payments for as long as we could. Ultimately we fell behind on our payments, what we want is to resume making our mortgage payments. Every other creditor that we contacted was very understanding and worked with me through our temporary financial and health crises, but BB & T Mortgage is refusing to come to the table with any tangible solution for assistance. During all of this we have tried and complied with BB & T Mortgage to get some help with our mortgage, buy agreeing with the forbearance plan but they wo n't listen and have denied me access to government homeowner assistance programs. No matter how many times we have contacted them, it has been a futile effort. We have not had a single point of contact nor have they offered any sort of assistance or repayment plan to get our payments on track. They insist that we pay our entire past due amount, but this is impossible and we are left with no options because they will not work with me. We have been given the runaround by them and just feel they are acting as judge, jury and executioner regarding our options without fairly reviewing our financial circumstances. If we truly can not afford our home, then we will move, but we believe that our loan fits squarely within government guidelines. We are hoping you could reach out to them on our behalf so we can save our home from an impending foreclosure sale. 
What we want : We simply want a review of our mortgage for all available retention options so that we can keep our home. We do not need a handout or be given something we do n't deserve, but we want the opportunity to be treated fairly. Our financial future looks bright and we will not have any financial issues moving forward if we can get this resolved reasonably. Thank you in advance for any help you could provide. 
SincerelyXXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting 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. 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 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( 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 that the information is inaccurate.
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (GA)

This debt has been on my credit profile for some time. I have filed bankruptcy and this was an added debt, but it has not been removed. I have contacted the company to let them know I did not visit the hospital or receive any type of XXXX XXXX for the dates stated. They have not removed this from my credit profile. It has been reported on both Equifax and XXXX reports. Equifax still has it listed, but XXXX does not.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (KS)

per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given XXXX XXXX XXXX XXXX written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under 313.7 Form of opt out notice to consumers ; opt out methods, 16 CFR 313.7 ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 


XXXX XXXX XXXX XXXX DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is the follow up request Dated XX/XX/2024. I see that until now I dont receive any responses about information on my credit report which is incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX  XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

Dear Sir or Madam : I recently pulled my credit and the following accounts are not mines. Someone is using them without my permission. Please remove the accounts promptly within 7 days and please stop the ability for them to continue to use my credit by putting a freeze on my credit report. Letters have been sent to the reporting agencies and the cfpb. I have attached the Identity Affidavit.
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

a collection account with lowes got sold to XXXX and i end up with the same account XXXX in my credit report, the XXXX account was settle and paid and XXXX told me that lowes should delete this account from the bureaus files.
Consumer complaint received 2024-02-09
Product: Credit reporting 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. The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. 15 U.S.C. 1681s-2 ( 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 that the information is inaccurate.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Opened a XXXX XXXX XXXX Bankamericard World Mastercard account XX/XX/2016 to assist with my new business. I also sent in the form for automatic payments from my bank account to ensure that payments were on time and my credit remained good. I noticed today on my statement which I received XX/XX/XXXX, that there was a late fee. I called to see why a late fee was charged as I had automatic payments set up from my bank account and therefore there should be no late payments. The customer service representative said she could find no record of my automatic payments and I was also going to be charged another late fee for missing the payment date XX/XX/XXXX. She believed me about the payments I believed were being automatically taken from my checking account and offered to remove the late fees ( XXXX ). She discovered that my credit card account had been closed a month after I received it, ( XX/XX/2016 ), for the reason " that I had other sources of credit ''. She said a letter had been sent. I did not receive such a letter and was shocked to hear this. I asked if I could talk to the manager of customer service and was put onto XXXX XXXX. 
XXXX asked me if I had looked on my statement. I told her I am very vigilant about looking at my statement and that the late charge I had just seen on my statement was why I called in the first place. There was nothing on this or my other statements telling me the account was closed. This may be the reason the automatic billing was not put in effect. I believe that consumers should have information as important as cancellation on their statements and that my late charges should be forgiven due to the circumstances of my believing I was on an automatic payments system. Even more important, my credit should not be impaired for events I was unaware of and could not remedy. I also do not understand why a card was given to me in the first place if it was going to be cancelled the next month.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( 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 that the information is inaccurate.
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (NY)

I ask that these unauthorized inquiries Be removed from my credit report by the following bureaus Equifax, XXXX, XXXX filed a report via XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XX/XX/2023 ,XX/XX/2023 ,XX/XX/2023 unauthorized inquiries
Consumer complaint received 2024-02-03
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Yamaha Motor Finance Corporation USA (GA)

Yamaha motor finance and one of their dealer ships ( XXXX XXXX XXXX XXXXXXXX GA ) have managed to get me again and put me and my family in a tough spot for making the mistake of giving them a second chance. Purchased a XXXX : Yamaha grizzly 700 ATV Ended up coming to a deal and figured they would not make the same mistake twice. I own and made on Time payments on ATV until it was picked up by a employee of XXXX XXXX on an agreement to sell the unit back to the dealer. We came to an agreement on numbers and I ended up selling the unit to them. They failed to send the check in time for payoff and they failed to send the check to the correct address for payoff and has negatively affected my credit once again. In XXXX I bought a Yamaha r1 and it took until XXXX of XXXX for it to come off of my credit and Yamaha to admit their fault I trusted that they had learned from the mistake before and I could do business again with them I was wrong. Pay off was sent so late that it dropped my credit score and constantly I am having Yamaha call me to make payments on a unit I no longer have. The level of disrespect and embarrassment they have put me through over these years is unacceptable. My credit is important to me and my family and not once but twice has Yamaha ran me over and not cared about nothing but the dollar that they already have in this situation.. I was declined on two different applications because of this nonsense and would like for it to be handled immediately Yamaha financial services should not be allowed to do business how they want when they want there are rules for a reason I made my payments in good faith and let them pick up the unit in good faith.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (TX)

Flagstar Bank has sent XXXX letters demanding that I provide a proof of policy for hazard insurance. I spoke with them after the first letter, and indicated that the insurance had been renewed and they spoke with the insurance company. I was told all is fine. Now, weeks later I receive a demand for insurance or to pay {$6300.00}. The insurance on the property has never lapsed, never been in danger of lapsing, and they have been provided all normal documentation by my insurance company, and they have spoken with them!
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (TX)

My husband and I needed our roof fixed shingles were falling of the roof. A roof contractor from XXXX showed up to the house and started to talk about there company and the material the use and warranties. We proceed to go and get the roof done with the company since he said it was life threatening since the inside of the attic was slso in bad conditions. He did the paperwork said that the loan was for XXXX and our payment were XXXX month with a 8 % interest. When our billing statements came in from XXXX which we didn't know ot was through them. I have noticed that the payments were for XXXX months and the intrest and fees are close to XXXX dollars in total I will be paying close to XXXX dollars for a roof.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

Equifax did not process items that were discharged in my bankruptcy. I mailed my discharge to them XX/XX/2016. I did another online dispute XX/XX/2016 and was told I had to mail my drivers lisc. SS Card, and utility bill in order for them to process.
Consumer complaint received 2024-02-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (NC)

On XX/XX/ in good faith, using my Credit card ( XXXX ) I applied for a personal line of credit via Upstarts website. The amount requested was XXXX. My request was denied and upstart sent me an adverse action via email. I received no benefit from this unauthorized use of my credit which makes it fraudulent activity! 
Credit is the right granted by the natural person meaning I am the ORIGINAL CREDITOR. Which means I can not be denied my own credit and I am being discriminated against by UPSTART. In response I sent them and adverse action dispute letter only for them to elaborate on reasons why my application was denied due to company policies. Those policies do not over power federal law. I will seek litigation for the following reasons if my transaction is not approved immediately. 
Refer to 15 USC 1602 ( f ) CREDIT, ( g ) CREDITOR, ( i ) CONSUMER, ( l ) CREDIT CARD, ( p ) UNAUTHORIZED USE ( f ) term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ( p ) The term unauthorized use as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (TX)

My right to privacy is being infringed upon by XXXX  XXXX XXXX. This Company is disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX XXXX XXXX after I have instructed them to cease in doing so via an opt-out notice.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX I sent in a complaint to the CFPB about Equifax fraudulent inquiries on my credit report. Equifax responded on XX/XX/XXXX stating they did n't receive any information from me and that I needed to contact the creditors. I responded on XX/XX/XXXX backing up my statement about the letters I 've sent to them. On XX/XX/XXXX all of the inquiries were deleted off of my credit report except one ( which is factual ). On XX/XX/XXXX all of the inquiries were reinserted back on my report with no warning or paperwork from Equifax which is against the FCRA law. I 've attached a copy of the paperwork below. 
Equifax also sent me a letter on XX/XX/XXXX Confirmation # XXXX with the results of an investigation that they conducted from the letter I sent to them about some unverified accounts. Equifax removed the negative accounts off of my credit report up until XX/XX/XXXX. I checked my credit report on XX/XX/XXXX and all of the negative accounts that were deleted has been reinserted which again is against the FCRA law. I 've attached all copies of the fraudulent occurrences below.