davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I filed a claim with CHASE on XXXX XXXX the matter is still unresolved. Unauthorized ACH payments from our joint checking account in the amount of {$21000.00} to XXXX between XX/XX/XXXX and XX/XX/XXXX remain in dispute. CHASE notified through CFPB that the matter is closed. This is inaccurate and unacceptable. 

After numerous calls to CHASE FRAUD in addition to in person visits to nearby CHASE branch, all of which has included a lengthy and still ongoing review and investigation period, I am resubmitting complaint with CFPB. Additionally, I have filed a police report to escalate recovery of stolen funds as well as to appropriately report the criminal activity and the negligible response from CHASE and counterparts, XXXX and originating bank XXXX XXXX.
Consumer complaint received 2017-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc. (TX)

My bank XXXX XXXX has fail to give me proper notice that they were offsetting out account .This was for a claim that they said that vendor never gave back to the bank back in XXXX and this claim was closed with approval letting that I was sent. The vendor told me they have given the money back. The bank gave me a letter in the mail the day of taken away fund. No proper notice was given to comply. I did n't receive the letter until the day of fund being recalled. They have now caused us a financial hardship. I have spoke with several reps in the company and they have slander and taken away more money that my bills are needing for living. I have XXXX children and me and my husband we are now facing a financial hardship. They have reluctantly stop me from recovery of fund and have slander many of time. This is not a place that we trust. Were in process of transferring banks.
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: EQUIFAX, INC. (NY)

I applied for one personal loan and received multiple hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (VA)

I purchased my home just over two years ago. I recently requested an appraisal to have my Private Mortgage Insurance ( PMI ) removed. ServiceMac LLC ( the servicer ) who is owned by XXXX XXXX recently sent an unlicensed and uncertified appraiser out who was a XXXX XXXX XXXX named XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, VA XXXX. XXXX XXXX conducted the Broker Price Opinion ( BPO ) but by his own admittance was not familiar with my area and therefore couldn't provide a true estimate. His appraisal was conducted using a sale price divided by above grade living space with no accounting of bedrooms and living space below grade. His " appraisal '' was not an accurate accounting of my home 's value. The servicer even confirmed that a sale price divided by above grade method is not accurate when I used that same method to give them additional comps that increase my home value. As a result, they denied my appeal when I sent the additional comps. An accurate appraisal conducted by a licensed and certified appraiser has not been conducted up to this point. I requested an appraiser be sent out to conduct an accurate appraisal with no response. This e-mail went to board members of XXXX XXXX and customer service specialists of the servicer. At this point, I am contemplating taking the servicer to court for violating 12 United States Code 4902. 

Please contact me so we can get this resolved without the need to take anyone to court. 
Thank you.
Consumer complaint received 2022-09-22
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. (FL)

On XX/XX/2022, I requested to have several accounts investigated due to inaccuracies on my consumer report. As of XX/XX/2022, XXXX, Equifax and XXXX have not completed the investigation or if they have they have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Consumer complaint received 2022-09-22
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. (CA)

I have a collections account reporting on my credit report. I contacted the credit bureau to dispute the account. The account was adjusted on the credit report. I called the collection agency and they said that they removed my collection and there's no longer an account. however it still shows on credit report.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (NY)

XXXX XXXX  Acct # XXXX 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 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. 

XXXX XXXX XXXX # XXXX and Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX # XXXX and Account # 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. 

XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX Account # 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 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (PA)

Around XXXX I was sent a lot of emails for pre-approvals saying that I was pre- approved for credit cards, personal loans and refinancing for my car. Emails from credit karma with these pre approvals would be sent almost everyday. At first I thought it was too good to be true but after months of seeing these emails and these offers when I would check my credit score and Email from credit karma with all these offersI believed them I started telling my children my friends and parents that I would finally be able to get a lower interest rates for my car, finally fix my home, go on vacation and be able to invest in some different investments means my family talked about sooo I went ahead and applied for XXXX credit cards, a refinance for my at the time XXXX XXXX XXXX and a personal loan for {$20000.00} to have my home repaired.I was crushed I was deceived I got sooo XXXX and my XXXX has gone through the roof. Every time I see pr approvals my heart pumps so fast with fear and anger why would such things be marketed to me if it wasn't true I was lied to its like who can you trust I thought they were supposed to help me not hurt me. I barely check my credit now n my journey to repairing my credit has been set back im a single mother with XXXX children that live in poverty im just trying to make it got ta here soo my children will be safe and happy.
Consumer complaint received 2022-06-08
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: CITIBANK, N.A. (OH)

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

15 U.S.C 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 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-12-02
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: LEXISNEXIS (TN)

On XX/XX/2022 XXXX XXXX used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX monetized by securitizing the the application. 

Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. 

Employees of XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. The financial institution and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. 

XXXX, XXXX, XXXX, LexNexis  Risk Solutions Inc and XXXX XXXX/LexisNexis Risk Solutions gets paid to furnish information on the Original Creditor. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.
Consumer complaint received 2022-06-08
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. (TN)

n accordance with the Fair Credit Reporting act Bankruptcy 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 2022-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc ()

I purchased a XXXX treadmill utilizing Affirm 's loan services in XX/XX/XXXX. 

XXXX subsequently issued a recall of all of its Tread+ treadmills so I returned my treadmill in XX/XX/XXXX. 

I received a notice on XX/XX/XXXX, that Affirm received a payment from XXXX for the Tread+ return in an amount of {$4600.00}. At that time, I had made {$2900.00} in installment payments toward my Affirm loan. 

On XX/XX/XXXX, Affirm partially refunded via ACH transfer my loan amount in the amount of {$1700.00} ( which reflected $ XXXX payment * 9 months ). At this time, Affirm indicated that it would have to refund the balance of my loan ( of installments amounts already paid ) by check - that additional amount to be paid by check is {$1100.00}. 

Despite persistent attempts to get Affirm to send a check for {$1100.00}, Affirm still has not refunded my funds even though it has been fully paid since XX/XX/XXXX.
Consumer complaint received 2022-07-29
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (LA)

in summary ( beforehand! ) can the bank, where my XXXX check is automatically deposited, force you to install an " app '' in order to view your transactions online? 

since inception of said account i have used their website to log into my account so i could view all transactions. suddenly they changed their manner of logging in. this is where the problems begin. 

they have a redirect to a certain url for certain numbers. this new url is literally not functioning in any way and the directives are very confusing and unclear. several follow-up attempts to contact them only results in recorded messages and when you've heard all they have to " say '' - the call is dropped. 

i liken this denial of viewing each transaction does not enable me to have any confidence of what my balance is at any given time. 

please advise me of what can be done XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: KEYCORP (NY)

I received a prepaid debit card from the Department Of Labor through Key Bank on XX/XX/2022. 
After accessing my account on XX/XX/2022 my account was closed on XX/XX/2022. After numerous recorded conversations with customer service and supervision. Absolutely no answers were given as to why this happened. I contacted the Attorney General 's office and was told also that this shouldn't have happened.
Consumer complaint received 2022-08-27
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 (GA)

Re : Hyundai Motor Finance Lease Agreement, dated XX/XX/XXXX Account Number : XXXX Leased Vehicle : XXXX HYUNDAI XXXX XXXX XXXX XXXX : XXXX Hyundai reports to ( 3 ) credit reporting agencies that I am past due $ XXXXAttached are receipts that show not only that am I not past due, but paid more than the agreed upon settlement offer of {$4800.00}. 

{$1200.00} paid to XXXX XXXX Acct # XXXX XXXX  # XXXX and {$4900.00} to XXXX XXXX XXXX XXXX XXXX. 

Listed below are complaints to the cfpb from XXXX regarding the adverse actions I have received related to inaccuracies and unwillingness, based on the responses to the cfpb, to correct errors. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX current one XX/XX/XXXX XXXX  Dispute- # XXXX Hyundai states it previously received no letters from me which is a blanket statement that anyone can make on their behalf and to their advantage. Attached are certified return receipt of a XX/XX/XXXX correspondence along with a copy of the letter digitally signed.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: MoneyLion Inc. (CA)

I've been a member of moneylion loan to rebuild credit. I've noticed that I've recieved late payments on my XXXX XXXX. Its wrong and i don't have late paymenta because its on automatic payments.
Consumer complaint received 2022-12-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC (TX)

XX/XX/2022 Applied for a {$28000.00} one-year loan for house repair through GreenSky. Even though outstanding credit report rating XXXX and perfect payback history, GreenSky would only approve {$3500.00} and would not say why given credit history and rating. Asked them if we were being discriminated against given our ages, they would not respond, but just only approve small amount, which was just over 10 % of the amount need. 
XX/XX/2022, Received in XXXX XXXX mail letter from GreenSky that they 'Post Dated ' XX/XX/2022 -- see attached -- where they said 'to call or write to received specific reasons as to why they did not approve credit limit increase. ' Plus, they wrote 'they will provide a statement of reasons within 30 days of receiving this request. ' XX/XX/2022 called Greensky 's XXXX line per their letter and was told they would not comply with the letter as they don't give out that information. I repeatedly read them, 'their letter, ' but they would not comply with the document and give me any information or the statement promised. Said they would escalate to XXXX. 
XX/XX/2022 : someone claiming to be from Greensky called but would not identify themselves and their function. They and started asking for personal information -- such as birthday, which I refused, and they would Not say why they were calling or give their first name. They hung up. 
XX/XX/2022 : I called the GreenSky XXXX number again and talked to XXXX in Customer dept., who refused to honor the letter from Greensky and provide information as to reason for the credit limit and provide a statement. She repeated ignored what was in the company letter. Her refusal to cooperate and fixation with requesting my date of birth, which should not matter, clearly showed this was an age discrimination matter. 
XX/XX/2022 : Received in the XXXX XXXX mail a letter dated XXXX XXXX, 2022, from GreenSky acknowledging the complaint, but saying we were not responding. This is a lie. If it was they, GreenSky, who called on XX/XX/2022 they should have not asked for personal information without confirming it was them returning my call and giving a first name. The XX/XX/2022 letter ignores my contacting them and their failure to provide the information promised in their letter. 
I have the phone records of when I called on my XXXX if needed.
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with XXXX XXXX XXXXXXXX, a collection account from IC System ( original creditor is XXXX and a medical collection from XXXX ( original creditor is Georgia XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Credit Reporting Act..
Consumer complaint received 2022-09-22
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. (DE)

XXXX XXXX hasn't responded to my dispute letter in over 30 days. 

I have sent certified mail and attached the receipt number as well in my dispute letter. 


receipt # : XXXX The account # : I was disputing was : XXXX