davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Aqua Finance, Inc. (IL)

The XXXX  XXXX  XXXX  and their comptroller, Aqua Finance became a procrastinating protracted, civil matter which originated with a still incomplete and poorly applied incomplete workmanship regarding three shower renovation projects during the Spring of XXXXAll attempts to resolve the outstanding issues and including a professional inspection of the alleged completed and incomplete work product to observe the obvious poor workmanship was declined by XXXX  XXXX  ( guest shower didn't produce hot water because of a XXXX XXXX  installed, defective shower cartridge pressure valve, a glass shower door detached itself from its ' framing after having been installed in my basement shower, and the use of Velcro to attach several items within each of the three showers was everywhere ) XXXX XXXX  XXXX  NEVER sought to obtain the required necessary permits via any local government regulatory agency.I waited three years before I sought a professional corrective action response from the XXXX  XXXX XXXX  and their XXXXr, Aqua Finance, to no avail.I have recently had two of my three showers professionally renovated and completed ( XXXX ).
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have attempted to contact Bank of America multiple times in regards to my XXXX card they have my account locked and it has been in the status for many months now they keep referring me out to the bank which I have already been and no change to the account still They have sent me a letter indicating that a prior claim dispute was denied or closed and now has been evaluated and reopened on their end that I need to contact them at the number provided on the letter in order for them to authenticate my identification over the phone however when calling they refuse to honor the letter and say that on there and theres no letter being sent out according to notation however I have a copy of this letter which I will provide
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive been a victim of fraud I have wrongfully Open the account under my name that has went delinquent and now closed and hurting my credit badly with the late payments and unpaid debt I have put security freezes and fraud alerts on all my reports so this doesnt happen again
Consumer complaint received 2021-02-11
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2021-10-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Homeowner Assistance - Unfair Mortgage Practices Im reaching out for some guidance on where I can get assistance with Unfair Mortgage Practices and my search led me to the CFPB I have a second mortgage from XXXX  of XXXX ( 11.5 % ) that was needed at the time but ultimately forgotten about while it was on autopay ( horrible decision ) until I lost my job in XX/XX/XXXX. 
- The loan was for {$60000.00} which we paid $ XXXX/month diligently for 15 years. The balance is still {$51000.00} ... 84 % of the payment went to interest only. We have paid over {$100000.00} on this {$60000.00} loan already. - The maturity date is scheduled for this XXXX at {$51000.00}. 

I wrote Mr. XXXX XXXX, President and Chief Executive Officer of XXXX XXXX  XXXX XXXX XXXX, Select Portfolio Servicing, and the XXXX XXXX XXXX asking or better yet pleading for them to please reconsider my Short Pay Offer that was submitted to Select Portfolio Servicing. 

Asking them to Please consider the consistency in our payment history and commitment for over 14.5 years of managing and paying this completely unfair, deceitful, and borderline unethical/predatory loan arrangement. 

I was given forbearance in XXXX, XXXX, and XXXX then only offered an opportunity for a modification on the matured balance for $ XXXX/month for another 30 years at 6.34 %. That would still leave a maturity balance of {$31000.00} due on XXXX/XXXX/XXXX. I couldnt begin to wrap my arms around the pain of reading that offer. 

Short summary : A {$60000.00} loan at 11.5 % that has been paid for 15 years at {$590.00} a month with {$490.00} ( 84 % ) going towards interest and only {$98.00} going towards the principal. 
Totaling over $ XXXX+ already paid on a {$60000.00} loan.

o With a Total Balance including the Modification is now {$52000.00} After a very difficult two years, I outlined the financial and mental distress that my family and I continue to face during the pandemic. This year has been even more challenging with the inability to gain employment and my wife continuing her XXXX XXXX  with mounting Hospital Bills
Consumer complaint received 2021-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAP ONE XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft CAPITAL ONE AUTO FIN Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX CAPITAL ONE BANK USA N A Account Number : XXXX This is not mine. 

17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2022-01-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUN LOAN COMPANY INC. (NV)

Dear Sun loan In regards to the installment account opened in 2015, it has been brought to my attention that you claim that I owe {$130.00}. While I accept no responsibility for ownership of this debt, Im willing to compromise and offer a full payment settlement amount in exchange for your agreement to the following : Your agreement to the full and complete deletion of any past-due references pertaining to this account from all credit bureaus to which you report. 
Your agreement that this payment constitutes a paid in full account, and not a paid collection or settled account. 
Your agreement that you will not attempt to sell or reassign the rights to this account to another third-party debt collection agency after payment has been received. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

When I receive signed documentation from your authorized representative on company letterhead stating that you agree to the terms above, I agree to pay {$130.00} via certified funds either over the phone via debit/credit or e-check, cashiers check or money order. If money order or cashiers check is chosen as the option, the payment will be sent to you via priority mail as soon as I receive the signed agreement. 

Please be aware, that this is not a renewed promise to pay. I make no claim of responsibility for this debt, and I make no statement that I believe that this debt is valid or owed by me. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

I look forward to a timely resolution of this matter. 

Regards, XXXX XXXX
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2022-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I took out a private student loan from Sallie Mae in XXXX. I fell behind on payments upon graduation and due to the company 's unforgiving practices and high interest rates, my account was reported as a " charged off '' account in XX/XX/XXXX. While I made consistent payments as soon as I found employment, I went back to school for three years and could no longer make payments as I had no income. In the meantime, Sallie Mae turned into Navient. Navient then sent my account to various collection agencies for further collection. I am now in the process of negotiating a settlement so that I can resolve this matter. However, it has come to my attention that the collection agencies and/or Navient are engaging in deceptive practices regarding collection of this debt. 

On XX/XX/XXXX, my co-signer on the original loan received a settlement offer letter from the collection agency XXXX XXXX XXXX XXXX XXXX The letter stated that XXXX XXXX XXXX 's client ( i.e., Navient ) was willing to accept {$1900.00} of the outstanding {$4700.00}, in order to fully settle the debt. The letter also stated that the settlement offer would be open for 30 days from the date of the letter ( it was dated XX/XX/XXXX ). 

Since receipt of this letter, I had been in touch with both XXXX XXXX XXXX XXXX and Navient regarding resolution of this matter and was prepared to make payment towards this settlement amount in the immediate future. 

However, on XX/XX/XXXX, my co-signer received another letter from a completely different collection agency called XXXX XXXX XXXX XXXX XXXX, stating again that the full {$4700.00} balance was due. There are several issues with this latest letter : 1 ) This is the first time we have heard of XXXX XXXX XXXX XXXX XXXX and it appears that they are attempting to collect on the same debt twice. 

2 ) This letter was sent within the 30-day window we had received from XXXX XXXX XXXX XXXX to accept the settlement. We were about to send a check to XXXX XXXX XXXX XXXX to settle this, but now are receiving conflicting information that the full balance is due to an entirely different agency. The settlement offer was legally binding and to be held open for 30 days, so this new letter is not only contradictory but also violates the terms of that settlement offer letter. 

In conclusion, I believe that Navient, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are all engaging in unfair and deceptive debt collection practices. They are misrepresenting the total balance due, attempting to collect on the same debt twice and presenting conflicting information regarding legally binding settlement offersputting my cosigner and I in danger of paying more than what is actually owed on the account.
Consumer complaint received 2022-06-12
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. (TX)

Equifax is reporting inaccurate information on my behalf. I sent 2 inquiry deletion letter to Equifax due to unauthorized inquiries I noticed on my credit report. I do not understand why Equfiax believe or had the right to do this. I do not think Equifax had a permissible purpose to placed unauthorized inquiries on my Credit report. However every time i sent disputing letter or called to one of the rep XXXX to dispute those inquiries. He stated it will deleted. I am demande my credit to be 100 % accurate and complete. I do not want or misleading information on my reports. Equifax is still violating CRA under section 1681i for negligentwanton investigation.

Reckless/willful 1681e ( b ) failure to keep and follow reasonable procedures to assure maximum possible accuracy. 

Equifax has sent me a letter with a different name addressed sent to me with exactly the inquiries I asked to dispute. However those inquiries possible verified. Please explain to me how can you reporting that those unauthorized inquiries are verified if you send me a letter with the same inquiries with a different name. 

I demand the CRA to delete those inquiries IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX They had also responded back XXXX  that the collection from XXXX  XXXX is not listed, but however this is still reporting. 
PLEASE stop report FALSE information. And delete these and adjust my credit score accordingly. If you wish do not so, I will be forced to do legal action against the credit bureaus. 
I will upload the letters.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I paid XXXX XXXX the amount that was owed IN FULL via my XXXX Bank account ( statement is attached ). On XX/XX/2021 they reported it to a collection agency who reached out to me demanding payment. I disputed it with them saying it was paid in FULL. I never heard from them again. Now the XXXX XXXX account is showing on my credit, even though it shows it is paid. This is a violation of the FCRA. It should NOT be on my credit to begin with as it WAS paid BEFORE they sent it to collections.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXX {$2000.00} XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Charge Off XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (GA)

I want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2022-09-18
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. (TX)

Equifax has consistently failed to provide Proof of account but have only replied as creditor verified account as accurate. According to the FCRA there was not a proper investigation conducted. I was never provided with concrete evidence of verbal or contractual agreement, payment information, personal information and possibly violation of HIPPA LAWS. I request proof or future Litigation have conducted against bureau. 
I want account deleted as it's a hinderance
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX XXXX XXXX  I applied for a credit card issued by goldman sachs for the XXXX rewards card. During the application process I was asked to do a XXXX time passcode and submit an ID. I got approved for the card and I started to use it right away and make some purchases however on my first attempt I was declined so I called customer service and spoke to XXXX of their representative but then transferred me over to the fraud department. They tried to pull me up in XXXX XXXX and because they can't find any information about me since I did opt out because of an abuse which I also informed them proactively that I am at risk of physical harm, they locked my account and claimed that they couldn't verify my identity even though I did submit ID and perform XXXX time passcode and only for the reason that they couldn't pull me in XXXX XXXX. This act of Goldman Sachs  is XXXX  because it is well known in financial industry that you can request to opt out with XXXX XXXX for a reason the deem fit like abuse of if you are a well known individual and/or political. Due to me being an ordinary individual, my statement wasn't valued when it comes as to why I am not on XXXX XXXX. And also they didn't value the fact that I am an XXXX XXXX credit card holder which is also issued by Goldman Sachs and uses the same information.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am filing this complaint regarding USAAs practice of resequencing debit transactions in a way that maximizes overdraft fees. While I have not been charged overdraft fees recently, I have experienced this issue in the past and believe it reflects an ongoing pattern of behavior that is harmful to me and other account holders.

Summary of Concern : USAA has a history of processing debit transactions out of chronological order, prioritizing larger transactions or credits first. This practice artificially increases the chance of my account becoming overdrawn, resulting in multiple overdraft fees.

For example, in previous transactions of mine, if smaller transactions were processed before a larger one ( in the order they were initiated ), I would have been charged fewer or no fees and I would stay with a positive balance. However, due to resequencing, I incurred fees that were unnecessary and avoidable. 

Why This Matters : I believe this practice is : XXXX. Unfair and Deceptive : It appears designed to maximize fees at the expense of members like myself. USAA already has settled multiple lawsuits notably in XXXX of this year of XXXX XXXX to resolve allegations that it wrongfully imposed fees on members and veterans. 
2. Inconsistent with Consumer Protection Laws : Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ) prohibits unfair or deceptive acts.

Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) requires transparency in electronic transactions.

Dodd-Frank Act ( 12 U.S.C. 5531 ) prohibits abusive practices in consumer financial services. 


This issue is not only a personal concern but also reflects a broader issue affecting other account holders. I ask the CFPB to investigate USAAs practices and take appropriate action to prevent further harm to consumers like myself.

Conclusion : I believe USAAs debit resequencing practices may have violated consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ), Dodd-Frank Act, and Truth in Savings Act ( TISA ), by imposing unnecessary overdraft fees through unfair or deceptive transaction methods. 

Thank you for your attention to this matter.