davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

This complaint is directly related to XXXX XXXX XXXX CO, XXXX XXXX, who will referred to as The Company. 

Consider this a follow up complaint to my original complaint filed XX/XX/2022 with The Company - XXXX. The required timeframe for a prompt response has expired. 

I spoke with a representative of The Company on a recorded line who confirmed the delinquency was a direct result of The Company 's illegal and harmful communication practices. The representative confirmed that I would be contacted by a supervisor of The Company which did not occur within 30 days. 

The Company failed to notify me of current balance due upon purchasing my loan ; The Company failed to notify me that a scheduled payment had been rejected within a reasonable timeframe ; The Company failed to accept my payment without reasonable explanation within 14 days of rejection ; The Company failed to notify me of payment rejection within 48 hours of failure ; The Company would not allow me to make a payment within 30 days of purchasing my loan ; The Company failed to respond within the required timeframe for a verbal complaint ; The Company failed to deliver notice of delinquency prior to 30 days late ; The Company delivered libel reports to credit agencies despite The Company being responsible for delinquency ; The Company refuses to respond to multiple attempts to correct The Company 's error. 

XXXX XXXX will now be required to relay all future communications regarding my mortgage by written mail as well as responding to this CFPB complaint. 

I have also served a final notice for The Company to correct their reports. Without a prompt response from the Company, this complain will be escalated to civil court.
Consumer complaint received 2022-06-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: EAGLE BANCORP, INC. (VA)

I defaulted on an EagleBank business loan with a principle balance of {$330000.00}. EagleBank holds a first lien in the amount of {$110000.00} on my dwelling. I filed for XXXX XXXX on XX/XX/XXXX and was absolved of {$340000.00} debit to EagleBank on XX/XX/XXXX. EagleBank, my bankruptcy attorney or the Trustee presiding over my case made it explicitly clear the lien was not included in the XXXX  XXXX proceedings. To date, I have not received a statement nor any documents from EagleBank that details the repayment terms of the lien. 

Previous attempts with my attorney to establish a repayment schedule with EagleBank on the lien has been unsuccessful. On XX/XX/XXXX, I was notified by my attorney that on XX/XX/XXXX EagleBank began foreclosure proceedings on my dwelling. 

Throughout this process, I have been told by my attorney the process with repaying XXXX liens due to bankruptcy is complicated and there are no clear laws to mitigate such issues.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (CO)

The mentioned accounts egregiously violate several federal laws, notably within the framework of the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). These violations are detailed as follows : XXXX. **Account # XXXX ( XXXX ) : ** - **15 USC 1681a ( FCRA - Accuracy of Consumer Information ) : ** The reported account falls short of the accuracy standards mandated by FCRA, constituting a breach.

- **16 CFR 313 ( Code of Federal Regulations - Opt-Out Mechanism ) : ** Non-compliance is evident through the glaring absence of a clear and conspicuous opt-out mechanism, as required by 16 CFR 313.

- **15 USC 6802 and 15 USC 6803 ( FCRA - Consent for Information Sharing ) : ** Blatant transgressions occur due to the lack of clear consent for information sharing, a direct infringement on privacy standards.

- **15 USC 1681b ( FCRA - Permissible Purpose Requirements ) : ** The violation of 15 USC 1681b underscores a failure to adhere to permissible purpose requirements. 
- **20 USC 1232G & 34 CFR 99 ( FERPA ) : ** Reporting student loan information without explicit consent violates FERPA, which safeguards the privacy of student education records. 

XXXX. **Account # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : ** - The same violations as described for the XXXX account apply, encompassing breaches of FCRA and XXXX. 

XXXX. **Account # XXXX ( XXXX ) XXXX ** - The inclusion of this account in the credit report, without explicit consent, is a direct contravention of FCRA 's and FERPA 's requirements, echoing the violations detailed above. 

These violations collectively encompass illegal reporting of transactions, sharing consumer non-public information with non-affiliates, and unauthorized disclosure of educational records. Immediate corrective action, including account rectification and compliance with the stipulated laws, is demanded. Failure to address these violations promptly will result in legal action.
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had {$58.00} and change into my bank account yesterday when I got off of work. My last transaction was at XXXX XXXX and I made a purchase for {$22.00} which my account had {$34.00} and some change in my account before I got to XXXX XXXX. I left my account at {$1.00} cents This morning I deposit {$98.00} in my Capital One checking account in capital one stole {$22.00}, when I already paid XXXX XXXX yesterday {$22.00} capital one has been stealing money out of my account and I want it rectified I want my refund back
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I have previously disputed US Bankruptcy XXXX XXXX # XXXX. And in response you verified the information as accurate, stating that you verified the information with XXXX XXXX. I contacted XXXX XXXX, and their response is enclosed. It is clear that you are lying as XXXX XXXX states they notified YOU on XX/XX/2022 to have the data removed. So, you are willfully and purposefully being unlawful. 

Therefore, your original response that you verified the information was a error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information should be deleted immediately. 

SO in response to your negligence, Ive filed another complaint with the CFPB. 
Ive filed a complaint with the XXXX 
Ive filed a complaint with the XXXX  Attorney Generals office. Intake # XXXX Ive attached your response dated XX/XX/2022 and the XXXX XXXX response. So Its obvious that you are being negligent.
Consumer complaint received 2021-12-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CT)

Initially I was contacted by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. When I saw the email that she sent I called her, she explained that her call was because I was late with my payment. I asked her to give me a little more time because I was certain that I had made a payment sometime ago because the loan didn't actually mature until this year. I then emailed her and told her that I needed to know how much I was responsible for and when was the due date of the loan on going, as I never received any information. She gave me website address for University account services LLC a company that deals with their loan collection. We never received the terms of the loan the due date and now they are expecting to not mention that I paid {$250.00} on the account two years ago. I think that their business practices are not very good for communication and sketchy at best.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

there are unauthorized inquiries for XXXX  XXXX on my report. The credit bureaus allowed them to get my information now someone has a credit card in my name and now I am a victim of identity theft because they pulled my reports without my consent.
Consumer complaint received 2022-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

My family had a change in how our XXXX handled homeowners insurance. We secured our own coverage and notified XXXX XXXX XXXX XXXXXXXX of the change well before the change date. Over the last 90 days or so our Escrow has been debited to cover dwelling insurance post dated, our payments have been altered and we have received no assistance in trying to clean up the issue. Our family has submitted, on multiple occasions, all the requested documents that indicate we are, and always have had, the correct property insurance. 
I have tried to contact the servicing company multiple times and today was on hold for XXXX minutes before I hung up due to work starting. 
This servicing company has done XXXX to assist us, has sent us threatening letters and on the same day sent letters saying we are in compliance only to send a third letter saying please submit the same proof of coverage that was submitted only days before.
Consumer complaint received 2022-06-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (NC)

On XX/XX/2022 I called Bridgecrest to request an extension on both of my vehicles due to not having a job.I have been an outstanding paying customer, no late payments and this is my first time requesting something like this. At first I was told I had to pay half on each vehicle and again I explained I don't have a job! So I called back on the XXXX of XXXX and spoke with someone else and that representative put in a request for a one month extension which isn't a month because a payment is due XX/XX/XXXX and XXXX! 

I keep getting harassing phone calls daily from the company to the point I am lashing out because I'm requesting help and they are ignoring the request which has still not been approved. I promised to pay XX/XX/XXXX and XXXX and I truly believe they are waiting for me to pay instead of granting me an extension. Which will cause a missed payment for the month of XXXX to be reported on my credit report. I've never known a decision to take almost a month.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance to fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A section 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 2022-06-20
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AL)

My American Express Blue Cash card was offering a promotion for 8 % back on purchases made by using a special link for to XXXX XXXX website. The offer is good through XX/XX/XXXX On XX/XX/XXXX, I made 5 separate purchases using the link provided by AMEX ( XXXXXXXX ), totaling {$950.00}. A couple weeks later, I checked my account for the accrual of the 8 % in rewards and it had shown that I only earned 1 % instead of the 8 %. I called to advise their CS team that I had not been credited properly. They forwarded the complaint to their tech team which then responded by saying I did not use the correct link and therefore my purchases were not eligible. I didn't think that was true, but let it go at that. 

However, on XX/XX/XXXX, I decided to try it again with another purchase ( 1 transaction totaling {$490.00} ) and this time I was absolutely meticulous about using the correct promotional link and staying on the website all the way though to checkout and purchase. A couple weeks later I checked my account, and again only earned 1 % instead of 8 %. 

Another call into CS led to the same response from their tech team, which was that I ( again ) didn't use the correct link and my purchase was ineligible. I explained that this was unacceptable and I was then given contact info to complain to their executive office.

Today I was contacted by Ms XXXX from their " XXXX '', who told me the exact same thing, that their tech team investigated and said the " wrong link '' was used. She even mentioned she was familiar with this promotion and that her husband had used it. I pressed her by asking if she would check her husband 's account to see if he actually earned the 8 % in promotional rewards and she responded with a condescending chuckle and said she would not do that. I asked her to check anyone else 's account and she refused. She would not entertain the possibility that there might be a technical glitch that was preventing me from earning the promotion and kept repeating that the tech team investigated and found the promotional link was NOT used. She then said there was nothing that could be done and ended the conversation. 

I have been an AMEX cardholder for 21 years and my profession lies within the tech industry so I am closely acquainted with how these systems work and how complex they are. I know also when I'm being given the " run-around '' when someone doesn't want to do any digging or true investigative work. I believe there is a systemic problem with the redemption of this promotion and that it is not applying correctly.
Consumer complaint received 2021-07-10
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: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX To Whom It May Concern : This letter is regarding Helvey and Associates an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX.This is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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  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 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. 




XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX
Consumer complaint received 2022-06-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (FL)

ACCT # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ) Breach of trust {$500000.00} liability surety tax. subsection c laundering of money under USC 1956, civil rights act 1983, and trespassing.

according to ( 26 USC 7201 ) states : Any person who willfully attempts in any manner to evade or defeat any tax imposed by this title or the payment thereof shall, in addition to other penalties provided by law, be guilty of a felony and, upon conviction thereof, shall be fined not more than {$100000.00} ( {$500000.00} in the case of a corporation ), or imprisoned not more than 5 years, or both, together with the costs of prosecution.

Tax owed by taxpayer {$58000.00} USD for constitutional violation acting in their personal capacity for violation against a flesh and blood man/woman, malicious prosecution based upon fraud, deception on bonds, 1099A, 1099B, 1099OID Original issue discount Forms 1040. violation of 1983, 1985,1964 civil rights Acts. stealing Federal funding 40 % of taxpayer money and putting it in a private CAFR Account and Embezzlement.

The tax forms 1099A, 1099B, 1099C, and 1099OID, were filed with the IRS on XX/XX/XXXX. 
Also, I have them mailed out a check for full payment of {$58000.00} to ally that was delivered to the on XXXX XXXX After all, the discharge has been refused I then exercise my private right to rescind the transaction on XX/XX/XXXX, XXXX via overnight mail. USPS XXXX XXXX [ 15 USC 1635 f ] - right to rescind the contract