davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, This is XXXX XXXX. I have been trying to resolve inaccurate credit reporting for over 6 months. I have talked to XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX , XXXX , and Experian to update a late payment alert on my account. I have resolved the issue with my bank and financial company, but the both Experian and XXXX have refused to assist me with this issue. I have filed over 5 disputes over this issue and this still has not been resolved. I plan on purchasing a home in the next year or two and it is crucial that this gets fixed. Please assist with this issue as soon as possible. 

Best, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Golden1 had a planned outage, Friday XXXX to Sunday. On Monday, XXXX I was still unable to access my account. Bills are due. I called from work at XXXX, and requested a call back and held my place in the queue. I never received a call back. When i tried to reset my password, a telephone number not mine was linked to my account. Golden1 XXXX XXXX page shows a number of people with the exact same issues. I dont know if my bills have gotten paid and I dont know whether my funds in my checking are adequate to cover everything. The bank will not call me back and the branch is open minimal hours. My bank has locked me out of my account and will not respond. 

Tuesday XXXX at XXXX all issues persist.
Consumer complaint received 2022-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

My complaint is against both XXXXXXXX XXXX and Freedom Mortgage- for double fees on payoff quotes, and for higher interest charges resulting in my mortgage transfer. 

XXXX XXXX- I listed my home for sale, and it went pending on XX/XX/XXXX XXXX XXXX - Pending XX/XX/XXXX - Roundpoint announces transfer of my mortgage to XXXX while I was pending. They immediately cancel my recurring payments, resulting in higher interest charges to Freedom mortgage. They also do not include new account number at XXXX in announcement, resulting in higher interest rate accruals as I struggled to learn the new account number and pay my mortgage. 

XX/XX/XXXX - XXXX quote requested from XXXX, but was ignored. {$30.00} fee assessed and shows in transaction at Freedom mortgage. 

XX/XX/XXXX - Welcome letter from XXXX, finally with new account number, 6 days after payment due date. Damage was additional daily interest accrual on my payment amount, previously automatically set but cancelled with XXXX. 

XX/XX/XXXX - Payoff quote requested from XXXX, another {$30.00} fee assessed XX/XX/XXXX - close of escrow. Both {$30.00} fees for payoff quotes show up on XXXX ledger and Freedom refuses to refund the duplicate {$30.00} charge.
Consumer complaint received 2021-04-12
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. (SC)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (CA)

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX and XXXX The collection Agency XXXX XXXX XXXX on which is located on XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly. They have also violated the following laws. 

- 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$20000.00} for violations of the FDCPA.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-12-28
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. (GA)

You broke the law Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After taking a look my consumer report I realized that my report was inaccurate and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies procedures and as a result of this I will no longer be extending credit and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to 15 USC 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ). 

Your company assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 USC 1681 ( a ) ( 4 ). 

You did not insure that this information to accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my right to privacy.

Congress makes it clear that a consumer report should NOT include transaction between the consumer and the person making the report. This alledged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not included i nmy consumer report and in fact is a violation of my consumer rights In your initial investigation I was never given the opportunity dispute.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc. (NC)

I had an account with wayfair. I ordered two items. An headboard and modern sofa. I returned the sofa because I did not like it. The other item was an upholstery headboard which was only {$110.00}. I made my payment and verified with the representative after me paying the last XXXX since I owed nothing. She justified that. A year later Wayfair hit my account stating I never paid. I called them and the representative said she didnt know why it was on my credit. I paid them off and it should not even hit my credit. They had no explanation. I asked if they could send the notes from my account where they saw it notated I dont owe anything. I have been reaching out to wayfair more than a year. They have now sold my account the second time to XXXXXXXX XXXX XXXX where they are saying I owe XXXX and calling and harassing me. I do not owe them XXXX. They should not even have my information.
Consumer complaint received 2021-07-02
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: Experian Information Solutions Inc. (IL)

This agency is in violation of 15 USC 1681a ( 4 ). They have infringed on my right to privacy and have not provided me with any information that I authorized the reporting of such private information. On XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/2021, I informed the consumer reporting agencies, XXXX, XXXX, and Experian of the violation and has received no response. It it plainly stated in section 611 ( a ) of the FCRA that failure to investigate disputed items within 30 days gives a reason to immediately remove them from my credit report. The reporting of this information is vital to my credit file. I am demanding this account be removed immediately or I will file for litigation due to the ongoing stress being caused. My information was also impacted by the XXXX  data breach.
Consumer complaint received 2021-04-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (TX)

I filed consumer complaint # XXXX, which outlines the beginning of a series of harassing calls by both XXXX XXXX and National Credit Adjusters, but I will summarize the events here. I received multiple unsolicited communications from a company named XXXX XXXX, which I later learned was hired by National Credit Adjusters. National Credit Adjusters had previously communicated with me over the phone and via voicemails XXXX which I retained XXXX that they had filed a lawsuit against me in XXXX XXXX. Per public records, no suit had been filed since they first started contacting me back in XXXX ofXX/XX/XXXX Clearly, this was an intimidation tactic used to gain compliance. NCA later hired XXXX XXXX to start contacting me, and again, no suit was filed. After several requests for XXXX XXXX contact me by mail, it wasn't until I submitted a complaint to the CFPB XXXX noted above ) that they ceased contacting me. This is when National Credit Adjusters started calling me again. I, again, asked them several times to send all communications via mail, but they have continued to call - a clear violation of consumer protection laws. XXXXPhone call. XXXXPhone call. XXXX call. On each call, asked for mail communication NCA has yet to respond to the consumer complaint # XXXX I file with this office.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Applied Data Finance, LLC (NC)

I got a pay day personal loan with personify financial a little over a year ago. the interest rate on this loan is too high and so i had my bank block them from taking money out of my account because they were asking for too much to repay the loan. they then charged off the debt and it's been charged off for over a year, without them turning it over to a collections agency. they refuse to tell me who the collections agency is and refuses to turn the debt over to a collections agency. this is affecting my credit and ability to refinance my mortgage. i would like for them to update the credit bureau transunion to remove this from my report. thanks. in addition, now they are asking for an offer of over $ XXXX when the initial loan was only $ XXXX. that is insane.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (VA)

Hello, My complaint currently Is against XXXX XXXX American Express card. My application ID was XXXX. At this time, I feel the company is being discriminated since I have a last name of XXXX and they will not issue me a card at this time. 
Thanks so much for hearing me out XXXX XXXX
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (OR)

In XXXX, I opened and funded a consumer account with BAM Trading Services , Inc. on their platform located at www.binance.us. The BAM platform allows users to purchase, sell and store digital assets and XXXX currencies. BAM has three levels of personal verification Basic Verification, Advanced Verification and Cash Account Verification. After I submitted identity, address, government ID, and a Prime Trust questionnaire to BAM, I was approved under all three verification levels which purported to allow crypto withdrawals of up to {>= $1,000,000} and US dollar withdrawals of up to {$5000.00}, daily. For many months, I was able to deposit funds, withdraw funds, and purchase and sell digital assets on the BAM platform. 

In XXXX of XXXX, without any notice or warning, BAM suspended all trading and withdrawal functions on my account. I was unable to withdraw US dollars and digital assets as well as prohibited from selling or purchasing digital assets or fiat currency. I discovered that BAM has no telephone number whereby consumers can talk to a real person. Instead, BAM requires consumers to resolve issues through their email ticketing system, which I attempted to do without success. 

On or about XX/XX/XXXX I submitted an inquiry asking why my account had been suspended XXXX Support Ticket No. XXXX ). I received an automated response stating : We are working through a high volume of customer inquiries. Our dedicated support team is answering all queries in the order received and one of our representatives will respond to you as they are able. 

On XX/XX/XXXX, BAM responded requesting that I provide them with the following : 1 ) Video of you holding your ID along with you stating the following inside the video : " My name is [ First and Last Name ], today is [ Today 's Date ] my e-mail is [ your email used for registration ] and I acknowledge that I registered for a Binance.US account and I will be the only person with access. In addition, I confirm that I have read the Binance.US terms and conditions and I'm aware that the company provides financial services. '' 2 ) Recent bank statements for all linked plaid accounts. 

3 ) Attach the files to this message in your next reply so that our team can verify it.

As of today, my account remains locked with no reasonable path for discovering why it was locked, how to reasonably unlock it, or how to reach a real person at BAM. The only reason BAM provided was a generic statement when I attempt to withdraw my funds stating Withdrawals suspended due to risk management and Order failed : trading disabled. At the time of this letter, the value of the digital assets and US dollars BAM is holding and refusing to return is {$98000.00}.

Please investigate this company. A quick internet search yields numerous complaints from consumers who are in a nearly identical situation, unable to speak with anyone at BAM or access their funds. Please let me know if you need anything else from me.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Due directly to COVID-19, financially my family were directly affected. I was able to close several creditor accounts and work out a payment plan. This was to avoid bankruptcy and hurting my credit. One creditor, XXXX XXXX who recently bought out bank, XXXXt is now my creditor with XXXX card card. XXXX XXXX XXXXt is the new creditor. Ive tried several times to work out a payment plan with XXXX XXXX but each month, XXXX XXXX would not offer me any assistance. Finally, in XX/XX/2021 XXXX XXXX agreed to a customer assistance program which I pay {$150.00} per month starting with XX/XX/2021 then every month thereafter. XXXX  XXXX continues to report negative information as to 30 and 60 days late to my card report. After filing a complaint with XXXX  on XX/XX/2021, XXXX XXXX in a letter, dated XX/XX/XXXX, XXXXagreed to remove the negativity of 30 an 60 day late reporting on my credit report. On XX/XX/2021 XXXX XXXX  again reported 30 day late on my credit report. I again filled another complaint with XXXX on XX/XX/2021 and awaiting a response. I also made complaint to you and with experain. On XX/XX/2021 experain completed their investigation and did not change the false, inaccurate and inaccurate reporting on my credit report. This is completely wrong and reckless investigating by experain. No changes to my credit report and experain has not performed a proper investigation. If so, with supporting documents sent, this inaccurate reporting would have been corrected by experain. I am now relying on you, XXXX XXXX and XXXX  to accurately correct this false, misleading and inaccurate reporting by XXXX XXXXXXXX and experain credit agency has not properly and lawfully investigated this damaging information on my credit report. Please see documents as to being in a customer assistance program, paying XXXX payment of {$150.00} on XX/XX/2021 then next payment taken by XXXX  XXXX directly on XX/XX/2021 then each month thereafter. Letter from XXXX  XXXX agreement to remove the 30 and 60 day negative reporting also attached. Also recently completed experain complaint I filed where they did nothing but agreed to what is obviously false and inaccurate negative reporting by XXXX XXXX but did not do Anything to assist.
Consumer complaint received 2022-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I was approved by the Homeowner 's Assistance Fund ( HAF ) in Florida for forward mortgage payments. I also had difficulties because of XXXX  last year and I had to put the past due at the back of my mortgage. Well HAF sent a check to Pennymac for {$18000.00} on XXXX and another payment for {$2100.00} on XXXX to cover my payment for XX/XX/XXXX. Well they received and documented the back pay of {$18000.00} but they have yet to apply the {$2100.00} payment for XXXX. I need this applied to my account ASAP. The sent me a letter indicating that my assistance was funded and over and it hasn't been because I will still receive 10 monthly mortgage payments of {$2100.00}. 

Also in XXXX, we were severely ill with XXXX. XXXX put me in a forbearance and assured me that they would take the late payment for XX/XX/XXXX and report it as NOT late. I have been on the phone continuously with them to rectify the situation and it still is showing late on my credit reports for XX/XX/XXXX.