davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

On Saturday, XX/XX/XXXX, I attempted to access my XXXX account with USAA as a routine checking of funds. ( My wife had already accessed her XXXX account at the same institution without problems. ) I was prevented from accessing my account online until I answered several questions. They included questions about the amount of my net worth, my annual income and whether I was a foreign agent. 

I called the customer service at USAA immediately to find out why my access was prevented online to my account. A representative informed me that a division of USAA ( called MOET ) required me to answer those questions or they would close my account. I protested that I did not necessarily want USAA to have direct knowledge of my net worth or annual income. Because it was a Saturday, she suggested I call back on Monday to discuss the situation with a MOET employee. My access to my account was withheld. 

On Monday, I called USAA again and spoke with a representative of the MOET division. She stated the Patriot Act required that they ask those questions. She further stated the Federal government required all banking institutions to do this. I protested that no other banking institution I dealt with had asked for this information. I asked to speak with someone else, but she stated no supervisors were available due to the holiday ( XXXX XXXX ). She stated if I did not complete the questions that my account would be closed. I had my wife talk with her as well and she told her the same thing. We told her we were retired XXXX   XXXX  and all the money in the accounts came from our paychecks while XXXX  XXXX. We were not foreign agents of any kind. Eventually, my wife told her we would answer the questions, but the answers may or not be true. ( We did answer truthfully that we are not foreign agents. ) We both believe that USAA violated our rights by conducting what amounted to an unlawful search and seizure of our information. They held my account hostage to this.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had two credit cards with Capital One bank ; both were set up on auto-payment and were in good standing for years and years until recently, when Capital One closed my account around XX/XX/2020. 

My auto-payments were tied to my Capital One checking account. Apparently the Retail Bank side of the business recently changed the ABA routing number for my checking account ( sometime in XXXX ). Once the retail side changed the ABA routing number, Capital One apparently started returning my auto-payments. During this process, no one from the bank reached out to me. It was only when I discovered my account was closed did I determine what had happened. This has caused undue harm because the Capital One credit cards were my main credit card accounts and the auto-payment had worked well for me for many many many years. I would like to bank to acknowledge they changed the ABA routing numbers and re-open my account.
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-01-31
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. (WA)

I am writing to report a violation under the FCRA. Experian is reporting an unverifiable item. I am demanding this item to be removed from my credit report. 

If Experian fails to remove this item from my credit report, I will not hesitate on filing suit. I am giving XXXX  the chance to solve this through the CFPB portal. 

I am aware that reporting an unverifiable item violates the Free Credit Reporting Act and that it can be taken to court. I give Experian 30 days to remove the item and send me a deletion letter for my records. 

Below is the unverifiable item contained on my report : 1 ) Reference Number XXXX, Date Filed XX/XX/2019, status Discharged CH-XXXX. 

Thanks to whomever reads my complaint. 

See documents attached.
Consumer complaint received 2020-01-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The response to my CFPB complaint # XXXX contained inaccurate information. 

It states that the loan officer told me I was not eligible for the program due to my credit score on XX/XX/2019. 

My escrow was cancelled on XX/XX/2019, after the Bank of America loan officer notified both me and my real estate agent that my loan was denied. 

If my escrow was cancelled on XX/XX/2019, how could the loan officer notify me that I was not eligible because of my credit score. 

Also, I requested that notification in writing and never received it. 

I requested a copy of my credit report from the first loan officer I  contacted at Bank of America and never received it. 

Consumers have a right to review the credit reports that mortgage lenders use to make underwriting decisions and I was deprived of that right.
Consumer complaint received 2024-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

On XX/XX/year>, I submitted an Employment Certification Form ( ECF ) to Federal Student Aid ( FSA ) as part of my process for Public Service Loan Forgiveness ( PSLF ). However, despite the submission, my form was not processed. Instead, I received an email lacking any useful information. When I called for clarification, the representative was unable to assist me further. Due to the lack of resolution, I resubmitted the form on XX/XX/year>. Yet, as o

f today, FSA has still not processed my ECF within the standard timeframe of 3-5 weeks. It appears that FSA is not adequately handling manual form submissions like mine, and I am unable to submit the form electronically since my employer does not allow electronic signatures. My ECF is manually signed by both myself and my employer, meeting FSA 's stated requirements, so the delay remains unexplained. *************************************************************************************************** Additionally, I have encountered a discrepancy regarding my qualifying payments. Specifically, my XX/XX/year> payment does not appear as a qualified payment, despite being processed by XXXX. I did not receive any notice of forbearance, nor is forbearance reflected on my account. I am also not enrolled in the SAVE plan, so there is no reason this payment should be disqualified.

*************************************************************************************************** Lastly, I made my final
( 120th ) qualifying payment on XX/XX/year>, and I plan to submit my final ECF this week to complete the PSLF application. However, I have no indication that the Income-Driven Repayment ( IDR ) adjustment has been applied to my accounta necessary step before PSLF can be granted. The lack of communication and processing delays by FSA are causing significant distress and uncertainty.
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

According to the Debt Collection Practices act the alleged debt was disputed and or requested for validation. Multiple validation requests were submitted to Bank of America. 
Notice request for validation 1 : XX/XX/2019 Notice request for validation 2 : XX/XX/2019 Notice request for validation 1 : XX/XX/2019 None of these requests were answered in accord with the Debt Collection Practices Act. 
809. Validation of debts : ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2020-01-17
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. (FL)

Please remove account and inquiries from my credit report which I have never had before and do not belong to me. Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2020-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature from XXXX XXXX XXXX Account Number. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2020-01-18
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: ALLY FINANCIAL INC. (NY)

To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
Consumer complaint received 2020-01-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with Experian, XXXX, and XXXX. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.
Consumer complaint received 2020-01-18
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
Consumer complaint received 2020-01-18
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: AMERICAN EXPRESS COMPANY (NY)

To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing.

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer. 
If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
Consumer complaint received 2020-01-18
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: WELLS FARGO & COMPANY (NY)

To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing.

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed.

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

XX/XX/2019, a " debt '' was put on my credit report with XXXX   for {$720.00}. It was done by XXXX XXXX, a former place that I had moved from. The reported through IQ Data International, that I owe this money because of " damages '' to apartment when moved out. I moved out on XX/XX/2019 with a 60 day notice given to them, scheduled a final walk through with them also. At the final walk through, the only thing found was 2 broken window blinds and a chipped faucet to the bathtub. My XXXX year old daughter was with me at the time as a witness, because I know how these landlords will fraudulently put down things " wrong '' with apartment so that when tenant moves out, the services they hire to " redo '' repairs, can be paid on the tenants dollar. They even said that they had to wax the floor. That floor wasn't even waxed when I moved in. As a matter of fact, the apartment was dirty, down to the electric plugs having dirt grime build up on all of them. I had to ask them to send maintenance back in to go over apartment again and clean it ( which they did a sloppy job still ) I didn't complain about it when I moved in, because at that time, I was living in my car, and didn't want to rock the boat with anything to cause me to not get the apartment. As I was living there, there was also a tenant who was harassing me, to the point she tried to run me over with her car. I kept telling the manager, but they would do nothing. They basically didn't like that I was persistent and " complaining '' to them, so this maybe this was their way of getting back at me. I explained to XXXX  that these are fraudulent charges. The manager at the time of walk through, even wrote things down, only on a back piece of paper, I asked her to let me see, she wouldn't so that way I couldn't sign agreement of listing. I asked her if I could have a copy and she said their office is being remodeled therefore, she couldn't give me a copy. How are they able to get away with this, but when I come up to dispute this, I have to accept whatever they submitted. Nothing agreed and signed by me. Along with their intimidation and retaliation, which is illegal, so is this. XXXX  did not take this off my credit. I am trying to get a place now, and this being on my credit, will also hinder me to do so. I can't be added to the homeless epidemic that governor XXXX  is fighting for. Owners and landlords need to be hit with stiff penalties when they try to do this to tenants that move out. It happens to much, to too many people. Something needs to be done, and you can start here with this complaint. Please initiate XXXX  responsible for not taking this off my credit. Thank you very much.
Consumer complaint received 2019-08-20
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. (SC)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I opened a credit card with my business partner under my name with XXXX. We received a letter from XXXX stating that if we did not use the card it was going to get closed. We wanted it open so I made two small purchases that totalled {$150.00}. The credit limit was $ XXXX on the card. We forgot about the charge and we were reported to credit bureau as going 30 days over. When we realized our oversight we paid the late fees and total which came out to {$220.00}. Account is now closed but in good standing. 

My credit score the month prior to this mistake was XXXX. Due to this minor mistake with {$220.00} my credit score has gone down twice to a current XXXX. I was in the process of buying a condo which I was originally quoted an interest rate of 3.5 with my credit score of XXXX. Since they dropped my score so much for a minor mistake they wanted {$1700.00} to pay for a point and a half which still gave me a rate of 5.5. This raised my mortgage from {$750.00} a month with no points to {$1000.00} a month after I pay {$1700.00} for the point and a half. I had to back out of the deal which was a great deal because I would have been paying more than rent due to the increased interest rate. 

Then I had XXXX XXXX XXXX shut down one of two credit cards I have with them due to the credit score drop as well. They sent me a letter that stated since my credit score had dropped greatly and I had not used my card ( which also had a $ XXXX limit ) they closed it. That is going to possibly cause my score to drop further. 

I have never been late on my personal cards or bills. I have my primary house paid off. Two pieces of land valued at over $ 200k paid off. A cabin that I owe only a quarter of what it is worth. My current credit card debt is $ XXXX and I could pay that off whenever I chose. I have never been late on my credit card payments or my mortgage for the cabin or anything else. 

So, all these years I have done everything right. I own a lot of property and keep my debt to a minimum. I now have which is within 20 points of two friends who are finishing bankruptcy. How is that fair. For a mistake worth {$220.00} which was paid off. Someone needs to regulate the credit bureaus.