davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # 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 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.
Consumer complaint received 2023-04-14
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)

XXXX is reporting my five loans under sequence numbers XXXX as being closed with Experian, XXXX, and XXXX when the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however they continue to report these accounts as closed with no balance to Experian, XXXX, and XXXX. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (NY)

This company has called me 9 times starting XX/XX/2022. I do not recognize this company and have never had any business with them, so I don't believe I owe this debt and I am not going to pay it. Than
Consumer complaint received 2023-04-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (GA)

On XXXX XX/XX/2023 Contacted river valley loan.. 
. 
https : //rivervalleyloans.com/ Mon, XXXX XXXX, XXXX was approved for {$970.00} usd.. 
Rep said would be made in 16 payments of XXXXabsurd but was in a tight situation for RENT and said i could call 3 days before due date to avoid interest.and pay the amount of XXXX usd aprox '' to close the loan*****i agreed **. after i got the approval and money was sent i got a new email approx. XXXX XXXX, 2023, XXXX but this had 32 payments!!! not 16 i called today on a recorded line and explained this was not explained, agent XXXX '' apologized and said the other rep misspoke!??? how do you confuse 16 payments with 16 months 32 payments??? this is criminal i said i can pay the loan back XXXX or so***today and avoid the XXXX interest charge on the XXXX of XXXX he said the money was already in process???? but the poly said i can call 3 days before.. 

this is absurd and Blatant Fraudulent Activity, i regret every calling them. i've had loans payday loans before '' uwallet '' and others and all have been paid 100 % % with no issues this company is a FRAUD ive never regretted anything more.. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I am a XXXX XXXX  who is tax exempt from property tax. Since XXXX of XXXX I have been trying to get an issue involving my property tax resolved with my mortgage lender Mr. Cooper. My payments went from around {$2300.00} to {$3600.00} starting XX/XX/XXXX I have called and emailed multiple employees of Mr. Cooper. I have sent in paperwork showing I am property tax exempt and also spoke with the Supervisor of Assessments on multiple occasions. I was eventually able to get in contact with XXXX from the escalation team who did help some by doing an escrow analysis in XX/XX/XXXX and the payments were lowered to around {$2800.00}. The last time I spoke with XXXX she told me she would look into everything but I never heard back from her. I contacted a VA technician to help with the issue and I have not received any response at this time and it has been over a month now. The extra money paid on this has not been returned and I was told by XXXX this was used to pay previous property tax. I am now financially in a bind due to the extra thousands of dollars I was forced to pay. The contact information for XXXX the escalation team member at Mr. Cooper is XXXX.
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (FL)

In XX/XX/2023 there was a transfer to my savings account in the amount of XXXX dollars, that should have been available to me immediately. The XXXX dollar transfer still remain in a running status today. I spoke with a Navy Federal employee who stated to me there is a security hold on my end and I would need to speak with Security Operations. I was placed on hold for 45 minutes, I disconnected that call and place another call soon after. I spoke with another employee. I asked to speak with a supervisor. I spoke with a supervisor by the name of XXXX who could not resolve this issue and to be honest dont think he actually cared. I explained to XXXX this XXXX dollar transfer isnt available to me and is still in a running status. He stated there has been a lot of fraudulent transactions and there are security in place. I stated to him there was another transfer from the same individual to my account in the amount of XXXX dollars this week that was processed and available. He stated to me the individual need to call in and release the hold. Whats odd is I have received several conflicting statements from this institution regarding this transfer in the mean time, the XXXX dollars that was withdrawn from the other party account is in the hands of Navy Federal but they refuse to release it to me and has not gave me a valid reason. I did ask XXXX why would you release a XXXX dollars but not the XXXX dollars transfer from the exact same individual. He could not answer that question. I sailed him to transfer me over to someone that could answer that question. He stated there was a 2 hour wait in the security operation dept. I asked for his supervisor he stated he could not give me that information. I asked for his id number he stated he could not give that information. I stated I would be filing a complaint and disconnected the call. I have been banking with this institution for 24 years and never had a problem with a transaction or transfer from this individual that has been making transfers for 20 years so there is no reason for this to happy. I would like my funds to be released immediately and I will be closing this account soon after.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is knowingly reporting this inaccurate account after notifying them previously last year of this inaccurate reporting. They are damaging my credit score and causing my hardship due to me being denied for housing because of this error.
Consumer complaint received 2015-09-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I originally got this loan from the XXXX XXXX of Florida, in XXXX, Florida. It was originally serviced by XXXX XXXX. I had no problem with XXXX XXXX up until they joined/split/sold my loan to Navient. Who then said that I had to renegotiate my payment plan, and that I could n't simply continue paying what I was paying XXXX XXXX. At that time I could n't pay what they were asking me to pay, so there was literally nothing I could do to make them happy. I have continued to speak to them since the beginning of this year to try to set up a new payment plan and every time I try they always come up with some astronomical payment that I simply can not pay for. They say that it 's because my dad is my cosigner and that he should be able to pay for it if I ca n't. Most recently they have told me that I am so far past due that they can no longer set up a new payment plan for me because I 'm already getting " the lowest rate possible '' and if they were to change anything else on my loan that it would actually make the payment more, which totally makes sense, right?! I even point blank asked them, what makes them think that if I ca n't pay the lower {$100.00} per month payment, that I could POSSIBLY pay the actual monthly payment they want which is over {$160.00} per month?! It 's just NOT POSSIBLE! However, they continue to say that it is, even though in doing so would leave both my AND my father with just bout {$5.00} per week of spending money. Every time I call them I either get hung up on, transferred so many times that I have to give up, or am basically treated like some second class citizen and they are extremely rude to me just about every single time I speak to them. I literally do n't know what else to do. They have ruined my credit so I ca n't get another loan to pay them off with, I ca n't get another credit card for the same reason, and I just do not know what my other options are! I 've told them several times that I can pay the lower monthly payment, which would be {$100.00} or less per month, which by the way is STILL {$20.00} MORE than I am paying the government for XXXX other federal loans that I am paying on! They still will not accept my {$100.00} per month! They refuse, saying they can not help me! That is obvious that they ca n't help me! They can obviously only help THEMSELVES to MY paycheck!
Consumer complaint received 2023-04-17
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. (FL)

ON XX/XX/2023 A UNAUTHORIZED CREDIT INQUIRY WAS MADE BY XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have recently disputed the inaccuracies of the late payments on my report. The CRAs have stated that they verified this information. However, In accordance with the fair creditor reporting act these creditors XXXX XXXX XXXX XXXX XXXX have violated my rights under 15usc1681 sec602. I also have the right to privacy under 15usc 1681sec 604 ( a ) sec ( 2 ) which states a consumer reporting agency can not furnish an account without my written consent under15usc 1666 ( b ) a creditor can not treat a payment on a credit card account under an open and consumer credit as late for any purpose.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

On XXXX XXXX, 2017, I received notification from XXXX that my credit had been pulled for approval of new accounts. This was one of many as I was a victim of the XXXX data breach and had several accounts through several companies opened in my name. So far, they have all been resolved except XXXX. Here is an outline of events. 

1. XX/XX/XXXX - I received my first notificaiton that something was off. Credit was pulled on XXXX XXXX according to paperwork received from XXXX. 

2. XX/XX/XXXX - I sent my first communication to XXXX. Spring has no fraud department contacts you can reach via telephone. Literally could not get anyone on the phone to speak with about this so I sent an email from my work account. The email was sent to the " XXXXXXXXXXXX '' address. 

The first rep to reach out to me had the name " XXXX XXXX '' from the Credit Business Operations department. She asked to provide my name, phone number, and address. I sent that same day. 

A second rep from the company whose name only came across as " XXXX '' from the Credit Business Operations department directed me toward a link where I had to fill out a packet and mail it to XXXX. The packet had to include a police report and other signed paperwork. 

3. XX/XX/XXXX - I had already had a police report filed through XXXX Police department ( XXXX, OH XXXX ). This report was for an XXXX account that was opened and the situation handled. I appended the XXXX account to this police report so that I would have it for XXXX. I filled out the paperwork and sent it in as well. 

4. XX/XX/XXXX - Not hearing anything from XXXX in almost a month, I reached back out and let them know that I would be looking into getting a lawyer if they would not assist me. They told me they would escalate the case and open the investigation on their side immediately. They never acknowledged receiving the packet and I feel it is lost in transition somewhere. This response came from " XXXX XXXX. '' in the CBO office. 

5.XX/XX/XXXX - Still hearing nothing from XXXX, I emailed yet again ( as I mentioned above, no number to call and they wo n't connect you to anyone from the customer service line ). The rep was " XXXX XXXX. '' again who told me to go into a XXXX store to speak with someone. 

This has been the most frustrating and inconvenient experience ever. It 's bad enough that someone stole my identity, but then XXXX makes it impossible to get it resolved. They now have my account in their collection department " XXXX XXXX ''. I spoke to a gentleman there who notated the account of what was happening. He was actually more helpful than anyone at XXXX. My account is still opened with their credit collection department and I 'm at a loss at this point. This post was created XX/XX/XXXX.
Consumer complaint received 2023-04-17
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. (NY)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

I never got a mortgage with Wells Fargo Home Mortgage and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened date XX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

A promotional offer was offered for {$400.00} bonus if a direct deposit of {$1000.00} or more is made to this account after a certain period from when it was opened. It was based on this offer that I opened the account and setup a direct deposit payment with my employer to this account. The first direct deposit payment of {$1000.00} was made on XX/XX/2023, followed by another direct deposit payment of another {$1000.00} on XX/XX/2023. Both Payments shows the sender as my employer and it was from direct deposit for salaries and bonuses. A third direct deposit of {$1000.00} was also made on XX/XX/2023 ( see attached documents ). However, Truist Bank has refused to honor their promotional offer agreement and have not deposited the {$400.00} bonus. This is unfair and a wrong practice, they should honor the agreement because I met the condition. Direct deposit is direct deposit, they are trying to make it seem that it is not, and when I reached out to them, I was told they will revie it and get back to me, but that was over 3 weeks ago. It is obvious this may be a dubious bank trying to lure people to open account with them with a fake promotional offer they are not capable of keeping to their part of the agreement. I am filing this complaint to report them for their discrepancy, and to demand they fulfill their part of the promotional offer.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CO)

I filed a request to use my payment security as I had lost most of my hours. The benefit was initially requested for starting in XXXX. They made a couple months worth of my payments while they did whatever it is they do to process the claim. Then I was sent a letter requesting paystubs for the months after XXXX which I provided. Next I was told to provide paystubs for XXXX and XXXX to show I still was experiencing a reduction in hours which I provided. They sent another letter stating they needed more paystubs so I sent my XXXX as I am an independent XXXX and the XXXX listed my income for each month for the entire year. Now they are saying they need actual paystubs for the month prior to XXXX and a XXXX isn't good enough. I'm starting to feel like they are just going to keep dragging this out and ask me for more and more things. I want them to process my claim in a timely manner and stop asking me over and over for more information. My benefit request number is XXXX.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX and there is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.